I think the fed will raise in Sept.

I have called bullshit on the fed raising rates for years. It wasn't until this spring that I started to change my mind. And now despite the news of the world - I still think the Fed will raise rates. There is no mathematical justification. It's a political one. I just refuse to believe they will raise rates in the middle of an election year. Period. 

People's memories are short, but not that short. They either raise this year, or wait until after the election. And honestly, if they could keep the banks from wanting to make any money - .25% can be done without a problem. 75% of rates are now back down into the 3.87-ish range.