For the latest Jim Cramer, go to JimCramerPicks.com – We had a huge tax credit for people that bought a home last year. But now housing sales have dropped by 27%. When the jobs all come back, you will wish that you have bought a home. People are now worried about a double dip recession. It is a bad idea to put your money into a CD or into a ten year Treasury. You’ll never get your money back that way. It is a much better idea to own some high yielding stocks and gold.

A bank CD (certificate of deposit) is a way of investing money for a specific duration of time, such as 10, 15 or 20 years. Discover how to find the best CD options by researching banks, withdraw penalties and rival interest rates in this free video from an experienced floor trader on investing. Expert: Mark Griffith Bio: Mark Griffith has graduated in economics and philosophy at Clare College, Cambridge. He has been a futures and options floor trader at LIFFE (London International Financial Futures Exchange). Filmmaker: Paul Volniansky

Price to Earnings Ration (or P/E ratio).

This is a really simple and effective method for saving money. It ties in very well with my previous episode on the Envelope Budgeting System. Very practical, simple, and easy to do.Give it a try!

A CD, which is a certificate of deposit, is a loan from the customer to the bank with the understand that the bank will fully repay the customer at some point in the future including interest. Understand how CDs work, and find a great interest rate, with information from a portfolio manager in this free video on finance. Expert: Roger Groh Bio: Roger Groh is the founder of Groh Asset Management. Filmmaker: Bing Hu