I actually have few personal questions, that need someone’s opinions. Don’t worry, I just need a few brains to help me think this through. Let’s say I have cash out last July. Now the cash is sitting in Wells trade none-FDIC insured money market account. First, should I be worried about Wells Trade Money Market? Its interest is okay at 4.75% I think. If I move to FDIC insured account, it will drop to about 1.15%. Second, I can also move the money all away from the trading account and get a CD. However, if I want to trade fast, I have re-do all the works. I want to buy some stocks but I am too risk adverse….any suggestion…?