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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.

How to reinvigorate emerging economies with recession in brazil and Russia as well as slowed growth in China, some economists have wondered whether the financial crisis that started in the U. S. in 2008 and resurfaced in Europe in 2011 is about to hit emerging-market economies in 2017. The question matters because emerging market economies have been a vital engine of growth around the world over the past 15 years.