Have you done an inventory recently on how much money you have in your savings & checking accounts and in your brokerage accounts? A few months ago Clark talked about brokerage houses that were defaulting accounts into extra low percentage accounts. Over time, it eats you up. The average bank or credit union isn’t paying a great rate either. But if you shop the market place you can do great. Federally insured money market accounts are earning 3.75 to 3.8 percent. And one-year CD are earning 4.5 percent. Compared to recent years, that’s great. If you go for a 2.5 year CD, you’ll earn the same thing. There is no benefit to doing a long-term CD right now. The sweet spot in the market place is 1-year CDS and money market accounts. These are parking spots for savings. This isn’t investing. You can go shop rates online at bankrate.com. That’s why you don’t let your idle cash sit in a local bank with puny fees. With your brokerage statement, call up and ask for other alternatives “for sweep.” You want the money swept into a high interest rate account. If they tell you they can’t move you or you don’t qualify, can them. You work hard to make money. Make it work as hard for you as possible. Your assignment is to look at your most recent statements and see what they’re paying you.