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FYI: The Federal Reserve is going to raise interest rates this year, something that will have about the same effect on your savings as a gnat landing on your luggage scale at LaGuardia. But it will signal an end of an era, and you're going to need to adjust your finances accordingly Regards, Ted http://www.usatoday.com/story/money/2015/03/06/investing-a-sea-change/24454215/