treasury bill calculator

Rebecca Baldridge, CFA, is an investment professional and financial writer with over twenty years of experience in the financial services industry. An indication of interest to purchase securities involves no obligation or commitment of any kind. The first calculation involves subtracting the T-bill's price from 100 and dividing this amount by the price. (adsbygoogle = window.adsbygoogle || []).push({}); In a nutshell, US T-Bills (Treasury Bills) are very safe short term bonds supplied by the US government, with a maturity period of less than one year. The U.S. Department of the Treasurys Bureau of the Fiscal Service announced today the suspension of sales of State and Local Government Series (SLGS) To get more information on how to start investing -- in Treasury bills and other investment instruments -- head on over to our Broker Center. Attention: Auctions Getting the price from the interest rate To calculate the price, you need to know the number of days until maturity and the prevailing interest rate. Brokerage services for alternative assets available on Public are offered by Dalmore Group, LLC (Dalmore), member of FINRA & SIPC. Keep in mind that other fees such as regulatory fees, Premium subscription fees, commissions on trades during extended trading hours, wire transfer fees, and paper statement fees may apply to your brokerage account. You might be using an unsupported or outdated browser. Since investors in riskier investments command a higher return as compensation, the yields on many bonds and money market instruments are priced at a spread over the corresponding risk-free Treasury rate. Treasury bills are usually This article describes the formula syntax and usage of the TBILLYIELDfunction in Microsoft Excel. U.S. Treasury bills, also known as T-bills, are U.S. government debt obligations with maturities of one year or less. Calculated by average return of all stock recommendations since inception of the Stock Advisor service in February of 2002. Because you're buying a $1,000 Treasury bill instead of one for $100, multiply 99.25 by 10 to get the final price of $992.50. Actual earnings may be different. Their rates are considered an important benchmark: Because Treasury securities are backed by the full faith and credit of the U.S. Treasury, they represent the rate at which investment is considered risk-free. Because This is higher than the long term average of 1.23%. These firms charge no fees for T-bills. We've detected you are on Internet Explorer. The Motley Fool has a disclosure policy. For clients of large firms like Fidelity, Vanguard, and Charles Schwab, placing an order through your broker may be easier than opening a separate TreasuryDirect account. Which certificate of deposit account is best? Already a subscriber? You can hold a bill until it matures or sell it before it matures. When the bill matures, you are paid its To complete the calculation, take the expected return, multiply it by 365, and then divide by the number of days until the Treasury bill matures. If you need to, you can adjust the column widths to see all the data. 3201 Pennsy Drive, Building E To calculate the price, take 180 days and multiply by 1.5 to get 270. Learn More. The way to calculate the "interest rate" for a Treasury bill is simple. The value of T-bills fluctuate and investors may receive more or less than their original investments if sold prior to maturity. Take the number of days until the Treasury bill matures, and multiply it by the interest rate in percent. You can calculate the yield of treasury bills through the following formula . Subtracting the purchase price from the par value yields the gain in dollars. It excludes zero coupon strips. Discounted offers are only available to new members. If you want to avoid risky investments, T-Bills are a good option. WebTreasury Bills. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Treasury bills are usually sold in denominations of $1000. Additional information about your broker can be found by clicking here. T-Bills are sold at auction using either a competitive or noncompetitive bidding process: T-Bills work by selling a bond at a defined value (lets say $1000) for a value less that its face value (say $800). Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. Commission-free trading of stocks and ETFs refers to $0 commissions for Open to the Public Investing self-directed individual cash brokerage accounts that trade the U.S.-listed, registered securities electronically during the Regular Trading Hours. Take the result and divide it by 360, as the Treasury uses interest-rate assumptions using the common accounting standard of 360-day years. to support your T-Bill competitive bidding calculations. Browse our latest articles and investing resources. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. Bankrate.com displays the US treasury constant maturity rate index for 1 year, 5 year, and 10 year T bills, bonds and notes for consumers. The U.S. Department of the Treasurys Bureau of the Fiscal Service announced today the suspension of sales of State and Local Government Series (SLGS) nonmarketable Treasury securities, effective 10:00 am Eastern Time (ET), May 02, 2023, until further notice. DSM = number of days from settlement to maturity, excluding any maturity date that is more than one calendar year after the settlement date. WebThe Tax-Equivalent Yield Calculator uses the following formulas to calculate tax-equivalent yields: Out-of-State Municipal Bond Yield = In-State Muni Bond Yield / (1 Out-of-State T-bills with maturities of less than 52 weeks are auctioned weekly, while 52-week issues are auctioned monthly. Apex Clearing Corporation, our clearing firm, has additional insurance coverage in excess of the regular SIPC limits. Investors who wish to purchase T-bills for individual retirement accounts (IRA) accounts must go through their broker, as it is not possible to fund an IRA via TreasuryDirect. The bill also would slash tax incentives for solar and other climate-friendly energy sources. For example, a Treasury bill with a face value of $1,000 might sell for $985. Get T-Bill rates directly from the US Treasury website. Department of the Treasury Updated data for US Treasury yield curve. Past performance is not indicative of future results. The Forbes Advisor editorial team is independent and objective. he holds onto this investment for twelve months (52 weeks) and turns it in at maturity for $1000. Then, click the "calculate" button to see how your savings add up! Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services. Treasury bills are issued by the US government and are exempt from state and local taxes. The following information provides further details about the input fields on the T-Bill Calculator. You should consult your legal, tax, or financial advisors before making any financial decisions. Multiply this number by 100 to convert to a percentage. If pr 0, TBILLYIELD returns the #NUM! The Government issues treasury bills at a discount from par at zero coupon rate for maturities of less than 1 year, usually 91 days or 182 days or 364 days. Heres a quick rundown on each type: Treasury securities are backed by the full faith and credit of the U.S. government. One way to buy T-Bills is to go straight to Uncle Sam and open a TreasuryDirect.gov account. Past performance is not indicative of future performance. Note about Cash Management Bills: We also sell Cash Management Bills (CMBs) at various times and for variable terms. SIPC-insured up to $500,000. Customer Relationship Summary, Open to the Public Investings Fee Schedule. Cumulative Growth of a $10,000 Investment in Stock Advisor, Join Over Half a 1 Million Premium Members And Get More In-Depth Stock Guidance and Research, Copyright, Trademark and Patent Information. Learn how were making Public available in even more places. Copyright 2023 Public Holdings, Inc. All Rights Reserved. Email us at[emailprotected]. Treasury bills (popularly called t-bills) are auctioned each Tuesday by the Federal Reserve in increments of $100. Learn More. Source: Charles Schwab & Co. For illustrative purposes only. Market beating stocks from our award-winning service, Investment news and high-quality insights delivered straight to your inbox, You can do it. The House action is designed to jumpstart negotiations. See FINRA BrokerCheck, Jiko U.S. Treasuries Risk Disclosures and Jiko Securities Inc. Form CRS. In the example, 70 days divided by 360 days equals 0.19444. WebThe TBILLPRICE function syntax has the following arguments: Settlement Required. Find the right brokerage account for you. To find more information on savings bonds and which ones are still earning interest, visit Fiscal Services website www.treasurydirect.gov. The Republican-controlled House approved a bill that would raise the debt ceiling by $1.5 trillion or until March 2024, whichever comes first. Brokerage services for US-listed, registered securities are offered to self-directed customers by Open to the Public Investing, Inc. (Open to the Public Investing), a registered broker-dealer and member of FINRA & SIPC. Maturity Required. We'd love to hear your questions, thoughts, and opinions on the Knowledge Center in general or this page in particular. None of these entities provide legal, tax, or accounting advice. 2 3.8% APY is the average of the best high-yield savings accounts, compiled by NerdWallet.com as of 3/7/23. -- The U.S. Department of the Treasury, Bureau of the Fiscal Service, announced it would expedite replacement of lost or destroyed paper U.S. Savings Bonds, and waive the normal one-year minimum holding period for savings bonds to assist survivors of severe storms, straight-line winds, and tornadoes for the following areas By default, January 1, 1900 is serial number 1, and January 1, 2008 is serial number 39448 because it is 39,448 days after January 1, 1900. Take our 3 minute quiz and match with an advisor today. T-Bills are considered a zero-risk investment thanks also to Treasury market liquidity. If a payment is less than 31 Yields on money markets and certificates of deposit are often priced relative to yields on Treasuries of a similar length. For a complete explanation of conditions, restrictions and limitations associated with fractional shares, see our Fractional Share Disclosure to learn more. Alternative assets, as the term is used at Public, are equity securities that have been issued pursuant to Regulation A of the Securities Act of 1933 (as amended) (Regulation A). Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Instead, the discounted price accounts for the interest that you'll earn. If settlement maturity, or if maturity is more than one year after settlement, TBILLYIELD returns the #NUM! WebThe Bloomberg Treasury Bill Index includes publicly issued U.S. Treasury Bills with a remaining maturity from 1 up to (but not including) 12 months. The maturity date is the date when the Treasury bill expires. https://www.barrons.com/articles/government-default-debt-ceiling-treasuries-9cdee52e. Duration is a measure of a security's price sensitivity to changes in interest rates. For formulas to show results, select them, press F2, and then press Enter. 3 Deposits below $100 may be permitted, but not invested. -- The U.S. Department of the Treasury, Bureau of the Fiscal Service, announced it would expedite replacement of lost or destroyed paper U.S. Savings Bonds, and waive the normal one-year minimum holding period for savings bonds to assist survivors of severe storms, straight-line winds, and tornadoes for the following areas When the bill matures, you are paid its face value. The next step is to use the maturity period to convert the return to an annual percentage. A Treasury Bill (T-Bill) is a short-term U.S. government debt obligation backed by the Treasury Department with a maturity of one year or less. You should consult your legal and/or tax advisors before making any financial decisions. If you want to invest more, then you can adjust the figure accordingly. Maybe you're more interested in stocks than Treasuries. Find out about tax forms and tax withholding, Get my money when my security matures (redeem the security), Reinvest my money in the same type of security. Open to the Public Investing, Inc. Either way, head on over to our Broker Center, where we can help you get started on your investing journey. Fixed mortgage rates are closely linked to movements in long-term Treasury yields, as mortgages are often packaged together and sold as mortgage-backed bonds. A competitive bidder specifies the desired rate or yield, while a noncompetitive bidder accepts the going rate established in the auction. We sell Treasury Bills (Bills) for terms ranging from four weeks to 52 weeks. The security settlement date is the date after the issue date when the Treasury bill is traded to the buyer. Put your cash to work with a high-yield Treasuries account. If youre seeking low-risk investments, your first choice should always be U.S. Treasury securities. Yields on short-term Treasuries can behave differently from yields on longer-term Treasuries. HYSA rate 4.0%. 4 Different banks may have different deposit requirements. This figure tells you the T-bill's yield during the maturity period. The Treasury then using the value of the investments and guarantees a payout at the facevalue of the T-Bill at the end of a fixed period. You can build a bond ladder for any period of time, and the staggered reinvestment means that youll have flexibility in how you respond to varying interest rate environments. 6-month and 1-year T-bill rates drop by up to 17 basis points each as Treasury yields continue to decline; 2-year rate down by 14 basis points at 3.85%. The Savings Bond Calculator tool, which is helpful for calculating redemption values, also can be found on the site. Answer some questions to get offerswith no impact to your credit score. error value. Buy fractional shares of fine art, collectibles, and more. Rate shown is gross of fees. All U.S. treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Let's say you buy a 13-week Treasury bill (91 days to maturity) at a price of 99.0. Market-beating stocks from our award-winning analyst team. Select state For instance, in the preceding example, you'll receive $1,000 at the end of the 180-day period. So the first thing you'll need to do is gather some information -- specifically, you'll need to know the Treasury bill's purchase price, date of purchase, and maturity date. MaturityRequired. Thanks -- and Fool on! Secrets and strategies for the post-work life you want. T-bills are sold via auction, so investors need to place a bid. Please try again later. JSI and Jiko Bank are not affiliated with Public Holdings, Inc. (Public) or any of its subsidiaries. Check the background of this firm on FINRAs BrokerCheck. Home equity line of credit (HELOC) calculator. No money or other consideration is being solicited and, if sent in response, will not be accepted. The TBILLYIELD function syntax has the following arguments: SettlementRequired. This is also referred to as the T-Bill Yield. A Treasury bill, or T-bill, is a short-term government debt security with a maturity of less than one year. Apr. Email us at[emailprotected]. If a payment is more than a month late, use the Monthly Compounding Interest Calculator. All Rights Reserved. If you likeUS Treasury Bill Calculator, please consider adding a link to this tool by copy/paste the following code. Formula Secrets and strategies for the post-work life you want. Open to Public Investing is a wholly-owned subsidiary of Public Holdings, Inc. (Public Holdings). This will give you the T-bill's annualized investment return. They're backed by the full faith and credit of the U.S. government, and they come in maturities ranging from four weeks to one year. Returns as of 05/02/2023. The answer is 99.25. Fears of a Default Spur Buying Frenzy of 1-Month Treasuries. Treasury bill prices are expressed on a scale where 100 represents full par value. During the maturity period, we can calculate the T-bill's yield as: Finally, to annualize the return, we can use our formula to calculate: This is the number you would use to compare your T-bill to other investment options. Then, click the "calculate" button to see how your savings add up! If you are retired or approaching retirement and considering the best investment opportunities, you should also review our guide on Tax Deferred Retirement. Automate your investment strategy with recurring investments. When the auction closes, noncompetitive bidders have their orders filled first. Yield to maturity calculator: how to find YTM and the YTM formula The YTM formula needs five inputs: bond price - Price of the bond; face value - Face value of the Investors have options when it comes to buying Treasurys. You can use this formula to convert discount rate to price: P=100_ (1-d_r/360) Divide the days until maturity by 360. Mr.Jack didnot receive any interest payments from the investment all year. When buying Treasury bills, you'll find that quotes are typically given in terms of their discount, so you'll need to calculate the actual price. A US Treasury Bill, also known as a T-Bill are a short term debt obligation which is backed by the United Stated Treasury. 1 26-week T-bill rate (as of 4/17/23) when held to maturity. For the best Barrons.com experience, please update to a modern browser. Making the world smarter, happier, and richer. Are you sure you want to rest your choices? U.S. Treasury bills, also known as T-bills, are U.S. government debt obligations with maturities of one year or less. Y Yield/ return percentage of T-bill. This copy is for your personal, non-commercial use only. Feel free to change the default values below. Build and diversify your portfolio with all the major crypto. To open an account, you only need a U.S. address, a social security number, and a bank account. Backed by the full faith of the US Government. Volatility profiles based on trailing-three-year calculations of the standard deviation of service investment returns. According to the Securities Industry and Financial Markets Association (SIFMA), there is more than $11.2 trillion in U.S. government debt outstanding, with an average daily trading volume of over $633 billion. - Select -6 months, US Treasuries rate Important:Dates should be entered by using the DATE function, or as results of other formulas or functions. WebYield Calculations for Treasury Bills William L. Silber Question Suppose you could buy a 91-day T-bill at an asked price of $98 per $100 face value and you could sell to the dealer at a bid price of $97.95 per $100 face value. error value. Face Value of T-Bill - This is the amount to be received at end of period of the T-Bill. While the interest income earned from T-bills is subject to federal income tax policies, it The Treasury bill's settlement date. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services. All investments involve the risk of loss and the past performance of a security or a financial product does not guarantee future results or returns. For more information on risks and conflicts of interest, see these disclosures. Add the the face value of the bond. Youre reading a free article with opinions that may differ from The Motley Fools Premium Investing Services. For example, you buy a $5000 T-Bill for $4800 over three months. US Treasury Bill Calculator [ T-Bill Calculator ], Percentage (Declining Balance) Depreciation Calculator, 10 tips to pay less Federal and State income tax, Earnings Before Interest Taxes Depreciation And Amortization Calculator. Investors can also buy T-bills in the secondary market, although purchasing new issues is generally a wiser option. By using TreasuryDirect, investors save money on fees and commissions. Click on the links below to find a fuller explanation of the term. See JSIs FINRA BrokerCheck and Form CRS for further information. T-bills are purchased at a discount to the par value and the T-bills yield represents the difference in price between the par value and the discount price. Aggregate funds in your Treasury Account in excess of the T-bill purchases will remain in your Treasury Account as cash. The Treasury bill's maturity date. It only takes $100 to start investing, and the buyer has two choices. The US T-Bill Calculator can be used to calculate the interest rate on your treasury bond using the following steps: The Treasury Bill Calculator will then automatically calculate: The annual interest rate of your T-Bill is calculated for information only. This compensation comes from two main sources. error value. Other T-Bill Value - The other T-Bill value allows you to enter non-standard T-Bill Amounts. Open to the Public Investing, Inc. This united states T-Bill calculator is used to find out the T-Bill profit, Percentage return on T-Bill, Yearly percentage return on T-Bill and so on. The bill also would slash tax incentives for solar and other climate-friendly energy sources. The Motley Fool has a disclosure policy. We sell Treasury Bills (Bills) for terms ranging from four weeks to 52 weeks. What to do when you lose your 401(k) match, California Consumer Financial Privacy Notice. Buyers must place their order between the afternoon and the night before the auction date. WebThe TBILLYIELD function syntax has the following arguments: Settlement Required. WebThis calculator allows you determine what your payment would be based on face values and interest rates that you input. T-Bill prices tend to rise when the Fed performs expansionary monetary policy by buying Treasuries. You can use it to determine what your returns would be at various interest rates or, if you would like to enter a competitive bid, to determine what interest rate you should submit to BOU to yield a certain return. 4 Week Treasury Bill Rate is at 3.92%, compared to 3.40% the previous market day and 0.39% last year. Mr.Jack buys a 1-year $1000 treasury bill for $970. The T-Bill face value can be added by either selecting a common value from a drop down list or you can manually enter the T-Bill face value in the the Other Value box if not in the list. The April 26 bill passed by the Republican-led House would slash tax incentives for solar energy and implement $4.5 trillion in spending cuts - or about 22% - in Learn more. For more information, click the instructions link on this page. Next, multiply the yield you just calculated by 365 and then divide by the number of days in the maturity period that you determined earlier. Likewise the maturity period can be selected from the drop-down list or entered in the Other Period box. JSI uses funds from your Treasury Account to purchase T-bills in increments of $100 par value (the T-bills value at maturity). How much should you contribute to your 401(k)? Add the face value of the bond. WebAbout U.S. Savings Bonds Buy a Bond Gift a Savings Bond Cash In a Bond Savings Bond Value Calculator Manage Bonds Forms for Savings Bonds. Price paid for the T-Bill - This is the price that paid for the T-Bill at auction. Multiply the discount rate by the percentage of year until maturity. At maturity, the bonds face value is reinvested. Fears of a Default Spur Buying Frenzy of 1-Month Treasuries. Something went wrong. We also provide information on how to calculate the annual interest rate on a T-Bill further down this page for those who are new to T-Bill or wish to manually calculate the T-Bill interest rate. In addition to a decade in banking and brokerage in Moscow, she has worked for Franklin Templeton Asset Management, The Bank of New York, JPMorgan Asset Management and Merrill Lynch Asset Management. Standard T-Bill Maturity Period - Choose one of the Standard T-Bill maturity periods based on one month (4 weeks), three months (13 weeks), six months (26 weeks) or twelve months (52 weeks). Bond laddering with Treasury securities can be an interesting strategy for investors who want to manage interest rate risk and create a reliable income stream. Because you only paid $992.50, the remaining $7.50 represents the interest on your investment over that time frame. Your input will help us help the world invest, better! Maturity Period - The T-Bill Maturity period is the duration for which the T-Bill will be held before being cashed in for the return value on the face of the T-Bill. Making the world smarter, happier, and richer. Alternative Assets. The U.S. Department of the Treasurys Bureau of the Fiscal Service announced today the suspension of sales of State and Local Government Series (SLGS) nonmarketable Treasury securities, effective 10:00 am Eastern Time (ET), May 02, 2023, until further notice. This figure tells you the T-bill's yield during the maturity U.S. Treasuries ("T-Bill") investing services on the Public Platform are offered by Jiko Securities, Inc. (JSI), a registered broker-dealer and member of FINRA & SIPC. Market beating stocks from our award-winning service, Investment news and high-quality insights delivered straight to your inbox, You can do it. This is a standard denomination T-Bill value that T-Bills are normally purchased at in auction. Calculated by Time-Weighted Return since 2002. Basic Info. Information provided on Forbes Advisor is for educational purposes only. In financial analysis, TBILLYIELD can be useful in calculating the yield on a Treasury bill when we are given the start date, end date, and price. The flat percentage profit based on the T-Bill purchase price and T-Bill maturity price, The annual percentage profit rate based the period of the treasury bill investment. Heres what you need to know about investing in t-bills. Cash Management Bills are only available through a bank, broker, or dealer. Editorial Note: We earn a commission from partner links on Forbes Advisor. With just a few simple calculations, you can convert quotes to Treasury-bill prices, and know what you'll need to pay to invest. See Jiko U.S. Treasuries Risk Disclosures for further details. Other Maturity Period - Enter a bespoke T-Bill Maturity Period based on days, weeks or months. 4.0%. Invest better with The Motley Fool. By annualizing the return, a 13-week T-bill's return can be easily compared with longer-dated T-bills as well as Treasury bonds, corporate bonds, and other types of fixed-income investments. Alternative Assets purchased on the Public platform are not held in an Open to the Public Investing brokerage account and are self-custodied by the purchaser. This is higher than the long term average of Get help and support from our award-winning team. The Treasury bill's maturity date. Copyright 2023 Dow Jones & Company, Inc. All Rights Reserved. That will give you the price of a Treasury bill with a face value of $100. When the T-bill matures, the par value is automatically credited to your bank account. A TreasuryDirect account functions just like a brokerage account. The process above is the standard approach for T-Bill calculations for interest rate and yield. Discounted offers are only available to new members. Investment professionals use Treasury yields as the risk-free rate or the rate of return offered by an investment that carries no risk. Calculated by average return of all stock recommendations since inception of the Stock Advisor service in February of 2002. Cumulative Growth of a $10,000 Investment in Stock Advisor, Join Over Half a 1 Million Premium Members And Get More In-Depth Stock Guidance and Research, Copyright, Trademark and Patent Information. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Additional information can be found here. To make the world smarter, happier, and richer. You can calculate the potential yield on a T-Bill before placing a bid in auction. You can also use the calculator to work out T-Bill Yield and margin. Initial purchase WebFind our accurate online Treasury Bill Calculator, Treasury Bond Calculator and Repo/Reverse Repo Calculator to compute values for your Securities. The rates of return can be good but they can also be low, it depends on the auction. As a simple example, say you want to buy a $1,000 Treasury bill with 180 days to maturity, yielding 1.5%. Find a personal loan in 2 minutes or less. Apex Crypto is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Crypto. Then, divide by 360 to get 0.75, and subtract 100 minus 0.75. Dividing that difference by the purchase price then conveys the rate. US Treasuries rate 5.0%. Banking services provided by Jiko Bank, a division of Mid-Central National Bank. T-Bills are sold at auction, T-Bill Auctions are typically several days before auction start with a view to increasing interest and generating demand. WebThis united states T-Bill calculator is used to find out the T-Bill profit, Percentage return on T-Bill, Yearly percentage return on T-Bill and so on. No settlement delays. Banking services and bank accounts are offered by Jiko Bank, a division of Mid-Central National Bank. Select state. To order presentation-ready copies for distribution to your colleagues, clients or customers visit http://www.djreprints.com. Successful investing in just a few steps. Then, divide by 360 to get 0.75, and subtract 100 minus 0.75. Your input will help us help the world invest, better! Apex Crypto is not a registered broker-dealer or a member of SIPC or FINRA. So, the Treasury bill I just mentioned would have a price of 98.5. The security settlement date is the date after the issue date when the Treasury bill is traded to the buyer. Settlement and maturity are truncated to integers. We hope the fusion of functions allows you to bid and make successful margins on your T-Bill investments.

What To Do With Snake Holes In Yard, Do I Have Chest Dysphoria Quiz, 308 Ballistics Chart 100 Yard Zero, Is Paul Potts Still Married To His First Wife, Articles T