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Ooop... i forgot to mention (if you can believe that after my long post) that I am going to put my short term savings into a Money Market Account which is currently paying 3.1% (the best I could find).

I'm also considering putting some funds into a 5 year cd with ING direct (5%). I don't see much talk about CDs are they a worthwhile investment or should I put that money somewhere else?

thanks again,

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