There's no thing more American than a second chance, and you're getting one right now. Interest rates that briefly hit three-decade lows last fall are tumbling anew, giving those who missed out another shot at dream mortgage rates, 0% financing on cars, and single-digit credit cards. Falling rates have a dark side: pitiful interest income on bank deposits and other savings. They could also signal economic malaise. So take advantage of the benefits.
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