>> well, you know, the fed says into late 2014, early 2015, but also peggedful to the unemployment rates. should the unemployment rate improve quickly we might see rates move higher. i hate to mix these two up, because the problem is, yes, we all want to seize these great rates, but if you're not ready, you could dig an even deeper hole by not preparing your personal balance sheet, jumping into a house you can't afford and the potential problems there are much worse than, yeah, having to settle for the 5.4% mortgage. >> let me ask amy about the whole rent versus buy thought. in places like here in new york city. listen. >> how in the world do you save for a house? >> how in the world do you save for a house? i'm going to ask amy and jack this. how much do you need to have a down payment for a house at this point? >> well, the good rule of thumb today is 20%, and you also have to have really good credit to be able to get some of these really low mortgage rates. so put the money aside over time, but, you know, as paul mentioned before, when you buy a house is your own personal financial si