My fingers just rest however on the keyboard. The "home row" bullstuff is just useless, though. Let your fingers sit where ever you feel them most comfortable to sit on. Use your fingers accordingly to hit the keys you want from there. From there on, it's practice practice practice to get higher speeds.
Eventually, you'll get so good that you can just look at text and not have to even look at your keyboard in order to type things out. That's how I can take notes in lectures so quickly, I just stare at the power point projection and type without even looking at my own screen.