US series I savings bonds are a simple way to save money by financially investing in the US government; they can be purchased at a bank or post office. Purchase US Series I savings bonds, a liquid form of investing, withadvice from a registered financial consultant in this free video on finance and investment. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products …

Finance & Investment Tips : What Is a U.S. Series I Bond? is a post from: FYInance

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A regular IRA CD or certificate of deposit is a more conservative and safe way to build and maximize financial contributions to an IRA without worrying about risk management. Expand an IRA with the help of a safe certificate of deposit withtips from a registered financial consultant in this free video on finance and investment. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of …

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Sheila Bair, FDIC Chairman, explains the many concerns depositors have about their bank accounts due the recent bank failures. Depositors don’t have to worry if they are within the FDIC loan limits. She also talks about the FDIC loan modification program for IndyMac Bank customers. More info at: SCCRealEstateUncensored.com MiCasaMiDinero.com

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Calculating a CD, or certificate of deposit, can be illustrated by the formula, A equals P times one plus R over 365, all of which is taken to the Nth power. Find out how much a certificate of deposit is worth withlessons from a math teacher in this free video on math calculations for daily life. Expert: Jimmy Chang Bio: Jimmy Chang has been a math teacher at St. Pete College for nearly a decade. He has a master’s degree in math, and his specialties include calculus, algebra, liberal arts …

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I know about certificates of deposit as I have a few certificates of deposit because I have been investing in them for a while now. They pay me a small amount of interest each year. I report this on my income tax as interest income.

I am told if I invest my money in a Municipal Bond Fund I will not be taxed the same rate as interest income because this will be capital gains.

What percent will I have to pay on capital gains on my income tax?
What percentage is Social Security taxed at?

What about pension income? What percent?

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If you think that investing in a  certificate of deposit is something that you might want to consider, make sure you are buying from a legitimate bank that you trust. Do not fall for higher rate ads that promise rates that are more than the banks do. When something sounds too good to be true, it is usually not true. Do not withdraw cash to put into a CD. Do not be pressured by a salesman. You may think that you are lucky to find such nice people offering high CD rates but you never know if they are going to be in business tomorrow. There are many news articles about companies disappearing overnight and leaving customers cash strapped. Avoid these scams and do your research thoroughly before you invest in a CD. If you are going to use CD services, check them out and check their claims!

What to do before you buy a Certificate of Deposit?

Here are somethings that you will definitely want to do:

1) Before purhasing a certificate of deposit, ask how much the commission is for the sales rep. They should disclose the commission they are receiving.

2) Ask who is the issuer of the CD is and you can call them to verify the facts and information yourself.

3) Have an independent accountant or lawyer verify the details of the certificate of deposit. Take the documents home, do not be pressured to sign the dotted line right then and there.

4) Make sure you know that the certificate of deposit is legitimate before you purchase it or you will be very sorry later on.

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