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<<it seems that she would invest this cash in blocks of 'liquidness.' Meaning, part of it would be really liquid and would serve her monthly cash needs, and some would be less liquid and cover, maybe, next year's cash needs, and then another part would be even less liquid and cover cash needs for years 3 and 4.

Is there a page somewhere in the retirement area that could coach her on how to invest this cash? >>

Scott Burns writes a thrice-weekly economics/investment/financial column for the Dallas Morning News, and he did an article on building interest rate ladders last fall. His Web page is at

and you can search his archive for the article--it was named something imaginative like Interest Rate Ladders, I believe. Although he talked about one-year instruments coming due at quarterly intervals, the technique can be used for any series of instruments.

Hope this helps.

Eric Hines
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