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"The key consideration for people pondering an ARM is how long they intend to remain in a house. Some popular ARMs carry a fixed rate during their first three, five, seven or ten years, making them a good choice for homeowners who plan to move in a relatively short period. These so-called hybrid ARMs generally aren't a good idea if you plan to stay put. Other ARMs adjust every year or less, making borrowers more vulnerable to short-term swings in interest rates." [Ruth Simon, The Wall Street Journal Sunday]