jrr7,Thanks for the reply. I've got about 4 yrs of living expences in Money Marker Funds. About 2 months ago I took this first step so that when the market is not performing, I have funds to use for living expences.The next step I need to take is to determine a better place for this money, hopefully something better than the Money Market but with about the same risk. I've been spending lot's of time learning how to handle stocks. Now I need to spend some time with the non-stock portion of my portfolio. At approximately 5% per year I'm not sure it really makes any sense to go to the trouble of going to CDs, laddered CDs or Bonds.Thanks again,Tom
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