Damien Fahy of moneytothemasses.com to Andy Leeks about money. This week Damien talks about the very real possibility of a negative interest rate and exactly how it may affect you.

Damien also advises whether you should "short" the market and exactly what it means

Money Farm (Click To Try for Free) (Don't forget to use the exclusive code MTTM20K to get an extra 10k fee free)

The Best Pension Calculator On The Web - Try it now

80-20 Investor - Click here to find out more about Damien's 80 20 Investor service.