Rick, I believe you can buy British CDs, which are yielding 4.5% through the british subsidiary of Bank of America: <A HREF="http://www.money-rates.com/isreport.htm" target="_new">http://www.money-rates.com/isreport.htm</A> Evergreen is still the simplest, however. and you know the worst that can happen is you can lose a little if the value of the dollar rises against the othe currenies. Not likely as we are a debtor nation for the forseeable future