I have a small sum (15K) that is not earning any interest right now. What should i do with it?

It depends on your immediate needs, your short and midterm goals and your 'taste for risk'. Higher returns are often (officially) more risky. Your age might be important to think about too. Not a direct solution, but with these kind of matters it is not black & white. If you have specific question do not hesitate to ask directly. I will answer as soon as I can (but that can take a few days sometimes)

$15,000 would purchase 333 one-ounce bullion rounds of silver. Current spot is around $42, and it is expected to hit $75 by end of year. Take advantage of the fact that the paper markets are suppressing the price of the physical silver right now. When the bullion banks can't meet their shorts, they will have to go to the open markets to buy silver and the price will really go up.

do not invest in the stock market right now, things are to volatile.

15k not earning interest is better than a negative return.

FIA is as safe as Ford Motor Company (unless you think the latter is going bankrupt) and pays greater-than-average interest of a benchmarked set of money market funds.

Super Safe Investor Answer (since I think the markets will be ugly in 2012)

Would you consider an online savings account?

^ do this only if you have a local checking already (makes transfers easy)

Some banks like Ally offer 1%

Also google your local credit unions for savings and cd rates.

Would you consider a long term cd?

Also google bankrate.com http://www.bankrate.com/checking.aspx

Some cd's offer over 2%

But try those local credit unions and small banks- sometimes they can surprise you

Keep an emergency fund in case you need to move, etc.

invest in the stock market.

Send it to me, so I can spend it.