Please take that $14,000 out of your saving accounts and invest it into buying 10,000 shares of GM stocks, which is going for $1,40 a share. I guarantee you in the name of prosperity that you will have $50,000 profits by 2010.
The banks are about to be nationalized and you will only be allowed to have 5% of your savings so stocks are the only options, because real estate is still too high, because of local home owner taxes.