Sometimes, when the price of a stock gets high, a company will decide to do a stock-split. A stock-split is when the company takes the total number of shares outstanding and doubles the number, dividing each share by two. As a result, the total value of all shares remain the same. Each shareholder then has double the number of shares but for half the price. The reason a Company does a stock split is to increase the number of people who can invest in the company by allowing investors to buy shares at a lower price.
Stocks can split two for one, three for two, five for one, or any other combination.
T-Bills are also bonds issued by the U.S. Government. You can buy a t-bill with varying maturities from 3 to 12 months, the time the bill expires you receive your original investment plus interest. A trust is another way to set up an account for children. A trust can put more restrictions on the use of money for a child, even after the age of 18. Trusts can be used with large sums of money or to ensure that money gifts are used for a specific purpose, such as education.