Money must work. Helps me to decide where to invest my money except the stock market?

Commodities, Corporate, short term government, or municipal bonds, stamps, antiques, own a small business.

real estate. it may differ a little bit now and then, but it will never crash.

Equity indexed annuities give the returns of the stock market (when its going up) without the risks/losses (during the downturns...often guaranteeing a min of 3 percent
Insurance Cos write these like ING or Midland
Watch the fees ! They are also tax deffered-no tax on earnings till withdrawn allowing better buildup
They are awesome for IRAs and non IRA moneys esp for folks 50+

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