Laddering for higher, more stable returns

When investing in things that pay an interest rate--things like CDs and bonds--it's tempting to try to get the maximum interest rate, and then to try to lock up that rate for a

Treasury bills for ordinary folks

Let's say you've paid off any debt, except maybe a low-rate mortgage or student loan, and you've started saving the 3-6 month's spending money that all the books sa