So DW and I were going over the finances ( a favorite pastime - no really, we're sick like that ), and we realised we are starting to build up quite a bit of cash reserve in our savings account. We discussed it and decided we'd be willing to move $15 grand of it out and into "something", but we aren't sure what. Now we have an Emigrant Direct account, we could just throw it in there and get 4.5%, but we'd like to see if we can get more juice than that. I'm open to anything somewhat safe, and at least somewhat liquid (can get to it in a year or less). 10 year notes are 5%, so maybe this is wishful thinking. Where do y'all stick your near-line cash (as in on-line, near-line, off line data storage, computer metaphor)?