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Times are tough, and a lot of us are short on cash. Selling unwanted holiday gifts on eBay might raise a few bucks, although you probably won't attract a lot of bids for that beef-scented body spray you got from your manly cousin. You could shake out ...

Finding hidden cash: Check savings bonds and other unclaimed funds - The Daily Advertiser

In need of cash? Check savings bonds, other unclaimed funds - Jackson Clarion-Ledger

If you’re among those people looking for cash to pay holiday bills, check your drawers and safety deposit box for old U. S. savings bonds that are no longer drawing interest. There are $16 billion worth of them out there, according to the Bureau of ...

Cash-in old Series E bonds - Buffalo News

Last year’s markets took a heavy toll on your financial plan. You may have been on track at the beginning of the year, but now you must reevaluate. The storm has blown you miles off course, and not making any adjustments is destined to end in a ...

CBJ: Compute Your Net Worth Once a Year - Daily Progress

NEW YORK, Dec 30 (Reuters) - The U.S. long bond soared on on Tuesday as historic weakness in consumer sentiment and the housing market vividly portrayed an economy mired in recession, driving a safety bid for Treasuries. Consumer confidence hit a ...

TREASURIES-Weak data inspires flight to long bonds - Reuters

Weak data inspires flight to long bonds - Guardian Unlimited

Over the past 50 years, stocks have earned an average annual return of 11.4 percent vs. just 5.6 percent for bonds. That raises the question: If stocks earn about twice as much as bonds, why invest in bonds at all? One reason is that, in certain ...

Treasury bonds provide diversification - Lowell Sun

The calendar may say 2009, but in investment circles it is already being dubbed “year zero” – the era in which base rates are steadily nudged towards nought. That soubriquet is not entirely serious: few economists expect the Bank of England to ...

Low interest on savings makes equities look a risk worth taking - Times Online

Dec. 29 (Bloomberg) -- Congressional Democrats are seeking to expand funding for airport runways, housing projects and sewage-treatment plants through a new tax break for municipal bondholders. The proposal is designed to make so-called private ...

Democrats May Curtail Minimum Tax on Municipal Bonds (Update1) - Bloomberg

Bernard Madoff, the Cheshire cat of financial swindlers, did what advisers to the very rich only dream about: he persuaded them to hand over a huge percentage of their net worth with less due diligence than they would do before purchasing a launch ...

Resolved Question: What does the denomination on an EE savings bond really mean?

I have an US Savings Bond series EE issued in April of 2008, more than ten years ago, and the denomination on the bond says $100... what does this really mean? if I were to cash it today it'd be worth $76 and I know it was purchased originally for half the denomination, $50... so what is the $100?... any layman explanation of how these work would be greatly appreciated more

Voting Question: how long does it take for a savings bond to mature?

how long does it take for a savings bond to mature and reach full value...i could use the extra cash at this point and i was wondering if that is a way to go...i have had some for a few years and i was wondering if they are worth anything....also i do not have a bank account...so how would i go about cashing them in more

Resolved Question: savings bond question?

I dont understand the concept of a savings bond. I was given $100 to buy a bond for my daughter. I know I could either get one in the bank or online directly from the US Treasury. But how much could this bond be worth in 17 years? Would it be substantial? I did the calculator feature on the website and it said at a 2% interest it would increase $46 in 10 years. Is that it? I thought it would be more. Also what is the difference between type 1 and type ee? Thanks in advance! more

Resolved Question: How much tax will I have to pay on my Savings Bonds?

I cashed in $480 worth of savings bonds over the summer from 1989-1991. I am a student but they were not considered student savings bonds. Currently I am unemployed but considered a dependent to my family. Will I get a bill for the taxes due and how much should I expect to pay (and when). Thanks for your help. more

Resolved Question: savings bond worth a lot since 1993?

i have a $25 dollar savings bond that i've had since 1993. How much is it worth now? im 15, and i wanna cash it in and get a debit card. and how do i find out what kind of savings bond it is? Thanks, and 10 points for the best answer! more

Voting Question: A question about savings bonds..?

Well I'm not sure if that's what it is, but when i was little my god-mother gave me a paper a little bit bigger than the size of a bill and it has little $50 symbols on each side soo yeah not sure if its a bond of whatever. But anyways, I'm pretty sure she gave them to me over ten years ago, I'm sixteen now. So say I went to the bank tomorrow to try and cash them. Would they be worth more than $50? And would they actually let me cash them? more

Resolved Question: Do savings bond lose their value with the economy slipping?

I have a small EE savings bond and was just wondering if it is going to be worth less than the paper it was printed on. more

Resolved Question: How much will my EE 100 savings bond be worth in 2032?

Resolved Question: where should i invest my money ?

im in the uk..a tax payer and earn in the region of 16,000 with the rates as low as they are, virtually all the savings accounts offer pethetic rates...the ones that offer slighty more just arent worth all the tie ins n stiplutions and condition my ISA is used up at the moment. full 3600 done i was thinking of putting money into premiums bonds...in effect forgoing the cack rates i wud earn for a chance to win something more n still be able ot redeem my money wen i need to can any1 suggest anything better ? im looking to put anything between 1- 500 pounds away each month. more

Resolved Question: savings bond series ee question..help?

i recently received a savings bond in the mail worth $100. i then looked up some information on the internet as to when i could cash it in and it said this...You can cash your bond after six months. Bonds cashed before they are five years old are subject to a 3-month interest penalty...so my questions are can i cash this in today or would i have to wait 5 years .. and if i were able to cash them in today how much would i get back? more

Resolved Question: How much is this savings bond worth ?

I have a $ 100.00 savings bond.. It was given to me when My daughter was born 13 1/2 years ago.. How much is it worth now ?? more

Resolved Question: my son wants to redeem the us savings bond i got for him in 1988.where can he redeem it? he is in sacramento.?

it's a $100 EE type.also, if you know, how much is it worth? more

Resolved Question: If I redeem my Series EE savings bonds for cash, what percent of the interest is taken out for taxes?

Say my bonds are worth $3000 and the interest earned on them is $1100, bringing their total value to $4100. If I redeem them now, how much will I receive?How much will I have to pay on the tax form...I'm a minor. more

Voting Question: I have a series E $25 savings bond dated Jan. 28 1977. How much is it worth and should I save it or cash it?

I can not find on the internet what the value is of this thing. I did read that the series E is rare and it might still be getting interest even after the 30 years. Is that true? Should I cash this thing now? Will it expire at all? This one is in my name given to me as a gift when I was born. I know nothing about them. ThanksThank you for your answers! Do you know what the best sort of bond that I can invests in back into? Are US bonds realy a good Idea with the economy right now? more

Voting Question: when can i use my savings bonds?

i have savings bonds from the year 1994-2008. they are the 50.00 bonds. well how long is it that you have to wait before you can get full face value? how much would they be worth. i dont know how they gain value or how they work. if you could list out how much each year is worth that would be great. thanks. more

Resolved Question: I have money in savings bonds what should I do?

I am 16 and I have around 8k in savings bonds. I put them on the website to find out how much their worth and I have anywhere from 4.11-2.45% interest. From what I understand the interest fluctuates each year but mostly depends on the original interest when purchased. I have about $1500 worth that are at 4% from 1992 should I keep those but cash the rest? I have considered ESLs Money Maker and heard somethiing about CD's. Any advice on what I should do?Thanks for the answers so far. But $1500 is at 4% the other 6500 is around 2-3. Also I don't need to access this money anytime soon. So CD's would not be a problem. more

Resolved Question: Why is Australia considered a developed country?

I really need some input on this, because I have several issues that I have faced while visiting/living in Australia (Queensland) that just makes me wonder if it is in act a developed country: 1) Education system is just crazy here, 20 million people and like 33 universities, yet different ranking systems place their universities in different places. Australian websites such as 'Good university guides' tend to throw couple of institutes in the top 100 list, while the top ranking systems on the internet might place 1 or 0 universities in the top 200 lists. Bond university, Australia's only known private university, is ranked (1000? wow) 2) I have never received a special service here while being a visitor. In San Fransisco you have free buffets, and casinos dash out the nicest drinks for free. In England (I own 2 flats there), I receive complimentary limousine ride to the casino whenever I want, and back again. In Australia I have to wait hours just to catch a single cab, AND if it's late at night, they sometimes ask you to pay before hand?! before they even deliver the service to you. 3) The people here are just weird. I never met anyone decent here (out of 300 Ive met over the years) in GEOGRAPHY, there are decent personalities however. Most of my friends (OZs abroad) know more about Geography than anyone that I've met here. Please understand that these people are ones I meet on everyday bases as a visitor, let it be the bar tender or someone in the bar. 4) They cannot believe that my Kuwaiti dinar is worth 5 dollars of their own currency, and they think the euro is the most valued currency in the world? what happened to the Maltese lira, sterling? that's kinda blatant. 5) The public transport is a disaster, I've seen buses running in Budapest Hungary that offer 3 times the service, more buses, electronic boards and timers. Sometimes bus stops here don't even have a time table, and calling their number lets you wait for 3 minutes which really sucks. And they look at you in a very bad way if you have no change what so ever, sometimes I only carry 50's, what can I do? 6) I takes me 2 nights to obtain a British visa for the holidays, it takes me 1 month to obtain an open visa for 10 years to the states (I must do an interview however), but it takes me 2 months to get a visa with multiple visits (3months + 3months) to visit Australia. Plus my country is on the Assessment level 1, so we're among the first ones to have the visas accepted, because they are hungry for tourism money. 7) They are unable to produce nuclear weapons on their own. And if someone jumps on me saying that they can hire people, well let me tell you that Kuwait (where I come from) has these capabilities as well. Well would you surprised that the US got recruited to free Kuwait and take action all in 6 hours. This is to point out that having the power to hire other people to fight for you doesn't make you a developed country fool. 8) Their economy is being led, they wont lead. Perfect example is now, the market crisis. Australian people used to get paid on average more than the US citizen, now a dish cleaner in the US being paid $9 an hour is the same as the waiter here being paid $16 an hour. If the Chinese market goes up, the Australian one follows. And now, they are in the worst situation ever, this means OZ families will spend almost double their savings to travel abroad, that just sucks. Check out the US dollar, British Sterling and the Euro. No comment. 9) Poor Australians are being ripped off everywhere. No matter where I go I see Oz businesses ripping off the poor people. A very perfect example can be seen in the following: a) Electronics, they are way to expensive here. You can set your own price and the people will pay. An iPhone here costs 1000 dollar (even before the market crisis). A 2002 Ferrari here sells for almost a million dollar which is a complete joke. American cars cost 4 times, regardless of their age. I envy my cousin who got himself a mustang for 6 US grands, I can still dream of having it in Australia. b) Internet. People here charge you even if you dont use the internet, and they will slap you continuously with their scary fines when you overuse their service. An extra GB overusing 3G's network costs $100 AUD dollars, 1 damn gigabyte. Don't let me even talk about Bigpond, because that's a whole discussion by itself. c) Anything European. If you purchase anything that's European here, get ready to pay for prices that haven't entered your brain yet. d) Cheaply built houses selling for crazy dollars. Its very sad to know that a country as large as Australia will make it very hard for a newly wed couple to get a new house. The finances are easy, they will give you loans, launch contracts, all to purchase a 3 bedroom house, in a cheap scary suburb that costs 3 times what I paid for my 3 bedroom house in Brighton (south of England) that I've purchased 2 years ago. Houses here in regi more

Resolved Question: Economics question about m1 and m2?

Jackie has the following list of assets: * $45 in coins and currency in her purse * A $100 bill in her jewelry box at home * $1,200 in a local savings account * $500 in a checking account (Jackie never carries her checkbook, however, because she has a debit card that is connected to the checking account.) * 40 shares of General Electric stock, which currently sells for $20 per share * $1,000 in a money market mutual fund * $2,000 in a U.S. government bond that matures in five years What is the value of jackie's net worth according to the def of m1? What is the value of her net worth according to m1 + m2? 10 pts to first correct answer... my friend and i have been debating this question for the past hour... more

Voting Question: who knows something about savings bonds?

my mom recently found a $50 savings bond someone gave her in 1969. The bank is no longer around that it was bought from, I was just kinda curious on how they work. Trying to figure out how much its worth now since it's 39 years old almost 40. & Where would she go to "cash" it in or at least figure out the exact amount its worth? thankss <3 more

Resolved Question: The following data pertains to the household of Mary and John at the end of the year:?

Assets Liabilities House $250,000 Mortgage loan $200,000 Stocks and bonds 40,000 Credit card debt 10,000 Money 2,000 Car loan 5,000 Furniture 5,000 Car 13,000 Savings account 5,000 Calculate the sum of real assets and financial assets and total assets of the household. Calculate the total liabilities and the net worth of the household. more

Resolved Question: Just found a series E savings bond issued n 1967 how much is it worth?

Resolved Question: [UK question] So... now where do I put my savings?

So, we have inflation running at 5.2% and interest rates at 3%. You can bet that the banks will be passing on that nice little 1.5% rate cut to savers before you know it. I don't claim to be any sort of financial guru but that means that my savings are reducing in real value at the rate of 2.2% a year, right? Some of my money is tied up in NSI bonds which are index-linked. But the rest of it is in ISAs and savings accounts. Accounts which had good rates when I opened them, but as far as I can see now have the same problem as keeping the cash under the mattress - the longer I leave it there, the less it is worth in real terms. The Government are stealing my savings!!! But joking aside... what do I do now? I don't dare stick it in the stock market because I just lost 30% of the value of my pension fund in the last month and I have no idea whether the FTSE has finished falling. I don't dare buy property, because I KNOW that those prices haven't finished falling. So what do I do with it? Move it abroad? Buy a commodity? Spend it on junk because there's no point in saving any longer? What? I have about £75k, excluding the NSI bonds. Of this, about £25k is currently in cash ISAs. I can't tie it up for too long - I want to buy a house in 2010 or 2011. All I want it to do is keep pace with inflation plus give me a bit of a return (since I am making that money available to the bank/whoever) to make it worth my while saving it instead of spending it. I really have nothing to spend it on right now, anyway. I'm worried about my job, so blowing it on holidays and loose men is something I would doubtless live to regret if I later became unemployed and needed it to live on. Thanks to the level of my pension contributions I am not a higher rate taxpayer. Any advice for me? more

Resolved Question: How much are my savings bonds worth?!?

I have three savings bonds, they're the EE series. They are all 50's. And two are from 94 and one's from 95. Do you know how much they are worth? Cause i'm going on a site trying to calculate it, and it wont work. Unless it's from 96-08. Witch is just incredibly weird. Help help help!? more

Resolved Question: EE Savings Bond help please?

I won a savings bond for 50$ through school last may. I have it sitting right in front of me wondering what the hell it is.. its an EE, for $50.. and it has an expiration date? which is weird cuz i thought these things never expire. How much is it worth? and can someone please explain to me what the hell it even is? thank you :) more

Resolved Question: Is it a bad time to cash out savings bonds right now?

In the midst of this crappy economy, I'm struggling a bit just like everyone else and have some savings bonds that I got when I was a kid that I'm considering cashing out. There's still 8 years for them to reach maximum maturity (30 years), but I really could use the cash now. I just want to know if the interest rates are so terrible right now that I would get a bad deal if I was to cash them out now rather than just wait 8 more years. Also, is there any way to predict what they would be worth at their maximum maturity in 2016? These are series EE bonds issued in October 1986 (my 1st birthday). I have one $50.00 bond and one $100.00 bond. more

Voting Question: HELP ME WITH FAFSA!!! PLS?

I don't understand this part; Does this mean that they will take money out of my account? Oh and I did the same for my parents, and does that mean they will take money out of my parents bank? As of today, what is your (and your spouse's) total current balance of cash, savings, and checking accounts (question 43)? (Do not include student financial aid.): Net worth means the current value of investment(s) minus debt (what is owed). If net worth is one million or more, enter 999999. If net worth is negative or zero, enter 0. Investment debt means only those debts that are related to the investments. Investments include real estate (other than the home you (and your spouse) live in), trust funds (such as UGMA and UTMA accounts), money market funds, mutual funds, certificates of deposit, stocks, stock options, bonds, other securities, Coverdell savings accounts, 529 college savings plans, the refund value of 529 prepaid tuition plans, installment and land sale contracts (including mortgages held), commodities, etc. Investment value means the current balance or market value of these investments as of today. Investment debt means only those debts that are related to the investments. Investments do not include the home you (and your spouse) lives in; cash, savings and checking accounts; the value of life insurance and retirement plans (pension funds, annuities, noneducation IRAs, Keogh plans, etc.). Note: If you are required to report parental information and your parents own a qualified educational benefit plan, or education savings accounts - including "529" college savings plans and Coverdell savings accounts - your parents should report the current balance of the plan as a parent asset (Q88). The amount to be reported for a prepaid tuition plan is the "refund value" of the plan. If you are required to report parental information and you own any qualified educational benefit plans - you should not report the value of those plans. If you are not required to report parental information and you own (or if married, your spouse owns) any of these qualified educational benefit plans - you should report the current balance of those plans as a student/spouse asset (Q44). The amount to be reported for a prepaid tuition plan is the "refund value" of the plan. more

Resolved Question: What happens to the war or troops in various countries if we go into a global recession?

I'm extremely concerned about everything going on around me. I'm so nervous I went and cashed in all my savings bond because I just don't want them to be worth NOTHING in another day or week or month. So if there is a global recession, then how can we continue to fund a war? Will the troops end up stuck in whatever duty location they are at? I'm learning some states are asking the government for loans just to pay school teachers and fighters!! So what does that mean for our troops? "Concerned army wife and 8 year Air Force Vet" more

Resolved Question: What is this savings bond worth?

I found a 100 series EE bond that someone must have gave me when i was younger. It was issued may 14, 1992. It is printed on the bond that it may be redeemed 6 months after issue and interest ceases 30 years from issue date. What is this worth? more

Resolved Question: Savings Bond HELP!!!?

k i have 4 savings bongs maybe about 5 years old for the amount of 200 dollars each now if i were to cash one will i get more then two hundred now i went on to TreasuryDirect and it said it worth $130 im confused....and where can i cash it do you think my bank will i have a wamu account? plzzz help me thanks! more

Voting Question: Savings Bonds & future investments?

So for Christmas I thought about buying my kids (an infant, a 2 yr old and a 3yr old) Savings bonds. I did some research online and it seems like everybody is saying they don't build into much of anything. I was going to spend about $100 on each one probally. Would it be worth it? Or are there better options out there that would gain more interest giving them a significant amount for education, a car or maybe a home. Depending on what they want. Me and my husband have also thought about maybe setting up some kind of savings account for their future. With the way the economy is going I dont know what is the best option and I don't know squat about financial investments. So I am hoping somebody can explain some options for me. more

Resolved Question: I LOVE ROSS PEROT'S FINANCIAL CRISIS ANSWER, WSY?

The Main Street Rescue Plan Congress will be voting on a revised Wall Street Bailout Plan as early as October 1, 2008. If you believe that Congress should be focusing on Main Street first, then please click here to send an email to your elected officials telling them you don’t want the government spending billions of dollars on bad loans. Phase One - Immediate Action by U.S. Congress 1. Securities and Exchange Commission Mandate that the SEC: Suspend its “mark-to-market” accounting regulations that are causing the write-down of bank assets to fire-sale prices, and thereby contracting the supply of available investment capital. Tightly restrict short sales of financial stocks. 2. Federal Deposit Insurance Corporation Mandate that the FDIC: Declare a national emergency during which time the FDIC will back depositors and general creditors of banks that fail and resolve those collapses in a way that does not cost depositors, such as selling deposits and loans of the failed institution to another institution. Reconstitute the FDIC’s “net worth certificate” (NWC) program that Congress created in the 1980s for the savings and loan crisis of that era. The NWC required no federal subsidy or cash outlay. Under the NWC, the FDIC bought subordinated debentures in the bank and issued FDIC notes to the bank, with the interest being the exact same on both instruments. Under this program, the FDIC assesses the financial condition of banks and shores up weak ones that can survive if given time to resolve their problems and merges/liquidates those too weak for the NWC program. Under the NWC program, the FDIC will provide strict supervision of participating banks, including the employment of key personnel and their compensation, until the crisis has passed. Again, no federal subsidies or outlays are required. Declare a 120-day moratorium on payment of dividends by banks. Executives of banks that need capital often worry that failing to pay dividends is a sign of financial instability. A temporary ban across-the-board will end fears and give FDIC time to strengthen banks’ capital base. Expand FDIC insurance coverage to other financial institutions, including hedge funds, placed under federal regulation. 3. Stabilize Owner-Occupied Homes Declare a 120-day moratorium on mortgage foreclosures. This will (a) keep families in their homes while components of the broader plan are put in place and the real economy is revived; (b) better ensure that the property does not fall into disrepair; and (c) reduce the decline in housing values created by unoccupied, foreclosed homes. Devise a post-moratorium program to do work out plans for owner-occupied homes, including federal cash subsidies for owners that can pay for their homes if given time to financially survive this crisis. Amend federal law so that federal bankruptcy judges are able to modify the terms of mortgages of homeowners in bankruptcy and thus give them more time to work through their financial problems and keep their homes. 4. Share Rescue Profits with U.S. Taxpayers Whenever the government makes a loan or an equity investment in a distressed financial institution, such as the AIG deal, the public gets a share of any future recovery profits. Create a true “Social Security Lockbox” for the warrants and equity the federal government acquires as part of this financial rescue. The goal is not long-term federal ownership, but to assist these organizations in returning to a sound operation and then make a prudent sale of the public equity. Restrict the investment of those funds to AAA-rated state and local infrastructure bonds, which provide safe, long-term investments that will stimulate the real economy, create new jobs, and fiscally strengthen the Social Security System. 5. Oversight Create an independent agency/board to oversee and manage the non-FDIC/SEC portions of the Rescue Plan and report to Congress on a regular basis. The Board would consist of: Secretary of Treasury (Chair). Chairman of the Federal Reserve Board, Chairman of the FDIC, Chairman of the SEC, Comptroller General of the United States, One appointee by each of the Majority and Minority Leaders of the House of Representatives and the U.S. Senate. Create a new Joint Committee of Congress to oversee the plan and provide recommendations to Congress. The new Joint Committee would consist of representatives from all standing committees with partial jurisdiction for resolving this financial crisis. The goal is to involve all relevant committees in this rescue plan. 6. Create an Emergency Financial Crimes Office in the Department of Justice The mission of this unit is to investigate any criminal acts that led to this crisis, hold the guilty accountable, and disgorge assets from individuals and institutions found guilty. The head of the Office will be an experienced, non-political career prosecutor appointed by the President and confirmed by the U.S. SenatSorry it took so long, but I think this is brilliant...What do you think? more

Resolved Question: Why didn't the Federal Government bail out the private investors who lost over three TRILLION DOLLARS worth ?

of stock equity when the Stock market Bubble burst after Greenspan raised the Interest rates three times in a booming economy in order to stop his "Bond Market" from going south? I lost my life savings and no one from the government even called! What we are seeing today is not a "Bail Out'! It is a "Rip Off"! more

Resolved Question: Canada Savings Bonds?

How exactly do these work? Apparently I have one that is worth $3000. But I'm only allowed to redeem it this month, or I have to wait 5 years? How much interest do these earn yearly? Do you think I should get it now, or later? (I'm in debt now, but maybe I'll earn a lot later if I wait?)I'm not credit card debt; just student loan debt from OSAP. I don't need to start paying back for a month yet, but I'm just planning ahead. Also, I'm not planning on buying a bond; somebody just told me I already have one. more

Voting Question: I have been getting 50$ savings bonds since i was six. I am now sixteen so i have 10 savings bonds. How much ?

...how much is this worth? more

Voting Question: I have U.S. savings bond from 1979 how much is it worth?

Resolved Question: Investing your money.?

I'm interest in setting aside some money for my future. With the failing of the United States economy what are some good ways to do this other than storing my money under my mattress or sock. What kind of interest can I expect from a savings account? Are bonds worth looking into? more

Resolved Question: Setting aside money.?

Resolved Question: I have a series EE savings bond I need help figuring how much they are worth?

I tried using the online calc and it asks how much the interest rate is...how am I supposed to know that since it is always different? also, when I take them to the bank they say they have doubled but they are still collecting interest.. would I be better off just cashing them and storing them in a savings account?? *anyone who gives a good enough answer...I will invite to GrandCentral* more

Resolved Question: mid twenty year old in Louisiana need financial advisor? Any suggestions.?

Can anyone please recommend their financial advisor. It doesnt matter to me if they are out of state (as long as they do phone conferences). I have 25k in an online savings acct earning 3.5% 9k in a Roth IRA retirement fund through Vanguard I want to retire rich and I'd like to have an investment now so that in me 40's I have some muoney working for me. I dont know if I should get a mutual fund in addition to what I have, if I should invest with sharebuilder (even though i dont know how to pick stocks). I would like to meet with someone that can offer me the best advice on reaching my goal. The thing is I did speak to a financial advisor before and he only sold american funds and that is the company he wanted me to buy from and it was a loaded fund, and from everything I've read it said don't buy loaded funds. So id ont know what is the best way to pay a financial advisor. SHould i look for an advisor that charges a fee rather than charges for each transaction. Also i'd prefer if you all could refer me to a specific financial advisor and not just a website directory. I am single and I just feel overwhelmed with what hsould i invest in am i saving enough for retirement should i get life insurance now (since it will probably be cheap and maybe a fixed rate) CD's wont be good for me since they are offering pretty much what I get what with my savings account plus my money is liquid... OH on another note: My dad is giving me 100 for a bond. Which bond should he get that will give me the highest return? is it worth getting a tax free bond although the rate is lower and where (what site) can I get that from? more

Resolved Question: I was issued paper savings bonds years ago and can't find them. How do go about cashing them in?

I have some savings bonds, but have no record of the numbers, and cannot find the actual papers themselves. Is there a website or government number I can call to find out how much they're worth and cash them in, or am i sqrewed? more

Voting Question: Can I use my savings bonds for college?

I have about 15,000 dollars worth of savings bonds and am pretty sure some are coming due (bought when i was an infant) I would like to use them for college but do not understand if i have to pay tax's on them because they are in my name and not in my parents. I am also listed as a dependent, so i just don't understand... more

Resolved Question: savigs bonds are they worth it?

i want a savings bond mabey for colledge or ermengy money in the future but is it worth it ? wats a good amount to put in a bond to earn good money in 7-10 years?? more

Resolved Question: My daughter received a savings bond gift certificate, what do I do with it?

My daughter received a savings bond gift certificate but I'm not sure what I do with it. It is a piece of paper saying what it is worth but it doesn't say home to redeem it. Do I just take it to the bank and they give me the real one? more

Resolved Question: What formula should I use in order to figure out the total amount I will have after the interest period is up?

I promise this isn't a math homework question, I don't even start school until the 29th :D but I came across my trusty-dusty (literally... dusty) savings bonds that my wonderful family gave me for about 10 years when I was younger. basically I want to figure out how much money I will have accumulated by the time they reach their maturity date. So, for example. In 1990 I was given a $75 bond that was bought for $37.50. The interest rate is 4% and currently the interest that has been made is $57.30 and the total value of this one bond (up to this date) is $94.80. The final maturity date is december 2020. So for my 30 year bond I want to know how much my $75 bond will actually be worth. I know there's a formula for it. And I knew it at one point in AP Calculus but the summer sun has for sure fried my brain to the point that it's now clear of that information. thank you for your help! :Dyeah i did the math for it "manually" (i did it for every single year) and its actually at about $158. But i'm looking for the formula simply because I don't want to do this for every single saving bond I have.............. :) more

Voting Question: i have a 50 dollar savings bond from 1994 and im only 16 can i still cash it? and how much is it worth?

Resolved Question: Maturity of Savings Bonds???

I have four savings bonds, one issued in 1993, one in 1994, and two in 1995. How much would they be worth now if I were to cash them in today? How much would I get back? Thanks!! more

Resolved Question: When should I cash in a 30 year savings bond?

I have several 30 yr savings bonds. Each one is past the 30yr mark. Approximately 31 years old. Do these bonds continue to make money once they pass the 30yr mark or are they only worth the value on the bond? Does it matter when they are turned in? Where can I take these bonds to cash them in? more

Resolved Question: Does anyone know how i can find out how much a savings bond is worth, online somewhere?

I want to thank you for helping!!! more

Voting Question: How much is my savings bond worth?

I received a $25 savings bond 10 years ago. If I cashed it now how much is it worth? more

Resolved Question: I found a $25 series E US savings bond ?

from 1973. I forgot I had it. Where can I cash it in and I know it's a really small amount but has it continued to grow in value or did it stop accruing more worth? more