<prompt> Human: Hello all! Ive been lurking this forum awhile, and I figured Id give this a try. I am a married, 30 year old with a dependent, and Im looking at some investment ideas. Im looking for good interest rateROI ideas that are low-risk. Im currently making 90k per year and day rate bonuses that give me a short check and a long check every month. Im currently putting 2000 per long check into savings accounts with low interest, as well as 10 of every check into another savings account. Long checks usually net 10-11k every 4 weeks. My current research has been in money market accounts and CDs with an APY of 1.85-1.9, but these have low ROIs as well. Short-term is in the next 12-18 months, depending on how markets and our educations progress. This makes money markets attractive, as I would be able to have up to 6 transactions per billing cycle to continually add 1000-2000 per month with an initial investment of 3000. Are money markets usually variable interestI cant remember, nor have I found good data? Any ideas for investments that I am missing?  <response>: 2 rates are fairly decent for your low-risk short-term requirement. 