Ok, somehow, through no wisdom on my part, I have not participated in the meltdown of the market. Through some incredible timing and a little sheer laziness, I rolled my ESOP and 401(k) funds into my IRA about this time last year and never invested them. I then sold all of the stock I was holding in that IRA in preparation for buying something, but I got too nervous before I did it and just held off. Eventually, I bought 6 month CDs with most of it, to wait it out. One of the CDs the bank failed within 3 months. I got my money back from the FDIC. They other one matured in January. Now the question is what to do with this somewhat sizable (at least to me) chunk of cash languishing at money market rates in my IRA? Any good suggestions?