Talk at the "cooler" about investing, is usually around Stocks.
Although I make money in Commodities, there is a "safe" way -
that banks and investment houses use, but they won't tell You!

How about a product that returns 12 - 42%, is 100% insured and
backed by the assets of the wealthiest institutions on the planet.
Your banker takes your "CD" money and invests in this vehicle.
Now you can turn the tables with this special insurance contract.

Earn ROR equivalent to, or exceeding, the equity markets!
Without any market risk or risk to principal - Guaranteed!!!

Its called a Viatical Settlement - and here is how it works.

Viatical Settlement - the sale of a life insurance policy at a
discounted rate to a group of investors by a person who is in
the advanced stages of a terminal illness.

The Investors hold the policy and receive the full face value of
the policy at maturity. A win-win situation. The "viator" is able
to enjoy the cash proceeds of his policy while still alive, and
the investor receives substantial returns that have been g'teed
by a major life insurance co. as well as the state's g'tee fund.
This means it's safer than a bank CD for amounts over $100,000.

Imagine ... NO exposure to downside risk! So instead of 4.75%
return on a CD you can receive 3 times as much, with no risk to
your principal or earnings on that principle. They are so safe
they qualify for placement in IRA, 401K, and Keogh private plans.

Maturities are available from 12 - 36 months, and are taxed as
capital gains when they mature.

CAVEAT: Do Not use "contestable" or policies that offer to buy
back annually or at maturity. They are more likely unregistered
securities. Ask only for one who represents a viatical settlement
provider who is licensed, bonded, insured. Make sure the policies
are "traditional, conforming, non-contestable" viatical
settlements.

Isn't it time you join the professionals? Your Banker won't tell
you! Nor your Insurance Broker or Attorney! Not even your Fund or
Trust Manager! For more info on Viatical Settlements and reputable
firms, please visit this page;

http://www.quackwatch.com/02ConsumerProtection/viatical.html