re: Advice needed for situation....

If i were you, either find a Vanguard fund you like, or what I would personally do is put about 25k each in companies like Exxon,chevron, shell, Altria, wells fargo, at&t, visa, coke, and wal mart.

All companies that are recession proof and will be around another 100 years. Set up a drip with each and watch the dividends compound and keep putting a % in each month.