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My what a difference 6 months of the fed trying to fix things can drop these rates right down the drain. So any ideas on how to make some FDIC insured money elsewhere other than CD's
Have you checked out municipal & agency bonds? Many are insured or backed by the government, and are at least partially non-taxable. People hear the term "Maturity Date", and think they can't sell bonds ahead of time .. not true. In fact, you don't have the penalties they impose on CDs being sold early .. but the market value may be lower than when you bought the bonds.