I&#x27;ve never seen anything like this either.  The amount of essentially free money the wealthy have access to is staggering.  Yes, you need good credit, some assets--and poof--you have money to invest, without the competition you had pre 2008.   I look at these low interest rates for only the best clientele, and I wonder, &quot;How can they lose?&quot;<p>In my neighborhood, I see qualified individuals(rich people), and REIT&#x27;s buying up residential homes at a rate I have never seen before, and why shouldn&#x27;t they at these rates.<p>While the middle class, and the poor are slowly losing any savings they managed to put away.  Rebublicans blame Dodd-Frank--I don&#x27;t know, but something is not right.<p>There&#x27;s a part of me that wonders if we, the poor&#x2F;middle class were better off when financial institutions didn&#x27;t know our blood type when applying for a loan, or credit?  It just seemed like more people were allowed to invest in the past?<p>What do I know?  Nothing!  Guess I&#x27;m feeling the holiday slump?  I hope it doesn&#x27;t last too long?