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laddering cds. take a pool of money you want to spend and invest some of it in a one-year cd, two-year, four year. it s almost like dollar cost averaging for cds. each year you have return income coming in that you can then reinvest in another cd. if they re sticking with that, stick with the conservative i vestment plan, that s one i would do. great. thanks so much for being here. helping us out today. the help desk is all about getting you answers. send us an e-mail to cnnhelpdesk@cnn.com. we might have the answer to your question next week. you with pick up the latest issue of money magmagazine. it s a tax season scam that earns millions of dollars for jail birds. one of the main guys at one point is telling one of his cohorts that he s not going to do white collar street crime anymore because uncle sam is taking good care of him. wow. many bogus returns in the newsroom. ppppppppppppppppppppp

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