That's quite the opposite of what it was six or 12 months ago when we were in a rising interest rate environment, ... At that time everyone was going with the shorter term so they could reinvest at a higher yield going forward.
The beginning of the year is an opportune time to look at all aspects of your finances. Part of that is getting better organized for 2006.
It's ratcheting up a quarter point -- every time the Fed raises rates.