What You Should Know about Treasuries

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The US Treasury department controls massive cash flows that constitute the entire income and expenditure of the US government. The accounts payable will include government salaries, maintenance expenses of government property, aid to foreign countries, assistance to US citizens affected by natural disasters, social security payments and food stamps to name a few. Accounts receivable or income comes from federal taxes, fees and tolls, government tariffs and sales of postage stamps to coins and gold.

The government does deficit financing by issuing treasury certificates

When expenses exceed the income the government decides to borrow from the public and it does this by issuing treasury certificates for sale to the general public up to a predetermined ceiling. These debt certificates are called treasuries and they represent a safe investment opportunity for the public.

What do treasuries promise you?

Treasuries are debt securities, they are essentially a loan taken by Uncle Sam secured by the scope of enhanced revenue the treasury department generates, and backed by the solemn pledge of the US government to honor payment at the maturity of the principal amount along with interest on that amount at a specified rate. Treasuries for a longer term will pay interest on a half yearly basis. For example, a two year treasury note at the rate of 0.25% interest rate for a note valued at $10,000 will attract a coupon payment of $12.50 on half yearly basis.

We use them when safety is paramount and returns are not an issue

As treasuries are backed by the might of the US they carry zero default potential and are considered safer than any other investment option. The higher safety carries the drawback of lower returns, but municipal bonds and corporate bonds will offer higher interest rates with higher attendant risks.

As treasuries are very safe we can use them for holding savings for short term goals:

ü Use them for paying your margin when you buy a home.

ü For paying expenses your kid will incur in college that may be a couple of years away.

ü As part investment in a wider investment portfolio that will give stability to your finances.

Treasuries reincarnate in many forms

Treasury bills: You get them with their face value discounted today, but you get the full face value at maturity.

Treasury notes: They guarantee coupon in half yearly payments and have maturity periods stretching from two to ten years.

Treasury bonds: Same as notes but with extremely long maturity up to thirty years.

Retaining bonds may be sensible if you are planning to retire thirty years later, but there is no compulsion in retaining bills and notes till their designated maturities. After you purchase them you can offload these securities in the debt market for their current cash value, if you feel the sale is profitable.

Funding strategies for overcoming emergency situations

A financial crisis may have left you fretting about losing all or most of your savings, and survival is the number one priority. A poor credit report may be used by banks to deny you fresh loans. When loans for vehicle title are available you need not be weighed down by such problems.

The humble pawn car title loans can be used for any purpose whatsoever and a bad credit background will not prevent you in any way from accessing this easy credit. The auto title loan comes secured by the collateral of your car’ pink slip and guarantees you money up to 60% of the vehicle’s tradable value. The auto collateral loan will allow you the freedom of choosing you won repayment mode whether short term or long term. Most important, the car title loan interest rates will not go beyond 25% APR that is a whole lot better than dicey payday loans.

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