With apologies for being off-topic, I wanted to respond to @VDCdriver 's response to my post. "You should have done more research! - During that era, I put most of my assets into the Dreyfus Worldwide Dollar Fund, . . . " C’mon, I said I was just a kid at the time. I didn’t know about mutual funds then, this was long before the internet, I had access to the “bank” and the “savings and loan” located in the shopping center where my parents bought their groceries. Usually the savings and loan paid a little higher interest than the bank, so that’s where I put my money.
As regards the .15% interest, I never said I took them up on the offer, I asked them why they waste time, labor, and paper offering such a rate. Admittedly, I am getting about .75 - .9% interest on my short term reserves, but when I do the math, it comes out to about $9 - $15 a month, AT MOST, I am foregoing in interest. I can’t justify going from bank to credit union to bank to money market fund trying to squeeze out an extra 3/10ths to 4/10ths of a %, considering every time one opens up another account at another institution, there goes your SSN#; DL#; birthdate; mother’s maiden name; etc into another easily hacked database. I guess it just seems like more trouble than its worth. Now, if there’s a bank out there offering 4% interest on a 12 month CD, THAT would peak my interest. 
Gosh, I feel like I did on the first day of first grade; the first thing I learned was that everybody else got a bigger allowance than I did. 
I guess I should edit to clarify; I have played that game in years past. The bank or credit union offering the best rate “this year” often drops that rate way down “next year” and you have to hop over to another institution, eventually I’d end up with accounts spread all over the place and have to consolidate. If it were hundreds or thousands of dollars of difference, it would be worth it, but for “tens of dollars”, really? More efficient to just work a few hours overtime to make “tens of dollars”.
Shoot, sorry I’m off-topic, I meant to tie it in to the topic but somehow I’'m digging a hole for myself. I was going to make a joke about if Ted Cruz becomes president, does that mean all the speedometers, road signs, gas prices will be in the metric system (like they do in Canada) but I suppose that would be offensive to Ted Cruz supporters? With the Republicans moving farther to the right and the Democrats moving farther to the left, I would guess that we’ll probably have another 4 years of gridlock regardless of who becomes president, because the opposing party in Congress will close ranks against him/her.
By the way, please don’t punish these other guys because I came in here and posted off-topic and painted myself into a corner. I apologize, I’m going to bow out of this one. . .