you need to make sure that your serious cash is liquid I use a maxf funded indexed universal life insurance contract that's structured correctly and funded properly as my liquid H slush fund in case I need money any time the key elements of a prudent investment are number one liquidity number two safety number three rate of return and the fourth are tax benefits the laser fund scores higher than any other place that I know of to put serious cash these are the scoring systems I have in my book called the laser fund if you would like to read and study in this 300 Page book simply go to laser fund.com and you contribute a nominal amount towards the shipping and handling I'll cover the rest of that cost I'll pay for the book and I will fire out a hard copy to you via Priority Mail