College age son? I didn't read any further after that STUPID comment, Shoes. ND, I don't have a hardon over 5.5%. As you will learn when you get older, you shouldn't take much risk with your retirement nest egg after you reach a certain age. IMO, the market is in a bubble created by printing money. It's only a matter of time before it tumbles. 5.5% is the best non-stock market investment available.It is legit. If he supposedly has a college aged son who lives nearby, I would think he would/should help his sick grandfather with such a move especially since TJC (again supposedly) raised him. If he didn't help, TJC should cut him off.....you know if he really exists.