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Another question, I have a sum of money(about 23000) sitting in a bank
 and earning nothing. How should I invest? I would like it to be
 relatively accessible, but also not sitting earning close to nothing


 From the $23,000.00, keep about 3 to 6 months of living expenses in
 your bank and use the remainder in a broad market index fund.  If you
 want to diversify w/in a index fund framework, put 60% in a large cap
 index that tracks the entire market (e.g., SPY), 20% in a index fund that tracks mid-Cap stocks
 (e.g., IJJ), and 20% in a index fund that tracks small-Cap stocks.
  Check out iShares for a broad range of index funds.  Vanguard also has great index funds.

For more information, check out Paul Farrell's article on indexing (from CBS MarketWatch):

and remember, the more you trade, the less you earn:{C053BE74-5E65-46B7-AF41-867E84512EA5}&currticker=iwn&symbols=iwn&nx=&bx=
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