Originally Posted by hogrider
Sorry Gary, have to disagree. I'm not necessarily talking about waiting for the best rate in a 7 year period, but taking advantage of short period swings. I was watching the rate last year waiting for the optimum rate and transferred a large sum first week of October. The difference over just a 3-6 month period was significant. Inflation will be a factor regardless of when you make the transfer, so doesn't enter into the equation.
What I was trying to say is that you got more for your dollar when the rate was 38 than you do now with it being 51.