Bonds, get the top rated general obligation backed so the entire city has to go broke to get out of them. Beware lower rated, or non-backed, or those subject to ATM tax these days.
You can get about 3% with careful shopping, and they are tax free so that can get you close to 5% effective return.
You can resell them if you need the cash - not for short term, but if you gotta have the money, or need it in 5 years, you can get to it, they will go up or down in hard value as interest rates go up and down, but are about as safe for as high a return you can get these days. Harder to find, as others are turning to them too.
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Today's Featured Article - Fire in the Field A hay fire is no laughing matter-well, maybe one was! And a good life-lesson, too. Following World War II many farm boys returned home both older and wiser. One such man was my employer the summer I was sixteen. He was a farmer by birth and a farmer by choice, and like many returning soldiers, he was our silent hero: without medals or decorations, but with a certain ability to survive. It was on his farm that I learned to use the combination hand clutch and brake on a John D
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