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Fed Chair Janet Yellen announced Dec. 16 that the central bank would raise interest rates for the first time in almost a decade. Any further monetary tightening will be gradual and contingent on continued economic health, she explained, projecting that rates would rise 3 percentage points in three years. What should the average consumer make of all this economic commentary? Here’s who wins and loses.

Investing in Bitcoin in 2014 was like using your money as cat litter: $940 for a Bitcoin in January dove to $ 330 in December. But while the mania for Bitcoin as an investment might be over, most every venture capitalist says that startups in payments and financial technology are their hottest investments right now — and the potential of the technology behind Bitcoin is a big reason.