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so what is this CD how does it work is that better than the savings accounts is it better than the stock market right and I want to answer all these questions right now now basically if you don't know anything about a CD you probably don't even know what it stands for it stands for certificate of deposit and the way a CD actually works it's basically like a bond in a sense but not really right so I'm gonna use an example right now so you guys can actually get the illustration in full because this is actually how I learned the most right so for example if my name is Tommy which it is and I walk into a bank and I say hey I need a CD they tell me alright so you know what it is I say no I really don't know what it is they tell me well a CD is basically you're locking in your money for a certain amount of time and because you're locking it in and you're not able to take it out like a check in the counter at savings accounts we give you a higher interest rate on it right so example if I go...