no

so you get 2%

inflation is 3%

consider stocks and bonds

Easy. HSBC offers 5.05 % online. Fidelity money market is about 5.3 % or so. That is about all you can get.

ING DIRECT, the best and most convient

Absolutely best rate is at FNBOdirect.com (First National Bank of Omaha). 6% through September. After that, no guarantees, but you can always bail out to somewhere else. Countrywide Bank, AmTrust and E*Loan Bank are also among the highest yields (around 5.35% today). Up to $100,000 everything is FDIC insured.

Looks like UmbrellaBank.com is offering 5.83 on a Green Day savings account.

Emigrant direct is really good.

People-to-People Lending. It’s an old idea that’s new again.

People who need money request it, and other people bid for the privilege of lending it to them. Prosper makes sure everything is safe, fair and easy.

Until now, financial institutions have controlled who is able to obtain credit and the rates people pay, over time, this one-sided control has bred inefficiencies and excessive margins – leading to higher rates for borrowers, and restricting people who have money to lend from entering and generating income from this vital and lucrative market.

Prosper gives people the opportunity to take back the marketplace for consumer credit, Prosper aims to make consumer lending more financially and socially rewarding for everyone by letting the borrowers set the maximum rate they are willing to pay a lender, which prevents the loan from being funded at a rate higher than the borrower wants to pay.