Unfortunately, this is no joke either

None of this seems to make sense - you might think that they really know what they're doing in Washington and on Wall Street, but you'd probably be wrong.

Short-term rates have dropped like a rock, but mortgage rates aren't coming down much - the rates that have come down are the ones that punish savers - rates on Certificates of Deposit are plunging.

The earnings on that six-month Sep 27th CD just got a forty percent haircut when it was rolled over a couple days ago - from 5 percent down to 3 percent - and it's not looking too good for July 22nd.

Is it any wonder people are buying gold?