Just received an out-of-court settlement for $250k,... what's the smartest investment I could make?

I'm a 52 year old divorced mother of a teenager. Currently earning 30k/yr... I have $25,000 in my retirement acct., and about $8,000 set aside for my daughter's education. I don't like taking risks with my newfound money. So far, I put most of it in $10,000, 5 yr CD's earning 4.5% - no penalty for one withdraw. Any suggestions?