What's the safest possible thing that I can do with my money? Anyone who's seen me around the finance threads knows that I take bearishness to an extreme. Having witnessed the 2000 tech crash, I have no faith in the stock market or the US economy. I keep all of my money (USD) in a savings account. However, with the recent financial turmoil, I have a few questions : 1) Is it conceivable for the FDIC to fail? 2) If so, is there a place where I can put my money that will be safer than a savings account? 3) What's the safest, most risk-free way for me to save money and not get killed by inflation and the tanking US dollar?

I need accounting software that will help me manage 20-30 people's income and expenses. I am not an accountant, and write this question as a complete babe-in-the-woods in terms of accounting software. I work in an organization that helps those on different types of government assistance manage their money. We receive their funds and then disburse it to rent, bills and personal spending. All of the checks however are written through a single account not 20 different ones. Which software do I need? Being able to track all of the transfers and to categorize expe