While you are figuring it out and/or deploying it over time, US Treasuries and certain CDs are paying 5%...and 4% for certain online savings accounts.

Account Closed Hi Rhonda, If honest I spent about $8,000, some say its a lot, (my parents did) some say its small when compared to many programs out there, either way I took a leap of faith and saw the potential it had for my future.  

In my Longmont flip, we made sure to account for worst-case scenarios upfront so there were no surprises later.

there are ways to get around the highest and you also need to take into account the savings you will generally have on the purchase side when compared to other regions. 

Day traders are not exempt unless they elect mark-to-market (MTM) accounting, which eliminates wash sale tracking but taxes gains as ordinary income.To manage taxes, track trades closely, avoid overlapping purchases, or consider MTM election if trading actively.

That would be around $90,000 sitting in a savings account!

They ended up with no help, and less money in their bank account.  

Rather than use credit score as a criteria, I reject for consumer accounts in collections and unpaid civil judgments.

How do you know there are funds have you seen actual bank accounts ?

They should be able to hold them accountable for how they handle their escrow accounts.