We have a problem here in the US and around the world. Despite the lies from the government the recession that was caused by Bill Clinton signing a Bill to get rid of Glass-Steagall has not gone away under the horrific policies of Barack Obama. Not only has the unemployment rate increased but many investors are simply on the sidelines. The economic collapse is still happening and so the Government is going to FORCE you to get into the game by FORCING the banks to charge you a (-) NEGATIVE interest rate. That way you will have to invest or loose your money to both the lessening buying power of the Dollar and being charged to have cash. There is a solution! I encourage you to get educated on two solutions I have personally gotten involved in. CryptoCurrency and Gold. Both held in accounts that will not be subject to negative interest rates.