Biotech Values

[10nisman]

As you may have surmised I am an idiot with regards to finance. Could you spell it out a bit more?

U.S. Treasuries with maturities between 1 month and 18 months are yielding anywhere between 5% and 5.5%. They can be bought with any online broker and can be sold just as easily as bought.
Depending on the CD, they may not be able to be redeemed early or if redeemed early there's a penalty on the interest received (you may not need to redeem early, but always a good option to have). Last, U.S. treasuries are exempt from state and local income tax (CD's are not).