Buy gold and silver. You can just let it sit, and I have a feeling in the next 10 years its going to continue to rise against the dollar. I'm holding between 5%-10% of my assets in these two metals.

Or you could buy a 5 year CD. Another safe way to go is with an ING savings account, I think those pay about 5% these days.

Why not buy a house? Houses are about $100k-$150k in your neck of the woods right? $4k-$5k should be just enough to get yourself into one. 100% loan, seller pays closing costs, it can be done...I know people who do it all the time.

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1999 SL500
1969 280SE
2023 Ram 1500
2007 Tiara 3200