<<I have nothing in CD's right now because they offer such a paltry return.>> True, the return is paltry. But alternatives such as the stock and bond market carry substantial risks at a time when interest rates are still low and the risk of increases in interest rates are high.In a couple of years, you might find that the rate paid on a CD or money market fund is much higher while you have suffered losses on bonds and stocks because interest rates have gone up.Seattle Pioneer
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