There's an expression, which states, many things in life, come, in - cycles! Whether, in our personal, every - day, lives, or in government policies, etc, this is true! It occurs, in terms of financial/ economic issues/ scenarios, etc, housing costs/ styles, etc, business - related matters, politics and political trends, and personal attitudes/ perceptions. If/ when, we realize, and understand this concept, and learn relevant lessons, from each, and every experience/ circumstance, we become more capable, at proceeding, smartly, into the future. With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, and how this explains many occurrences, and experiences.

1. Interest rates: Those, who study, interest rates, realize, they have fluctuated, significantly, throughout the years. Many of us, remember, when most mortgage rates were about 8.5%, and there were savings accounts, which paid, 4 to 5%, but, have also, seen double - digit, mortgage rates, as well as the historically low ones, we are currently, experiencing. Obviously. when mortgage rates, are low, it benefits the housing market, because, one gets, far - more house, for his dollars, when rates are lower. However, we also witness, when rates are low, stocks become more attractive to purchase, because, there is no great place, to invest one's funds! In addition, what happens, when banks offer, such low rates?

2. Housing: Housing has cycles, in terms of, the preferred styles, sizes, types, locations, features, etc. The overall economy, mortgages, the job market, job security, etc. are, also, significant, cyclical factors, which affect, this important component of our society, and economy.

3. Business sectors: While, some businesses, seem to survive, and evolve, as necessary, we also witness, some of the prominent corporations, and businesses, of some generations, lose - their - luster, and, even go, out - of - business, etc. In the 20th Century, few would have considered, how the Internet, and E - Commerce would change, how business is conducted, etc. What will be the trends, and cycles, in the future, which endure, and/ or, become dominant?

4. Politics/ political trends: Our nation, and the world, have witnessed, many political trends, and tendencies, throughout history. Certain periods, have seen, more attention paid to human rights/ freedoms, etc, and, others, have tended to be far more regressive! How will the past 4 years of the administration of Donald Trump, bring - forth, certain changes, in the next few years, and will they be positive or negative?

5. Personal attitudes/ perceptions: How have your personal attitudes, and perceptions, changed, from time - to - time? Which cycle, seems to be, most enriching, to you?

Knowing, and understanding, how our life and the world, proceeds, in - cycles, should make us