I’m concerned about the economy. The picture that seems to coming out isn’t a positive one. Here’s my attempt at capturing the situation as best as I can. Essentially, certain governmental policies and actions taken by the Federal Reserve in the past created a situation in which financial institutions had more incentive to make high

Just a couple of weeks ago, the Federal Reserve called a special meeting in order to cut the interest rate by three-quarters of a percent. (I won’t explain here, but the Fed’s interest rate is the primary controllable variable which has a significant impact on the economy.) While that may well not mean much to