...forget the toaster. Because of your shrewd investment acumen, opt for the Savings Bond.
"Sorry, but many time my bank fuck me!( Italian-napoli's style!!!!!!)"
Trust NO ONE on these boards. NO ONE...do you hear me? I've carefully considered your situation, with the aid of an interpreter, translator, and a multi-talented and versatile part-time bank teller/hooker, and determined that your best, and safest approach, would be to immediately sign over all stocks, bonds, certificates, betting slips, lottery tickets, deeds, and any loose change... to me. My people will contact your people...uh, person, whatever??