Ask them if they found it easier than playing mathak's bank bonus game with Citibank pirates and gangsters.

An I-bond purchased today is GUARANTEED to pay off 30 years from now, backed by the full faith and credit of the US Treasury. All savings bonds, ever since they were created before World War II, have paid in full upon final maturity. In fact, some E series bonds (issued 1941-1965, now all redeemed) ...

Bitcoin is speculation, pure and simple. If you want to put it in the VP with money you can afford to lose, go right ahead. But right now, the cryptocurrencies remind me of tech companies before 2000 or railroads after the Civil War: a few of them survived, but even they are in substantially differe...

Saw a policeman roughing up an elderly trucker who honked his horn on Varney this morning. (Fox Biz). Not cool. dualstow, If you have not read it, see Richard Hofstader's The Paranoid Style in American Politics. He concluded that populist conspiracy theories are deeply embedded in American politica...

I think what you are saying is very much in line with Uncle Harry's admonition to take risks with your job, not your money. When I talk to young adults they often seem more interested in the former than the latter. If they know anything at all about I-bonds, they seem stodgy, not sexy. Even on this ...

Citibank is not giving money away for free with its bank bonus program. 1. Citi's current deal of $1500 expires July17, 2022. There are no guarantees the program will continue. 2. When you get your bonus, if you live in New York, your bonus is fully taxable by federal, state, and local governments. ...

1. Do you have a back-up plan to "un-retire" if your primary plan doesn't work out for some unforeseen reason? Part of that might be to go back to work part time, doing some teaching at a local community college, or by keeping skill certifications current for fields like nursing or IT for ...

What is the G-Fund? Also its funny this thread popped up. I was just going through some stuff and found a paper EE bond from 2008 and thinking I wish I had a few more of those! The G Fund is one of the funds available in the Thrift Savings Plan, the retirement plan available exclusively to federal ...

You want to hold EE bonds for 20 years to get the doubling feature, but you should also save them for a specific goal: 1. EE bonds used for higher education expenses are completely tax free: federal; state, and local. 2. EE bonds can be used to create a self-funded annuity for early retirement befor...

For the benefit of newbies, we should perhaps add to our discussion that each quadrant has a "deep" asset: Cash = I-bonds Bonds = EE bonds Gold = Physical gold personally held Stocks = individual stocks The goal is to hold some of each asset with "as few pieces of paper" as possi...

I-bonds are way easier to understand when there is a major upswing in inflation (like right now).

The appeal of EE bonds would be easier to understand if we experienced long-term deflation.

Thank you, JHogue. I appreciate the clarification, although I was hoping you had discovered some kind of magical, one-way capital appreciation aspect of EE bonds. Interestingly, I think there actually is another magical hack for the cash quadrant. For those of us who are federal employees, the G-fu...

I agree that I-bonds are a fit for deep cash. If you need to cash them out before 5 years the penalty is really minimal, and you're ahead of where you'd have been with a money market account anyway. I'm not sold on EE-bonds as deep bonds. If the 30-year Treasury starts yielding, say, 5%, then you c...

@JHogue, could you expand on your comment, below, regarding ”EE-Bonds are for “Deep Bonds"? I have not previously heard that perspective. @snedgar: Harry Browne originally prescribed a Treasury Money Market mutual fund for the Cash quadrant of the HBPP. The idea of “Deep Cash” originated with ...

dualstow wrote: ↑Fri Jan 21, 2022 6:22 pm Looks like the 7-year note is paying almost as much as the 10-year, and the 20-yr is paying *more* than the 30-yr.

I bonds make it easier for me to stick with the barbell, not the bullet.

barrett, I feel your pain, but I am not exchanging LTTs for ITTs. I bought most of my LTTs from Fidelity via the secondary market in 2013-1014; a lesser amount in 2015-2017. They are all still in the black and they produce a small income stream (though not as big as I would like!) I do keep about 10...

Given the present burst of inflation in the CPI-U index, I cannot see buying either T-notes or 3-7 year CDs. Current nominal yields for those securities seem guaranteed to produce negative returns.

There are a lot of good bank deals out there but the deal breaker is direct deposit …I am not shifting our social security or pension around for just a few months . But if people don’t mind doing it there are deals worth hundreds of dollars around . Citi bank is great because they don’t require dir...

FINALLY asking an at about six month old question regarding iBonds. I filed my 2020 tax return on May 15, 2021. I realized the mistake(s) I'd made on my 2019 so that instead of my $5,000 refund going toward purchasing iBonds it was sent to me as a refund. I thought that I had done all correctly on ...

Sorry, Xan, but we will have to agree to disagree. I personally re-use tea bags. I also clip coupons for my local carwash. I also labor under the assumption that everyone reading the forum personally knows that you can't invest in something unless you save something. As you suggest, the imperative t...

Some spend their lives clipping coupons too or reusing tea bags so everything is relative mathjak, Shame on you! There is absolutely nothing wrong with teaching thrift to our children and grandchildren. One of the giants of the American Revolution, Benjamin Franklin, expressed it best: A PENNY SAVE...

The 10k would be more an inconvenience opening the accounts with treasury direct and moving money and would be peeing in the ocean for us so I look for bigger deals with more money all the time. One man's peeing in the ocean is another man's partial solution for becoming semi wealthy! Seriously, th...

The only issue I could see with I-bonds is that they're issued directly to you buy the Treasury, unlike bills/bill MFs that you buy at your broker. It's conceivable that in a big SHTF event, the Treasury would refuse to cash your I-bonds. I still think it's a good risk to take for deep cash. Kriegs...

A couple of recent posts by forum members remind us that you can boost your I bond holdings significantly by treating this side of the New Year as another buying opportunity. This is a good way to deal with Treasury’s I bond purchase limitation of $10,000 per SSN per year (a common complaint among i...

You seem more interested in our portfolios than yours.