It means go and get your fixed-rate right now. It's time to consolidate, if you plan on being in the property long enough.

First-time home buyers are the ones who are most interested in the 100 percent financing because they want to use any money that they've saved up for trying to furnish their new home.

There's not just an objective, dollars-and-cents number. There's also the psychological factor: What are you going to feel comfortable with?

We are right on time.

That's important. You can tell right away if someone is supposed to be here.

Because I have to be here for the moment, ... When you're riding a horse, you're right there at that moment. You can't be thinking about work. You can't be thinking about what you need to do next week.