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<p>[QUOTE=&quot;V. Kurt Bellman, post: 2155739, member: 71723&quot;]CD&#039;s are a defensive financial product, designed to avoid loss, primarily. Compared to the world&#039;s other low-risk financial investments, however, they are a STEAL! The equivalent in the euro zone carry negative interest rates - you pay THEM to hold your money. I don&#039;t know any more about your life than you&#039;ve told us here, but dude, you need to get your head straight, seriously. Your life is a mess. The dollar is NOT going to crash, for starters. The people peddling that snake oil are con men, pure and simple. CON MEN!!! You need to keep away from the bottle, do whatever you can to get your legal situation clean, (if in PA, stay clean and apply for a pardon, which will take at least 3 years to come up), and concentrate on supporting yourself. Use your liquidity as an emergency fund, and don&#039;t dump it into illiquid precious metals. I WILL give you kudos for looking for the most liquid PM&#039;s but still, the whole category is illiquid, especially when you need to sell right now. Buyers can smell desperation, and will skin you alive.[/QUOTE]</p><p><br /></p>

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