1. Why are annual percentage rates at banks still so low? Pre-9/11, I worked in a bank where the savings rates were at 3% and the checking rate was 1.75%. Post 9/11, it dipped to 1% and 0.250% and stayed there. I thought our economy was getting better?

2. Lots of supermarkets are going to self-checkout registers. ie. Home Depot and Stop n Shop here in Boston (it's like a Ralph's or Albertsons). Now these supermarkets are saving a ton of money on labor costs. But the prices of grocery items are not going down. I don't get that. ie. Home Depot has one person manning 4 self-checkout registers. Before they installed this new checkout system, there were four cashiers manning the registers. Now there is only one. They are saving money with one employee doing the job of four. But the savings is not passed on to the consumer...

Thoughts?