Well I have about $14G in my savings. I just dont want it to sit there. I'm plan opening a roth IRA and throw a few G's into it at the beginning of the year. I'm looking to make long term and short term returns. I don't have any debts holding me back(except a school loan but that will be paid off by the end of 2008 and a mortgage payment). Everything else I have is paid off. Any suggestions?