Regan: I get fed constant ads about a variety of different high yield savings accounts. But do they look like the cover of Bloomberg Business Week, which is the number four flexing with a six pack? It's very weird. They look way less cool and way more sketchy, which is why I'm concerned about me and my friends getting scammed by non FDIC insured high yield savings account. Do you have any advice for us? Regan: You got to do your research. Some accounts require minimum balance, some dull. If you're talking about a CD, we're what they call a time deposit, you might have to lock up your money for a year or two

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