If you are not so called "stock savy" this may not work for you....
But I use Scottrade to buy and sell stocks and the money you have is rather liquid.
I started with 1000 dollars into my account. With luck and smart buys it has grow over the last year. In one day alone (with prior research of course) I made 900 by buying a new ipo, a chinease jop company basically monster jobs for china. Got a 25% return on the first trade. Look for small gems like this, I would not buy this stock now though as it is inflated and sure to fall soon but Scottrade has the lowest fees for trades. Then again I am a Finance Major in one of the best business schools in the World but I think anyone with common sence could atleast pull in 9% returns a week.
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I suffer from amnesia and deja vu at the same time... I think I have forgotten this before
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