Best Answer: CD means Certificate of Deposit and is a way the bank has your money for a fixed period of time, pays interest to you on it and loans it to others.
The differences between an ATV and a UTV become clear with a simple glance at the rider positions: an ATV rider will straddle the vehicle on a saddle, while UTV riders can sit on side by side on bench seats or bucket seats. The steering differs between the two as well.
Photo: Polaris. Once you've decided on an ATV or UTV, an option for many beginners is buying used. Some dealers sell used ATVs and you can also check out local riding clubs or even Craig's List or other online communities. Of course, the problem with a used ATV is the unknown history.