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.

We are not using any cloud-based storage for our personal documents. Much more secure to store them on our external drives.
Agreed. For physical security one still wants to keep a copy in a secure location (off-site or in a fireproof safe). 19th century technology, built to last.
https://www.metrosafe.co.uk/editorials/news-releases/date/2016/03/01/the-history-of-the-safe-deposit-box/

Added 1000s FLNG to my existing position in this LNG shipper following the sharp selloff on earnings. (Half the total position is hedged via options thru 2/24).

SECURE Act 2.0 Section 307 (see p 2237(!) here) amends IRC Section 408(d)(8) by adding a new subsection (F).
This new tax code provides for a QCD to any "split interest entity" (408(d)(8)(F)(ii)) including (I) a CRAT, (II) a CRUT, or (III) a charitable gift annuity. I haven't yet searched for mix-and-match restrictions, i.e. whether one can contribute to more than one gift annuity or, say a CRAT and a gift annuity. Fidelity seems to think that one cannot mix and match, though it is silent on making QCDs to two entities of the same type.
https://www.fidelitycharitable.org/articles/secure-act-2-0-retirement-provisions.html
Fidelity's page on charitable gift annuities says that they may have mins as low as $5K but depending on the annuity the min could be much higher. OTOH, it also says that CRTs typically have mins of $250K which would exclude most of them from this new section of the tax code.
https://www.fidelitycharitable.org/guidance/philanthropy/charitable-gift-annuity.html
A QCD donation to a split interest entity can only be done in one tax year, similar to the restriction about using an IRA to fund an HSA. You're allowed to make multiple contributions in the same tax year. Keep in mind that if you want the QCD to apply to an RMD, then it must be made before other distributions (standard QCD/RMD rule).
I can understand the loophole about treating the full amount as a QCD even though one receives a taxable benefit later (what Yogi labeled as (i)). Any other treatment would make this whole thing too complicated - that you would get only a partial QCD exemption from taxes. And that would defeat the objective of using a QCD for RMD purposes.
QCD decision flowchart (showing where CGA, CRAT, CRUT fit in, and a paragraph on each).

A M* poster (LINK) noted this new RMD-QCD-annuity, https://ardweb.uchicago.edu/downloads/QCD_to_Fund_a_CGA_One_Pager_2023.pdf
This is modeled after the charitable remainder trust (CRUT/CRAT) with taxable funds. In these, basically (i) the donor gets immediate partial deduction for the imputed value of the "donation" (accounting for annuity "benefit"), and (ii) the payments to beneficiaries are taxable.
In the new RMD-QCD-annuity setup, only (ii) applies as (i) is not completely applicable. But I am surprised that the full amount is counted. So, if one has $50K in this RMD-QCD-annuity, and $50K in outright QCD, one gets some benefits back from the former. This does seem strange but it is more restrictive than CRUT/CRAT from taxable funds (e.g. beneficiaries can be the donor or spouse only, and other restrictions).
Edit/Add, 8/17/23. QCD can only be from T-IRAs, not from 401k/403b (but those can be rolled over into T-IRAs). Note the RMD age of 72+ and QCD age of 70+.

And Howard Marks & a group left TCW before that (1995; founded Oaktree)). In fact, Howard Marks helped Jeffrey Gundlach a LOT (2009) by providing most of the the initial costs to set up DoubleLine (new fund registrations, new office, some basic payments to 12+ people who also quit with Gundlach) - a check for around $20 million for 20% stake in something that may have gone nowhere. But it all turned out good and Marks became a lot more richer.

And JPM.
Tangled web. J. Epstein.
https://www.cnbc.com/2023/08/15/jeffrey-epstein-referred-obama-white-house-counsel-to-jpmorgan.html