Don't buy U.S. Savings Bonds. How's that for a patriotic column after the holiday weekend? For years, I took advantage of the July 4th holiday to promote the benefits of U.S. Savings Bonds, reminding readers that even people with small amounts of money could easily and automatically start a regular savings program — and get current market rates of return. In other words, Savings Bonds were a good deal.

No longer. In recent years, the government has made changes to the Savings Bon ...

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