I have $30,000 and want to know where best to put it. Ultimately, I want to put it away for my three boys' futures. I want it to make something, however slowly, without risk. But, 0.4 percent? Is that really the best I can do? Joanna, Hammond, IN
The troubled Facebook IPO is casting a pall over high tech (wrongly, I think). The signal moment for the emergence of an even larger digital economy wasn't Facebook. It was Apple's iPad. It's the visible symbol of the rapid embrace of wireless data -- video, images, content, data and communication -- throughout the global economy. A safe forecast: The mobile Internet will transform personal finance.