Thanks, Manlobbi.

I mean I'm in the crawling stage, regards my knowledge of investing. And since investing is a subset of worldly wisdom, as Charlie Munger says, I have enough experience to know that my scant knowledge could get me in trouble if i get out over my skis.

Only in the last couple years have I bought Ibonds. And I just bought my first treasuries, last week. I bought one a couple months ago, but it was the minimum so see how it works. Now i have more significant funds in them, so I need to go through the entire cycle before I can say I understand them. I don't trust my intellect alone and need the actual experience of it to get the full sense of the things.

I imagine most people on these boards have more experience all ready, and I don't want to muck up their boards with my rudimentary questions. At the same time, I want to learn, so I want to post, so I'm inhibited, but that's my personality. This particular board is great since it describes me, the beginner part.

BTW, I appreciate your response. Someday I hope to understand the Manlobbi IV10, but i need to start at the beginning so I can be sure I have a strong foundation. I've launched into things without a strong foundation, and I find that that doesn't work well.
:) And I feel things in my body, so I need time and experience as well as intellect.

As for Vanguard, yes, with Vanguard the fees are about a half point less than Schwab for a similar cash product. I am curious about their setup so I want to put cash there to make some kind of improvement, instead of nothing, while still maintaining the safest possible stance as I continue to learn. One step at a time.

Thanks, again.