for example, the disclosure for a suntrust c.d. linked to the dow runs 35 pages. the pitch is simple: a five year c.d. with a guaranteed 8% return, and the potential for higher returns if the dow does better. but look closely, and you'll see that guaranteed interest rate is not compounded, making the annual rate of return just 1.56%. that's why james deveney of the f.d.i.c. advises consumers do their homework before investing in any index-linked c.d. >> they need to understand the terms and conditions associated with the products, and they need to ask questions and obtain the prospectus or the disclosure statements. >> reporter: a disclosure will show that index-linked c.d.s are illiquid. that means if you need the money before the five year term is up, you may not be able to get it. and even if you can get it out early, it may be less than your original investment. that's far different that a traditional c.d. where early withdrawal penalties come from the interest earned, and don't eat into principal. holders of an index-linked c.d. also have to pay annual taxes

suntrust.g ] ♪ my country ♪ ♪ 'tis of thee ♪ ♪ sweet land ♪ ♪ of liberty ♪ ♪ of thee i sing ♪ [ laughs ] ♪ oh, land ♪ ♪ where my fathers died ♪ ♪ land of the pilgrims' pride ♪ ♪ from every mountainside ♪ ♪ let freedom ring ♪ ♪ ♪ @@ >>> welcome back. tiger woods will make his return to golf this week at the master's tournament in georgia. woods made a rare early appearance at augusta national yesterday getting some practice in on the close course and chatting with other players. he will speak in afternoon in the first back and forth exchange with reporters of this kind since the car wreck in november that led to revelations of his cheating scandal. >>> the major locate season actually got under way last night in baseball up in boston. the red sox beat the yankees in a slugfest 9-7. the yankees were up 5-1 but the red sox rallied and beat the defending world champions. it was the first night opener in the history of the 98-year- olds fenway park. >> off to a lovely start on this monday, had a gre

suntrust would like to applaud our solid financial ways.nly gain more control of your money, you can also earn up to one hundred and fifty dollars. find out more at suntrust.com/solid live solid. bank solid. suntrust. find out more at suntrust.com/solid i'm a fashion stylist. my secret? t.j.maxx. they buy directly from designers and you see the savings! i dress fashionistas. but i'm a maxxinista. t.j.maxx.

suntrust would like to applaud our solid financial ways.ow when you pay your bills online you'll not only gain more control of your money, you can also earn up to one hundred and fifty dollars. find out more at suntrust.com/solid live solid. bank solid. suntrust. bad cholesterol but your good cholesterol and triglycerides are still out of line? then you may not be seeing the whole picture. ask your doctor about trilipix. if you're at high risk of heart disease and taking a statin to lower bad cholesterol, along with diet, adding trilipix can lower fatty triglycerides and raise good cholesterol to help improve all three cholesterol numbers. trilipix has not been shown to prevent heart attacks or stroke more than a statin alone. trilipix is not for everyone, including people with liver, gallbladder, or severe kidney disease, or nursing women. tell your doctor about all the medicines you take and if you are pregnant or may become pregnant. blood tests are needed before and during treatment to check for liver problems. contact your doctor if yo

suntrust would like to applaud our solid financial ways. when you pay your bills online you'll not only gain more control of your money, you can also earn up to one hundred and fifty dollars. find out more at suntrust.com/solid live solid. bank solid. suntrust. >>> welcome back. a scam warning tops this morning's business beat. there have been several reports across the country of a phone cam targeting senior citizens on medicare. caller says they need personal information to under a new medicare card. if the person refuses, somebody posing as a supervisor gets on the line and says that they have to give the information in order to remain on medicare. and then the information is used to steal identities and drain the person's bank account. >>> it was a midday turnaround for the market yesterday an we are just beginning to see what sort of a lasting impact the volcanic eruption may have been around the world. robert gray joins us with our business beat this morning. hopfully, you rechecked your portfolio at the end of the day, not just in th

suntrust would like to applaud our solid financial ways. now when you pay your bills online you'll not only gain more control of your money, you can also earn up to one hundred and fifty dollars. find out more at suntrust.com/solid live solid. bank solid. suntrust. >>> president obama at nationals park yesterday throwing out the first pitch at the nats home opener. ryan zimmerman to catch it. a little bit high and outside. the president said he practiced with his staff before hand but the pitch did get to the catcher which is the important thing. the game, well, the phillies shut out the nats 11-1. not the best outcome for the nats but got off to a great start with the president there. we will talk a little bit later about his choice of headgear as he flew out the first pitch. >> he sticks with his home team but you see he has the nationals sweatshirt i guess what that is >> a jacket. >> i can't see today j i was hoping for a better pitch. >> i was too. i think the pressure was on after last year. >> it doesn't matter. he was there. >> i th

suntrust would like to applaud our solid financial ways.nline you'll not only gain more control of your money, you can also earn up to one hundred and fifty dollars. find out more at suntrust.com/solid live solid. bank solid. suntrust. guys remember, find out more at suntrwe're a solar system. mars is down...and... um, it's only 10am. who hasn't had their jimmy dean breakfast this morning? mmmm! now lets orbit i feel awesome. you're all awesome. jimmy dean breakfast sandwiches, fight the morning fade. >>> welcome back. a college degree can help college students. but young hispanics don't look at college for their future. and raul romero is here with the hispanic scholarship fund. what is the goal of the scholarship fund. >> to have hispanics consider college. we think it is a very good goal and we've been providing hispanics with scholarships to make college a good choice. >> and you ran some numbers, an initiative from the scholarship fund showed about 13% of latinos go on to get a college degree. i found that number so low. how is that co