No. of Recommendations: 0

I agree you seem to have invested your previous efund foolishly, but you could have used a short-term corporate bond fund, or a combination of short- and intermediate-term bond funds. I think ING is OK, if you're aware of their practices. A five business day hold is usually a calander week.

I assume you now keep at least six months of income need in short-term fixed assets. I like five years better, especially given that I have to take an RMD from the IRA I inherited whether stocks are up or down in a given year. Like you, I hate to sell stocks during a down market.

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