I turned in one of my investments...it had to sit in my credit union for 4 days (the firm was inside my credit union) I went to then withdraw all of that money...my credit union said they did not have my money in their vault to withdraw..but they would let me have 1/4 of the money...I threatened them so then they said I could have 1/2 of my money...They thought they won--I called them 2 weeks later & told them I would be in on such & such date to take out ALL my money....THE BIG BANKS HAVE ALL OUR MONEY not the small banks, not the credit unions & not the investment company's....REMOVE as much money as you can & only keep enough to pay your bills monthly & keep the cash at home in a safe. PERIOD