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I'm betting that this freaks people out, putting your money into a bank that doesn't have a physical building. But if you're one of those people that doesn't go to the bank anyway, using direct deposit and online tools, then there's really no reason to fear the online banking world. And there are advantages, the biggest being higher interest rates. Because the overhead is much lower, these banks can afford to offer higher rates for your hard-earned money.

The Orange Savings Account. Great rates, no fees, no minimums.

One of my preferred online banks is ING DIRECT. Right now, they offer 3% on their Orange Savings Account. This money is totally liquid, the only cavet being that, depending on your linked bank, you may have to wait two business days to access it. All you need is a checking account to open an Orange Savings Account with ING. There is no minimum requirement and they also offer electronic checking options, certificates of deposits, and mutual funds. ING Direct is FDIC insured.

For a list of the best current bank rates, visit www.bankrate.com

ING DIRECT makes $aving money simple! Open your account online today and start earning variable APY. No Fees and No Minimums!

So you want to learn how to make money in the stock market? And you think that in this economy, now is the best time to buy in when the stocks are low. Well, I can't answer that question but I can tell you about a way to buy stocks without having to invest your entire savings account. Sharebuilder is an online brokerage firm that allows you to invest a set amount of money per month into stocks. Want to buy Google? Can't afford the $500+ share price? How about investing $100 per month and buying a partial share? Each trade costs only $4 when set up on a monthly schedule.

You can also place real-time trades with Sharebuilder for $9.95.

The one piece of advice I would give is that you should never invest more than you can afford to lose.

Be aware of one thing with Sharebuilder or any other broker: remember that you will have to pay a fee when you sell a stock. So you may want to accumulate your shares in one or two different stocks, rather than spread out across many.