In this situation it is hard to start new business because every person prefers to save his or her money inside the safety place and the winner is certificate of deposit issued by banks. Many banks see this opportunity to increase their third party fund and cheap money strategic for investing in much money. You can see lots of people who understand how bad the stock market will be in the economy crisis. The price of stock is unstable until the world economy condition recovered. As long as we live in crisis, certificate of deposit (CD) is still the most popular one. When you save money on CD, you can choose between interest separated and interest joins in with initial money. In any choice, you should understand that you must not pass the limit of $100,000, the level when you will get the fdic insurance for your money saved in bank. If you think you need medical and health insurance then you can apply added medicare insurance inside your saving account. There are so many banks which offer interesting certificate of deposit with high rate. Before you decide which one you want to choose then compare the cd rates of all choices. We don’t see reverse mortgage anymore in crisis.