updated README, todo & bugs are now in own files

README

@@ -1,18 +1,8 @@
-TODO:
-    * fix BUGs
-    * convert code over to use bill_type instead of name in bills.html
-
-
-CONSIDER in code:
-    * when we time the payment of GMHBA / HCF (and at what cadence) and include it in calcs better
-        - it kicks in after pay stops, and could be paid monthly say, but it is higher than if we pay yearly (I think)
-    * could make bills be paid quarterly rather than as 'daily' living expenses
-        - also could be more painful with bill increases, they seem to go up more than CPI
-
 CONSIDER in real-world:
     * moving > $250k into say ING, then rabo-bank -- 4 months interest higher in each -- maybe to another provider after that
         while the balance is > $250k it offsets individual bank risk
     * maybe buying shares in something like berkshire-hathaway, or vanguard ETFs?
+    * pay out car if the diff is negligible to reduce the exposure to > $250k in bank
 
 To run the code: