It is really the question of only that because with Certificates of Deposit, your principal is assured by the government; you are never going to lose that. It all boils down to getting the highest CD rate possible. One of the things that can help you is to check out which of the CDs gives you the highest rate using online research. They'd sooner help someone who's honest enough to admit a mistake than think you're hiding something. If you're behind on your bills because of being put on short time at work; tell them. If you're looking for a part time job to help you get back on your feet again tell them. They aren't trying to judge you as a person; they simply want to know that they will get their money back. Both of course have benefits but by getting advice from a pro and asking them why they choose the investments they did will help you gain a free insight at the same time. If you decide on using a professional advisor be sure to do some checking to make certain they have a proven track record of success. But, users may make certain mistakes and put their own identities in peril. For example, if a person has a habit of writing his username and password and leaving it in places where others can find it, he is putting his own Internet identity into jeopardy. We also cannot deny the fact that there are some people with malicious intents on the Internet who are using this route to make a quick buck. Starting with those three days of trading the market fell for a full month and began the Great Depression which took a little over 25 years for the United States to recover from. In fact it was November of 1954 before share prices reached the level they were at on that first day of the crash. So what caused such an economic disaster? They introduced things such as traded options, short selling, unit trusts and even debt-equity swaps which were revolutionary at the time. After the early success of those Dutch pioneers other countries soon began to see how they could copy this new trading model. Perhaps the most successful were the English with the London Stock Exchange.