Hi, Charlie. I didn't respond to this post. Sorry about that.
Time has gotten away from me.

I received, Getting Started in Bonds, but I haven't had a chance to look at it, yet. Though I did buy some treasuries. Relatively painless.

I hate to write about everything I'm thinking because I don't want to waste your time. I thank you for your compassion. I did point out my in-laws's failings, but they are much better than the people I started out with, so there's that. But my family did me a favor, too, like doing ignorant stuff so I could learn what not to do. I'm sure I have shortcomings, though, that I haven't even conceived of, yet. Life has a way of revealing those things!

Anyway. I look forward to learning what I can. One thing is that Vanguard appears to be a different animal than Schwab, or probably any other "brokerage," from what I can tell. It has lower fees, though. Another one of those items I "get" to learn more about. I can't help it, but right now, it all tastes like medicine!

:)