Whatever you think about the Federal Reserve, they've made one thing clear. Interest rates will go down until annual inflation hits 2%. As a result, you aren't locking in real income in the bond market. You're locking in losses. Hilary Kramer, editor of Value Authority, Inner Circle, and other newsletters, saves you from that fate with a few of the yield trades on her screen that can actually protect you from the cruel math lurking in a zero-rate world.