You got a metal roof for 3.8k? Either you have a much smaller place than I thought, or my friend is getting rooked. He bought a good-sized Cape Cod last fall, and early this spring a high wind ripped up part of his roof & demonstrated that he had rot going on up there; last time I heard he was looking at 13-15k for a metal roof. Admittedly, that may include some timber replacement, I haven't seen just how significant or extensive the rot was. And Cape Cods do have a disproportionately excessive amount of roof for the square footage.

I got pulled into a money market with my own bank last year with an "introductory" rate. After three months, it dropped to a fraction of a percentage point - like 0.05%. It really isn't worth bupkis, but at least they're within strangling range if there's a run on the banks.

And yeah, half and half was pretty much the idea. I've got about as much in my checking account as I'm expecting from drunken ol' Uncle Sam this year.