On line banks
On line CDs have the best rates but I found out it’s good to have a small savings at the same bank if you need to close the CD because the rates dropped too low. The only option I had was waiting for a certified check. Because of weekends and 2 holidays, it was three weeks before I received it. My mail doesn’t arrive in time to deposit it until the next day. Because it was a Friday, I had to wait till the following week to transfer the funds back to another high paying on line account!
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