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Official reports on consumer prices show that inflation is on the low side, but the true cost of living feels a little different. The cost of things that people are actually buying have risen sharply during the pandemic -- things like food, cleaning products, used cars, medical care, and real estate. Although the Fed feels that we’re likely to see an extended period of low inflation, some economists say “inflation is already here.” At least one financing expert is also predicting that this low mortgage rate bonanza is about to end.