"The financial world today in 2016 is unlike any other period of time in global history. We’ve seen wide-ranging price fluctuations since 2007 in all sorts of investment options such as real estate, stocks, bonds, oil, gold, silver, and other assets.
Interest rates have fallen near all-time lows in U.S. history while
bond debt has reached record highs. Many “positive” (0.1% to 0.5%) bank
savings rates have actually reached the equivalent of negative net returns
once factoring in taxes, bank fees, and the hidden impacts of inflation
on our money. Yet, more banks and the Federal Reserve are openly
discussing the very real possibility of offering negative interest rates
to the general public just as seen in many parts of Europe and Japan."