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But with CDs, all things usually aren’t equal. CDs require you to deposit your money for a specified time to receive the full rate of return. The length of the CD’s term can be as important as its APY when you’re weighing bank CD rates. In general, the longer the term, the higher the rate of return.

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Jacob Passy is a personal-finance reporter for MarketWatch and is based in New York. Join the conversation.

 · Although there are many avenues you can take to earn $1 million, here’s one that might surprise you: cashing in on your geeky collectibles. It sounds a little far-fetched, but some collectibles have made their owners big bucks at auctions.. Of course, how much your geeky collectibles are worth can be subjective and might depend on a variety of factors like condition, rarity, age and demand.

 · So, I was thinking of moving some of my 401k assets into bonds — Fidelity, my 401k plan, offers like 4 bond investments. I understand you can’t "forecast" when a crash will happen, but I am curious if moving monies into bond investments ( 401k ) would save them and possible generate some positiveness if stocks crash. I always thought bonds increase in value as stocks dive / vice versa.