First, "they" said rates could never fall to almost zero. Then,"they" said rates wouldn't go this high. Therefore, it's apparent that "they" don't have a clue. So, what should you do? Should you buy long-term bonds? Should you buy a house? Then listeners ask: When does it makes sense to buy long-term care insurance versus self insuring? From a tax-planning what should be done with a hodgepodge portfolio heading into retirement? Finally, Don discovers that he's been earning one cent a month on small Bank of America savings account while paying $8 a month in fees. Learn more about your ad choices. Visit megaphone.fm/adchoices