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When it comes to your cash, think safety: yields are in the cellar, but you don't have to settle for 2%.(PORTFOLIO DOCTOR)

OUR READERS

WHO: CHRISTIAN AND LORI KUZAN, BOTH 40 WHAT: HEALTH-CARE

FINANCE ANALYST AND INSURANCE AGENT

WHERE: HAMBURG, N.Y.

FAMILY: AMANDA, 13

SYMPTOM: THEY NEED TO BUILD A CASH RESERVE AND INVEST IT SAFELY

OH, THE JOY AND THE PAIN. Chris and Lori wed last September and settled into Chris's home with Amanda, Lori's daughter from a previous marriage. Then, in January, fireplace ash ignited in the garage and incinerated the 60-year-old structure. The family now rents an apartment while awaiting completion of a new and larger home.

Insurance erased the old mortgage and other debts, but Chris and Lori are hardly on Easy Street. There's the mortgage ...

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