I was going to write a long investment tip about the Federal Reserve and why people get all excited about what they are up to. But this is the internet age, and there is no point in my reinventing the wheel. Go to: http://en.wikipedia.org/wiki/Federal_Reserve and you can read all about the Federal Reserve and what their role is. It’s a long article, but the section about the discount rate and feds fund rate should give you an idea about what all the hoopla is about.