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<p>[QUOTE=&quot;ChurnDog, post: 906907, member: 24404&quot;]I wouldn&#039;t roll the CD over, and I wouldn&#039;t put it in silver either.&nbsp; Open an online savings account (ING, HSBC, Smartypig, etc).&nbsp; Their rates are comparable to a CD and you can get your money in 2 business days with no penalty.&nbsp; </p><p>&nbsp;</p><p>As others have said, don&#039;t bet your college savings on PMs.&nbsp; If you want to get higher returns, you are going to have to take on more risk.&nbsp; Unless you have a time horizon of more than 5 years, there is no reason you should be taking on more risk.&nbsp; If you want to invest in some silver, just do so with some money you are earning from a side job.[/QUOTE]</p><p><br /></p>

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