1) Typically one is a MMA and the other is a money market fund. There are different forms of fund such as municipal ones that may have a tax advantage by having tax-exempt interest for example.2) I'd suggest Vanguard, TIAA-CREF, or Strong as one idea for looking at MMF(Also some magazines like Kiplinger's have lists of highest yielding MMFs if you want to hunt for the top at a specific point in time). Another couple of idears are GE Interest Plus(http://www.gefn.com/interestplus/index.html) and I-bonds(http://www.savingsbonds.gov/sav/sbiinvst.htm).JB
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