The Sphere

General Garbage => Tropical Paradise of Hard Shelled Fruits => Topic started by: Merla on Mar 14, 2005, 12:58:43 PM

Title: Bernie! I need savings bonds advice
Post by: Merla on Mar 14, 2005, 12:58:43 PM
I am looking into purchasing some and I need some advice since you seem to be so savy with financial matters.   What can you tell me about them?   Is this a recommended investment?  What is the difference between "EE" and "I" bonds?  I am looking for something long term (between 5 and 10 years).
What is the difference between electronic and paper?  Why are paper sold only have half their face value?  Thanks.  
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 14, 2005, 06:51:54 PM
You could send me your money.
Title: Bernie! I need savings bonds advice
Post by: MegatronYES on Mar 15, 2005, 01:20:20 AM
That's waht I did, and look at me now!  :D  
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 15, 2005, 01:24:37 AM
I never saw a cent, cheapskate.
Title: Bernie! I need savings bonds advice
Post by: joe on Mar 15, 2005, 01:24:44 AM
Where is Bernie? Shouldn't she be back from her safari by now?
Title: Bernie! I need savings bonds advice
Post by: MegatronYES on Mar 15, 2005, 01:28:51 AM
I need to ask her how to land forty-something chicks.
Title: Bernie! I need savings bonds advice
Post by: blanktoe on Mar 15, 2005, 04:13:53 AM
I would rather ask Eddie.
Title: Bernie! I need savings bonds advice
Post by: Fiero on Mar 15, 2005, 07:02:56 AM
The dog from Frasier?
Title: Bernie! I need savings bonds advice
Post by: Evil Monkey-Tom on Mar 15, 2005, 09:52:03 AM
Bernie!!! HELP HER SO I CAN STEAL THE SECRETS!!!
Title: Bernie! I need savings bonds advice
Post by: MegatronYES on Mar 15, 2005, 02:33:18 PM
Quote
I would rather ask Eddie.
Muh oh yeah.
Title: Bernie! I need savings bonds advice
Post by: B E C K on Mar 15, 2005, 09:31:24 PM
Keep bumping the topic.  She'll see it eventually.
Title: Bernie! I need savings bonds advice
Post by: Fiero on Mar 15, 2005, 10:54:29 PM
Penis is for girls, pussy is for boys, yay!
Title: Bernie! I need savings bonds advice
Post by: B E C K on Mar 15, 2005, 11:29:36 PM
Or so you think!
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 15, 2005, 11:36:35 PM
Wow, talk about off-topic!
Title: Bernie! I need savings bonds advice
Post by: joe on Mar 16, 2005, 01:07:15 AM
Seriously, what gives? Did someone offend Bernie and now she's avoiding the place? I hope it wasn't me. I mean, it would have been completely inadvertent, but still.
Title: Bernie! I need savings bonds advice
Post by: blanktoe on Mar 16, 2005, 10:10:22 AM
See what happens when you don't let women spank you?
Title: Bernie! I need savings bonds advice
Post by: Evil Monkey-Tom on Mar 16, 2005, 11:18:17 AM
She ate too many Boca Burgers, and now she's dead.
Title: Bernie! I need savings bonds advice
Post by: Merla on Mar 16, 2005, 12:59:41 PM
**Beats up all the guys**  Get the hell out!  I don't think any of you freaks are Bernie.  
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 16, 2005, 01:13:28 PM
No one said they were...  Besides, I don't think Terry Kiser even posts here. :(
Title: Bernie! I need savings bonds advice
Post by: B E C K on Mar 16, 2005, 10:14:13 PM
It's not like Bernie lives here.  Give her some time.  She did say she usually comes here via work, maybe she went on vacation or something.
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 16, 2005, 10:17:01 PM
I can see it now...MaxCon and Knurph in "WEEKEND AT BERNIE'S 2005"...
Title: Bernie! I need savings bonds advice
Post by: blanktoe on Mar 16, 2005, 10:46:59 PM
I would pay to see that.
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 16, 2005, 10:47:51 PM
Me too!  Fuck, with my ideas...
Title: Bernie! I need savings bonds advice
Post by: MegatronYES on Mar 16, 2005, 10:52:34 PM
Shut the hell up.
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 16, 2005, 10:54:36 PM
FINE. You can play Eddie...
Title: Bernie! I need savings bonds advice
Post by: MegatronYES on Mar 16, 2005, 10:55:50 PM
And when I call you I can you "Al"
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 16, 2005, 10:56:29 PM
Do you even try to make sense anymore?
Title: Bernie! I need savings bonds advice
Post by: MegatronYES on Mar 16, 2005, 11:01:48 PM
Fuckass.

"You can be my bodyguard, and I could be your long-lost pal,
I could call you Haddie, and Haddie when you call me you cna call me Al,"

Paul Simon
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 16, 2005, 11:04:30 PM
"You cna call me Al"?
Title: Bernie! I need savings bonds advice
Post by: B E C K on Mar 16, 2005, 11:34:34 PM
I used to absolutely love that freakin' song when I was a kid.
Title: Bernie! I need savings bonds advice
Post by: Max Con on Mar 17, 2005, 05:21:26 AM
I wonder if Knurph still calls everybody fag.
Title: Bernie! I need savings bonds advice
Post by: Merla on Mar 17, 2005, 08:36:46 AM
Quote
I wonder if Knurph still calls everybody fag.
Yes, yes he does.  <_<  
Title: Bernie! I need savings bonds advice
Post by: Bernie AKA on Mar 17, 2005, 08:42:11 AM
I be here! Not mad, although you are getting two spankings next year, joe.  :P  We've been having virus attacks at work, which inspired the MIS dept. to randomly monitor where people were going more closely than usual (pays to have a friend in that dept.!), so I've been laying low at work.  At home, I've been helping my cousin get ready for the St. Paddy's festival at his club in the evenings, but I am free again, and will make up for lost time today. :bernie:

The best site for savings bond info is here (http://www.publicdebt.treas.gov/).  In brief, the EE series will cost less (1/2 face value to buy), but the I series has a potential to earn more.  If you want to cash it fairly soon after the penalty phase expires (5 years), I'd go with the EE as it has a guaranteed rate of return, while the I series does not.  The dollar is losing value in the international market at present, and the average garden variety financial cycle is 10-12 years. If you plan to get some bonds to hang onto for longer (full maturity is 30 years), the I would be worth considering.  They're kind of neat to buy & forget about - we found some $25 ones after my dad died from 1969 and each one was worth $132.

Paper vs. e-bonds:  e-bonds are much less of a hassle to replace if something happens to them.  The paper ones are really cool looking, though.   If you want the paper ones, make copies of them and store in a safe separate place with details of when/where you got them.  


 
Title: Bernie! I need savings bonds advice
Post by: Merla on Mar 17, 2005, 09:06:41 AM
Well I am glad you haven’t disappeared off the face of the earth.  I figured you were just busy.  Thanks for the advice.  I will take it into account.  I can buy bonds were I work and get it deducted from my payroll.  They will even take half to amount from one chell and the other half from the next chell.   I think I am going to go with some EE bonds for now.  I may consider I bonds for later.  
Title: Bernie! I need savings bonds advice
Post by: Bernie AKA on Mar 17, 2005, 09:20:09 AM
Even better - payroll deduction is the best.  After the first chell, you won't even miss it.  Go Merla!  :D

*shoves cat #4 off lap* Now I remember why I don't get online at home much during cold weather.  I don't mind if they sit, but there ain't that much space to fight for!  :blink:  
Title: Bernie! I need savings bonds advice
Post by: Merla on Mar 17, 2005, 05:58:13 PM
**Does the Nuri-Nuri Dance (think twisty dance only more fucked up).**

Go Merla!
It's your Birthday!
Not for real, real.
Just for play, play.


 :lol:  
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 17, 2005, 06:38:18 PM
I can only imagine...
Title: Bernie! I need savings bonds advice
Post by: Fiero on Mar 17, 2005, 09:13:56 PM
Quote
I can only imagine...
I'm having lots of fun imagining.
Title: Bernie! I need savings bonds advice
Post by: Extra Zero on Mar 17, 2005, 10:11:53 PM
You would.
Title: Bernie! I need savings bonds advice
Post by: MegatronYES on Mar 17, 2005, 11:23:42 PM
Nice one.