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Diversify! Keep enough in liquid funds such as CD's in case of emergency. After that wherever she banks should have a financial consultant who can go oer her goals and give her a list of options for her to mull over and research at her leisure. Also if she chooses to put all of it into CD's stagger them. One due in 4 months, one due in 6, one in 9, one in 12. That way if anything unfotunate happens she always has money coming due. Hope this helps
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