Specific Purpose: To inform my audience of the different types of ways they can invest their money.

Thesis Statement: Today I want to discuss with you a new way of investing your money- a CD- and what it takes from you and your Financial Institution to establish one.

Attention Material: How many of you have a savings account? I bet none of you are earning more then 2% at the most.

Thesis Statement: Today I want to discuss with you a new way of investing your money- a Certificate of Deposit (CD)- and what it takes from you and your Financial Institution to establish one.

Preview: Many of you are unaware of the different types of savings accounts that are available to you today. You as a consumer need to be aware of the advantages a CD has compared to a standard savings account, how to go about setting up a CD, and the processes a Financial Institution has to go through to start up a new investment.

Transition: Let's begin by understanding what a Certificate of Deposit is.

First Main Point: A CD is a savings account that allows you to save money for a shorter period of time

Summary Statement: A Certificate of Deposit is a great introduction to one's first financial investment. The key to understanding any type of an account is to be aware of the advantages and disadvantages, know how to go about processing a account, and of what all your Financial Institution has to go through to set you up with one.

Transition: Finally, let's look at the most important part of your CD the establishing process.

Sub-Sub points: The reason why we have so many people checking other peoples work is because on mistake can throw the whole bank out of balance.

, while earning a higher interest rate.

Sub Point B: You will then fill out and sign several document that will then be sent to the IRS for tax purposes.

Sub Point C: Once you've selected your term, maturity, and how you want to receive your interest your CSR will give you a copy of your CD and inform you of when you will receive your first notice.

Sub- Sub points: When a CD accrues we at the bank multiply your interest rate by your principle for each day. A saving account on the other hand may only accrue interest monthly.

Some common words found in the essay are:
Financial Institution, Sub Accounting, Sub- Sub, Certificate Deposit, Main CD, Service Representative, Sub Unlike, Sub CD, Thesis Statement, Concluding Remarks, sub- sub, financial institution, savings account, certificate deposit, type account, setting cd, cd- takes financial, investing money-, cd- takes, takes financial, standard savings account, institution establish, takes financial institution, statement discuss investing, discuss investing money-,
Approximate Word count = 786
Approximate Pages = 3 (250 words per page double spaced)