re: are cd's a good idea?

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that's guaranteed a 1-3% return,

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go buy a fairly safe monthly dividend payer. put stops on it. waaaay higher returns and not some risky volatile stock either. good dividend history as well. Not a huge price fluctuation. BUt if you put alot in you will get a lot in return but it isn't a buy and hold and forget about stock either. you will need to monitor it and set stops just in case.