10 Things You Should Know About Bonds

And, some hot tips for homebuyers and sellers. Created for {EMAIL} | [Web Version]( April 29, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Instagram ]( [Youtube]( [SIGN UP]( ⋅ [WEBSITE]( [] Introduction [] [Stepping Into Saving at Home by Going Green]( Last week I shared how a home energy audit can help you find savings and reduce energy consumption. Kiplinger contributor Daniel Bortz has an article chock full of [ways to save when making energy efficiency upgrades](. Tax credits will help offset the expense of buying and installing new windows, skylights, HVAC, solar energy systems and more. Be mindful of the yearly limits of some tax credits and spread out purchases to get the full advantage of these credits. - Donna LeValley, personal finance writer [Get the Most Out of Your Retirement Savings]( Making your savings last and keeping your taxes low takes planning and attention. We can help you save time and earn more. Vanguard Personal Advisor is built to provide you an ongoing collaboration with our professional advisors — no matter where you are in your journey. [LEARN MORE]( ADVERTISEMENT [] TOP STORY [] [10 Things You Should Know About Bonds]( [10 Things You Should Know About Bonds]( (Getty Images) It’s time to get reacquainted with bonds in anticipation of [Fed interest rate cuts](. Because the interest rates on bonds typically move in the opposite direction of the benchmark rate set by the Fed, bonds will become more attractive as rates offered on [CDs]( and [high-yield accounts]( fall. Use these [10 things to know about bonds]( to get ready to take advantage of better yields when the rate cuts commence. [] REAL ESTATE MARKET [] [Hot Tips for Home Buyers and Sellers]( [Hot Tips for Home Buyers and Sellers]( (Getty Images) We have entered [peak home-buying season]( and conditions aren’t much better than last year. While inventory remains low and mortgage rates are still higher than normal, buyers are getting off the fence and looking to buy. Pam Kruger, founder of Wealthramp, says it’s easy to feel discouraged or frustrated by factors beyond your control, and shares [how buyers and sellers can prepare for a tough housing market](. [Is your money working hard enough?]( It should be! Learn how Betterment's automated investing and savings technology can make your money hustle, while you don't. [LEARN MORE]( ADVERTISEMENT [] ROTH IRAS [] [How to Open a Roth IRA in 5 Simple Steps]( [How to Open a Roth IRA in 5 Simple Steps]( (Getty Images) Recent changes to inheritance rules for traditional IRAs have made Roth IRAs an even more attractive choice for savings and estate planning. You do lose out on deductions for contributions but you will receive tax-free distributions that won’t trigger a surcharge on your Medicare premiums. Use these [five simple steps to open a Roth IRA](, save for retirement and grow your estate. [Share Your Life Story]( There is no greater gift you can give to your loved ones than the story of your life. We will create your private memoirs in a beautifully handcrafted book. A richly rewarding experience for you and a priceless gift for your family. Call today on (844) 399-0426 to find out more. [LEARN MORE]( ADVERTISEMENT [] OTHER KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Pros and cons of waiting until 70 to claim Social Security]( Delaying social security benefits until 70 will increase your monthly benefit, but could reduce a spousal benefit down the line. [How much money can you afford to gift in your lifetime?]( Understand the variables you should consider as you decide how much to give. [Alaska Airlines credit card: $660 bonus offer]( This card has a reasonable spending requirement and offers bonus miles and a companion ticket in return. 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