08/19/2011 10:12 am ET Updated Oct 19, 2011

Save The Savings Bond: NYT

For generations of children, the idea of saving first became real when a savings bond landed in a birthday or holiday card, the image of a famous American staring out from the elaborate, earth-tone etching on a stately certificate. These fond memories may explain why this year nearly 50,000 Americans -- the vast majority of them modest wage-earners -- decided, under a new I.R.S. policy, to buy savings bonds with a portion of their precious tax refunds.

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