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KBD Sept Volume II Newsletter

September 2020 Volume II


The purpose of Kappa Beta Delta is to encourage and recognize scholarship and accomplishment among students of business pursuing associate degrees. To encourage and promote personal and professional improvement and a life distinguished by honorable service to humankind.

Treasury Bonds vs. Municipal Bonds

Treasury bills, notes, and bonds may be exempt from state and local taxes, but they are fully taxable on the federal level.

Municipal bonds, on the other hand, are exempt from federal income tax. Municipal bonds also may be exempt of state and local income taxes for investors who live in the area where the bond was issued. However, if a bondholder purchases a municipal bond mutual fund that invests in bonds issued by other states, the bondholder may have to pay income taxes.

* This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax professional. Mutual funds are sold only by prospectus. Please consider the charges, risks, expenses and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.

Tip adapted from

A Relaxing Breathing Exercise

Sit back and relax as you say goodbye to summer and hello to a new season. This breathing exercise will help you relax and rejuvenate yourself for everything that's to come.

The foundation for nearly all breathing exercises is "belly breathing." To get started, sit or lie down in a comfortable position and put one hand on your abdomen, just below your ribs. Put the other hand on your chest. Then, take a deep breath in through your nose and let your belly push your hand out. Next, breathe out through your mouth and feel the hand on your belly go down. The hand on your chest shouldn't move. Do this slowly 5 times, taking your time with each breath.

Once you master belly breathing, you can try more relaxed breathing drills.

Tip adapted from University of Michigan Medical School

3 Tips to Minimize Food Waste

● Shop Wisely - Go into the grocery store prepared with a list of everything you need. This will help you avoid buying items impulsively or buying things that you might not make in time.

● Buy Imperfect Produce - Groceries stores usually have very strict standards on the produce they select, but many of these standards are just cosmetic. Foods that don't meet the criteria are often thrown away. Save this perfectly good produce by shopping at local farmers markets or other shops that don't care about a few little bumps and bruises.

● Mine Your Fridge - Before buying more food that might go to waste, consider what you already have and how it can be used. When planning your meals for the week, incorporate these items.

Tip adapted from

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