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Aero u can shop around for a cd...diff banks give diff interest %'ages..also time spent vesting plays a part..but if u do the research n can let the money sit, its the safest investment u can make...given the banks floor dont fall out from under them...but still all that shts fica insured, so the gov't (feds) will reimburse...so yeah.
Return is not huge, but safe...low risk. Its really just a matter of not touching the money, or having enough money to not touch the cd...n finding the right bank.
n i dont think gow is loansharking, i could b wrong tho (lol,) but more so like a silent partner, possibly. @
God Of War