u/Working_Tumbleweed96

I've had many CDs over the years, at Bank of America and elsewhere.

Here are a few pet peeves/annoyances I have about information provided to BofA clients regarding their existing CDs.

1. CD information no longer included in combined monthly statements. Throughout the '90s, '00s and '10s my combined monthly deposit account statements included summary information about my linked CDs, including balances, interest payments, and maturity date. That's no longer offered. I've asked BofA bankers and nobody knows why. I thought this was the whole point of the "relationship banking" concept.

2. Extremely limited CD information available in Online Banking and on the BofA App. Again, up until about 5 years ago, detailed information about your existing linked CDs would appear in Online Banking and on the App. "Detailed" includes basics such as most recent interest payments, YTD interest, and maturity date. Why is it beneficial to strip out basic information which for years was a big selling point for online banking?

3. No more options for monthly payout of CD interest income. Again, up until about 5 years ago, BofA like most banks offered CD investors the option of having the monthly interest earnings paid out to a linked checking or savings account, or even paid out as a mailed check. Why exactly was this stripped away? My parents in particular have structured their finances with a brokerage to receive a monthly payout of earned dividends and interest directly into their BofA checking account. For decades this was a standard option with BofA CDs, particularly as some retired people want to live off of the interest earnings (having it locked for a few months in a CD but living off interest is a money-management strategy for many).

I don't know who makes these decisions, or why. One other thing I might mention although it's something BofA has offered in many years is the ability to "opt-out" of CD automatic renewal. At CD opening, the deposit can elect for full disbursement of proceeds at maturity, either deposited into a linked checking or savings account or mailed to the depositor. Why not, BofA? After all, the legal name for this product is "Time Deposit". You can build better relationships and more trust with your "relationship banking" clients by giving them options like this. It shows respect for your depositor, particularly if they don't respond quickly enough during the "grace period" under automatic renewal.

I've used a Yamaha R-S201 receiver for two years in my secondary audio setup in the living room, coupled with Boston Acoustics A70 Series II speakers and an antique ADC CD-X100 CD player. Occasionally I'll connect a spare smartphone for playing streaming music. I am pleased with this basic stereo receiver including the occasional listening to compressed FM radio. I've spent a lot of money getting vintage audio gear fixed, it's a relief to just listen to the music. What are your concerns about this receiver, other than the absence of a phono stage or an internal DAC?

Often, we get product returns from a third-party Target+ seller. The guests often aren't aware that the product isn't actually sold by Target. Guests get upset at the short 30-day return periods and restrictive policies of Target+ sellers. These guests have a good point. Our web site does not explicitly advise buyers during checkout (in bold print at normal size) that the Target+ sellers have different return policies than Target itself. This hurts Target's brand reputation.