US Treasury EE Saving Bonds: Good Idea Or A Stinker Idea?

Buying a US Treasury EE Bond can be a great idea if you want your funds held long term and have no need for the funds prior to their 20 year maturity. EE Bonds offer fixed interest rates for the life of the bond. The maturity period for EE Bonds is 20 years, if you redeem the bond in the first 5 years of ownership, there is a penalty affixed. EE Bonds offer safety, market yield and tax deferred interest compounding.

By |2020-04-15T20:58:54+00:00February 11th, 2020|Bonds|

Corporate Bonds, How Safe are They and What Happens if a Company Defaults.

Bonds are backed by the financial strength of the bond issuer. If the bond issuer is not able or chooses not want to pay, a bond can be in default. The reasons for default can vary from inability to pay to a desire to reduce the actual bond’s obligation. While US Treasury securities never default, corporate bonds default on a regular basis.

By |2020-04-12T23:32:24+00:00May 12th, 2019|Financial Planning|

Annuities Vs Bank CDs: How Do They Compare?

Bank Saving Products or Insurance Company Annuities, which would you choose for your safe and secure money? Federal Reserve Vs. 10 Year US Treasury As consumers, we think of interest as interest. In fact, there are two different and distinct factors that separate banks and annuities when calculating interest on savings vehicles. Bank CD interest [...]

By |2020-04-13T18:27:47+00:00January 22nd, 2019|Annuities, Annuities 101|