Savings Bond Advisor - Fifth Edition on Amazon™

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Savings Bond Advisor - Fifth Edition

Regular Price: $24.95 |

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ISBN13: 9780976064534
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Customer Review

The definitive source of Savings Bond information
If 5 is perfection, this book earns a strong 4.9. It's about as close to a complete source of information about U.S. Savings Bonds as you'll ever find, whether you're a an individual saver, or a financial services professional.I'm a Certified Financial Planner, and a member of the Alliance of Cambridge advisors, an organization of fee-only financial advisors, whose founder, Bert Whitehead (author of Facing Financial Dysfunction,) has always recommended that clients consider using savings bonds as a portion of a well-diversified portfolio. These often overlooked securities have attractive features and attributes that, when understood, should appeal to most savers and investors. Never invest without understanding. If you want to understand savings bonds, buy, and read this book. That's my advice.Philip M. Watson, CFP,M.S.Franklin, TN.
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November 28, 2004 (Franklin, TN.) | Helpful Votes: 11 | Rating: 5

Learned How Much I DIdn't Know
I already owned both some I-Bonds and some series EE bonds when I read this book, so I didn't really expect to learn anything. Instead, I learned how much I didn't know. For starters, I didn't know that some bonds only accrue interest on a 6 month cycle, and cashing them just a day too early can could cost me a half year's interest. I didn't know that I-Bonds bought through Treasury Direct online can be partially cashed. I would have taken the whole amount when I needed any of it out of pure ignorance. Get this book and learn the facts the bankers don't know and that the treasury does a poor job explaining.I should add that thanks to Tom's website, the book never goes out of date: http://www.savings-bonds-alert.com
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February 26, 2005 (Springfield, MA United States) | Helpful Votes: 10 | Rating: 5

An Excellent Resource for Any Savings Bond Owner
My family purchased many bonds through work for 10 years, and Mr. Adams' book was essential in helping us understand the details of bond ownership. The book covers a wide range of topics, including a comparison of I bonds and E bonds, important tax information, strategies for cashing bonds, and many other relevant topics. Additionally, if you buy the book, you can send Mr. Adams questions on his website. This book is a definite must for any owner of US Savings Bonds!
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August 29, 2008 (Minneapolis, MN USA) | Helpful Votes: 4 | Rating: 5

Product Description

Savings Bond Advisor will introduce you to the Cinderella of investments, the U.S. Savings Bond. Financial pundits have neglected the Savings Bond for a generation. Meanwhile, millions of Americans have invested significant portions of their money in Savings Bonds. Savings Bonds have been dressing for the ball since the U.S. Treasury introduced the inflation-protected Series I Bond and online accounts at Treasury Direct. After a weekend reading Savings Bond Advisor, you'll understand how Savings Bonds work, how to open an account at Treasury Direct, the history of inflation, and why the Series I Savings Bond - which protects you from the risk of default, the risk of inflation, the risk of capital loss, and comes with tax advantages - should be the foundation of your savings and investment holdings. Everyone should have a part of their investment portfolio in readily-available emergency funds. I bonds are an easy choice for this low-risk portion of your investment portfolio. If you already have an investment in Savings Bonds, you'll learn investment strategies that will increase the value of your holdings, estate planning strategies that will save your family money, and tax strategies that will help you avoid the Stinker Bond Penalty, the Double-Taxation Trap, the Deferred-Tax Time Bomb, and hidden interest-rate penalties. You'll also find out that some older Savings Bonds are a bad choice for almost every investor and what to do if you own one. The book includes access to a web site, www.savings-bond-advisor.com, that has the latest information about Savings Bond interest rates and program changes, as well as links to the forms you need to settle estates, replace lost bonds, update bond registrations, and receive the Savings Bond college education tax-deduction. Tom Adams, the author of Savings Bond Advisor, also answers questions from the book's readers on the web site. Top to learn more

Bonds: The Unbeaten Path to Secure Investment Growth (Bloomberg)

Regular Price: $29.95 |

Customer Review

Kevin O'Reilly, New York City
If you invest at all, you should own this book. It is a comprehensive reference book on bonds that tells you everything you need to know about them and more. It is well written and easy to understand. The authors are indeed experts who do not dazzle you with jargon. They make a compelling case that one need not "diversify" one's portfolio to have steady reliable income in all financial conditions and that a carefully constructed bond portfolio can produce reliable income and growth without all the angst normally associated with investing. If you know other good investments, fine, but it is unlikely that you will have more secure investments and this book should convince you to at least put some of your assets into bonds.
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October 26, 2011 (Bronx, NY United States) | Helpful Votes: 8 | Rating: 5

A Must-Have Book!
Want to get about as close as you possibly can to risk-free investing and improve you cash flow? Study Bonds- The Unbeaten Path to Secure Investment Growth. It is loaded with everything you need to know about investing in bonds and how to use them in your financial plan. The authors are savvy, current and up-to-date and present their information in a visual, easy-to-read way that is very helpful. Their investment advice will help you sleep at night!
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October 10, 2011 (New York, NY United States) | Helpful Votes: 6 | Rating: 5

Bonds: The Unbeaten Path to Secure Investment Growth
Excellent! The authors use the word "heresy" when challenging the long held notion that diversity (i.e. multiple asset classes) is not the key to success. Well heretic that I am I took the advice from their first edition and here I am so much better off than my investment cronies -- entrenched in their thinking of diversification with equities at the core. This book has nicely updated the condition in the financial world over the last four years. I love how they've put bond funds in their proper place as "quasi-equities". Also, the case study in Chapter 3 brings in practical insight. Nice work!
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October 8, 2011 (New Jersey, USA) | Helpful Votes: 5 | Rating: 5

Product Description

Updated edition of the established classic on investing in bonds

In Bonds: The Unbeaten Path to Secure Investment Growth, Second Edition, the fully revised and updated edition of the classic guide to demystifying the bonds market, veteran investor husband and wife team Hildy and Stan Richelson expose the myth of stocks' superior investment returns and propose an all-bond portfolio as a sure-footed strategy that will ensure positive returns. Designed to educate novice and sophisticated investors alike, as well as to serve as a tool for financial advisers, the book explains why and when bonds can be the right choice. Case studies, detailed bond strategies, and a financial planning overview bring home the value of bonds in achieving financial goals.

Presenting a broad spectrum of bond-investment options, and describing how to purchase bonds at the best prices, the book shows how to make real money by investing in bonds. The strategies presented here are designed to help the reader determine how to use bonds to take control of their own financial destiny.

New edition includes information on corporate bonds, emerging market bonds, municipal bonds, the new global ratings, and how to protect against municipal defaults
Looks at how bond portfolios protected against market volatility in the 2007-2008 crash and how they can do the same in the future
Includes information on how the bond market has changed
The wealthiest investors and financial advisers use the bond strategies outlined in this book to maximize the return on their portfolios while providing security of principal

With more bond options available than ever before, Bonds continues to be a must-have for anyone looking to understand the investment opportunities available to them. Top to learn more

BUY Bonds: The Unbeaten Path to Secure Investment Growth (Bloomberg)

Queens and Kings of America

Price with discount: $1.99 |

BUY Queens and Kings of America

Savings Bonds: When to Hold, When to Fold and Everything In-Between

Regular Price: $19.95 |

Customer Review

Excellent tool for understanding & using US Savings Bonds
This book contains more in-depth information than theinformation available from government publications or the website. Use that information and thatwebsite, but also get this book. I use the free downloadable SavingsBond Wizard from the government website, and also set up an Excelspreadsheet to keep up bond statements as outlined in this book--whichis a more effective statement to aid decision-making. Some of theissues covered in this book: don't trust your bank to know whatthey're doing / understanding interest rates / timing issues re:redemption and maturity / organizing your bonds and keeping records /recovering lost bonds / tracking your investment (using the wizardand/or a statement you develop yourself or purchase from a service) /deciding to hold or fold -- evaluating performance of your bonds /comparing savings bonds to other investment options / taxation issuesinluding estate/gift/inheritance tax issues / using savings bonds forretirement / exchanging for HH...
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December 17, 2000 (Florida, USA) | Helpful Votes: 14 | Rating: 5

Savings Bonds When to Hold When to Fold them
This is a completly thorough book on every type of US Savings Bonds with good advice on how to purchase them, when to purchase them, and when to redeem them as well as how to redeem them. It has good structural content, with easy to follow guidelines. It also contains addresses to send to for more information. Like any book in this field, by the time an author has it published, it has some obsolete material, but I must say I still found it very useful. The reason for my most current purchase is that I have purchesed two other copies and have given them each away as gifts.
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June 16, 2000 | Helpful Votes: 14 | Rating: 4

BUY Savings Bonds: When to Hold, When to Fold and Everything In-Between

Compucessory Products - 10-Digit Financial Calculator, 5"x3-1/8"x5/8", Silver - Sold as 1 EA - 10-digit financial calculator is ideal for business, financial, statistical and time/data management. More than 120 built-in functions include TVM (loans and savings); amortization; bond price and yield to maturity; SL, DB, SOYD depreciation methods; register-based cash flow analysis NPV, IRR; memory for 20 cash flows; percent change and percent of total. Statistical functions include: standard deviati

Regular Price: ~~$79.99~~ | Price with discount: $9.77 | You Save: $70.22 (88%)

Product Details

Total percentage of recycled content: 0
Sold as 1 EA
Post Consumer Waste: 0
Country of origin: CN
Manufacturer: Compucessory

Dear visitor! This website has been designed to help you find THE BEST PRICE. When you are ready to buy, your payment will be processed through one of the most TRUSTED SUPPLIERS directly.
Thank you for shopping with us!

Customer Review

Product Description

Compucessory Products - 10-Digit Financial Calculator, 5"x3-1/8"x5/8", Silver - Sold as 1 EA

10-digit financial calculator is ideal for business, financial, statistical and time/data management. More than 120 built-in functions include TVM (loans and savings); amortization; bond price and yield to maturity; SL, DB, SOYD depreciation methods; register-based cash flow analysis NPV, IRR; memory for 20 cash flows; percent change and percent of total. Statistical functions include: standard deviation; mean; weighted mean; linear regression; forecasting; correlation coefficient; cumulative statistical analysis; total sigma; x; x 2; sigma y; y2; sigma xy; and logarithms. Calculator also features auto shutoff, date arithmetic and keystroke programming up to 99 steps. Calculator runs on a Maxell CR2032 battery.

Sold as 1 EA

Manufacturer: Compucessory

Total percentage of recycled content: 0

Post Consumer Waste: 0

Country of origin: CN

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Value of Money Calculator
This item was received in excellent condition. I have only had a chance to give it a cursory glance and will not be able use it regularly until I get back overseas next month.
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August 24, 2011 | Helpful Votes: 0 | Rating: 4

BUY Compucessory Products - 10-Digit Financial Calculator, 5"x3-1/8"x5/8", Silver - Sold as 1 EA - 10-digit financial calculator is ideal for business, financial, statistical and time/data management. More than 120 built-in functions include TVM (loans and savings); amortization; bond price and yield to maturity; SL, DB, SOYD depreciation methods; register-based cash flow analysis NPV, IRR; memory for 20 cash flows; percent change and percent of total. Statistical functions include: standard deviati

#1320 - 1966 5c Savings Bond - Servicemen U. S. Postage Stamp Plate Block (4)

Price with discount: $0.01 |

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U.S. Postage Stamps
Full numbered plate block of four stamps

Product Description

Commemorates the 25th anniversary of the Savings Bond Program and honors the servicemen fighting the wars the bonds are designed to support. Top to learn more

BUY #1320 - 1966 5c Savings Bond - Servicemen U. S. Postage Stamp Plate Block (4)

Where Can I buy Savings Bonds

If this money is intended for your daughter 20 years from now, a CD or a savings bond is really not the place to put it down, put $ 1,000 into a CD today will yield about 3%, meaning it will grow to only $ 2,000 over 20 years. If you put it in a growth mutual fund instead, Although the return might fluctuate from year to year (and it might even loose some value years), the average return will be closer to 10-12%, giving your daughter closer to $ 17,000 years to $ 20,000... I agree with Joseph, buying savings bonds or CD’s would be a waste. Also, while the market is down, this is the best time to buy, as funds are “on sale”. Beware the minimum initial investment amounts though, for many mutual funds this can amount to around $ 3,000. I suggested it because you are looking at a 20 year period, and these plans have been proven to be very effective over the long-term. Yet, they have proven to be one of the best, if not the best, long-term strategy on Wall Street. You can easily purchase a CD or Bond, that will be no problem. You can find mutual funds with low operating costs under 1%.

It’s all about reminding consumers that the U. S. Treasury offers six savings tools, from Series EE and I savings bonds to Treasury bills, notes and bonds. Like Harris, Prosser said savings bonds can be an effective savings tool for everyday Americans. Harris said recent research showed that many Americans didn’t know about the Treasury’s website and the ability to buy savings bonds and other Treasury products via their computer. There is still one route to buying a paper savings bond: your tax refund. That caused a ruckus among many people who had purchased paper savings bonds for decades at their local banks to give as gifts to children and grandchildren. “Giving a kid an email (that says you’ve purchased a savings bond) diminishes its value as a learning tool,” Prosser said. Under an IRS program launched in 2010, taxpayers can purchase up to $5,000 in Series I savings bonds, using part or all of their tax refund. To purchase a savings bond today, both the buyer and the recipient must set up an online TreasuryDirect account. Currently, there are about 691 million U. S. savings bonds, worth about $180 billion, in the public’s hands, the Treasury said. 1 this year, Americans can purchase U. S. savings bonds only in digital form.

Given the combination of current low rates and the fact that you lose the last 3 months of interest (again, for holding less than 5 years), it might be better to wait long enough to grab 12 full months of interest by holding for 15 months (14... A known “trick” with I-Bonds is that if you buy at the end of the month, you’ll still get all the interest for the entire month as if you bought it in the beginning of the month. Buying in April If you buy before the end of April, the fixed rate portion of I-Bonds will be 0. 5% each for four broad stock ETFs) , which is an index for I-Bonds including last 6 years or so. This way I don’t have to worry too much about when to buy I-Bonds. My personal opinion is that you might as well lock on the guaranteed above-market rates for 12 months by buying in April instead of buying in May. I just think those who ignore I bonds in favor of stocks are too greedy, while those who ignore them in favor of CDs for their retirement investments are irrational (since I-Bonds will always beat CDs if not in the short term, definitely in the... If there is high inflation for the next 6-month period, this may get you a higher rate sooner, but buying in April will eventually get you the same rate anyway. You can’t redeem until 12 months have gone by, and any redemptions within 5 years incur a interest penalty of the last 3 months of interest. You could always wait all the way until in October for the next rate announcement, but if you have the cash now you’ll have the opportunity cost of lower rates until then. If you buy on April 30th and sell on April 1, 2013, you’ll earn a 2. The rates are annualized, so it’s the average interest rate over a year. Buying in May If you wait until May, you will get a new unknown fixed rate plus 2.

While I appreciate the Treasury Department’s efforts to help the environment – and American’s bottom line (this paperless initiative is expected to save taxpayers $70 million by 2017) – I don’t necessarily think the new electronic system makes... Today, you’ll still need to provide that information when buying electronic savings bonds online, but you’ll need one extra bit of info: the individual’s TreasuryDirect account number. Instead of buying the latest Star Wars Lego set, or an American Girl doll, or even a gift certificate to a toy store, I buy savings bonds for all my younger nieces, nephews, cousins, and Godchildren on their birthdays. Since my Godson is the first member of my family to celebrate a birthday this year, this marks the first time I’ll be using the Treasury Department’s new electronic system to buy the EE savings bonds. Social Security or Employer Identification Number Email address Bank account with routing number Once you select which type of TreasuryDirect account you want to open – either an individual, estate/trust, business, or organization account – and... Since TreasuryDirect prohibits anyone under the age of 18 from opening an account, how am I supposed to buy savings bonds for my underage family members. In the olden days (back when my dad had to walk uphill to school both ways, holding his shoes together with rubber bands, no less), all you needed to buy savings bonds at your bank or credit union was that person’s full legal name and their Social... These accounts, which are linked to a primary account opened by the child’s parent or legal guardian, can receive savings bonds but cannot purchase them. If you’re like me and haven’t had to buy savings bonds electronically yet, I’ll walk you through the process.

Savings Bonds News

Why an End to Paper Savings Bonds?

Why risk the wrath of longtime investors, such as our Utah reader, who clearly prefer the old-fashioned paper bonds? The Treasury says the move will save US taxpayers about $70 million over the first five years. Officials also say buying savings bonds
Susan Tompor: Millions of savings bonds are collecting dust

My response: Talk to Mom but research that bond anyway and get your money. You can even claim it's lost and maybe get a replacement from the federal government. About $15.8 billion is just sitting there uncollected in US savings bonds that no longer
5 Great Ways to Save Your Tax Refund (Plus 1 to Spend It)

These low-risk bonds, issued by the Department of the Treasury, grow in value for up to 30 years. "While you own them they earn interest and protect you from inflation," according to IRS.gov. Tell your tax preparer you want to buy savings bonds with