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When you read the following, I'm sure you can relate to one or all points ...

If you have a mortgage, carry credit cards and are considering a home equity loan to cope with soaring food and energy prices, you should be paying attention to what the Fed has to say.

Too often with economic news, the pundits and writers want to make themselves sound smart by dissecting what a particular announcement or news means. When that happens regular folks need a translator to figure out what is being said.

At the end of the day, most work, most have debt, most have a hectic schedule, most are bombarded with information - constantly.

So late last night it was refreshing to come across an article that was entitled "What the Fed decision means for you." Because it doesn't necessarily matter what US Federal Reserve Chairman Ben Bernanke says, but it's how what he said applies to you.