Subject: Re: So, a question
We have much of our cash in laddered 8week tbills directly with TD and it is pretty painless. Minus the occasional gov't default it seems safer than any of the banks/brokerages.

Perhaps your tolerance for pain is greater than mine. To me, treasurydirect.gov feels like a throwback to the '80s. DW and I have 4 I-bonds purchased and held in there, because that's pretty much the only way to do it. For my other Treasury needs, I lose no sleep over buying and holding them at Schwab. The bonds are my property, not Schwab's, and the safeguards are the same as they would be at the Treasury.