Agree with the credit union idea. They do have a better chance. What I see is that the Dow is going up one day and down the next. This is a sign of things are getting close to a slow but sure collapse. Will be nothing like 2008, will be much larger. Just remember that even if we have our money in the safest place that the dollar may collapse so it is very important to stock up on food, water and ammo. Keep your eyes on the national debt clock at http://www.usdebtclock.org/ so you can see that the national debt is now at $19 Trillion. Many say that the $20 to $21 Trillion is the point of the collapse, we will see. The $20 Trillion mark will hit in 2016 so it is around the corner.