I learned something new today. After that IndyMac Bank blunder last week in California, I did a little research and found out if you have over 100K in a particular account at your bank, you can just name your family members as beneficiaries and each one of them will be fdic protected up to $100K if your bank goes under. So if your sporting a pile of money in one account, you can protect it for more than the standard $100K fdic insurance with just a few simple steps. I think there is some kind of cd that covers you up to $50Mil too, but I am not all that savvy with this financial stuff. Im sure there are probably a lot of options, but for the novice financial people like me, this is pretty good info to know.