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the most recent CPI readings.(MORE: Dividend Stocks For Income? Not So Fast)“The financial system is so screwed up at this moment that I-bond rates, even paying just the inflation rate, are actually competitive with most things out there,” says Tom Adams of Savings Bond Advisor. For example, bank CDs pay just 1% to 2%. With them you lose ground to inflation.The beauty of I-bonds is the government guarantees that you will never lose ground to inflation and never be saddled with a loss, as can happen with TIPS (and most bonds) in periods of deflation. The total rate of return will never be less than zero.The fixed-rate portion of I-bonds has hit zero before—once in 2008 and again one year ago. There was even a six-month period in 2009 when a period of deflation wiped out the yield altogether and I-bonds produced zero return. That experience along with today’s extremely low yields may help explain why I-bonds are losing their luster. New sales have plunged by about half since 2008, Treasury reports.(MORE: The Secret to Retiring on Time Isn’t Making More Money)But savers may be missing the forest for the trees. Today’s rate of 3.06% is a full percentage point higher than the yield on a 5-year bank CD. (Five years is the shortest holding period for I-bonds without incurring penalties.) The federal income tax on I-bonds can be deferred up to 30 years; I-bonds are exempt from state and local income tax. Maybe locking in an inflation-rate return, for now anyway, isn’t so crazy after all.Bondi Beach Water Turns Bright Red Due to Algae BloomWILLIAM WEST / AFP / Getty ImagesA seagull stands a red algae bloom discolouring the water at Sydney's Clovelly Beach on November 27, 2012, which closed some beaches for swimming including Bondi Beach for a period of time.RelatedPHOTOS: Red Tide Hits Australian Beach ABC NewsBeachgoers see red over algal bloom The Sydney Morning HeraldEmailPrintShareFacebookTwitterTumblrLinkedInStumbleUponRedditDiggMixxDeliciousGoogle+Comment Follow @timenewsfeedIt must have looked like a scene from Jaws: surfers and sun-worshippers fled Australia’s famed Bondi Beach as the water turned blood red. The alarming hue, however, was not the result of a tragic aquatic accident, but rather came from a crimson algal bloom, ABC News reported.The beach, in Sydney,[url=http://www.tinfoti.com]Cheap Christian Louboutin[/url], Australia, was closed Tuesday while authorities tested the water. According to the Sydney Morning Herald they found that the discoloration stemmed from large floating fields of the red algae, Noctiluca scintillans, or sea sparkle. Although not toxic, swimming in algae-filled water can cause skin and eye irritation because of its high ammonia levels.Bruce Hopkins, a lifeguard who spoke to the Australian Associated Press, said the bloom had a “reddy-purple” sheen and “quite a fishy smell to it.”(MORE: Sydney: 10 Things to Do)Bondi Beach is one of Australia’s most well-known beaches, and it was added to the country’s National Heritage List in 2008. Nearby Clovelly Beach and Gordon’s Bay were also shut, but the popular spots reopened in the late afternoon when the algae started to dissipate.A New South Wales Office of Water spokesman told the Australian Associated Press that the red tide was caused in part by an upwelling of colder,[url=http://www.tinfoti.com]Christian Louboutin Outlet[/url], nutrient-saturated water. Algal blooms are most common in the spring and fall seasons,[url=http://www.tinfoti.com]Christian Louboutin Sale[/url], as water temperatures are higher and there are “greater movements in ocean currents.” Australia, which is located in the southern hemisphere, is currently transitioning from spring to summer.On Friday, a toxic bloom was detected in Botany Bay, just south of Bondi, the AAP notes. The New South Wales Food Authority issued an advisory warning against eating “poisoned” shell fish from the bay.MORE: Our Dying Corals—and How to Save ThemBonnie and Clyde’s Colt Pistols Up for AuctionPopperfoto / Getty ImagesCirca 1932, USA, Bonnie Parker points a shotgun at boyfriend Clyde Barrow.RelatedGuns of Outlaws Bonnie and Clyde to be Auctioned NBC NewsBonnie and Clyde Guns Could Sell for $200,000,http://www.tinfoti.com, Auctioneer