<prompt> Human: My current thinking is using it for home projects. We just purchased a house that could use a little work new HVAC, bathroom remodeling andor landscaping. Having this disposable liquid cash makes it seem like a good choice.We likely wont do these projects for a year; are there good 12 month investment strategies?Other infos: - no credit card debt - no car loans - 3.5k in student loans at 6.9 apr  <response>: Pay off the student loans. If you dont have an emergency fund of at least 3x Cost of Living, where cost of living is 1 month of rentmortgage, utilities, debt payments, foodclothingmisc, fuel, etc.. Then with whatever is left over if your house has a loan with an interest rate over 4; Make a payment to principal. Put the remainder into savings. 