http://www.incomeinvesthome.com/fixed/cd/index.htm The single most common investment for senior citizens and many people saving for retirement is certificates of deposit or savings certificates. en-us Tue, 29 Jan 2008 04:00:00 GMT Tue, 29 Jan 2008 04:00:00 GMT http://www.rssboard.org/rss-specification Weblog Editor 2.0 goldegg2008@gmail.com (Richard Stooker) goldegg2008@gmail.com (Richard Stooker) Copyright 2008 by Richard Stooker and Gold Egg Investing LLC http://www.incomeinvesthome.com/fixed/cd/cd.htm Too many people don't understand how the money they hand over to banks is used by banks to generate an income, part of which is paid as interest to the certificate holder. Tue, 29 Jan 2008 04:00:00 GMT http://www.incomeinvesthome.com/fixed/cd/cd.htm http://www.incomeinvesthome.com/fixed/cd/benefits.htm It's easy to criticise certificates of deposit, but obviously they have some benefits, or they wouldn't be so popular. Tue, 29 Jan 2008 04:00:00 GMT http://www.incomeinvesthome.com/fixed/cd/benefits.htm http://www.incomeinvesthome.com/fixed/cd/risks.htm Every investment has some sort of risk attached, and certificates of deposit are now exception, even though they're sold as low risk -- they're highly vulnerable to one devastating form of risk. Tue, 29 Jan 2008 04:00:00 GMT http://www.incomeinvesthome.com/fixed/cd/risks.htm http://www.incomeinvesthome.com/fixed/cd/bad.htm Even without considering risks, savings certificates come with significant disadvantages you need to know about. Tue, 29 Jan 2008 04:00:00 GMT http://www.incomeinvesthome.com/fixed/cd/bad.htm http://www.incomeinvesthome.com/fixed/cd/use.htm Certificates of deposit do have a place in the world of income investing, though it's far smaller than most people evidently think. Tue, 29 Jan 2008 04:00:00 GMT http://www.incomeinvesthome.com/fixed/cd/use.htm