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Marty AgiusThe only CDs most people buy in December are filled with music and given as gifts, and sales of those are declining.

When it comes to certificates of deposit in December, the picture is definitely not bright; especially these days, when rates are lower than the mercury on a deep mid-winter night.

Does that mean CDs can’t be sold successfully? Not at all. In fact, if marketed correctly CDs can be sold like the proverbial ice to Eskimos. And, if CDs can be sold successfully in the dark days of December, they can certainly be sold with even greater success during the rest of the year.

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