I had the pleasure of seeing Dr. Ben Bernanke in person this week and he was a fascinating, interesting and brilliant man to listen to. Although he won't make forecasts or suggestions that might interfere with his successor, he did talk about how our financial house is in much better shape than it was pre-2008. He also talked about the basic numbers, particularly how inflation is a tad lower than it should be and how we are near a major financial stimulus that will likely be triggered by major drops in energy prices long term. Given his conversation on inflation, I find it highly unlikely that the fed will significantly raise interest rates any time soon. Some movement here or there is inevitable; however keeping inflation from going too low and into deflation is important to them so low rates are likely going to continue for the foreseeable future. As Dr. Bernanke said in regards to Senator Ron Paul...."how's that gold investment working out for you?". Disclosure...I am in the financial services industry and watch these things very closely as a part of my employment.