Hi all - i know this question has been asked, but havent seen a thread since the June 2023 decision came out where 1-year renewal at 3.0% and 2-years at a combo first year at 2.75% and second year at 3.20% - i know no one can see into the future, and i know there's always a debate on 1 vs 2 years, but given this new model, does it make most sense to do two years? Some points:
- Im definitely staying 2 years
- I always signed a one year, bc it seemed to make mathematical sense
- however, 2.75% for the coming year and a guaranteed 3.20% the second year might make more sense in this Adams admin. I do think the jump will be high in 2024 and lower in 2025 when its election year, but who knows.
Has anyone given this new model much thought? I research a lot on the internet and its so 50/50 on 1 vs 2 years - but never saw this model of two different rates and havent seen a thread on this since the decision was finalized in June.