A recent article by Charles Schwab merits our attention: http://online.wsj.com/article/SB10001424052702303429804575149633264117248.html In February 2006, when Ben Bernanke was first sworn in as chairman of the Federal Reserve, the federal-funds target rate stood at 4.5%. That same year, the average yield on a one-year certificate of deposit was 5.4%. A retiree who diligently saved for a lifetime [...]