The govt seems to be rewarding some bad behavior. The FDIC is replacing all deposits regardless of amount. One start up /venture capital firm had 95% of its assets there. While taxpayers are not paying for this directly if you have money in a bank you are through fees. Plus there some low...
I believe this is now true thanks to our congressmen. My Dad left my brothers and I a small amount and I and slowly working through it based on the old way. You should be able to get some info from the firm holding the IRA. I suspect they would be very happy for you to leave it where it is and...
Check and see if you where you can cut your spending and get out of debt. Do you have a budget? What is your plan to pay off any debts including mortgage? I could be wrong but it seems like the economy is due for some kind of correction and you can take advantage of it if your debt is gone or low.
I would have a lot of questions. There are internet microloans systems on the internet which may pool money and lower your risk. If it is up to you to pick the loan and vet it then I would worry I didn't have the time or expertise to do it.
PS -- I was in one that turned out to be a scam many...