In a recent effort to encourage spending by consumers, the Federal Reserve promised to hold short-term interest rates near zero at least through mid-2013. A plan to lower long-term rates followed suit in September. Unfortunately these lower rates make it harder for savers to hold onto their cash and still beat inflation. Even the typical money market account, having seen an 80 percent decline since 2006 is no longer a safe bet with inflation rates exceeding interest rates; the overall effect being diminished purchasing power....