...consider playing a little game with Ally Bank’s five-year C.D., which pays 1.73 percent; it charges a penalty that amounts to 60 days’ worth of interest if you withdraw your money before the C.D. matures. This lets you take advantage of a relatively attractive rate with a minimal penalty should rates spike and you want to reinvest your money elsewhere, Mr. Korb said. He figures that plunking your money into Ally’s five-year certificate of deposit, as long as you can keep your money there for about six months, would be a better choice than its one-year C.D., which pays 1.01 percent.

I think I've decided to become a loan shark. My son in law is in the security business so he can do all the asset recovery when it becomes necessary. He has guns.