I opened up a fidelity account - more choices in terms of mutual funds than Vanguard IMO. Looking through the returns as well, them seem pretty evenly split. But there are a bunch of companies that do these.

Even if you just put your $$ into an average money market account, you'll be getting 4.3-4.7% interest off of it right now - about $880 per year with $20k in the account. Not bad - my bank of america savings account pays about 1% interest or something rediculously low.

For part time income, I run a home business doing internet and print media design. It basically pays for rent every month. Also, a large chunk of my income comes from per diem - I earn about ~$36/day TAX FREE with per diem (~$450/month) and spend about $60/month on food while I'm on trips. I pack a cooler and bring a loaf of bread, peanut butter, honey, salmon, crackers, oatmeal, and cans of soup. Costs about $15 for a 4-day. I was cheap while as a flight instructor, and the same mindset has flowed over now as a I fly for a regional. Spending all your per diem on overnights, is, IMO, stupid.

And I agree with UTAH - I bid lines that have a low credit but lots of days off in a row, then try and pick up 20-30 hours per month which goes over the guarantee. If anything, this screws the company, because I'm actually blocking 60 hours but crediting 90-100, vs. blocking 90-100 and crediting 90-100 hours.