I have 9 cd's for 82k each (I am under 100k in each case). Each cd in wifes name with a different beneficiary. 4 different banks (penfed, ally, Igobanking.com, hudson city savings bank) yielding 3.50, 3.15, 3.40, 3.55. and 180K in an IRA plus 50k emergency in ally high yield savings.
This...