Answer in complete sentences. Tom has been a customer of the same bank for two years and his income can change from month to month. After paying bills, Tom places $250 a month in a two-year CD. He notices that last year twice he withdrew $250 from his CD early to pay monthly bills. His bank charges a penalty for an early CD withdrawal. His bank requires minimums of $50 for regular savings accounts, $750 for money markets, and $1,000 for CDs. What would be the best strategy he could use to eliminate his penalties? Use complete sentences. ALL GIVE