Word: planning
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Dates: during 1990-1999
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...plan for the city revolves around culture...
Carol Seefeldt, a researcher on children's concepts of money at the University of Maryland, says that "if you want children to learn to make wise decisions and plan and budget, they need more than an allowance to do that." She suggests that parents involve kids in simple decisions involving the cost of meals and clothing and teach them to help comparison-shop for the family...
There have been some innovations in the past 12 months--the new I-bond, whose interest rate rises and falls with inflation; the EasySaver plan, which features automatic bank-draft purchases; and PC purchasing via a bank. Next up: online purchases direct from the Treasury with no commissions or fees. Treasury will be trumpeting these new features--which private industry caught onto years ago--in a marketing campaign next year...
...should you be buying? Aren't savings bonds an investing anachronism? Not necessarily. They're especially well suited for anyone who puts away only $50 or $100 at a time (and saving any amount you can is worth doing) or who doesn't have a decent retirement plan at work. Increasing our anemically low national savings rate in this manner may emerge as the bureau's new mission...
...plan to buy I-bonds, do it before Nov. 1, when yields get reset. I-bonds have two elements: a guaranteed 3.3% interest rate and the rate of inflation, last counted at 1.75% (for a total 5.05% yield). The inflation rate is going higher, and will be applied to old and new bonds. But the guaranteed part may go lower on the new bonds. Buy now, and lock in the old guarantee...