I remember Reid Hoffman talking about some of the mistakes he&#x27;s made as an entrepreneur (<a href="http:&#x2F;&#x2F;ecorner.stanford.edu&#x2F;podcasts" rel="nofollow">http:&#x2F;&#x2F;ecorner.stanford.edu&#x2F;podcasts</a>)<p>He said one of the big ones he made was in times of frothy capital markets when all your competitors are well capitalized, its was a mistake to be frugal and not take as much investors money as they could.<p>We are currently in a time of very frothy capital markets.  Money is just being given away.  This is going to lead to, if it hasn&#x27;t already, a big jump in the gap between the rich and the poor.<p>These lower interest rates are allowing hedge funds to make money via currency carry trades (<a href="http:&#x2F;&#x2F;www.investopedia.com&#x2F;terms&#x2F;c&#x2F;currencycarrytrade.asp" rel="nofollow">http:&#x2F;&#x2F;www.investopedia.com&#x2F;terms&#x2F;c&#x2F;currencycarrytrade.asp</a>) while the average person is unlikely to be able to take advantage of this situation, if anything it make sit harder for the average person to save for retirement due to the paltry interest rates that are being paid on the products available to them.<p>I don&#x27;t know what the solution to this is.<p>I guess if there is any good news in this, its that every single government who matters has already forced their bansk to go through some pretty strenuous stress tests wrt negative interest rates and there hasn&#x27;t really been alot of bad news to come out of Europe, Canada or the US.....yet