http://www.youtube.com/watch?v=hed1nP9X7pI&#t=36m50s Its always been my policy, that when someone offers me a guaranteed return on an investment, I will walk the other way. When someone does that when the Federal Reserve is buying $65 Billion a month of bonds, helping to fund the operations of the government, and when our largest single Foreign creditor (China) has said that it is no longer in their interest to accumulate more foreign reserves, I will increase my speed and run the other way. Ordinarily I would applaud ways that make it more convenient for someone to save money for retirement. Its the timing and language that make me suspicious in this case. I hope the lower income folks that Mr. Obama says he intends to help with this MyRA program are informed about the risks that they are actually taking here, although I doubt they are, and I doubt he will tell them.