[nokia1566]

Well I am planning on buying a house in 3 or 4 years and after some research I was basically told that if my time horizon for investments is only 3 to 4 years I shouldn't be investing in the stock market or other such aggressive investments. I was told to make safer investments for a shorter time horizon such as creating an account on ING and/or CDs. I've never heard of T-Bills and don't really know how to get one. Does pretty much every bank offer CDs (and do they offer different rates)? If I kept 100k on ING, then where would the safest (where I would be guaranteed to get my money back with some % ontop) place to put the rest (over 100k more) be? Can I put more then 100k into T-Bills and not have to worry about problems like I do with ING? What about CDs? Or would I have to go to different institutions and put 100k into each one to guarantee that I will be insured on my investment?

Thanks for the responses in advance.