I just set up a TreasuryDirect account and would like to purchase the max amount of I bonds. It looks like the next rate adjustment is Oct 31 and since there have been much discussion about higher interest rates, is it reasonable to wait until Nov 1 to pull the trigger rather than now? It's possible that it may be flat but I'm wondering if it would be worthwhile holding off to see if the rate will be higher. What do you think?