The U.S. government issues its own bonds from the treasury and from several government firms. Those developing in less than one year are called T-bills. Bonds that mature in one to ten years are T-notes, and those that take more than 10 years to develop are treasury bonds. In some cases, you do not need to pay state or regional income taxes on the interest they make.

Munis finance things like healthcare facilities, schools, power plants, streets, workplace structures, airports, bridges and the like. Municipalities normally release bonds when they require more money than they gather through taxes. The excellent thing about local bonds is that you don't need to pay federal earnings taxes on the interest they make.

While corporate bonds are a greater danger than federal government bonds, they can earn a lot more money. There's also a much bigger choice of business bonds. The downside is that you do have to pay federal income tax on

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