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There is still uncertainty about the future of Europe and about US policy.This combined with some encouraging
      news in the US
 economy may have caused the Treasury yields to
 bounce around in the past three
      weeks. The 10-year yield dipped to a low below 1.9% and rose above 2.1% during the period. However, through the
      close of business on December 9, yields have averaged a lower level in
      the past three weeks than they did during the previous four
      weeks. This may lead to possible lower transfer rates across the
      board for January 2012, as follows:
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January 2012
      Projections* | 
December 2011
      Actual | 
Additive
      Change | 
% Change | 
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Short-Term AFR | 
0.19%  | 
0.20%  | 
(0.01)%  | 
(4.0)%  | 
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Mid-Term AFR | 
1.19%  | 
1.27%  | 
(0.08)%  | 
(6.6)% | 
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Long-Term AFR | 
2.66%  | 
2.80%  | 
(0.14)%
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(5.1)%  | 
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7520 Rate | 
1.40% | 
1.60% | 
(0.20)% | 
(12.5)%  | 
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      | There is margin for error exists in these projections, since there are three
      days’ worth of data to be gathered before the official rates are
      calculated. As the
      year comes to a close, everyone should
 be encouraged to
      revisit their personal situation so they can make any needed adjustments and keep      within their means. With interest rates as low as they are, and with growing
      uncertainty about the future of tax policy, the very near future may be
      the best opportunity we’ll see in a long time to make
 adjustments to estate plans...unless rates get lower still.
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