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Welcome to another retirement note. A service of GuaranteeMyMoney.com, were you learn more and earn more. (Music Playing) Retirement note number one, CDs or Certificates of Deposit, here are the Pros and Cons. CDs or Certificates of Deposits are a popular form of investment due to the fact that it appears guaranteed, safe and relatively flexible. CDs are usually a form of a bond that is purchased in varying amounts and with varying maturity dates. CD rates usually have interest rates that can vary in fluctuate. Certificates of Deposits for higher amounts will have higher yields than one that has a lover yield or a shorter term of course. Certificates or Deposits also fluctuate from bank to bank and from year to year depending of course on competitive environment and the economic…