You have not seen my CD. Occasionally in the red. Schwab told me it was marked to market. I was planning on holding to maturity anyway. 2 yr 5.1 percent
Better to have cash available instead of relying solely on invested (bonds or stocks) for near term needs. I use T bills along with CDs ladders out to 2 years.
I just disinvested from Wellesley after about a year. It was a portion of my TSP rollover. Not happy w performance. Never invested in L Income, just G,C,D and I for me. Wellesley went into money market fund for now..
Spent my youth in Marcy NY. Went to college in NY and left due to no engineering jobs. Great place for outdoor activities.
Once asked what I considered Upstate. I replied anything north of Yonkers.....