The economic news continues to get worse and worse. First, here is a brief summary of some of the advice I offered in last month’s Estate Planning Insights column: Make sure that your savings accounts, checking accounts and certificates of deposit are in FDIC-insured banks or NCUA-insured credit unions. Keep the amount of money at each bank or credit union within the insured limits of $250,000. Money market funds are not insured by the FDIC and could lose their value.