Nice! You have a solid plan. Mine is very similar, except I include silver as well. :)

As far as HYIP, I'm into Control-Finance. Here's my referral link: https://control-finance.com/?ref=LongStockSilver

Do some research and see if it's right for you. I'm comfortable with it and have invested. Let me know if you have questions or want to use my referral.

I followed. I'll be interested to see your progress. :)