One of the saving options that we will talk in here is the savings bond. There are different kinds of savings bond that you could get. You could purchased it for yourself, or even give it to your families and friends as a gift. Of course you need to read the certain rules and terms before you could this because not all of the saving bonds could be given to other people. Just like you read before, different type will have different use.

One of the examples is I Bonds. It’s a low risk savings bond. By having this savings bond, you could get interest from it and eventually protect you from any inflation. You could purchase this type of savings bond through payroll deductions or your local financial institution.

Bonds in really useful as your retirement income supplement, your kids’ financial education, even give it your families as a gift. The interest that you could get from this bond will be added to your initial capital, and you could cash it out along with the bond.

Besides getting the savings bond for your investment, you could also consider other form of investment such as real estate or Forex market. Real estate is also another excellent investment option if you want to put your money and let it grow slowly in many years to come. You don’t have to do anything with the properties that you have. You just need to find an experienced property manager, and let them take care of the leasing and property rent, sending you the income every month.

Forex is another form of investment. However, it’s much advised to put the money that you’re willing to risk into Forex market because you could lose all of your money in seconds if you don’t have the right system and the right plan. You could find some Forex agent and let them take care of your money, or you could take care of your Forex investment by yourself.

No matter what investment options that you choose, just make sure you already prepare the investment for your retirement. You need to do this right away, because the sooner you start the more money you have on your retirement days.

Comparing to June which saw a decrease of 1.6 percent , Real Disposable Income decreased just 0.1 percent in July. While  Real PCE increased 0.2 percent, compared with an increase of 0.1 percent.

*( Next release – October 1, 2009 at 8:30 A.M. EDT for Personal Income and Outlays for August. )

Why has this report is highly monitored by market ? Simply due to the very fact that consumer rule the economy. Without consumer spending, business activities would come to a halted very quickly, as nobody buy those products or services. And without sustainable income, consumers simply cut down their expenditures in reality. Although there are other factors influencing consumer expenditures, personal income is still being the most important factors .

In this report, Personal Income means the money of which household receive before taking out taxes. And plain simple, Real Disposable Income means is how much money is spendable after taking out those taxes and so on. As it is mostly well known, personal income could comes from several sources :-

• Salary and Wages
• Proprietor Income
• Rental
• Dividend
• Interest
• Transfer Payments
• Other(s)

Historically, average people or household spends almost 95% of their income money received, although there are some whom we termed as ’savers’ but it is of relative small portion compare to spenders.

Now, how would this data bring impacts to the financial market ? Normally, higher personal income are much favored by stocks markets as it means people on the street has money to spend on and fuel more economical activities like buying goods and services, which in return boost up corporate earning. In return, corporate would then be able to chunk out more profit and producing better returns for investors.

Nobody can predict the bottom of a bad market so don’t even try. But what people can do is wait for the upswing and take action when that happens. Yeah you lose on the initial part of the upswing but the market is so far below fair value right now that whatever you missed out on will be made up later down the road. The main thing you want to worry about is not being the first to get in line but the last. If you wait until everyone is comfortable with the market then you will be the one that is left out in the cold while others are profiting. That is what happened in the last recession. When the nightly news started to talk about the money that was being made in the tech bubble, that was the time to get out. The same with the housing bubble that we are going through now. I knew that it was too late to cash in on the housing phenomenon when TV shows started showing up everywhere on how to flip your home. By the time a money making gets to that level, that usually means that the market is saturated and even harder to make money in.

So now that we are in a down cycle the thing that you want to do is take the time to make sure you plan for the eventual up cycle. If you are a newcomer to the stock market take the time to get educated so that you have a slight idea on what you are doing. Even if you are planning to give your money to a broker or mutual fund, learn enough so that you are able to keep tabs on them, to make sure everything is on the up and up. You do not need the training of a day trader to learn the basics of the market. There are plenty of books and web sites out there that are geared to the novice investor. If you are not prepared to take at least an hour a week to read a book about the market then you are not prepared to place your money into the market.

If you plan on not using a broker or placing your money in a mutual fund then you need to look at step two. Step two would be to learn how to read a financial statement. This is not a hard thing and is truly a lesson that can last a life time. Again there are plenty of information resources out there that will teach you how to do this and it’s important that you get the hang of it. You want to be able to tell what the company that you are investing in is doing quarter to quarter. If you feel like they are wasting your hard earned money then it is time to pull out. If you like the results of the R&D(Research and Development) budget they have set for the next fiscal quarter then stay in. You get to know these things by studying an hour a week at least on your stock buys. Again if you are not willing to give an hour a week on your stock picks then there is a good chance you should be using a broker and not doing your own investing.

Cashing in on the bad economy is not a hard thing to do but it does take time and patience. There are no true get rich quick schemes in the world. If you are looking for that then I suggest that you sign up for a game show. There are however activities that if you take a little bit of time and a little bit of reading then you will be able to profit off of them. Stock picking is one of them. You will get some wrong and you will get some right but with the market as it is now, getting in on the upside is worth a whole lot more.