Thanks for the detailed response, Wendy. I wish you had been my financial advisor for the past few years :-) Other than the tiny issue about CD interest--which I have set up to receive annually (they even withhold taxes)--you are spot on. The best I could do was diversify--not bad compared to those chasing tech stocks or only holding S&P500 stocks for the past 5 years, but not as good as someone who avoided corporate bonds since Oct 2002 (about when I started buying them when we became Silicon Valley refugees!)
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