Stop in for a cup of coffee

Ddaddy said
The economy drives the rates, not the president.

Money is cheap for banks to borrow these days, why would they pay very much to borrow yours?

Invest in the right funds and make money where the big boys make theirs.

We don't have a portfolio with stocks and such. The wife has some she needs to switch. The fees are about equal to the dividends. We have a couple small Roth IRA's that have been paying 12% or so. Might need to increase those a bit.