Rates are achangin!
I had three CDs mature yesterday and by default they moved into a 4.25% savings account. That rate changes ---and has been falling.
I have been watching interest rates knowing these CDs were soon to mature. This morning I found the best rates at Western Alliance and CIBC, which is Canadian. However, the process of opening new accounts at a new bank is cumbersome and I settled for 4.40% for 11 months from Capital One. That is down from the 12 month maturity CDs which were at 5.5%
The point is---if you are delaying moving money into CDs---don't the rates are going south 
"A pessimist sees the difficulty in every opportunity, an optimist sees the opportunity in every difficulty” ---Sir Winston Churchill
"Political extremism involves two prime ingredients: an excessively simple diagnosis of the world's ills, and a conviction that there are identifiable villains back of it all." ---John W. Gardner
“You can’t go back and change the beginning, but you can start where you are and change the ending.” ---C. S. Lewis
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