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But in the wake of the global financial crisis, the risks of monetary and fiscal policy have been highlighted and central Banks have been given additional responsibilities. Deciding whether or not to rescue a particular financial institution, whether it guarantees system stability or other reasons, has obvious consequences for individual investors. Yu 'ebao, the world's largest money fund, took only four years to achieve the equivalent of 10 years of development, with a maximum annual yield approaching 7%. But in its rapid development, there have also been a big wave of backwater, the most severe, from March 2015 to September 2016, the yield was down from 4.4 percent to about 2.4 percent. Emotional checking account is divided into two: The emotional deposits along with the withdrawals. Emotional deposits means learning the person, being kind and forgiving, and being true to your word. Emotional withdrawal alternatively could be the complete opposite of everything I pointed out; being disrespectful, rude and hold grudges, with no commitment in any respect. Edwards and bell's point of view