How to make money while you sleep

“It is useless to work so hard for a living, getting up early and going to bed late. For the Lord provides for those he loves, while they sleep” (PS. 127:2)

I am not overly religious, but these words of the Psalmist, especially the last three, keep coming back to me over and over again. But what is futile about hard work? Most of us have learned from experience that the more you work, the more likely you are to impress your boss and get promoted, or if you own your own business, the more likely you are to succeed.

Hard work often comes with a price. It can affect your health and your relationships negatively. It is useless because you don’t need to work hard to make money, and people have known this truth for centuries.

Buying Treasury bills(TBs/T-bills) is the safest choice on investment you can possibly make. I bet you have heard about treasury bills before now, but it probably sounded boring so you brushed it aside like I did several times before I decided to join the club of TBs investors.

Treasury bills are short-term guarantee notes written by a national government as a way of regulating the supply of money and as a means of generating funds in the open market. It is a way for a government to borrow money from people like you and me. Check out this website has good content on investing and it is focused on teaching beginners how to invest smartly.

Are you wondering how treasury bills(TBs) works? TBs have a face value, it is worth more than the actual price it is bought for. Let me clarify this, let’s assume you buy treasury bills worth £700 pounds, but the actual worth of the TBs given to you is £850. If you are wondering why there is a £150 increase, this is the return on your investment, it is the interest you earned on your capital. US securities and financial market association has a useful website to help educate investors, especially beginners.

All T-bills have a given maturity date which you as the investor gets to choose. This varies from one, three, six, and 12 months. As expected, the longer your specified period of maturity the more interest you earn on your initial investment. For example, if the interest on your 12months treasury bills is £300, your interest on six month TBs will be £150.

The main benefit of treasury bills is that your interest is guaranteed, you also receive your interest upfront. In most countries, interest on TBs is not taxed. However, in the US Federal tax is deducted from it. You can reinvest your interest by purchasing more T-bills with it. Treasury bills can easily be converted to liquid cash, you can also decide to sell off your TBs before it matures. This can be done by putting them up for sale at the secondary market.

It is quite easy to get started, simply walk into the customer service section of any bank and tell them you want to buy T-bills. You will be assigned a bank officer who will put you through and help you purchase your TBs. In return, the bank gets paid a small commission on your interest. You need to click on this link it’s a website that offers valuable insight on investing.

Why has your bank not told you about treasury bills? Because they also buy from the federal government, most times they use the money you put in your fixed deposit account to purchase it.

Some people have known the secret of investing for years, perhaps these are the individuals the Psalmist was referring to when he said those last three words. What are you waiting for? Join those who sleep while their income grows.

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