Sorry, poor subject : 
Momma, has decided that she is tired of earning 1.5%, on her MM investment, of a medium six figure account, in a local bank investment. Wants to take the whole enchilada and put it in another MM acount, paying 4.0%. She doesn't understand or trust, mutual funds or the market, she thinks CD's tie up her money in case she needs it and is reluctant, to budge from her opinion.
If she had her way, she'd move her money monthly, from bank to bank; to whomever paid the most guaranteed interest , at the time. Course, it's all gotta be FDIC insured. : I'm pretty conservative as well. My idea is a staggered ladder of CD's. I've been retired for 2 years; she still works full time and just hit the BIG 62; So , I'm dependant on her income and the amount of assets is her entitlement, which she is entitled to. I just can't get her to consider any alternative, other than keeping it all in a sock, under the matress.
Got any suggestions or solutions? Had a similar situation?? I'm married to this lovely gal but, damn, sometimes her concept of finances leave alot to be desired. What to do? 
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