(Money Magazine) — Question: My wife and I have $25,000 in a money market account earning almost nothing in interest. We would like to place $20,000 in some kind of an account that will give us a better return. This is our emergency money, so we’d like to invest it in something fairly safe. We also need to be able access the funds if necessary. I’ve had suggestions to invest in bonds, CDs and another money market account. Do you have any suggestions or recommendations?