This post comes from Joan E. Lisante at partner blog ConsumerAffairs.com . Sometimes having money is more worrisome than not having any. It means you have to find a safe place to keep it, and in today's turbulent economy, that's not always as easy as it sounds. Many moneyed souls have their bucks sitting in taxable money-market funds, whose assets have reached a record $2.438 trillion, according to Reuters. It makes sense, because most consumers think of money-market funds as unsexy, low-yield vehicles in which to park extra cash. They also think they're about as safe as that plastic piggy bank you kept on your dresser at age 8. But as George Gershwin once said, “It ain’t necessarily so.” For one thing, all money funds aren’t created equal. There are two basic types: Interest-earning money-market accounts designated as “money-market deposit accounts” (MMDAs) are insured up to $100,000 each by the Federal Deposit Insurance Corp. (Coverage on qualified retirement accounts jumps to $250,000
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