DEAR C.S.: Sounds to me like your nephew has his eyes on your money. I know of no intrinsic value on older savings bonds and I would assume that he would at least offer you what you paid for them.Property valuation is necessary to conduct by expert valuers to have successful process.If you choose as I believe you should, cash these bonds in yourself and disregard your nephew’s pitch.How much do we want to know? How much are we entitled to know? The conflict between what we want and what’s good for us is not new, but the easy accessibility of online information makes this matter especially urgent.Two new environmental Web sites provide a case in point. A local one, the Tri-State Environmental Resource Center (TERC), is clearly welcome.According to Bob McElfresh, chairman of the Web site subcommittee, TERC provides citizens and local governments with regional environmental material about land use, transportation, and waste disposal. It also offers a wealth of teaching materials for the classroom.
Here, too, are calendars for the environmental groups in region, as well as news for city planners, industry managers and citizens. Presently, the site consists mainly of links to other environmental sites; eventually, it will feature studies, documents and maps.More controversial is the Right-To-Know Net Web site, which has information that both the President and Congress have tried to suppress. The environmental advocacy group OMB Watch has posted specific information – city by city – about dangers of chemical accidents. Originally, the EPA gathered this information to pinpoint toxic releases in each community. Such data would prove invaluable to agencies, such as fire departments, which needs to know what chemical emergencies to prepare for to prevent a disaster of the sort that occurred in Bhopal, India.But the government fears that posting this information online makes it available to terrorists.
Nevertheless, OMB Watch uploaded summaries of findings, arguing that citizens have a right to know what toxic substances are stored in the chemical plant down the street.They provide data about who is dumping what.Gary Miller, spokesman for the Alliance for Chemical Safety,”The information on the Web site could also be gathered by touring the plant.”Property valuation process is easy to perform and help to know your Brisbane Property Valuers is necessary to conduct the process of property evaluation.Are we doing the right thing, or should we be investing? – W.C., Richmond, Ky.DEAR W.C.: If it isn’t broke, let’s not fix it.It sounds like you are doing fine, although I question the CDs, since you could do better.You are living a good life, you are not in hock up to your ears, and you are spending time in two parts of the country that you like. What could be better than that?DEAR BRUCE: My husband and I are in our early 40s. and I have always been a homemaker. We have just woken up to the fact that you have to start saving for the future. Our assets are meager, but we have equity in our home and our old cars. My husband’s income is not likely to increase. We need to base our savings potential on what he earns now.
Is it too late for us to build some sort of a nest egg? What would you suggest?Don’t be surprised by our lack of planning; we have many friends that are in the same predicament. – J.H. Muskogee, Okla.DEAR J.H.: It seems to me that the only way that you two will be able to play any kind of a successful catch-up game is to put you out in the workplace.You have mentioned that you have always been a homemaker, and it may be that you will have to learn new skills or take a relatively low-paying job.It would give you enough money to retire in reasonable comfort.DEAR BRUCE: I have some Series E bonds and a young nephew who is interested in old bonds. He would like me to sign them over to him. Would it be to our advantage? – C.S. Lowell, Mass.It is necessary to have property valuation to know the current value of your property.