You should blend your savings. I think I've told you this one before during our last cafeteria visit, but I prefer a savings chunk (about 6 months of living expenses) stored into something like an ING Direct account, then start playing with the rest. If you don't feel comfortable playing the market directly, you can always do an indexed fund (follows Dow Jones, NASDAQ, or S&P 500) or a blend of mutual funds.

CD's tend to be a waste of money for you in my opinion since the returns are so minimal and rates are crappy. Better to be a bit more aggressive with them now while you can afford to take more risks. If you INSIST on playing with CD's though, I'd do a tiered system, where you buy a new CD every month or two, staggering them so you always have one retiring around the time you invest more. That way, you can have some liquid in the event of emergencies.

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you should buy stock for _anga.

gah investments no! i mean i know it's all about the future, but i'm holding off (besides lack of money) but more due to lack of futurevision YET yet.. but how are yOU i want to know more anyways~ are you still in durham? you should see mee i want to see you so we have to see each other ^^

Take the long view, Roy, and just get a regular flow of money to build into something you can invest at higher rates. You might consider getting an IRA (up to $4000 is tax deductible) that, over time and as it grows, will get you to a nice nest egg. Damn, 12 years ago I was in your position, recently out of college and truly debt free. I wish I had started to regularly squirrel away at least 25 bucks a month. Which is what I'm doing now. Never too late to start saving.

yea, i put $1500 into a cd for a year, and it was a waste of time. It gave me a little more interest (maybe .05%) more than my savings account, and the interest was put into my savings (which i spent). In the end the only good that came of it was that i was forced to not spend the money. But obviously that can be a bad thing due to penalties for taking it out early.

look into a Roth IRA, thats the best "long term" investment you can make. I'm sure you already know, but its a retirement IRA that does not get taxed when you remove the money post retirement.