With Ben Bernanke's term at the Fed to come to a close in Jan. 2014, there is a lot of speculation going on as to when QE3, the Fed's quantitative easing policy, will come to an end and when interest rates will rise again. In this video, Motley Fool financials analysts David Hanson and Matt Koppenheffer debate whether interest rates will come back up earlier than planned (before the end of 2013) or wait until the end of Bernanke's term. They also discuss who will be affected by those changing interest rates and what the effect will be on the recovering economy as a whole.

David Hanson has no position in any stocks mentioned. Matt Koppenheffer owns shares of Bank of America. The Motley Fool owns shares of Annaly Capital Management and Bank of America. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.