The US Treasury produces two types of savings bonds: Series EE and Series I. Series EE bonds, sometimes called Patriot Bonds after 2001, differ from Series I because they are guaranteed to double in value after 20 years. They are meant to be a long-term, low-risk investment and are available in any amount from $25 to $10,000. They are granted in 30-year terms, but can be cashed in at
Here in the USA, we pay a great deal for health insurance, and we all want our insurance providers to cover the maximum amount of services that we are entitled to. However, it is important for those seeking couples therapy to understand what their insurance actually covers, and what it does not. Will your insurance pay for marriage counseling? The question is a good one, and this
It's convenient to record your checking account activity with an electronic check register you create using Microsoft Excel. You can customize your check register to categorize expenses so you can keep track of where your money goes, and create a formula that keeps a running balance of how much money is in your account. Not only is this a useful project, but it is also simple enough
Understanding your personal finances can be very overwhelming, particularly if you’re just starting out. It is tough to know how best to handle your money, how to go about paying off debt, and where and when to invest. By following some basic steps for doing these things, as well as saving for emergencies and retirement and insuring the assets you’ve worked hard to obtain, you can begin
Governments, corporations and other entities sometimes issue bonds to raise money for capital projects or public activities. It's a loan made by an investor to the issuer of the bond. The price paid (the amount loaned) is called the bond's face (or "par") value. The investor is paid interest, typically twice a year, that's called the bond's coupon rate. At the end of a pre-determined
Life insurance is part of estate planning. If you have loved ones who depend upon you financially, you need life insurance. A life insurance policy allows your beneficiaries to cover their living expenses after your death. Depending on the size of the benefit you want to provide and the amount you can afford to pay on premiums, you can choose from several different types of life
Retiring with security requires planning. The earlier you start preparing, the easier it becomes. Spend some time making a financial plan, budgeting for retirement, and considering other factors regarding leaving the workforce.
Retirement planning is not something most people look forward to, but it is a necessary fact of life. If you don't want to work during your retirement years, you need to ensure that you have enough retirement savings to last, and that takes careful planning. By determining how you will need to save for retirement, you'll be able to set your goals and not worry about the future.
If the world of investment is new to you, or if a financial planner is out of your budget, there is no need to panic. A robo advisor can be an easy-to-use, cheap alternative to traditional financial planners. A robo advisor is a computer generated financial advising system that manages your investments for you. There are different types of advisors to choose from depending on factors
If you're dissatisfied with your current broker, you might have thought about opening an account with another broker who has lower fees or better customer service. At the same time, it might seem like a hassle to transfer your investments from your old stockbroker to your new one. However, with most investments, you can do a simple in-kind transfer and move all of your assets at once.
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