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US Savings Bonds - YouTube
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u.s. savings bonds by WWF portable
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investing tips calm US savings bonds are
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often thought of as a poor-man's route
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to savings many aggressive investors and
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traders scoff at the idea of buying US
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savings bonds every payday and holding
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them for as long as 30 years however
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there are a number of advantages to
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buying and holding US savings bonds as
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with all investment opportunities
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a little fundamental analysis of the
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subject is useful so before comparing US
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savings bonds to dividend stocks US
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Treasuries or municipal bonds let us
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look at a few specifics about US savings
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bonds u.s. savings bonds these bonds are
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available in series EE and series one
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electronic series EE bonds are purchased
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via a Treasury direct account for face
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value and paper series EE bonds are
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purchased at their face value one earns
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a fixed rate of interest for the 30 year
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term of the bond the Treasury guarantees
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that the bonds will double at face value
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in 20 years series 1 bonds sell at face
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value at interest rates guaranteed to
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exceed that of inflation these bonds are
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not tradable the maturity periods can
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vary for example if you buy a bond with
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a value of $50 for $25 you have to wait
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at least 17 years to get back your
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investment from the government US
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savings bonds are exempt from state and
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local taxes federal tax is deferred
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until the bond is cashed in interest may
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be tax exempt if you can document that
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interest was used to pay qualified
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higher education expenses and provide
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that your income falls within federal
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guidelines for this benefit as with many
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long term investments you will commonly
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cash in US savings bonds when you are
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retired and when your tax rate is low
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the savings bonds pay interest twice a
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year and are redeemed at par value at
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maturity savings bonds come in eight
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values $50 $75 $100 $200 $500 $1,000
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$5,000 and $10,000
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why purchase US savings bonds there are
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certainly lots of investments that can
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make a lot more money over the years
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than US savings bonds and there are lots
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of investments that can disappear in a
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puff of smoke during an economic
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turndown u.s. savings bonds are like
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money in the bank a good rule of thumb
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for investing is to first pay off credit
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card debt invest in your home and put
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six months of savings away for
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emergencies think of US savings bonds in
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this context u.s. savings bonds versus
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municipal bonds like municipal bonds
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u.s. savings bonds are free of state and
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local taxes unlike municipal bonds u.s.
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savings bonds are less likely to default
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than when cities like Detroit declare
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bankruptcy u.s. savings bonds versus
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dividend stocks dividend stocks are a
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common way to balance the risk in an
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aggressive stock portfolio however even
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large cap stocks can fall in price or
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fall out of favour when the markets are
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falling US savings bonds still maintain
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their value and pay interest buying US
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savings bonds bonds are purchased with a
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Treasury direct account for such an
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account you need a social security
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number a driver's license a checking or
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savings account and an email address
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according to the US Treasury site
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minimum purchase $25 maximum purchase
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$30,000 per person per year
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her interest 90% of six months average
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of five year Treasury Security yields
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added monthly and paid when the bond is
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cashed minimum term of ownership twelve
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months early redemption penalty for fit
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three most recent months interest if
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cashed before five years for more
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insights and useful information about
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investments and investing visit w-w-w
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tips com
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