I would tend to advise against savings accounts. The taxes you will pay on any interest for the year will kill any minimal return you would have.
If you are looking for long term, open an IRA and two no down mutual funds. If you are looking for something temporary, you would probably be better off doing anything other than a savings account. The hassle with the taxes alone would keep me out of that, much less the lack of any real gain.
Jdoe
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