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Certificates are an important piece of a solid financial portfolio giving you the opportunity to maximize your money with a higher return within a set term. To better understand how certificates work, take a look at a few terms associated with these accounts.

You may have a very idealistic vision of retirement--doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you get from Uncle Sam may not provide enough income for your retirement years.