I’ve been too trained to read the fine print on all these offers, and I missed the big bold print on this TD Ameritrade iPod Offer I mentioned yesterday that reads “Open an additional TD AMERITRADE account and receive a FREE Apple® iPod® nano!” So this one will actually work for existing account holder like myself.

You must open with $10,000 and keep it in there for 9 months to get the iPod. Thanks to some research by reader Brandon, one low-risk option is to buy a 9-month CD from Ameritrade paying 5.10% APY. Currently, top 9-month CD yields are at ~5.60%. The 2gb iPod Nano has a retail value of $199. I’d estimate the resale value at about $150 since you will get it ...