Talk:Certificate of deposit

message: There's no mention of the history of the CD.  When did they emerge, and why?  —Preceding unsigned comment added by 76.226.15.55 (talk) 01:20, 14 May 2009 (UTC)
thread_title: History

message: Is it or isn't it? This section says, "CD [Certificate of Deposite] interest rates closely track inflation." but then says that comment isn't necessarily true. If it isn't true, why is it stated as a fact above? 165.206.43.5 (talk)  —Preceding undated comment was added at 14:14, 28 October 2008 (UTC)
thread_title: Criticism

message: The "bankcd.con" site actually charges $7.95 to provide information on bank interest rates. The same information is available free at bankrate.com. Page edited to reflect this.
*Restored BankCD link.  Although site charges to disclose which banks, rates are free to see.  And I have checked and rates seem to be better than Bankrate's.  It seems to me that BankCD does a better job in checking best rates.  I think the users should decide by themselves which to chose.--AAAAA 02:09, 5 May 2005 (UTC)
thread_title: Bankcd.com

message: Does anyone have information on Callable CDs that they could add to this article?--Adam (talk) 19:44, 10 February 2006 (UTC)
thread_title: Callable

message: BankRate.com has become the industry standard for free rate information, but they do not exist out of the goodness of their hearts.  However, since they have climbed to the top of the industry their link might as well stay.  All of the other sites are basically affliate based sites trying to cash in on advertisng or PPC.  We have a site that has plenty of useful information and no ads.  But we charge for our placement services.  I will not post our link because it would be considered spam.  I feel the same about the other sites that had links--Cdduncan 17:44, 18 April 2006 (UTC)
thread_title: Removing Links

message: I've removed the Terms and conditions section because it is a how to.  See WP:NOT.  There is potential here for it to be part of an article.  But no where near in its current form... —Cliffb 16:28, 17 October 2007 (UTC)
thread_title:  Old Terms and conditions section 

message: Some mention needs to be made in the Other Similar Products of Negotiable vs Non-Negotiable CD's and Electronic CD's.
Also this page to too US based. In Australia for instance there is no insurance on CD's, and they are generally used as a money market alternative to Bank Bills and Commercial Paper (although I think they rank above both in the event the issuing institution becomes insolvent.  —Preceding unsigned comment added by 121.223.233.17 (talk) 11:08, 7 July 2008 (UTC)
thread_title:  Other Similar Products 

message: free ads for Wells Fargo and bank CD dot com. It is clear that this article was written in large part by some 2 bit financial advisor that works for a specific company (one of the above 2 more than likely) Many parts of the article read like financial advice, and are not encyclopedic. (i.e. "Be careful") 72.221.123.245 (talk) 03:31, 14 December 2008 (UTC)
thread_title:  Free Advertising! 

message: The article states that CDs are US specific. I am reading Economics (E6) by McTaggart, Findlay and Parkin, and it shows a representation of money on page 507 where CDs account for $189 billion of all money in Australia. Have not made an edit yet.  — Preceding unsigned comment added by 122.107.236.88 (talk) 00:38, 26 September 2011 (UTC)
thread_title:  Are CDs specific to the United States? 

message: I've removed the following section and brought it here:
:CD's were introduced by Banks as their one of the major motives was to face competition and to sustain with the number of shares of the financial market and also because CD's showed some advantage over the time deposits. In short, for the financial intermediaries and for the secutrity purposes, the CDs came into existence. 
:The major attraction for CD's in UK was that the Depositers could be easily influenced to put their savings into the banks for a longer term deposit if it was covered by a negotiable market, whereas, in case of Term Deposits,if a depositer wants to withdraw its money before maturity date, there are several number of penalties levied on him.
 
:In US, around 1960s,it was being accurately noticed by the Commercial Banks that Demand of funds from was the Banks was not coming into equation with the Supply side of the funds which was being pumped in by the Depositing customers and hence,Large banks were getting into pressure due to the losses from the Demand side being faced by them.Seeing such losses, the depositers started to move out their funds and transferred it to Treasury Bills, Commercial Paper and other such money market instruments.At the end, it was found that the aggregrate growth rate of the Non- banking financial institutions was ahead to the aggregate growth rate of the Banking financial institutions.Therefore,In 1961,banks came up with the Negotiable Certificates of Deposits(NCD's)and,hence, the banks were able to get restored the supply side of the corporate funds back into the scenario.
 
:CD's are the reflecting changes int he management of the Liquid cash and thus have enabled the banks to
;# Avoid the storage of liquid money for long period of time
:# meet the Loan-demand of the borrowers by raising substantial amount of funds 
:# make long term deposits instead of the short term one
It is certainly a good faith addition and is worth including, but unfortunately it needs copyediting, I don't have access to the sources, though, and don't know the topic well enough to make a shot at it without them, so I'm hoping someone here is in a position to take care of it and add it back. - Bilby (talk) 20:45, 31 October 2011 (UTC)
thread_title:  CD's : A competition 

message: First the title of that section should probably be modified, but that will be for another day.  I am adding a couple of references that have occurred recently where banks and credit unions have been modifying their early withdrawal penalties retroactively and even the CD term itself.  A big part of the problem is many banks have begun to use Bankers System software and often the disclosures are way too vague.  If a disclosure becomes part of a dispute and the bank won't resolve it on their own, it takes a lawsuit.  I will have some info posted later to back this up.  But basically, the FDIC only insures deposits, they don't work to resolve disclosure issues which then becomes a contract dispute.Chriscd2 (talk) 19:57, 18 November 2011 (UTC)
thread_title:  CD Refinance Section 

message: * The intro needs cleanup. 169.199.121.17 (talk) 22:30, 17 October 2013 (UTC)
thread_title:  Cleanup 

message: Prior content in this article duplicated one or more previously published sources. The material was copied from: http://www.quickanddirtytips.com/money-finance/investing/what-is-a-cd-and-what%E2%80%99s-the-best-way-to-invest-with-them. Copied or closely paraphrased material has been rewritten or removed and must not be restored, unless it is duly released under a compatible license. (For more information, please see "using copyrighted works from others" if you are not the copyright holder of this material, or "donating copyrighted materials" if you are.) For legal reasons, we cannot accept copyrighted text or images borrowed from other web sites or published material; such additions will be deleted. Contributors may use copyrighted publications as a source of information, and according to fair use may copy sentences and phrases, provided they are included in quotation marks and referenced properly. The material may also be rewritten, but only if it does not infringe on the copyright of the original or plagiarize from that source. Therefore such paraphrased portions must provide their source. Please see our guideline on non-free text for how to properly implement limited quotations of copyrighted text. Wikipedia takes copyright violations very seriously, and persistent violators will be blocked from editing. While we appreciate contributions, we must require all contributors to understand and comply with these policies. Thank you.  bd_ (talk) 05:43, 20 September 2014 (UTC)
thread_title:  Copyright problem removed 

message: I'm a finance markets professional. This article contains several errors, does not adequately cover the historical development of CDs, and appears to have been written by someone with no understanding of how the market for CDs works. This article should be re-written. Thank you.  — Preceding unsigned comment added by 212.38.75.55 (talk) 08:16, 26 June 2015 (UTC)
thread_title:  Comment 

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thread_title:  External links modified 

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thread_title:  External links modified 

message: The article says that for a five-year CD, the early withdrawal penalty "is often the loss of up to twelve months' interest". Does that mean that it might be six months interest, or nine, or maybe even twelve (independent of when the withdrawal is made)? Or does it mean that you lose the interest up to the time of the withdrawal, but not more than twelve months worth? Can someone clarify this? Maybe ? Eric Kvaalen (talk) 05:45, 20 April 2018 (UTC)
thread_title: Penalty

message: :CDs are issued in denomination of 1 lakh.
"1 lakh" seems oddly India-specific. Is this even true?
Sharpie951 (talk) 12:46, 6 March 2019 (UTC)
thread_title: Lakh?

message: :"But longer notes are locked in their rate. This gave rise to amusing nicknames for CDs."
No mention of or reference to what these "amusing nicknames" were? Then why mention them?  — Preceding unsigned comment added by Beetfarm Louie (talk • contribs) 22:48, 18 June 2019 (UTC)
thread_title:  "Nicknames"?