Since these are real user comments, they could be very helpful for you in deciding the best CD products. Most people look at banks when they decide to invest in CDs and hence their search for high CD rates is confined to the banking institutions. However, you need to remember that the banks are not the only providers of CDs. This will not only enable you to build up a great little nest egg but you will also benefit from getting into the habit of saving and investing money. While in college funds may be tight but the self discipline of providing for yourself in the future will be great way to learn the skills that you will also need in building your career. So before committing yourself to going with a particular organization ensure you do your homework. Check around and see how they have done for other people if you can. Make some calls to your state consumer affairs bureau and also the Better Business Bureau to see if there have been any problems in the past. Starting with those three days of trading the market fell for a full month and began the Great Depression which took a little over 25 years for the United States to recover from. In fact it was November of 1954 before share prices reached the level they were at on that first day of the crash. So what caused such an economic disaster? Whatever type of investment you decide on ensure that it suits your personality in terms of risk. If you hate anything risky then ultra high risk bond markets are definitely not for you! Go for something that will get you the returns you are after but which also let you sleep at night. The next point we need to look at is whether you will be making your own decisions on where to invest or getting a professional in to do the job for you. We also cannot deny the fact that there are some people with malicious intents on the Internet who are using this route to make a quick buck. They may stoop to the level of building sham websites that look like online banking websites and get people to make their accounts on them and make deposits. However, the main point is that online savings accounts are here to say.