Say you're one of those lucky jerks that actually got funding/operates a profitable business/just has piles of money. Right about now you're probably wondering which of your accounts are insured by the FDIC, and more to the point, which are not. Not to worry, the FDIC's got your back (well, unless you're talking about annuities, in which case, you're on your own). They've got a handy FAQ on their website that addresses all your worst nightmares about losing your start-up's nest egg. Here's the quick and dirty:

The following types of accounts are insured by the FDIC: checking, savings, trust, CDs, and IRA retirement accounts. These accounts are only insured up to a limit of $100K though, so if you've got that amount in one account you may want to spread it out.

And here's what's not: mutual funds, stocks, bonds, annuities, and life insurance policies.

Pretty much as you'd expect.