Cryptocurrency has been on the market for 13 years, but no one has really figured out what do with it. When money market funds were introduced to the public in the 1970s, it took people no time at all to figure out that they could use them in place of bank savings accounts. The return was higher, and the risk was so small as to be practically zero

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This week, the SEC charged a Florida firm, Synergy Settlement Services, and two of its principals with misappropriating client funds. What makes this especially awful is that the firm specialized in managing money for people with disabilities who had received funds from a personal injury settlement

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