On the housing front, I have always thought that a fixed rate was the only way to go. You knew what your payments were going to be for the next 30 years. A variable interest rate means the banks get to keep just collecting interest from you and your ability to pay the principle down has some tough rules to follow. (At least in America).

It is time for people to start thinking about what they might have to do, where they might have to cut back, and how they can save some money. Putting you money in a bank at negative interest rates is not going to save a person any money, the bank fees and then the inflation will soon have that money in the bank worth nothing.

Maybe converting some of the money every week to coins, get a big jar, put all loose change in there, if nothing else you will have some metal to melt for bullets in the future. Spending coins is not a very easy thing to do and many place in America are not accepting metal currency, (coins), for payment.

Still I think one of the best hedges against inflation is a fixed rate home loan. I think the first house I was purchasing had a monthly payment of $350.00, It was not a super fancy home or anything, that was 30+ years ago,

It is hard for young people to look down the road, they want to maintain that sense of mobility, that feeling of freedom, but real freedom is knowing you are going to have a warm home to go home to.