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foreign ER Cruise Consulting and today Im answering a question about startup cash management and it is what is a certificate of deposit CDs for the for the humans out there who can remember High interest rates so certificates deposits are a savings vehicle where you actually give the bank your money and you get a certificate of deposit you get like a claim ticket basically the bank has your money for a set period of time typically a fixed interest rate although they can float but most banks always want to do fixed um and oftentimes this was this was like a major investment vehicle in like the 80s and 70s when interest rates were like way higher because hey its like super safe its insured up to 250 000 at the bank and so all of a sudden youre getting like you know if interest rates are high youre getting like 10 just by sitting there in a riskless investment thats actually really really good and so for a long time or over the last like five ten years interest rates have been real
