Posts Tagged ‘savings bonds’

5 Money Savings Tips You Can Benefit from Today

Posted March 27, 2009 by Bernz

When people become concerned about money, their first thought is that they’re simply not making enough at their current job. Well, switching jobs or even getting a significant raise are both tough things to accomplish within a short period of time. So, what can you do if you need more money? The answer is simple, look to you.
moneysave4
Most people are spending hundreds if not thousands of dollars each and every month on things that they do not need or are simply unaware of the money that they’re losing from not keeping track of it properly.

Below are five money-saving tips that you can begin using today to help you save hundreds of dollars or more every month.

Make a budget

Making a budget seems like a simple thing to do, but most people never do it. Simply writing down every single expenditure that you have on a monthly basis as well as writing down every single thing you buy will help you get a fantastic picture of just exactly where your money is going. Simply start crossing off the items that you don’t need and reap the benefits of the savings.

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Posted in Financial Education, Financial Goals, Frugality, Saving Money | No Comments »

Bonds 101

Posted October 28, 2008 by Bernz

Everyone always talks about stocks and bonds, bonds and stock but are bonds really and how do they work? This little article is here to talk about the largest kind of bonds you can invest in.

by Creative Commons

Keep in mind that for the individual investor who is working with capital of less than 1,000,000 dollars the best way to invest in bonds is to buy into a bond mutual fund. The only exception is that if your municipality is doing a bond issue for a project and you want to invest in something specifically then that can be fun and help you rise up the social strata of the city but overall even though bonds are traded frequently over the open market mutual funds are the easiest way to get involved in the bond market.

Bonds also have what are called maturity dates. The maturity date is when the entity that has issued the bond buys the bond back from you for face value plus interest or they will pay you part interest over the life of the bond and the rest at the end or they will pay you all the interest over the life of the bond. In any of these cases bonds are generally not volatile. They are issued usually by government entities.

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Posted in Investing Strategies | No Comments »


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