I agree with your advice , but not really the reasoning . Arms don ' t always go up . Typically they ' re pegged to one of the major rate indicators like LIBOR . They can go down or up . What I would say though is that practically speaking , since they can go up , the safest thing to do is always to buy a home using a fixed rate loan that you know you can afford . <| sep |> Is this PC or console ? <| sep |> And somehow a NY billionaire isn ' t the establishment ? <| sep |> To fair , highschool and college students usually don ' t wait <| sep |> these commercials try too fucking hard <| sep |> Having the facilities in the US instead of China will create jobs . Even though robots are highly used today , someone still needs to supervise the production line , maintain the machines etc . For years , China has been used for one thing only , and that ' s cheap labor , but with most of the production being done by robots nowadays , there are no reasons to keep the production China . The average annual wages in China has more than trippled in the last 10 years , and they continue to rise , meaning production in China becomes more and more expensive . Moving the production back home in the dawn of a new age in industrial robotics is the smartest thing to do .