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 - Harvestin Hay: The Early Years (Part 2) - by Pat Browning. The summer of 1950 was the start of a new era in farming for our family. I was thirteen, and Kathy (my oldest sister) was seven. At this age, I believed tractor farming was the only way, hot stuff -- and given a chance I probably would have used the tractor, Dad's first, a 1936 Model "A" John Deere, to go bring in the cows! And I think Dad was ready for some automation too. And so it was that we acquired a good, used J. I. Case, wire tie hay baler. In addition to a person to drive th
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