Re: Orange CD?
My recollection with the orange CD is that their early bail out fees were higher than the "good" cd's...I think you have to forgo half the interest?
Check the terms and conditions and compare them to pentagon federal or digital credit union...both of them charge minimal bail out fees.
If you still want to go with ing, break up the cd's into the smallest $ increment possible, so if you need to yank some dough you only have to break a single small cd.
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.