That's a, um, NICE problem to have.There is a service that will take your money and spread it out among five affiliate banks; in this way you can have up to $500,000 FDIC-insured. It's listed at www.bankcd.com but you have to pay $10 for the contact info. I have no idea if it's legitimate or not.Online brokers are insured to $100,000 cash by the SIPC, but most of them carry insurance above and beyond that. So you'd only have to worry about the case where both the broker and insurer fail.
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