What I have been doing is buying 1 month CD's. They are at great rates now and don't have the long time commitments other CDs have(you can get them via a brokerage like Morgan Stanley or Schwab). I have been seeing rates of 4.2-4.3%, the rest of my money is in high interest savings which is yielding in the high 3's. I think we will see a sharp correction and have alot of money on the sidelines once things start to fall apart.