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If participating in something higher safety put more money in funds market fund than in your bond fill. For greater income in this particular safer one half of your portfolio, invest more in your bond cash. Otherwise just go along with original asset allocation given here.

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As a lender, is these bad people that bother . I wish there were some mechanism of which I could distinguish the wheat from the chaff, the best from the bad, those who intend to get rid of my money from those who do donrrrt you have the character to repay money how the owe other buyers.