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Where to find T-bond info
U.S. Treasury savings bonds have a long track record of risk-free saving. Moreover, they can be purchased for as little as $25. If you would like to learn more about government saving bonds, here are a few Web sites where you can find useful information:Bankrate.comwww.bankrate.com/finance/personal-finance/5-common-questions-about-savings-bonds.aspx Answers five common questions about U.S. savings bonds.Finaidwww.finaid.org/savings/bonds.phtml Discusses types of U.S. savings bonds and how they can be used to help cover a college education.New York State Society of CPAswww.nysscpa.org/cpajournal/old/11726041.htm Explains saving bonds and tax considerations.Treasury Directwww.savingsbonds.gov/indiv/indiv.htm Features insights about U.S. Treasury savings bonds under "Are You Looking For" links on left side navigation.Securities and Exchange Commissionwww.sec.gov/answers/savingsbond.htm Easy-to-understand overview of three basic saving bonds: Series EE, Series HH and Series I.— McClatchy-Tribune News ServiceSpending less on giftsA third of U.S. adults said they will spend less this year than they did in 2008 on gifts, and 49 percent said they will spend about the same, according to a Consumer Reports poll.Almost two-thirds said they planned to "cut back" on total holiday expenses, which include travel, gifts and holiday decorations.More Americans are also "regifting," or passing on a gift they got to someone else: 36 percent of adults this year say they’ve done so, compared with 31 percent last year and 24 percent in 2007.The survey polled 1,000 U.S. adults from Oct. 15 to 18.It’s worth noting, though, that Americans who plan to spend less don’t always do so. The survey found that of those Americans who made a budget for last year’s holiday gift buying, 44 percent spent more than they had intended.Clothing and electronics remained the top gifts to give, the survey said.The survey, conducted randomly by telephone, had a margin of error of plus or minus 3.2 percentage points. — The Associated Press
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