[matt5250]

actually what berry is talking about is more like investing in treasuries or short term GIC's and I have had the same idea before. a bank account in AL pays 10% per annum, so realistically locking your money in for a given period of time should net you more than that with no risk. using bank of america as an example, currently a regular savings account pays 0.2% interest, compounded daily and paid monthly whereas a 9 month certificate of deposit pays 4.41%. now, 9 months is a little long to offer in AL, but the 30, 60 and 90 day options sounded good. basically berry is suggesting a fixed income market be available which I think is a good idea.