How to buy U.S T-bill (treasury bills)?

  As of 04/28/2022, the expected yield of treasury bills (T-bills) for 3 months is 4.969%! (Updated: it is over 5% ) Compared to other CDs, T-bill is more flexible (has shorter terms) and has almost the same APY.  That's why I choose T-bills other than CDs.  

There are two ways to purchase T-bills: a government website (https://www.treasurydirect.gov/) or a brokerage account. I was trying to register at the government website, but it kept asking to verify my identity, to do so I have to MAIL my documents to them, so I gave it up eventually.  

Below, I will introduce how to use a Fidelity account to buy T-bills. 

First, click "New & Research", then "Fixed income, Bonds, CDs".

Secondly, you can click New Release to find the most recent available T-bills.

The last, just select "Trade" to buy T-bills. 

Papaya Smoothie

    Ingredients: 

3 oz peeled and ripe papaya

1&1/3 cups of iced soymilk

2 tsp condensed milk or honey (can be replaced with any kind of sweetener)

Steps:

                                         1. Peel the papaya and remove the seeds, and then cut it into cubes

                                         2. Place all the ingredients into a blender, and mix them around 

                                                      30 seconds until it is well mixed and creamy.

                                        3. Enjoy the cold and sweet smoothie! Drink it as soon as possible because                                                 papaya contains papain enzyme, which not only helps digestion but also clots

                                          proteins. It will clot the soymilk.