[JohnN]

richman, respectfully differing on opinion

I've done pretty decent over the years investing,
spent many years in finance and I know the ins and outs enough to satisfy me.

I didn't initially plan to be that high in cash, but was making some year end moves, and decided to hold steady in mid-investment, I had a hunch.

I still think it's really ugly for a bit, and I'll stay on the sidelines,
4-5% guaranteed is a great deal right now from my vantage

happy trails!