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A certificate of deposit, or CD, is an instrument used by banks to get clients to come in with cash that they want to earn interest on. The interest rate on CDs is often higher if the money if left with the bank for longer. Be aware of penalties for early withdraws of CDs withinformation from a registered financial consultant in this free video on investments. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with …

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