[morphius]

First of all you can still invest the money when you take long term plan, and (short term) the bank will only insure (cd) so much money so you do not wants millions of dollars unsured, and if you spread it out do you know how hard it will be to manage the funds? I can tell you it will be impossible.........Next the money will be worth a lot more in the future so why spend it now?...On top of the fact she will be losing about 60%-you my friend are not listening..........Last you however do not know about funds, and you are not being realistic and for carrying on logical explanation? I have and when did I not...........? Why dont you just gaze at some of my other posts?