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Savings Bond Calculator – The Concept

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Introduction

Today, the consumer is more aware and conscious of his rights than he was ever earlier. Whether it is the question of purchases for everyday living, or making important investments with their hard-earned savings, the consumers today are increasingly making informed choices and decisions after careful analysis and research.

To aid such consumer-consciousness, the industry offers a vast number of tools and instruments which can considerably help in making the right kind of choice in accordance with specific circumstances. The savings bond calculator is one such tool that is used by a large number of potential investors planning to invest in the US savings bonds.

Functions and Uses

Available widely as an online calculator, the savings bonds calculator is used to price the various categories of savings bonds available. These include the Series EE, E, I bonds along with the Savings Notes.

To begin with, the main functions that can be performed by such a savings bond calculator include:

1. Assessing the present worth of the bond
2. Building an inventory of bonds
3. Extensive help features guiding the user on the usage of the savings bond calculator
4. Saving the inventory results
5. Help in reporting the savings bond interest to the IRS every as it accrues

The Tool - Methods

The savings bond calculator is available to be used free of cost on a large number of websites dealing with the US savings bonds. Each one of these calculators available online provide authentic information in accordance with the input fed.

Though used online, yet this tool is extremely simple to use and can be operated by anyone who just has a basic knowledge of the internet. Most of these have a specific set of fields which require the user to enter specific information accordingly. The most common set of fields include:

1. Date field for the value (date for which value is to be assessed)
2. Category of the bond (series)
3. Bond serial numbers
4. Date of issue

In some of the savings bond calculators, there is also a provision to make extensive statements and create inventories keeping a record of the various developments in context of your specific savings bonds.

Experts always suggest that before investing your hard-earned income and savings in any form, it is important that you learn to understand and analyze the concepts involved. For instance, when planning to purchase the US savings bonds, it is important that you know what are these savings bonds, what are the costs involved, how to use the savings bond calculator, what are the interests and all of the other related details.
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