My comments have several points:
1) Risk/Return Evaluation, ART
2) Park cash at CD to buy stocks at different times, so buy CD with different maturity dates
3) Buy stocks which is high related to your living costs
With house prices keep going down and city costs keep going up, the Muni is not a good long term investment.
Yes, stock investment is still the best choice for a long term, that is why I said put the money into stocks within 2 years.
