Seven options for a scared senior citizen

Dear Mr. Berko: I'm 66, widowed and retired at 62. I own a one-bedroom condominium with a $24,000 mortgage, have $9,000 in savings and had an income of $41,000. I get $19,000 from a pension and Social Security and $22,000 from a $440,000, 5 percent CD coming due next month. The bank will give me less than ...

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