If you figure that you're going to need that CDIC back-up, better put your money into a small bank, for several banks have failed and I think that quite a few feel that if a fair-sized bank goes broke, the CDIC till will be bare. Being a gov't. agency, there'd likely be back-up, but that would cause substantial delay, quite likely ... and incur more debt for the U.S. gov't., which has taken on far too much, now. As most of that debt is held abroad, they'll have to start paying higher rates in order to entice lenders to buy their debt instruments ... and have been printing money, with the likelihood that they'll be printing a whole lot more, soon. These mortgage-initiating rascals in recent years sure make a bank robber carrying his loot in a pillowcase look like pretty small potatoes. I remember as a kid, when I learned to ride a bicycle down our country road, wishing that the gravel on the road would become gold ... but it didn't take me long to realize that if it were gold for me, it would be for everyone else, as well ... and that soon it would take more than a pocketful of gold to buy a loaf of bread. How long has it been since the U.S. Dollar was backed by gold? Or silver? Our Dollar - same game. And - when your economy gets a cold ... ours gets pneumonia. What's the expected time-frame when you'll need to use those assets? Almost 10 years ago, when I was 70, I called a financial planner on a phone-in radio show to say that I felt that I should plan to fund my life to age 100, which was six blocks of five years each. Fortunately, I was able to live on somewhat less than my three pensions, and expected to be able to do so for some time - now, 10 years later, same story. But it seemed to me that were I to need some of the assets to live on, I should not eat up all of the first block in the first five years, for it would no longer be there to earn some income for my future needs. In fact, I thought that I should try to avoid using any more than that first block of the six in the first 10 years ... especially considerig that inflation would cause me to need more dollars to live the same lifestyle, a few years down the road. You know - that "inflation" that has shrunk the value of each one of our dollars-in-hand in every year since the late 1930s. And money in the bank is like money-in-hand: each dollar of the principal doesn't grow (but it sure does shrink). Which means that I would not plan to use up 83% of my asset during that first 10 year period, and that a number of financial advisors feel that purchasing stocks for more than a 10-year time horizon makes sense. He said that my plan made a lot of sense, in his view. Short-term, if we fear losing capital, we need to invest in guaranteed dollars ... but long-term, those guaranteed dollar investments, after paying tax, and adding some to principal in order to maintain purchasing power, leave little for the investor. If anything. Now, at 80, I carry about 80% of my assets in equity-based investments. That would make many people have a hairy ... but I feel comfortable with it. Yes, I have some losses, but I have some gains, as well ... and the tax structure here encourages holding equities. A single taxpayer with no income but dividends on Canadian stocks can earn over $46,000. before being required to pay ONE CENT of income tax (and having a low-income spouse with transferrable credits, or gifts to charity or a political campaign, or eligible medical/dental bills over 4.5% [in that case - 3% ordinarily] of net income will push that $46,000.+ tax-free income level even higher). Some time ago, I wrote a thread either here or on "Money Saving Tips", I think, asking which ordinary person gained from inflation, and who loses. When you put your money in the bank, say $10,000., 15 years ago, they guaranteed to pay you back every dollar, in addition to the rent on the money. There's another guarantee, that they never mention - they won't pay you one dollar more, either. And the value of each of those dollars has shrunk, in every one of those 15 years ... as it has every year since the 1930s. That $10,000. would have bought a nice car, 15 years ago ... not now. I figured a while ago, when I could borrow at 6.25%, that most of the time I could come close to breaking even on such a loan, using it to purchase quality stocks. So ... now, when I can borrow for 4.75%, breaking even should be an even greater probability, no? If I'd borrowed your $10,000. from the bank, 15 years ago and paid only the interest in the years since (which I would never recommend, on a consumer loan) .................................................................................................................................................... ................................... when I go into the bank to pay off the loan, now, how much will I need to pay? Yes - $10,000. Which they will give to you, to pay off your CD, if you ask. I gained from inflation, because I paid off the loan in depreciated dollars - you lost, since each of those dollars would buy less than when you loaned it out to the bank, 15 years ago. The only value that your money would ever produce, relative to each of those years, was made right then ... and it was taxed - then ... and, in Canada, it's taxed at top marginal rate. When I used those borrowed dollars to buy quality (retirement type) stocks, and since I came close to breaking even each year on the loan that I made, on average, over the last fifteen years, my investment in stocks grew quite a lot, so now, when I sell them, after paying off the loan, I have quite a lot of money left in my pocket. Which asset was built with your money, not mine. Granted - if the stocks went down in value - I had to find the money somewhere else to pay back to the bank. But, as you know ... they didn't. And, over a time horizon of 10 years or so, they haven't. And a bonus for me - as the value of those quality stocks went up ... so did the annual rate of dividends that they paid. When I bought shares in a Canadian bank 41 years ago for $4.20 or so (also referred to below), they produced annual dividends of about a dime or 12 cents per year: now they pay $3.48. As the number of dollars in a CD doesn't change over the years ... the amount of interest that they produce doesn't change much, either. But - my investment in shares of a Canadian bank have gone from $106. in May, 2007 to just over $62.00 now ... why? They put substantial amounts into those sub-prime U.S. mortgages ... and that "asset-backed commercial paper" ("acid-backed commercial paper"??) that some of the U.S. financial scoundrels were peddling. That now the U.S. government, which can't afford to, is going to partially bail them out of. As some say - socialism for the rich ... private enterprise for the low-level guys who get stuck with the bill ......................... when the rich guys pull a big-time goof (but the rich guys get to keep their previously ill-gotten loot). Remember the savings and loan fiasco of, what, 20 years or so ago? Have you given thought to how much it has cost for the Mccain-Obama campaign over the past couple of years? Where do you figure that money came from? Apart from the costs associated with running for Congress or the Senate, etc. Good wishes for increasing skill in managing your income ... and your assets. ole joyful

CD storage is ok if burned to a quality CD. A few years ago, some inexpensive CDs had a problem with the reflective backing. Also, you must protect CDs from elevated temperature. Higher than normal room temperature may allow the media to relax and dull the data pits. Copying data to a new CD every 5 years is recomended practice. Archival quality CDs should be used if you can find ones with this identification. Your instructor recommended flash drives (AKA thumb drives). I disagree. Flash drives are only a little better than CDs. Flash drives may have evloved since they were first introduced, but I have not heard anything to the contrary. Before I retired, I watched their development in trade magazines and this is my information (15 years old). Flash drives have a "keep alive" battery inside. A voltage source is required to maintain the states of the storage junctions. The current draw is very little, but the data will dissappear if the voltage fails. A lithium-ion battery technology was chosen because it was one type that can hold a charge for a long time. Typical life is 10 years. After that, the thunb drive may become unreliable. Recommended practice: Copy data to a new flash drive every 7 years and toss the old drive (after it has been cleaned of data or destroyed). When buying a flash drive, make sure it is a new one and not one that has been sitting on the shelf for several years. Keep in mind that the life of the unit depends on the life of the internal battery. The jucntions of flash drives do wear out. A junction is good for about 10,000 rewrites and then it may fail. To address this problem, there is an algorithm built in that causes data writes to move around the chip such that all of the storage area gets used equally. Therefore, your archived data should be put on flash drives that are not used very much. Flash drives used as a hard drive experienceing thousands of writes/rewrites will eventually fail. The smaller the capacity, the sooner it will fail. Very large capacity drives will last longer since each junction gets written less often. Do not store your data on a flash drive that is used for games. Thousands of rewrites can occur over the life of a game. Static charges imparted to the electrodes of a flash drive can destroy it, or at minimum, corrupt the data.

Check out the Tivoli site. They can definitely get you the radio and ipod dock, not sure about CD though. Do you need CD if you have the pod? Here is a link that might be useful: Tivoli

What you've said really hits close to home. I just now put two (only 2) CD's in a case I got that holds hundreds. I put the liner notes is separate slots. It's only 2, but it's going to be a BIG job. I've got other projects going right now, so that's my excuse for not doing it all right now. I'll probably just do a few a day for now and in a couple hundred years I should be done! There's a good chance I'll just give up and give to the library. If not and they all get saved without the jewel cases they'll at least be easier for my heirs to dispose of. Sounds like you had a very big job and very little to walk away with sentimentally. After going through what you just did really teaches us that all our stuff is just stuff and we need to get rid of as much as possible so that we do not put our families through what you did.