The industry takes in only half the revenue it did at its peak.

I have some money that I would like to place in a certificate of deposit to improve my return. Most of the U.S. banks I've looked at are offering 1.00% or less. However, some international banks — most notably, Indian banks — are offering around 9.00%. Is there a reason not to invest my money in an overseas institution when the payback looks so much better? Mark, Portland, OR

In the two years I've had my car, I've loaded a CD into the stereo player maybe twice. It's not that I don't listen to music. I do — a lot. Rather…