With my previous employer (a big box retailer) from whom I retired last year after 35 years, due to a 15% employer match and rapid appreciation its stock alone escalated to 25% of my portfolio. Have whittled that down to @10% after using proceeds for mortgage down payment and charitable gifting. No hurry to reduce further as company pays a dividend and is stable.

I think that one can quote 10-25% under fair use, less the better.
Paraphrasing the essence of the article is another way, my preferred way. I didn't mean just word replacements for paraphrasing.
I did listen to 2 songs that @msf noted on a famous copyright case. It was more the similarity of tunes, not words. Songs can be copyrighted as text and/or audio/video. I recall hearing both songs in the years past and I remember thinking that they sounded similar - many songs do, and one song often reminds about another song. Some popular religious songs are blatant copies of commercial tunes. One can drive a truck under the shades of improvisations. As Ringo Starr noted that George Harrison was just unlucky that it became a legal case. George Harrison noted that, actually, he was trying to sound like ANOTHER song, not the one for which the copyright lawsuit was filed. I think he didn't want to settle either. His version was MUCH more popular than the other song and I am sure that he could have settled easily with the estate of the other song writer/composure if he wanted to.
Only the copyright holder can complain formally. Others can Flag for the protection of forum/site managers.
Beyond the poster, the hosting site can also get into trouble for copyright violations. So, on a serious copyright violation, the MFO may be contacted first, and then Vanilla. The identity of the anonymous poster may become known only in any legal proceeding.

A poster at M* noted that the free credit monitoring offered by Kroll/PBI/TIAA is for 1 credit bureau only. So, I just checked mine by logging into Kroll & under "Services", it says Experian only.

Aside from a self-destruct date (two years of service), I wonder if there is a difference between this and the Experian-only free monitoring service that AAA provides to members?
https://www.aaa.com/experianidtheft/

It is very very rare on these threads, to see specifics about how much you are investing. So you hear these very detailed discussions about buying, but nothing about the extent of buying. I am an investor who does not have a large number of positions. I prefer to have larger, but fewer positions, in my portfolio. When I was investing in Bonds before March 2022, it was typical for me to own 10 or fewer positions, with my smallest position being in 6 figures. Even now in my CD world, 6 figures is my typical minimum.
So, this is a long winded way of stating, that it would be helpful to know how large of a treasury position, a bond oef position, ETF or CEF position, you are referring to when you state you made a purchase, or own a position. I know FD's investing style, and he talks about his successful performance, but he only invests in 5 or less positions in his portfolio, and each position is often larger than the entire portfolio of most posters, in talking about their purchases. I also know Yogi somewhat, but I have the impression that his purchases are part of a portfolio, with very large number of smaller bond positions. So, understand not only what they are discussing and purchasing, but also how much they are investing.

+1
Since 2017, I have been in only 2-3 funds, right now 2 funds. I stopped investing an equal % in each fund over 10 years ago, a typical position is in the 7 figure.

(Originally from Bloomberg)
Excerpt: Gregg Smith was sentenced Tuesday in Chicago by US District Judge Edmond Chang. Smith, who was convicted last year along with Michael Nowak, the bank’s precious-metals desk head, was described by an assistant US attorney as “the most prolific spoofer that the government has prosecuted to date.”
The judge said Smith and Nowak clearly knew what they were doing was wrong. “You told many lies to the market,” Chang said. “For many years, you injected fraud into the market.” He ordered Smith to start his sentence on Jan. 15.
The JPMorgan case is part of a crackdown by federal prosecutors on illegal spoofing, where traders place bogus orders to move prices up or down and then quickly cancel them before they can be executed. Smith and Nowak used the technique to manipulate gold and silver prices from 2008 to 2016.
https://www.dailymaverick.co.za/article/2023-08-22-jpmorgans-most-prolific-spoofer-gets-two-years-in-prison/

One only needs to consider GE to see the risk of only holding one or a few stocks. This was the only stock we owned for many years, a gift from my wife’s grandfather.Twenty-five years ago, it was the largest company in the world by stock value. Now, it’s worth a small fraction of that. Fortunately, we sold portions of it during its heyday, for down payments on houses. Plus, we’ve only invested in stocks through mutual funds in our retirement savings. GE was by far our largest asset when we married; now it’s less than 0.5% of our savings.

After many bad experiences with Vanguard from top to bottom, I left a dozen years ago for Fidelity and have not regretted the choice once.

Literally or figuratively a dozen years ago? The reason for the question is that around 14 years ago (2009) Vanguard dropped Pershing as its clearing house and started self clearing. Virtually all the comments I read said that this was a major improvement.
https://www.investmentnews.com/vanguard-to-leave-pershing-and-self-clear-19277

This was after the switch from Pershing. Customer service was the primary problem.

Seriously (for a change)- I suspect that it's just a quirk in the Vanilla software. I'm very certain that the MFO "monitors" have a lot better things to do with their lives than sit there watching a computer screen to see if any of us are doing bad things.
If they were watching closely they would have thrown me off MFO years ago on general principles.

Perhaps my memory of what was notarized at the local UPS stores near me is flawed. I'm pretty sure I got two medallion signature guarantees at one of them.
I can say one thing for sure: maybe 12 years ago local banks stopped being a sure bet for medallions. They went from Any Time You Wish Sir, to once a week, to a haphazard schedule to none. And when it got to None they sent me to Any Notary Public. And I found one a block or two from the bank. She was not a financial institution officer. And she charged me an exorbitant fee. But I got the medallion signature guarantee in her little office.
Here is a link to info about what UPS notarizes:
https://www.theupsstore.com/store-services/notary-services
It looks like wills and trusts are included at at least some of their branches.
No mention of medallions.

I changed CG=100K + coverted $25K from T-IRA to taxable for each person = $150K income..and the numbers for Fed+State tax stayed the same.
Again, even if I was 60 years old and not living in GA, I would not buy CD/treasuries direct. MM or ETF=TBIL for treasuries allow me a much easier and more flexible way. It's especially easier with big numbers.
Most household retirees have small portfolios, about $400K. Most don't need income beyond 80-100K (including SS)

I used to deal with fund companies directly, and it was a huge hassle. It was much more trouble making changes, and I was continually bombarded with mailings and paperwork. My life has been much simpler since we moved all of our accounts to Fidelity. I am able to invest in a range of funds from Fidelity and other fund companies. Fidelity has excellent money market and CD offerings. I can make transactions online quickly and with no difficulties. I have invested wit Fidelity for 20+ years and can’t recall a single bad experience. I also had accounts at T Rowe Price and ended up moving those to Fidelity as well.

BTW, the Treasury FRN ETFs are USFR, TFLO. All references to those have now rolled off to Page 1. I did execute ultra-ST ICSH to USFR switch last week.
So, I am doing both - using FRN Auctions (that will tie up money for 2 years) and FRN ETF USFR that is liquid.
Check multiyear histories of prices for FRNs or USFR - because of the weekly rate reset feature, their duration are VERY short and actual-prices (i.e. w/o reinvestment) don't move much. StockCharts show USFR (adjusted-prices; default) and _USFR (actual-prices) for 1 yr (default); change to February 2014 inception for longer history. BTW, FRNs originated in the US in 2013/14.
https://stockcharts.com/h-perf/ui?s=USFR&compare=_USFR&id=p34790200927

The nearest Fidelity office is four miles from my home. There is no parking whatsoever around there.
My nearest Fidelity office is nearly 4 miles away, over in the next county. Not only is parking nonexistent, but the drive alone would take around a half hour on a good day (an hour is more realistic). Not in a million years would I drive to a nearby Fidelity branch. (Some branches two counties and a 1¼ hour drive away have parking lots.)
These days many urban areas have bikeshare systems for short, one-way trips. No need to own a bike.
https://data.bts.gov/stories/s/Bikeshare-and-e-scooters-in-the-U-S-/fwcs-jprj/
I can still count on Fidelity for notary and medallion guarantee services. Not so for the Schwab office four blocks from me or the neighborhood BofA/Merrill. They'll both just send the papers over to a back office somewhere for a medallion stamp. Not a single neighborhood financial institution, brokerage or bank, has a notary anymore (I checked a month ago).
Those four miles are looking better and better :-)

:)
@Ben, Sounds like you’re happy now. No reason to change. My leap was triggered by intense unhappiness with TRP’s service and customer support (not their funds). Having about half my assets with them, that was the first move. Over the next couple years I became comfortable with Fido and gradually shifted everything else to them.
Appreciate @MikeM ‘s contribution to the thread. Always has something worthwhile to say. And like me, he’s been around the block a few times.
@Old_Joe. Those one wheeled gizmos look appealing. Probably good if you’re invested in the health care segment - but likely bad if you’re in insurance. I’ll stick to 2-wheels.
Than there’s this great line from Orwell’s Animal Farm: "Four legs good, two legs bad"

@Ben, I do believe your mind was already made when you posted. Stick with what you already think is best. But, over the years, there have been 10x the positive posts about brokerages such as Fidelity and Schwab then negative. I wouldn't dwell on the one bad experience someone may have posted with a telephone call that didn't go well when most have never had that bad experience. But, as stated before, if you are comfortable with holding many direct-house investments, stick with it.
And again, when you can walk into an office and talk with someone at the brokerage for guidance, that is a big plus - at least to me. You aren't going to do that at 7 different fund families.

It's the other way round. My mind was made up for many years before I made the post. Then when I began reconsidering, I thought it would be a good idea to find out what I was not seeing. So I decided to ask. And the result has been rewarding. The most compelling argument in favor of a brokerage I've heard is having mercy on the executors of my estate. They will have a lot of other things to do and making their job easier is a kind thing for me to do.
Convenience for me while I live? So far I'm not convinced.
The nearest Fidelity office is four miles from my home. There is no parking whatsoever around there. An 8 mile walk to speak with someone does not seem convenient.

After many bad experiences with Vanguard from top to bottom, I left a dozen years ago for Fidelity and have not regretted the choice once.

Literally or figuratively a dozen years ago? The reason for the question is that around 14 years ago (2009) Vanguard dropped Pershing as its clearing house and started self clearing. Virtually all the comments I read said that this was a major improvement.
https://www.investmentnews.com/vanguard-to-leave-pershing-and-self-clear-19277

@Ben, I do believe your mind was already made when you posted. Stick with what you already think is best. But, over the years, there have been 10x the positive posts about brokerages such as Fidelity and Schwab then negative. I wouldn't dwell on the one bad experience someone may have posted with a telephone call that didn't go well when most have never had that bad experience. But, as stated before, if you are comfortable with holding many direct-house investments, stick with it.
And again, when you can walk into an office and talk with someone at the brokerage for guidance, that is a big plus - at least to me. You aren't going to do that at 7 different fund families.

Ben: "My experience with (with Vanguard Brokerage) was different."
Maybe that's where the problem is: the brokerage you've been with. After many bad experiences with Vanguard from top to bottom, I left a dozen years ago for Fidelity and have not regretted the choice once. Sure, there are shortcomings at Fido that pop up from time to time, but nothing that's made me want to sprint at top speed in another direction like with Vanguard.
Good luck out there.

Vanguard was the worst of the lot for sure, but not the only one. I've never tried the Fidelity brokerage but there have been so many posts on this forum complaining about problems there that I'm not encouraged to try it out.

Ben: "My experience with (with Vanguard Brokerage) was different."
Maybe that's where the problem is: the brokerage you've been with. After many bad experiences with Vanguard from top to bottom, I left a dozen years ago for Fidelity and have not regretted the choice once. Sure, there are shortcomings at Fido that pop up from time to time, but nothing that's made me want to sprint at top speed in another direction like with Vanguard.
Good luck out there.

(https://www.audits2.ga.gov/reports/summaries/retirement-income-exclusion/)
Published: February 3, 2023.. QUOTE: "In 1981, Georgia enacted an income tax exclusion for retirement income received by taxpayers aged 62 years and over. Currently, taxpayers aged 65 and over may exclude up to $65,000, while those 62 to 64 (as well as those permanently and totally disabled) may exclude up to $35,000. The exclusion applies to retirement income such as capital gains, interest, and pensions, as well as up to $4,000 of earned income. Limits apply to individual taxpayers, so a married couple filing jointly may exclude twice the given limit. The exclusion is intended to induce retirees to live in Georgia and provide a boost to economic growth."
=================
Even if the difference is 0.2-0.4% annually why bother? I look for an easy way to trade without any hurdles. MM is a great holding place until the next trade and when I'm in, I invest at 99+%.
Most of our money is in IRAs (Roth+Rollover) anyway.