If you live in a high tax state it makes more sense to go with the etf's vs the mmkt funds as the former is 100% state tax free, where the govt mmkt's are not usually, because of their repo holdings. I use both the etf USFR and also S/T bills because of this issue. I found USFR, because of its size and the way they pay dividends easier to use than TFLO.

I kept significant amounts directly at D&C for 25 years. Great outfit. Since opening a Fido brokerage account 2 years ago, more options than I’d ever imagined opened up. Age, too, has been a factor in wanting to combine everything under 1 umbrella. Possibly, the types of funds & distribution network that served one well at age 55 are not the same ones he / she might elect as they near 80. To each his own.

Current rates:
Government M-mkt funds (7-day yield) VMFXX 5.26%, SPAXX 4.97%, SNVXX 5.04%
3-mo T-Bills 5.56%, 8/17/23
FRN yield = T-Bill yield + spread (2023 range 12-20 bps).
So, one has to decide if extra 40-75 bps over m-mkt funds with FRNs makes sense. It depends on the amounts involved too. Real advantage over T-Bills is that FRNs are rolled over every 2 years, instead of every 3 months.
With FRN ETFs, decide if giving up 15 bps is worth it when the fund isn't really doing much work. I could go along with 5bps ER for such trivial work.

Added USFR to our IRA's on June 1. Lots of peace of mind.
Haven't looked at higher rated corporate floaters. Not sure the water has finished receding. Might be more naked swimmers out there. YMMV :)

Until the end of May 2023, I traded HY Munis. Since then, I'm in funds with short duration and low volatility.
I don't listen to a perma bear such as David Rosenberg. Most generic typical core funds can't handle the situation too well. DODIX, a good fund, made YTD just 1.6% with high volatility of 4% from peak to trough, while MM=VMFXX made 2.8% and RSIIX/RSIVX+CBLDX did a much better job.
see (https://schrts.co/mnyiJCSG)

Whew! Put through a small buy at Fido with fewer than 5 minutes left in the day. Prompted a time warning, but it went through. No big deal. Just wanted to throw a few more bucks at the slumping gold, metals / mining sector through a diversified CEF I own. May amount to a case of “going down with the ship”. :)
Gold ISTM fell to below $1900 today. Need @rono to do some cheer leading!

Treasury FRNs
There is growing interest in Treasury FRNs. These didn’t do much during the ZIRP, 2020-22, but have done well after 2022 as interest rates rose.
The 2-yr Treasury FRNs pay the yield of 3-mo T-Bills (reset weekly) plus spread (set at the Auction). The interest accrues daily but is paid quarterly. These require less frequent rolling than 3-mo T-Bills. Auctions (original issue or reopening) are monthly. Among the brokers, Schwab accepts online orders, but you will have to call Fidelity’s fixed-income desk to enter Auction or secondary market orders.
The next Treasury FRN Auction (reopening) is on Wednesday, 8/23/23.
The ETFs are TFLO, USFR; both have 15 bps ERs
These can be good supplements for T-Bills or money-market funds.
Don’t confuse these with regular FR/BL funds that are junk-rated/HY. In between are the investment-grade corporate floating-rate notes.

@catch22
My father and his sisters kicked themselves because starting in 1965, there was at least one cousin at UT for 20 plus years, and then my sister was teaching school. Then in the 2000's the grandkids started at UT. So far there have been four of them.
If they had bought a house large enough for all the cousins ( there were never more than 3 or 4 at a time) in the 60's they would have made out like bandits.
My sister's husband paid $15000 for five acres of land outside of Wimberly ( 45 mins south) in the 1980s. He built his house over time but had a small mortgage for AC and a rain water collecting system. It is assessed at $800,000 now

Brad Cook.
Managed ZEOIX portfolio from Mar 2013 to Jan 2019.

While Fido website doesn't recognize D&C funds or tickers, through an open web search, I found Fido links to several D&C I class funds (TF). It could be that Fido and D&C are negotiating new terms for Fido platform listings (NTF, TF). Schwab shows most D&C funds as TF only.
Via Research Fidelity, https://fundresearch.fidelity.com/fund-screener/
D&C Funds (I classes) https://digital.fidelity.com/search/funds?q=dodge & cox
DODGX https://fundresearch.fidelity.com/mutual-funds/ratings/256219106

@Anna and @sma3 Dinging the thread a bit per Austin. I visited U-T friends there in 1972 for a few weeks, and Austin was an amazing city. I do believe I wouldn't want to live there now at my/our ages. In hindsight, if one had the monies and foresight at the time; purchasing 40 acres of land here and there around the city limits at that time would have provided for a handsome retirement nest egg. :)

@catch +1 Yes, she was so young and hot in those days.
@sm3 :) Austin used to be an oasis, different from the rest of the east Texas flavor. (El Paso was my favorite, however. It's changed more, I hear.)

AAII Sentiment Survey, 8/16/23
Bullish remained the top sentiment (35.9%; below average) & bearish remained the bottom sentiment (30.1%; below average); neutral remained the middle sentiment (34.0%; above average); Bull-Bear Spread was +5.8% (below average). Investor concerns: Inflation (still high); economy; the Fed; dollar; crypto regulations; market volatility (VIX, VXN, MOVE); Russia-Ukraine war (77+ weeks, 2/24/22-now); geopolitical. For the Survey week (Th-Wed), stocks were down, bonds down, oil down sharply, gold down, dollar up. Longer-term rates are rising: Treasury 2-yr 4.97%, 10-yr 4.28%; 30-yr mortgage 7.40% (Bankrate). #AAII #Sentiment #Markets
LINK

I would appreciate the tickers for those 5 to 6 bond ETFs. I'm perplexed as to bonds. Long end ticking up, 10 year clinging to 4.2 but corporate spreads tight so you don't seem to get much extra with IG intermediates. My SMA folks advised me to move from floating rate corporates to a longish duration intermediate when SVP went under, probably thinking Fed was done and had broke something - shortly thereafter a decent amount of gains evaporated and now I'm below my original investment cost from a year ago. Supposed to be so superior to mutual funds . . . .

Thank you all, for the PBI description. I did find this in a search, but didn't readily connect the dots as to the function of the company and its place in the data stream of information.
Per @Anna and apparent old file data still stored.....but, breached, and related to the early days of data:
From a Moody Blues lyric, the song; 'In the Beginning', 1969:
I've miles
And miles
Of files
Pretty files of your forefather's fruit
And now to suit our
Great computer,
You're magnetic ink.
Tape files, the early days, eh Anna?

“Thousands of third-party sellers who ship products themselves will start paying a 2% fee on each sale in October, according to documents reviewed by Bloomberg. That’s on top of the commission — usually 15% — that merchants already pay Amazon to sell products on the popular web store. Several merchants interviewed by Bloomberg interpreted the new fee as an attempt to pressure them into using Amazon’s logistics services rather than fulfilling orders themselves. The company didn’t explain to sellers why the levy was required, but told Bloomberg it will help cover the costs of running a separate infrastructure and measuring its effectiveness.
“Amazon has been accused of having too much power over the some 2 million merchants who use its platform, which captures about 37.6% of all online spending in the US, according to Insider Intelligence, or about six times more than its closest online competitor Walmart Inc. The Federal Trade Commission is in the final stages of preparing an antitrust case against Amazon, and the timing of the new fee took some merchants and consultants by surprise.”
(Originally published by Bloomberg)
https://finance.yahoo.com/news/amazon-imposing-fee-sellers-ship-155714760.html

Yikes. The 10-Year Treasury sits at over 4.27% late day. Been screaming higher for couple weeks. 30 year fixed mortgages now average over 7%. I think the economy is cooling. A check of a few car dealers online over the weekend showed a respectable / high inventory of new vehicles on some lots, and an occasional discounted price - both rare in recent years.

I also have a password protected word file on my computer and no where else ( except hard copy in Safe Deposit box for financial passwords. I copy and paste them into the web page login.
Less important stuff I use 1Password which works OK. There are some places it will not "autofill"
I used LastPass until they were hacked twice
No identifying documents in cloud storage

Recent (2022-2023) ZEOIX decline aside, my take back in 2017 was that ZEOIX at the time had slightly better performance than RPHIX but wasn't worth the extra volatility. "If I'm looking for an enhanced cash fund, I'm quite willing to give up a bit of performance for a more stable fund."
https://mutualfundobserver.com/discuss/discussion/comment/87999/#Comment_87999
BTMIX was a fund I lauded when it launched based on its managers' track records. Like @dtconroe, I bailed in early 2022, when it seems like any bond fund that had even a millisecond longer duration was getting creamed.
https://mutualfundobserver.com/discuss/discussion/comment/118183/#Comment_118183
But RPHIX is a unique fund, and IMHO remains a sold "cash substitute". According to Portfolio Visualizer, on a monthly basis it lost 0.02% in March 2022. Its max drawdown was 0.20% later in the year (June 2022). Still, a loss is a loss. Though compared with cash (PV uses 3 mo T-bills from FRED), it outperformed on the year by more than a percent, 2.96% vs 1.82%.
PV 2022 comparison of funds
RPHIX continues to pace cash in 2023 with no monthly losses. YTD (per M*) is 3.14%, putting it on a pace to return 5% or better (especially with interest rates higher now than in Jan). Though that's not a whole lot better than T-bills (remembering that they were yielding less in Jan). Maybe even slightly worse after taxes in a high tax state.
PV 2023 comparison of funds
Applying the same reasoning as with ZEOIX (give up a little yield for stability), T-bills seem better in the short term. But not by a lot either way.

We're not using cloud storage for anything. We have a password protected Word document on 1 laptop, a printed copy of that and storage on a thumb drive for passwords and a list of all sites we use, their passwords and any notes about same. These are updated as needed.
These are stored in one of two fire resistant filing cabinets we have.