Hey NoSoup, long time to see!
Good to see you! Anyways, thanks for the tips. As for my student loans, I don't start paying interest until 6 months after I graduate. Not sure what happens if I go to grad school. Maybe still deferred.
I am concerned with if there's anything I can do in the interim.
I guess keep the six month reserve in the ING account which essentially eats up most if not all the "surplus". Whatever is left can be tossed in to a CD ladder and/ior murual fund or individual stock like P&G, Lever or Coke (gotta start somewhere) and hold forever.
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