In the December 12, 2012, FOMC meeting, Chairman Ben Bernanke announced the start of QE4, a new round of quantitative easing in which the Fed committed to purchasing $85 billion in assets per month in order to keep the federal funds rate near 0% until the unemployment rate fell below 6.5%. The effect of this announcement resulted in the expectation that interest rates will remain extremely low until at least mid-2015. How might this announcement affect the lives of ordinary individuals, and what impact might this have on the economy?