I've been away from Phono-L for a while and checked in today to see 79 messages on Phono-L and most were about ebay and Pay pal fees. Since it was a bit off topic and continued, I thought I;d add my 2 cents as an ebay seller and a CPA. I leave my money in Paypal account for simple reason that it is paying a good money market rate. One of the high amounts. That said, I'll share my current investment advice which I give to my clients. If you are comfortable with Internet banking (I am but some aren't) check out _www.emigrantdirect.com_ (http://www.emigrantdirect.com) . It links to your checking account and is FDIC insured and now paying 3% with no minimum. The highest any other MMA is paying is about 2.40%. No, I don't emigrant stock and the few Phono-L people who know me through being an accountant, know that I share info like this to help. Anyway, That's where most of my cash is. Now back to Phonos. Steve
