About Experts Sitemap - Group 46 - Page 79 2014-11-11

Saved by the Bell: zach and kelly marriage, rod stewart, bali
rod stewart, bali, marriage: Hi there, I remember what song you are talking about, but I don t remember very many more of the lyrics than that.. If you could get me some more of the lyrics, I could definitely find out for you. If I m not mistaken, it was sung by Rod Stewart, but I could...

Saved by the Bell: zach and kelly, actaully, rough estimate
actaully, rough estimate, amount of time: Hey Joe, I would say that all together, without counting the time they were apart, Zack and Kelly dated for about 5 years. This amount of time includes the College Years episodes where she came back also. This is just a rough estimate, but I m sure it...

Saved by the Bell: what was zach and kellys son..., jay gruska, rich eames
jay gruska, rich eames, song on the jukebox: Hi. Their song on the jukebox was A-12, which was just a bit of music written by the music writers on the show: Scott Gale and Rich Eames. If you mean Zack & Kelly s wedding song, that was When It s For You, which was written by Jay Gruska and Paul Gordon...

Saved by the Bell: zack and kelly wedding, kazaa media desktop, kelly wedding
kazaa media desktop, kelly wedding, saved by the bell: Hey Macy, Such a great question ... UNFORTUNATELY, even a question that I HAVE! ... I sincerely have not found an answer, and am still currently seeking out the answer with other experts . The general consensus is that no one seems to know the artist...

Saved by the Bell: zack and kelly, wedding in las vegas, laskey
wedding in las vegas, laskey, new girls: Hi Jen! Zack and Kelly broke up around the end of senior year and they never broke up becasue they got married. They got back together and eventually got married when they were in college. Zack, Slater, and Screech all ended up going to college together....

Saved by the Bell: zack morris in rush week, rush week, zack morris
rush week, zack morris, pilot episode: Hi. I am so sorry that I did not answer right away. This one took a little research. I moved not too long ago and all my tapes were packed away so I had to find the tape. Then I had a computer problem and lost all of my email. I believe the episode...

Saved by the Bell: zack's room, zack morris, australian flag
zack morris, australian flag, magic johnson: Hi Jaymers, An australian flag? hmmm.... I recall Zack having a Magic Johnson poster on his door. I do vaguely recall a flag in his room like you say. Much like some props on the show, there is no real reason for why they are where they are. Zack was never...

Saved by the Bell: zak....his wherabouts?, law order svu, dead man on campus
law order svu, dead man on campus, lived tv series: Hi Shelley! That is the most ludacris rumor I have ever heard in my life. lol Zack Morris, whose real name is Mark Paul Gosselaar is very much alive and in fact is still acting. In 1998, he was in the movie Dead Man on Campus and is currently on the newer...

Savings Bonds: 1099's, savings bond calculator, issue dates
savings bond calculator, issue dates, deceased father: Hi Sandra - the best place to ask is at the financial institution that redeemed the bonds for you. Do you have any information at all on the bonds? It s easy enough to reconstruct the data using the Treasury s Savings Bond Calculator if you know the issue...

Savings Bonds: 1976 25$ savings bond, us savings bond, bond advisor
us savings bond, bond advisor, redemption value: This bond stopped paying interest last December, so it s time to take it to a bank and cash it. Details on how to do this are here: http://www.savings-bond-advisor.com/how-to-cash-in-a-savings-bond/ On that page, at the upper-right, is a calculator you...

Savings Bonds: 1976 Series E Savings Bond, treasurydirect gov, social security number
treasurydirect gov, social security number, savings bond: Alessandria - the good news is that the Treasury has a form you can use to get your money back, but they won t give you the $117 in interest the bond has earned. Information on the form you need is here: http://www.treasurydirect.gov/forms/sav2966.pdf ...

Savings Bonds: Emergency Fund Set up Question, treasury direct, bond advisor
treasury direct, bond advisor, treasurydirect account: Hi Randall - The discussion you re referring to was overly technical. If you want to create an emergency fund for yourself, just open a TreasuryDirect account and start putting money into Series I Savings Bonds every month. Details on TreasuryDirect are here:...

Savings Bonds: trustee listed on bond, savings bonds, hi mary
savings bonds, hi mary, best bet: Hi Mary - this is an unusual registration and I suspect you may have some problems getting the bond cashed. Is Cindy still alive? Your best bet would be to have Cindy and Chloe go to a bank that handles Savings Bonds transactions with a copy of Martha s...

Savings Bonds: bonds, savings bond Guru, ownership of savings bonds
savings bond Guru, ownership of savings bonds: Hi Tom, If your name is listed as the primary owner on those bonds, then your wife is obligated by law to give them to you. Savings bonds are registered securities. If she chooses to keep those bonds, then she is committing a crime. The FBI investigates...

Savings Bonds: bonds, the savings bond guru, ownership of savings bonds
the savings bond guru, ownership of savings bonds: Hi Charlie, Assuming that your name is listed first on the bonds, then you are the rightful owner - regardless as to how old you are. If your Father s name is listed on the savings bonds as POD (Pay On Death), before his name, then he can not cash them...

Savings Bonds: Converting POD Bonds and CD's, The Savings Bond Guru
The Savings Bond Guru: Hello John, Since the POD bonds have already reached their final maturity, they can not be REISSUED to any another person(s). All that can be done now is cash in the bonds and report the interest income on your federal income tax return at the end of...

Savings Bonds: how to cash in my deceased fathers bonds?, The Savings Bond Guru, inheriting savings bonds
The Savings Bond Guru, inheriting savings bonds: Hello Matthew, Those bonds that designate your Grandmother as the Beneficiary are legally hers and she is now the sole owner. Only your Grandmother can legally cash them in UNLESS she chosses to have the bonds REISSUED. THe REISSUE process will move your...

Savings Bonds: cashing deceased spouses EE bonds when POD is deceased, The Savings Bond Guru, claiming savings bonds
The Savings Bond Guru, claiming savings bonds: Hi Laura, You need to complete form PD F 1455 E. You will need the death certificates for both your wife and her father. The 1455 form will ask you for an affidavit that you are entitled to receive the monies from the redeemed savings bonds based...

Savings Bonds: EE Savings Bonds, the savings bonds guru
the savings bonds guru: Hello Christine, My suggestion to you is that you should request a listing of all the savings bonds in the name of one child. I will include instructions later in this letter. Once you receive the response back from the government, you will know the...

Savings Bonds: Ex-wife cashed bonds in y name, the savings bond guru, theft of savings bonds
the savings bond guru, theft of savings bonds: Hi Bill, If either the government, or the bank pays you for the bonds, then you have no legal basis for having her arrested. Eventually - it is my guess - that the bank will be responsible to pay you for the loss. But even if the bank pays you, it...

Savings Bonds: ee bonds, the savings bond guru, savings bond s - a great investment
the savings bond guru, savings bond s - a great investment: Hello James, I prefer not to comment on what others may say. But, depending on when a bond was issued, 18 years before it reaches its face value, may - or may not - be accurate. Since savings bonds earn a variable rate of interest - that changed every...

Savings Bonds: HH bonds with POD, The Savings Bond Guru, re-issuing savings bonds
The Savings Bond Guru, re-issuing savings bonds: Hello Tommy, To answer your question, NO you cannot redeem those bonds since your Dad is still on this side of the grass. While his intentions to help you are most admirable, the government is quite strict about who is allowed to redeem those bonds while...

Savings Bonds: LOST E US SAVINGS BOND, the savings bond guru, replace missing savings bond
the savings bond guru, replace missing savings bond: Hello John, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: Married sister is deceased, I have her savings bonds, The Savings Bond Guru, inheriting savings bonds without a POD
The Savings Bond Guru, inheriting savings bonds without a POD: Hello Linda, Actually, your sister s husband has a higher priority than you to redeem those bonds. He can not just hand them to you and expect that you would be able to cash them. I know it is complicating for such a modest amount of money, but these...

Savings Bonds: mother passed away and i found 6 savings bonds in her name, The Savings Bond Guru, cashing in a relative's bonds
The Savings Bond Guru, cashing in a relative's bonds: Hello Teresa, If you wish to cash them in, it is simpler than having the bonds REISSUED in your name. In order to cash them in, you will need to complete form PD F 1455 E. You can download that form from the Internet. You should include a copy of...

Savings Bonds: POD name change, the savings bond guru, change beneficiary and Co-Owner names
the savings bond guru, change beneficiary and Co-Owner names: Hello Kris, As it now stands, upon your passing away your ex-husband is the only person who is legally entitled to cash-in those bonds. You can have those bonds REISSUED with other persons named as either a Co-Owner or Beneficiary (POD). I always suggest...

Savings Bonds: Power of Attorney Cashing Savings Bonds, The Savings Bonds Guru, savings bonds
The Savings Bonds Guru, savings bonds: Hello Sue, Each bank can establish their own rules regarding the cashing in of Savings Bonds. If they say they want to see you sign the bonds {as a POA} in front of them, then that s what you have to do. Many banks have chosen to opt-out of handling...

Savings Bonds: pod, savings bond guru, savings bonds
savings bond guru, savings bonds, taxation on savings bonds: Hello Albert, Sooner or later, all the interest income earned by your bonds must be reported on somebody s federal income tax return. You could arrange it so that the reporting of interest income - up until the date of your death - could be entered on...

Savings Bonds: Redeem Savings Bonds as My Heir, the savings bond guru
the savings bond guru: Hello Deborah, You are getting away from savings bond issues and into inheritance issues. As I declared in my first response, I am not an Attorney and I am not qualified to give legal advice. It is most likely as simple as you suggested about dividing...

Savings Bonds: Reissued Bonds, the savings bond guru, savings bond interest rates
the savings bond guru, savings bond interest rates: Hello Allen, I cannot comment on what someone may have told your father, or what he might recall, from back in 1986. However, that was not an accurate statement. Savings Bonds DO NOT double in value every ten years. The interest rate on savings bonds...

Savings Bonds: Savings Bond Medical Assistance, the savings bond guru, savings bond onwership
the savings bond guru, savings bond onwership: Hello Dan, How is the grandmother registered? as the primary owner (the grandmother s name is listed ABOVE your fiance s name), as a Co-Owner (the grandmother s name is listed BELOW your fiance s name with an OR in front of it), OR is the Grandmother the...

Savings Bonds: Savings Bonds, the savings bond guru
the savings bond guru: Hi Barb, In a divorce situation everything becomes negotiable. There is no such thing as being entitled . It will be what your brother and his wife determine is a fair and equitable division of their jointly owned property. While the savings bonds are...

Savings Bonds: Savings bonds changing interest rate, the savings bond guru, interest on savings bonds
the savings bond guru, interest on savings bonds: Hi Kerri, Interest rates don t have a trend per se. Savings Bond interest rates are a reflection of the rate of inflation currently being experienced by banks and other corporate investments as well as the value of the US dollar in the world. Sometimes...

Savings Bonds: Savings bonds form needed, savings bond Guru, settling the estate of savings bonds belonging to others
savings bond Guru, settling the estate of savings bonds belonging to others: Hi Catharine, You need form PD F 1455 E. Once the form is completed, you send the PD F 1455 E form, the death certificates for both parties, a copy of the will, any OFFICIAL papers (from the court) that states that you are entitled to receive the proceeds...

Savings Bonds: Series E, dated July 4, 1976, the savings bond guru, inheriting savings bonds
the savings bond guru, inheriting savings bonds: Hello Franklin, You need to file form PD F 1455 E along with the other documents that you mentioned - along with the bonds. You can download these forms from the internet. You will be dealing with a Federal Reserve Bank and all transactions will be...

Savings Bonds: not my s.s. #, the savings bond guru, ownership of savings bonds
the savings bond guru, ownership of savings bonds: Hi Morgan, Just as long as your name is listed first on each savings bond they are rightfully yours. When you go to cash them in, the redemption agent (usually a bank) should ask for proof as to who you are. If they are doing their job correctly they...

Savings Bonds: savings bonds, the savings bond guru, replacing stolen savings bonds
the savings bond guru, replacing stolen savings bonds: Hi Trisha, If your savings bonds were stolen, you should report the matter to the police. If you want to have the bonds replaced, here is a procedure that many people use to get an “Official List” of all of their Savings Bonds along with each bond s...

Savings Bonds: savings bonds, The Savings Bond Guru, replacing missing savings bonds
The Savings Bond Guru, replacing missing savings bonds: Hello Loren, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) And, if there are Active bonds on that list, and you don t have them in your...

Savings Bonds: my savings bonds, The Savings Bond Guru
The Savings Bond Guru: Hi Whitney Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: series E bond, Savings Bond Guru, redeeming savings bonds
Savings Bond Guru, redeeming savings bonds: Hello Dorothy lee, If your name is listed as either the Owner, the Co-Owner or the Beneficiary (POD), then you have the right to redeem that bond. Bring the bond and your husband s death certificate - along with proof as to who you are - to your bank....

Savings Bonds: series e and ee, The Savings Bond Guru, return found savings bonds
The Savings Bond Guru, return found savings bonds: Hello Margaret, Savings bonds are non-transferable, registered securities. Unless your name is on those bonds, or you are the legitimate heir to the person who owned those bonds, they have no value to you. If you attempt to cash-in those bonds, you...

Savings Bonds: WWII war savings bond stamps, the savings bond guru, savings bond stamps
the savings bond guru, savings bond stamps: Hello Bill, The government DOES NOT pay interest on the stamps. They are worth exactly what you paid for them. For the amount involved, you might be better off keeping them as a mimento to show to your grandchildren (or great grandchildren). Occasionally,...

Savings Bonds: CANCELLING MY SAVING BONDS, The Savings Bond guru, savings bonds
The Savings Bond guru, savings bonds: Hi Geraldine, Since you didn t specify where the deduction was being taken, I am ASSUMING that you have a certain amount of money deducted from your paycheck that is sent to the Treasury to purchase savings bonds for you. Since you will be retiring,...

Savings Bonds: Cashed Bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Lynn, Yes, I would have to believe that the Treasury would know which banks submitted your Mother s bonds for redemption. However, I doubt that they will take the time to do this extensive research for someone with a casual request. Unless your...

Savings Bonds: Cashing savings bond and taxes, The Savings Bond Guru, savings bonds
The Savings Bond Guru, savings bonds, REISSUE savings bonds: Hi Dusty, If you cash-in (redeem) the bond, then you will be responsible to report the interest income on your federal income tax return. If you have the bond REISSUED with your son as the primary owner, it will immediately trigger a potentially taxable...

Savings Bonds: changing bonds over, The Savings Bond Guru, legal ownership of savings bonds
The Savings Bond Guru, legal ownership of savings bonds: Hi Dean, I don t want to get in the middle of a family matter, but if the government decides that they want those bonds because your daughters are collecting SSI, they can have the original bonds cancelled and obtain the cash. Also, if YOU wanted those...

Savings Bonds: Death of bond holder, The Savings Bond Guru, savings bonds
The Savings Bond Guru, savings bonds: Hello Bert, Since your Grandma survived your Mother, the savings bond belongs to the Grandmother s estate. Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom...

Savings Bonds: Deceased Spouse, The Savings Bond Guru, inheriting savings bonds
The Savings Bond Guru, inheriting savings bonds: Hi again, Sam, I am assuming that you were legally married at the time your wife passed away. Once your wife died, the bonds became part of her estate. Unless your wife was being cared for by the State of California, or she owed back taxes for one or...

Savings Bonds: Deferred Interest on HH Bonds, The Savings Bond Guru, reissuing savings bonds
The Savings Bond Guru, reissuing savings bonds: Hi Frank, I would get the REISSUE done ASAP. The interest payments will continue to go to your Mother s bank account until the Government is advised of the change. By the way, all the prior answers are predicated on the concept that the HH bonds are...

Savings Bonds: death, The Savings Bond Guru, reissuing savings bonds
The Savings Bond Guru, reissuing savings bonds: Hello John, Once the primary owner passes away, the Co-Owner (or the Beneficiary) can have the bonds REISSUED. There is one caveat to this transaction - the bonds must still be active (i. e. earning interest). At the time of REISSUE - in order to make...

Savings Bonds: EE Bonds, the savings bond guru, reissue savings bonds
the savings bond guru, reissue savings bonds: Hello Dennis, You can have your savings bonds REISSUED to REPLACE the current Beneficiary s name. The person whose name you add/replace on each bond will become the new sole owner of that bond upon your passing (demise#. Only those bonds that have...

Savings Bonds: EE Bonds, The Savings Bond Guru, savings bonds
The Savings Bond Guru, savings bonds, which bonds to buy now: Hi Barry, Series EE savings bonds purchased now will earn interest at the same rate for up to twenty years. At the end of twenty years, if the bond hasn t attained at least its face value, the government will make a one-time adjustment so that it is worth...

Savings Bonds: found old E bonds belonging to deceased parents, anwser, high horse
Savings Bonds: found old E bonds belonging to deceased parents, anwser, high horse, good question

Savings Bonds: I found Bonds, The Savings Bond Guru, finding lost savings bonds
The Savings Bond Guru, finding lost savings bonds: Hello Kyle, To the best of my knowledge the government doesn t offer any rewards for the return of lost bonds. Savings bonds are registered securities. Just because you found them it doesn t mean that you own them. They can only be cashed by the owners...

Savings Bonds: found old E bonds belonging to deceased parents, personal belongings, dept of treasury
personal belongings, dept of treasury, deceased parents: You expect me to spend my valuable time reading your extensive request and provide you with valuable information and answers to your questions yet you don t trust me enough to provide your name? You re incredible. Sorry, I don t waste my time with people...

Savings Bonds: lost bond, the savings bond guru, savings bonds
the savings bond guru, savings bonds, replace lost savings bonds: Hello Sonny, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that (a) replacement(s)...

Savings Bonds: lost bonds, The Savings Bond Guru, savings bonds
The Savings Bond Guru, savings bonds, replacing lost savings bonds: Hello Audrey, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: Old US Savings Bond, The Savings Bond Guru, replace missing savings bonds
The Savings Bond Guru, replace missing savings bonds: Hello Sarah, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: ownership of EE patriot bonds, The Savings Bond Guru, savings bonds
The Savings Bond Guru, savings bonds, legal ownership of savings bonds: Hi Joel, Savings Bonds are non-transferrable, registered securities. They can not be given to anyone without REISSUING the bonds to change the name of either the owner or the Beneficiary. Since your standing in those bonds is only legal upon the death...

Savings Bonds: POD, The Savings Bond Guru, savings bonds
The Savings Bond Guru, savings bonds: Hi Richard, I have no idea why your bank won t cash in a bond. But please know that banks are allowed to set their own standards concerning the redemption of savings bonds - especially when there are any complications. You have no recourse unless...

Savings Bonds: pod bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Patrick, You mention that you are a POD on a check. I have never heard of a check being issued with a POD. If you are suggesting that just because you were POD on a bond that has recently been cashed in, that you are entitled to cash the check?...

Savings Bonds: Re-titling bonds, The Savings Bond Guru, reissue savings bonds
The Savings Bond Guru, reissue savings bonds: Hi Kim, There is an on-line process that will assist you in completing the proper form to have those bonds REISSUED. Go to www.savingsbonds.com/reissueservice. There will be instructions that will explain how to use the on-line process which is so much...

Savings Bonds: reciept for savings bonds, the savings bond guru, replacing savings bonds
the savings bond guru, replacing savings bonds, savings bonds: Hello Brittney, Based on what you told me, I believe that you don t have the paper savings bonds. Therefore, you probably need to apply tp have the bonds replaced. Here is a procedure that many people use to get an Official List of all of their Savings...

Savings Bonds: Saving Bonds, The Savings Bond Guru, savings bonds
The Savings Bond Guru, savings bonds, safe keeping of savings bonds: Hi Sam, Who told you that your bonds were being sent to the federal reserve for safe keeping? If you were/are in the military, depending upon your branch of service, they are being held for you by your branch of service. If you are/were in the military...

Savings Bonds: US Savings Bonds, The Savings Bond Guru, replace missing savings bonds
The Savings Bond Guru, replace missing savings bonds, savings bonds: Hello Tim, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: US Savings Bonds EE, The Savings Bond Guru
The Savings Bond Guru: Hi Sonia, Usually, when the Sate is paying for a person s care, they take a survey from a relative/legal guardian as to the person s financial assets. This may have been taken quite some time ago, but the person (possibly you) who participated in that...

Savings Bonds: Social Security # on Savings Bond, The Savings Bond Guru
The Savings Bond Guru: Hello Phyllis, The primary owner s social security number should be on all savings bonds. Because you must provide a social security number when you complete an application to purchase a savings bond, in some cases, the person purchasing the savings...

Savings Bonds: saving bond, The Savings Bond Guru, cashing in savings bonds
The Savings Bond Guru, cashing in savings bonds: Hi Jacob, It would appear that you are old enough to understand the nature of the transaction - which is what is required to cash in a bond that has your name on it. If your Grandmother s name was listed as the primary (first named owner) you will probably...

Savings Bonds: saving bonds, The Savings Bond Guru, replacing lost or stolen savings bonds
The Savings Bond Guru, replacing lost or stolen savings bonds: Hello Shawna, If you are listed as the primary owner of those savings bonds, then the bonds are your property. However, if your Aunt listed herself as the CO-OWNER, then she has rights to those bonds as well. In fact, since your Aunt paid for those...

Savings Bonds: us savings bonds, The Savings Bond Guru, reissue savings bonds
The Savings Bond Guru, reissue savings bonds: Hello Tom, You can have those savings bonds REISSUED to REPLACE the current Beneficiary s name with your name. You will become the new sole owner of those bonds upon your Aunt passing away. Only those bonds that have not reached their final maturity...

Savings Bonds: Access to my Savings Bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Natalie, If those bonds have your name in the place where the primary owner s name is usually listed, then you are the owner of those bonds. If your Father s name is listed after the letters POD , your Father only has a legal right to those bonds...

Savings Bonds: Bond fraud, The Savings Bond Guru
The Savings Bond Guru: Hi Steve, This is my opinion based on the information that you presented to me: Your chances of getting restitution are excellent. If the Treasury ascertains that the bonds were indeed cashed by someone who committed a fraud, they will reimburse your...

Savings Bonds: Bonds in my Fathers name, The Savings Bond Guru, cashing in bonds belonging to another
The Savings Bond Guru, cashing in bonds belonging to another: Hello Dave, U S Savings Bonds are non-transferable REGISTERED SECURITIES. Since the bond is in your Father s name, you would be guilty of committing a felony if you tried (or even if you were successful) cashing in the bond. I suggest that you wait...

Savings Bonds: Bonds found, The Savings Bond Guru
The Savings Bond Guru: Hi Ed, Please be advised that U S Savings Bonds are registered securities. They can not just be passed around like found money. Those bonds belong to the estate of the person who owned them, or, if there is a Co-Owner or Beneficiary named on those bonds,...

Savings Bonds: b ond in ex-husbands name, The Savings Bond Guru
The Savings Bond Guru: Hello Mary, Your ex-husband is the sole owner of that bond and until he decides to change the name and/or form of registration on that bond, you have no legal grounds to dispute any thing he may do. Your husband also has the right to change the name of...

Savings Bonds: Change of Beneficiary on E and EE, The Savings Bond Guru, Reissuing savings bonds
The Savings Bond Guru, Reissuing savings bonds: Hello Fred, First, let me start off by saying that the Treasury WILL NOT allow you to REISSUE savings bonds that are beyond their respective Final Maturity dates - which is 30 years from their respective date(s) of issue. In the case of the EE bonds,...

Savings Bonds: Deferred Interest on HH Bonds, The Savings Bond Guru, inheriting HH bonds
The Savings Bond Guru, inheriting HH bonds: Hi again, Frank, No the bonds DO NOT have to be cashed in. But be very careful. You should save a separate copy of the deceased person s final tax return. When you eventually cash in those bonds, you will receive a 1099-INT for the total amount of...

Savings Bonds: EE bonds for college, The Savings Bond Guru, tax free exclsuion
The Savings Bond Guru, tax free exclsuion: Hello Marc, While of course you could use the money from those bonds to pay for college expenses. But unfortunately, neither your Grandmother, or your Father can claim the tax free exclusion . The bonds were not properly registered at the time of their...

Savings Bonds: EE Savings Bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Heather, Based on what you told me, I don t think it will be too big a problem. However, you will probably have to go back and forth with the Treasury until they understand your husband s right to those bonds based on the decision of the probate...

Savings Bonds: Finding issued bonds, The Savings Bond Guru, find missing savings bonds
The Savings Bond Guru, find missing savings bonds: Hello Robert, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: Forgotten Savings Bonds, The Savings Bond Guru, forgotten savings bonds
The Savings Bond Guru, forgotten savings bonds: Hello Tony, To the best of my knowledge, there is no place where you can obtain a list of savings bonds based on your social security number, any place on the Internet. Here is a procedure that many people use to get an Official List of all of their...

Savings Bonds: HH bond interest, The Savings Bond Guru
The Savings Bond Guru: Hello CD, 1. Yes. There were multiple issues of HH bonds at interest rates higher than 4%. 2. The highest rate ever issued for HH bonds was 7.5% and was for bonds issued from July 1984 through October 1986. However, HH bond interest rates are guaranteed...

Savings Bonds: notification of cashed savings bond, The Savings Bond Guru, 1099-INT form
The Savings Bond Guru, 1099-INT form: Hello Dave, When any redemption agent (usually a bank) redeems (cashes-in) a savings bond they are required by law to issue to the person who receives the money - a 1099-INT form. On this form is the name and social security number of the person who...

Savings Bonds: Owner Unknown, The Savings Bond Guru
The Savings Bond Guru: Hi Brent, You and your Father should be commended for trying to do the right thing. Your best bet is to just return those bonds to the government. They have different processes to locate the original owners - or their rightful heirs. In some cases...

Savings Bonds: reissuing saviings bonds into a trust, The Savings Bond Guru, REISSUING savings bonds
The Savings Bond Guru, REISSUING savings bonds: Hi Charles, Everything that I am about to tell you is predicated on the fact that the savings bonds have not yet reached Final Maturity - which is 30 years after their respective dates of issue. Why do you feel that you need to go to the trouble of moving...

Savings Bonds: Where Is my Savings Bond?, The Savings Bond Guru, replace lost savings bonds
The Savings Bond Guru, replace lost savings bonds: Hello Tamra, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: Savings bond transfer POD, The Savings Bond Guru
The Savings Bond Guru: Hello Deirdre, You can do a double name transfer which will enable your sister to become a CO-OWNER on that savings bond. Co-Owners have the same rights and privileges to cash in a savings bond as the primary owner. To avoid the creation of an immediate...

Savings Bonds: Series E Savings Bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Kevin, Since your bonds are already beyond their final maturity date, any options you might have had to avoid taxes have already expired. Your only option is to cash them in and report the interest income that your bonds have earned on your federal...

Savings Bonds: savings bond, The Savings Bond Guru, replacing lost savings bonds
The Savings Bond Guru, replacing lost savings bonds: Hello Tanika, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: Which savings bond to cash in 2010, The Savings Bond Guru
The Savings Bond Guru: Hello Mike, You have asked a number of questions. And, while I don t provide specific advice about which savings bonds to redeem, in your case I will provide you with some general suggestions: I would not redeem any series I savings bonds at all....

Savings Bonds: search for old bonds, The Savings Bond Guru, inheriting savings bonds
The Savings Bond Guru, inheriting savings bonds, recover lost or missing savings bonds: Hello J Lones, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: series E & EE bonds in the attic!, The Savings Bond Guru, reissuing savings bonds
The Savings Bond Guru, reissuing savings bonds, inheriting savings bonds: Hello Emily, Because both persons named on the bond(s) are deceased, you will need to supply two separate forms to get the money for those bonds: 1. Any bond that is beyond 29 1/2 years old since its issue date has reached its Final Maturity CAN NOT...

Savings Bonds: WRONG ADDRESS PUT ON SAVINGS BOND IN 1988, The Savings Bond Guru, missing savings bonds
The Savings Bond Guru, missing savings bonds: Hello D.D., Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: EE Bonds gifted to 529 plan, saving for college, savings bonds for tax free education
saving for college, savings bonds for tax free education: No, your daughter can not contribute these bonds TAX FREE into a 529 plan. Once the bonds are cashed-in, she will receive a 1099-INT form stating what the amount of interest received from cashing in those bonds. Therefore, this becomes a potentially taxable...

Savings Bonds: Savings Bonds, find lost savings bonds, replace lost savings bonds
find lost savings bonds, replace lost savings bonds, replace stolen savings bonds: By completing and filing the proper form with the Treasury Department, your Brother can obtain a list from them that will advise him of the status of those bonds. The list will state whether the bonds are Active, meaning they have not been cashed in yet, or...

Savings Bonds: Series EE bonds - How can you tell co-owners versus beneficiary?, savings bonds, reissue saving bonds
savings bonds, reissue saving bonds, tax free savings bonds: Hi John, I m glad to try to help you with this issue. For all of the rules and regulations required for a Savings Bond to be used for educational expenses tax free, you should visit our web page on Using Savings Bonds for Tax Free Education here: http://www.savingsbonds.com/bond_basics/education-tax-exclusion-savings-bonds.cfm...

Savings Bonds: Sibling has my savings bonds, Stolen savings bonds
Stolen savings bonds: As I answer this question, I am assuming that your brother s name is not on any of the bonds that he is holding. If your brother has a financial interest in these bonds, he may be justified in maintaining possession of them. I am also assuming that you are...

Savings Bonds: series e bonds, reissue savings bonds
reissue savings bonds: Now that your Mother has passed away, your Dad is the sole owner of those savings bonds. Unless your Father is incapable of dealing with his own affairs - as has been determined by a legal judgement - and you are his guardian, or you have Power of Attorney...

Savings Bonds: US War Savings Bonds, Series E, savings stamps, savings bond memorabilia
savings stamps, savings bond memorabilia: The value of those stamps to get the money refunded from the Treasury Department is exactly what you paid for them - 10 cents or 25 cents. Savings stamps do not earn interest. They may have more value to a collector. People sell collectible items such...

Savings Bonds: "I" Bonds with current "Rate" of 0.00%, savings bonds, savings bond interest rates
savings bonds, savings bond interest rates, I bonds interest rate: Hello Bob, While the government announces new interest rates twice each year, it doesn t actually affect existing savings bonds until the anniversary date (or the sixth month anniversary date) when the bond was originally issued. Over the next six months...

Savings Bonds: bonds, savings bond guru, inheriting savings bonds
savings bond guru, inheriting savings bonds, cashin-in savings bonds: Hi Betty, If the Mother died only two months ago, it would seem highly unusual for her FINAL tax return to have already been filed. However, taking you at your word that the FINAL return was already filed, your friend can file an amended return for...

Savings Bonds: Cashing in saving bonds, savings bonds, re-issue savings bonds
savings bonds, re-issue savings bonds, changing beneficiaries on savings bonds: Hi Alla, Your question is too general, and you haven t given me any indications as to whether you need the money or not, for me to provide any specific guidelines or advice. But one option might be to RE-ISSUE those bonds (if your savings bonds haven...

Savings Bonds: change last name of owner of bond, savings bonds, changing names on savings bonds
savings bonds, changing names on savings bonds, reissuing savings bonds: Hi Jack, If you are saying that there is only a single bond involved, and it was just recently issued, you should be able to have the bond REISSUED without any taxation issues. Go to www.savingsbonds.com/reissueservice to complete the forms to have the...

Savings Bonds: change of principal owner, savings bond guru, changing names on savings bonds
savings bond guru, changing names on savings bonds: Hello Maureen, First, please accept my most sincere sympathies on the passing of your husband. Because the primary owner (your spouse) has passed away, and you are listed as the co-owner - assuming that the bonds have not yet attained their final maturity...

Savings Bonds: deceased wife e-bond, savings bonds, redeeming savings bonds
savings bonds, redeeming savings bonds, cashing-in savings bonds: I am sorry to learn of your wife s passing away. Assuming there is no other person named on that bond (other than possibly yourself), by presenting the savings bond at your bank - along with a copy of the death certificate - you should be able to get the cash...

Savings Bonds: E Series Savings Bond, savings bonds, lost savings bonds
savings bonds, lost savings bonds, found savings bonds: Hello Carroll, The only way you can get value from that savings bond is to frame it and hang it on your wall. Savings Bonds are registered securities. Translation: The only person(s) who can get the cash from that bond is the original owner, the second...

Savings Bonds: EE bonds to Living Trust or not, the savings bond guru, reissuing bonds
the savings bond guru, reissuing bonds, inheriting bonds: Hi Bill, Savings bonds are considered to be a registered security, i.e. they can not be transferred to other persons without government intervention. I don t know why people put savings bonds into a revocable trust. The way the bond is registered insures...

Savings Bonds: minors savings bonds, ee bonds, pod
Savings Bonds: minors savings bonds, ee bonds, pod, money

Savings Bonds: my fathers old savings bonds, social security number, savings bonds
social security number, savings bonds, 3 years: Hi Rick, Before I can answer your questions, I need some additional information: Whose name and social security number is listed first on the bonds? Are there any other persons named on the bonds? Are these persons still living? What is the...

Savings Bonds: I found Savinbgs Bonds, savings bonds, inheriting savings bonds
savings bonds, inheriting savings bonds, cashing savings bonds: Hi Mark, Unfortunately, neither you nor your friend have any rights or claims to those savings bonds - they belong to the person - or their estate and/or the heirs - named on those savings bonds. U S Savings Bonds are considered to be Registered Securities....

Savings Bonds: My grandparents cashed in my savings bonds., savings bonds, missing savings bonds
savings bonds, missing savings bonds, recover lost savings bonds: Hi Leah, The first thing you need to do is find out if there ever were any savings bonds registered in your name. The Treasury maintains lists of savings bonds and their owners. You can fill out the official form on-line by linking to: www.savingsbonds.com/salespagelb.cfm...

Savings Bonds: minor redeeming savings bonds, savings bonds, redeeming savings bonds
savings bonds, redeeming savings bonds, minors redeeming savings bonds: Hi Rachel, There is no specific law that says that a minor can not redeem a savings bond issued in their name. However, the definition of minor is interpreted differently in various places in the country. The Treasury states that ... a person must...

Savings Bonds: minors savings bonds, savings bonds, cashing savings bonds
savings bonds, cashing savings bonds, cashing minor's savings bonds: Hello Vickie, Unfortunately, parents can cash in their minor children s savings bonds without the knowledge or consent of the child. The father s name being a co-owner on the bond has no bearing on this matter. This is perfectly legal. Good luck,...

Savings Bonds: Savings Bonds, savings bonds, interest earned by savings bonds
savings bonds, interest earned by savings bonds, redeeming savings bonds: The institution that cashed your savings bonds should have given you a 1099-INT statement showing the total amount of cash that you received and the interest earned by those bonds. If you didn t get such a statement - or if you lost it - that is the only...

Savings Bonds: Savings Bonds, savings bonds, taxes on savings bonds
savings bonds, taxes on savings bonds, passing savings bonds untaxed to heirs: Hi Tom, I am sorry to have to inform you that there is not too much that can be done about the taxes. You need the creativity of a Tax Attorney or a CPA. Since your Father DID NOT have either a Co-Owner or a Beneficiary named on those bonds, they should...

Savings Bonds: Savings bond questions, savings bonds, find lost savings bonds
savings bonds, find lost savings bonds, replace lost savings bonds: Hi Darain, If you don t have the paper certificates, it is highly likely that the bonds may have already been cashed in. But to find out for sure, you can request the Treasury to do a search for you. Go to www.savingsbonds.com/salespagelb.cfm Good...

Savings Bonds: Series E War bond, savings bonds. savings bond values, savings bond maturity dates
savings bonds. savings bond values, savings bond maturity dates: Hi Sarah, A series E savings bond issued in 1942 would have reached final maturity and stopped earning interest back in 1982. Depending on the denomination, it is probably worth about 5 or 6 times its face value. I don t provide cash-in values. You...

Savings Bonds: savings bond beneficiary/guardianship, savings bonds, reissue savings bonds
savings bonds, reissue savings bonds, replace names on savings bonds: Hello Cheryl, Since your Father-in-Law is your sister-in-law s legal guardian, he can do as he sees fit with those savings bonds. If he wants, he could also change his name to be the Beneficiary or Co-Owner on those bonds. To do this, he would need...

Savings Bonds: my aunt bought me a savings bond, savings bond guru, find lost savings bonds
savings bond guru, find lost savings bonds, check on missing savings bonds: Hi Jessica, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) You should submit your request/inquiry to the Treasury Department, Bureau of...

Savings Bonds: Beneficary or coowner?, reissue savings bonds, savings bonds
reissue savings bonds, savings bonds: Hello George, To have the beneficiary or co-owner names changed on those savings bonds go to www.savingsbonds.com/reissueservice. It would be best if you had these bonds reissued as soon as possible. Should something happen to you while you bonds are...

Savings Bonds: Beneficiary deceased, savings bond guru, savings bonds
savings bond guru, savings bonds, change savings bond beneficiary: Hello Bill, You are the sole owner of those savings bonds. If you don t have the bonds REISSUED with newly named beneficiaries or co-owners, upon your demise those bonds will become part of your estate - subject to probate and possibly other taxation...

Savings Bonds: I bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, gifting existing savings bonds: Hello Steven, When you purchased these bonds, did you have the names of other person s listed as either a Beneficiary (POD) or as Co-Owners? This could affect how you could pass these bonds to your son without any tax ramifications to you. The Savings...

Savings Bonds: E bonds POD, savings bond guru, changing names on savings bonds
savings bond guru, changing names on savings bonds, savings bonds: Hello Donna, Please accept my sincere condolences on the passing of your husband. You have a very good grasp of the situation. There is some good news and some bad news. The bonds that have already reached final maturity CAN NOT be reissued with...

Savings Bonds: E War Bond Series, savings bond guru, finding lost bonds
savings bond guru, finding lost bonds, missing savings bonds: Hello Esther, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: EE bonds, savings bond guru, donating savings bonds to a charity
savings bond guru, donating savings bonds to a charity: Hello again, Nancy, Because savings bonds are a non-transferable, registered security, one can not just donate savings bonds to anyone or anything. However, once you cash in the savings bonds, and subsequently donate the proceeds to a charity, you...

Savings Bonds: EE bonds and medicaid, savings bond guru, savings bonds and medicaid
savings bond guru, savings bonds and medicaid, savings bonds: Hi Sam, Sins your Aunt s name is the first named person on those bonds, then she is the 100% owner and the bonds are a countable asset for Medicaid purposes. Since the authorities are already aware of these assets, to cash them in now could lead to problems....

Savings Bonds: ee bonds, savings bond guru, reissue savings bonds
savings bond guru, reissue savings bonds, pass along savings bonds to relatives: Hello Elaine, Like many other savings bond owners, you have waited to long to do any planning - or create an Exit Strategy - for most of your Savings Bonds. Any bonds purchased (issued) prior to 1979 have already reached their final maturity date ,...

Savings Bonds: my aunt bought me a savings bond, social security administration, social security benefits
Savings Bonds: my aunt bought me a savings bond, social security administration, social security benefits, bureau of the public debt

Savings Bonds: E War Bond Series
Savings Bonds: E War Bond Series

Savings Bonds: Maturity Date on Series EE Savings Bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, EE bonds maturing: Hi Barbara, EE savings bonds issued after May 2005, have a fixed rate of interest that stays with the bond for the first 19 years and 11 months. If the bond has not attained its face value by that time, (based on the current annual interest rate of 0.70%...

Savings Bonds: Name Change, savings bond guru, reissue savings bonds
savings bond guru, reissue savings bonds, savings bonds: Hi Steve, Run, don t walk, to get your bonds REISSUED placing your ex-wife s name and social security number as the primary owner on those savings bonds. If your ex-wife were to redeem those bonds, while they were still in your name as the primary owner,...

Savings Bonds: name change on savings bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, changing primary owner name: Hello Maureen, The process to change names on savings bonds require that you complete a form to have the bonds REISSUED. However, upon changing the name of the primary owner to another person while the primary owner is still alive, will create an immediate...

Savings Bonds: Owner Deceased, savings bond guru, savings bonds
savings bond guru, savings bonds, deceased owner of savings bonds: Hello Nina, You seem to have the correct answers as to what needs to be done. However, I don t believe that they will write the check to a deceased person - unless it is an Estate Account. Good luck, good health and best wishes, The Savings Bond...

Savings Bonds: Parents have the savings bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, recover missing savings bonds: Hello Lindsay, Do you know for a fact that the savings bonds that you might THINK are there, might have already been redeemed to pay for other expenses? The first thing that you need to do is establish that the bonds have not already been cashed. If...

Savings Bonds: who pays taxes on interest on bonds?, savings bonds savings bond guru, inheriting savings bonds
savings bonds savings bond guru, inheriting savings bonds, reporting interest income on savings bo: Hello Joe, If the interest earned up to the date of death of your father was reported as interest income on his final federal income tax return, then you are only liable to report the interest income earned since the month/year that he died - up until the...

Savings Bonds: Redemption of EE bonds for kids and taxes, savings bond guru, reporting savings bond interest income
savings bond guru, reporting savings bond interest income, children's tax free exemption for savin: Hello BJ, You have a real ball of yarn here. First, you really should think about the question: Who reports the interest income? . Depending on the amount of interest income your CHILDREN received, (i am assuming that THEIR social security number...

Savings Bonds: Savings Bonds, savings bond guru, find lost savings bonds
savings bond guru, find lost savings bonds, replace lost savings bonds: Hello Amelia, The good news is that only those person s named on any of those bonds can cash them in. But first, before anyone starts making any accusations, I suggest that you find out what happened to the bonds. If your ex-husband cashed them in before...

Savings Bonds: Savings Bonds, savings bond guru, savings bond values
savings bond guru, savings bond values, savings bonds: Hello Ora, Most banks will tell you what the redemption value of your bonds are. But the amount is probably only valid for that month. Also, banks can cash in savings bonds - but they also have limitations based on the dollar amount of your bonds. ...

Savings Bonds: Savings Bonds Cashed, find missing savings bonds, savings bond guru
find missing savings bonds, savings bond guru: Hello Byron, Before you make any accusations and create bad feelings, may I suggest that you find out what has actually happened. Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s...

Savings Bonds: US Savings Bonds series E, Divorced & Deceased co-owner, savings bond guru, savings bonds
savings bond guru, savings bonds, reissue savings bonds: Hello David, I am sorry to be the bearer of bad tidings, but now that your Father is deceased, those bonds are the sole property of your Mother. Savings Bonds are non-transferable, registered securities. Since your Mother is designated as the PAY ON...

Savings Bonds: Savings bonds as an inheritance, savings bonds, the savings bond guru
savings bonds, the savings bond guru, inheriting savings bonds: Hello Elisa, Wills have absolutely no effect upon the disposition of a savings bond once the primary named owner passes away unless there are no named co-owners or beneficiaries. Who is entitled to receive those bonds - or the proceeds -once your grandmother...

Savings Bonds: Son's savings bonds,emergency need to cash!, savings bond guru, savings bonds
savings bond guru, savings bonds, why beneficiary deignation is not a good idea: The only acceptable proof would be a Death Certificate for your son. This is one of the negative things about issuing a bond with a Beneficiary designation as opposed to a Co-Owner designation. There isn t much that can be done in the short term. ...

Savings Bonds: us savings bond theft, savings bond guru, find missing savings bonds
savings bond guru, find missing savings bonds: Hello Brian, Before you get too excited, you may want to check into just how many savings bonds were ever issued in your name. Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current...

Savings Bonds: savings bonds, savings bonds, reissuing savings bonds
savings bonds, reissuing savings bonds, giving bonds to grandchildren: Hello Carol, U S Savings Bonds are considered to be non-transferable, registered, securities. This means that they can not just be transferred to anyone, nor can they be sold. However, having said that, savings bonds also have co-owners or beneficiaries...

Savings Bonds: savings bonds bought but not sent, find lost savings bonds, savings bond guru
find lost savings bonds, savings bond guru, missing savings bonds: Hello Jennifer, If your former step-father has purchased savings bonds in the name(s) of your children, you can request the Treasury to do a search for them. Here is a procedure that many people use to get an Official List of all of their Savings...

Savings Bonds: series E bonds not found, find missing bonds, locate missing bonds
find missing bonds, locate missing bonds, savingsbond guru: Hello Karen, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: series EE bonds, savings bond guru, finding lost savings bonds
savings bond guru, finding lost savings bonds, replacing lost savings bonds: Hello Gary, Here is a procedure that many people use to get an Official List of all the Savings Bonds they ever owned along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that...

Savings Bonds: Adding a P.O.D. to older EE Bonds, ee bonds, brother and sister
ee bonds, brother and sister, ss: Hello Alan, I am assuming that your Mother s name was listed first on the bond - with her SS# imprinted on each bond. Are there any other names on the bonds as of right now? Also, how many bonds are there in total? Also, what is the date on the...

Savings Bonds: Avoiding changing beneficiaries, avoiding probate, savings bond guru, passing down savings bonds
savings bond guru, passing down savings bonds, savings bonds: Hello Matt, You didn t state the date when the oldest bond was purchased. You also didn t state what the total redemption value of all the bonds are as of this month. If you can tell me the date when the oldest bond was purchased, and the approximate...

Savings Bonds: Beneficiary POD Lost Bonds, savings bond guru, replacing missing savings bonds
savings bond guru, replacing missing savings bonds, savings bonds: Hello Elaine, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: beneficiary change, savings bond guru, savings bonds
savings bond guru, savings bonds, changing beneficiary name: Hi James, Lets take the second question first: Contact the payroll department of your employer and tell them that you want to change the name of the Beneficiary on newly purchased savings bonds. The might ask that you put your request in writing. They...

Savings Bonds: Cashing bonds EE with POD on them, savings bonds, cashing bonds
savings bonds, cashing bonds, husbands name: Jenny, I prefer not to get involved with this type of question. Someone obviously bought these bonds with your children s future in mind. And now you are cashing in your beautiful children s savings bonds and they will probably never know that you stole...

Savings Bonds: Cashing Savings E Bond, bond redemption, social security number
bond redemption, social security number, valid social security number: Hello Susan, The bond belongs exclusively to your son. Since he is 18, he is considered an adult for savings bond redemption purposes. When he attempts to cash it in, the redemption agent (probably your bank) should ask him for proof of his social...

Savings Bonds: Changing owner ship of I bonds, savings bond guru, change co-owner name
savings bond guru, change co-owner name, savings bonds: Hi Tom, Yes, because your spouse is now deceased, you can reposition your name as the owner of those bonds and insert the name of another person as the Co-Owner or Beneficiary. (I always suggest using Co-Owner since it provides greater flexibility should...

Savings Bonds: Changing of rate on savings bonds???, savings bond guru, savings bonds
savings bond guru, savings bonds, series EE interest rates: Hello again, Jane, Beginning in May of 2005, newly issued series EE bonds will earn a FIXED RATE of interest for the first 19 years and 11 months. Upon the attainment of the bond s 20th anniversary, IF the bond has not reached its FACE VALUE, then the...

Savings Bonds: cashing bonds, savings bond guru
savings bond guru: Hello Dena, You didn t say how old your children are, but I get the impression that they are too young to understand the nature of this transaction. You also didn t say what your relationship is with your soon-to-be-x mother-in-law. Perhaps she would...

Savings Bonds: co-owner EE and I bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, children reporting interest: Hello Ernest, Unfortunately, you are the victim of a well-intended bank teller giving bad advice. The correct thing to do was to purchase savings bonds in your children s names, using their SS#, and listing yourself as either a Co-Owner or a Beneficiary....

Savings Bonds: My daughters bonds, savings bond guru, locate missing savings bonds
savings bond guru, locate missing savings bonds, replace lost or stolen bonds: Hello Ethan, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: E and EE Bonds, savings bond guru, reissuing savings bonds
savings bond guru, reissuing savings bonds: Hi Gary, Q1 - A. Your Mother should take the bonds - along with an original death certificate for your Father and take them to the bank and cash them in. She should probably wait a few more months and then cash in the remainder of the bonds that will mature...

Savings Bonds: EE bond issued June 1994, taxation issues, ee bond
taxation issues, ee bond, savings bond: Hello Ed, Yes. You can change that existing bond to add either a new Co-Owner [or Beneficiary]. That new person whose name you add will then become the sole owner of your bonds upon your passing away. There are no taxation issues with this type of...

Savings Bonds: Finding saving bonds where SS # was not put on them, savings bond guru, reissuing savings bonds
savings bond guru, reissuing savings bonds: Hello Lisa, While you did not specifically say so, I am assuming that the bonds are missing. Right? The government began putting social security numbers on savings bonds back in 1974. Since then, all savings bonds are REQUIRED to have a SS# on it....

Savings Bonds: Can I find out how many bonds I have?, savings bond guru, find missing savings bonds
savings bond guru, find missing savings bonds, replace missing savings bonds: Hello Latoya, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: futre rates on 12/93 ee bonds, series ee savings bonds, ee savings bonds
series ee savings bonds, ee savings bonds, ee bonds: Hello Barry, I don t know where you received the information of a 4% guaranteed rate for a bond issued in December of 1993. I am not aware that there is a guaranteed rate of 4%. To the best of my knowledge there was no guaranteed rate in that timne period...

Savings Bonds: incorrectly spelled surname, savings bond, new bond
savings bond, new bond, surname: Hello Barbara, In general, the Treasury will not reissue a savings bond for a misspelled name unless it so far different from the real name as to make it illegible. I don t think that it is necessary to request a new bond, but if it makes you feel better,...

Savings Bonds: interest on savings bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, reporting interest income earned on savings bonds: Hello Paul, Based on what you have told me, the wife s estate is responsible to report the interest earned on those savings bonds since she became the owner UNLESS there is either a Co-Owner or a Beneficiary. If there is (a co-owner or beneficiary),...

Savings Bonds: lost savings bonds, savings bond guru, replace lost savings bonds
savings bond guru, replace lost savings bonds, savings bonds: Hello Sharon, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: Mother Won't Give Us Our Bonds, savings bonds, savings bond guru
savings bonds, savings bond guru: Hello Nancy, Your are correct in your thinking that IF some of those bonds have your name imprinted on them as either the co-owner or beneficiary, you are now the sole owner of those bonds. You may want to call the government and ask them what you...

Savings Bonds: Mothers saving bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, finding lost savings bonds: Hello Ms. Pike, I notice that you are a resident of the UK. I trust that you are inquiring about U S Savings Bonds. Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s)...

Savings Bonds: Removind EE bond Beneficiary & adding Co-owner, savings bond guru, children redeeming savings bonds
savings bond guru, children redeeming savings bonds, savings bonds: Hello Patsy, In order to have the bonds REISSUED with new Co-Owner names, you will need to file separate forms for each child/grouping of bonds. You can find an on-line service at: http://www.SavingsBonds.com/ReissueService None of these reissuings...

Savings Bonds: retitle EE bonds and influence of probate, ee bonds, maturity dates
ee bonds, maturity dates, brother sister: Hello Annie, As far as you being able to have the bonds REISSUED (retitled) in your names that should be possible. As far as the other questions about probate, these are legal questions which I am not qualified - or legallyy allowed - to answer...

Savings Bonds: Savings Bond, savings bond guru, replace missing savings bonds
savings bond guru, replace missing savings bonds: Hello Michael, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be...

Savings Bonds: Savings Bond death of co-owner, savings bond guru, savings bonds
savings bond guru, savings bonds, receiving proceeds from deceased parent: Hello, I would imagine that you will eventually receive the proceeds from these bonds, but it will be a bit of a chore for you since you cannot locate the other person who is named on the bonds. But by regulation, if that other person named on the...

Savings Bonds: Savings bonds and probate, ee bonds, proper paperwork
ee bonds, proper paperwork, line of succession: Hi Matt, Yes, I remember your situation. Please realize that I cannot be held responsible for what FRB personel said to you. Nor do I wish to become a shuttlecock in this game. What I said to you in my first response was that without a living Beneficiary...

Savings Bonds: saving bonds ee series, savings bond guru, savings bonds
savings bond guru, savings bonds, replacing lost savings bonds: Hello Lillie, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: selling bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, transferring savings bonds: Hello Eddie, U S Savings Bonds are non-transferable, registered securities. The only way/place you can sell them is back to the government. The process is called redemption and can only be done with an authorized redemption agent - such as a bank - for...

Savings Bonds: series ee bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, using savings bonds for education: Hello Kristen, Since you have about $25,000.00 in savings bonds for your daughter s expenses, there isn t too much that can be done. Had you been reporting the interest earned by those savings bonds every year, your daughter could have avoided reporting...

Savings Bonds: turning in savings bonds, savings bond guru, savings bond interest
savings bond guru, savings bond interest, compound interest for savings bonds: Hi Emily, I am so glad that you decided to contact me BEFORE you cashed in your bonds. Whoever is telling you to cash them in NOW is giving you some very poor advice. Savings bonds earn Compound Interest. To explain this as simple as I can - the...

Savings Bonds: war bonds, cashing in a savings bond, war bonds
cashing in a savings bond, war bonds, gray area: Hello D etta, While this is an individual decision by the redemption agent (the bank) as to whether they will redeem them or not, your children would seem to be of an age where they can understand the transaction of cashing in a savings bond and receiving...

Savings Bonds: 1983 Savings Bond, savings bond guru, savings bonds
savings bond guru, savings bonds, compound interest on savings bonds: Hello Nina, At this time, the bond still has another 5 years of interest earnings. In my opinion it would be unwise to redeem the bond now. Because savings bonds earn compound interest, that bond is growing very rapidly. Now are the best years of interet...

Savings Bonds: bonds and safekeeping, savings bond guru, savings bond payroll deduction plan
savings bond guru, savings bond payroll deduction plan: Hello Eric, Apparently you ENROLLED in a program where your employer (the Marine Corp), will take $100.00 each pay and purchase a savings bond for you. The Marine Corp will also place the bond into the Safe Keeping program for you. Anytime you like,...

Savings Bonds: Cashing Bonds, series ee savings bonds, series hh bonds
series ee savings bonds, series hh bonds, ee savings bonds: Hello Chuck, I believe that I was quite thorough with my initial response. Yes, there are a number of ways that you could offset the interest income that you will receive once the bonds are redeemed. These explanations are way too lengthy and complicated...

Savings Bonds: Cashing in I bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, redeeming savings bonds: Hello Linda, Either person can cash in those bonds without advising the other. Of course, the person cashing in the bond(s) will receive a 1099-INT that will show the total redemption value and that portion that is the interest amount earned by the bonds....

Savings Bonds: Cashing of bonds of deceased parents, savings bond guru, checking up on savings bonds owned by parents
savings bond guru, checking up on savings bonds owned by parents, savings bonds: Hello Catherine, First, you are asking me a question of legality. Please be advised that I do not usually get into legal matters. But I will provide you with some basic logic to get your arms around this problem. Savings bonds do not fall into the...

Savings Bonds: How do I cash this bond?, savings bond guru, savings bonds
savings bond guru, savings bonds: Hello Chris, This bond matured in 1954. Unless you are somehow related to Lulu Frank, I don t see how you have any standing in this bond. I suggest you mail a copy of the bond to the Federal Reserve Bank. Their address is; Federal Reserve Bank of...

Savings Bonds: cashing savings bond, savings bond guru, cashing minor's savings bonds
savings bond guru, cashing minor's savings bonds, savings bonds: Hello Liz, If you are listed as the Co-Owner - the designation on the bond will say OR or and - then you can cash the bond(s). If three letters POD (which means Pay On Death) are in front of your name, then you may have a more difficult time cashing...

Savings Bonds: Deceased parent (s), savings bond guru, savings bonds
savings bond guru, savings bonds, inheriting savings bonds: Hello Carole, Yes, you can report the interest earned by those bonds up until your Mother s death on her final federal income tax return without redeeming them. Yes, you can have the bonds REISSUED to you. You would be responsible to report the interest...

Savings Bonds: Distribution of Savings Bonds, savings bond guru, inheriting savings bonds
savings bond guru, inheriting savings bonds: Hello Diane, I am assuming that there are no other living persons named on those bonds. If there are names on those bonds other than either of the deceased, those bonds are their sole property and should be turned over to them ASAP. (Of course, get a...

Savings Bonds: deceased bonds found for parents after estate closed, savings bond guru, savings bonds
savings bond guru, savings bonds: Hello Becky, Because you were the executor of the estate, only you can cash that bond. You need to take the documents proving that you are the executor, along with the death certificates, and the savings bond, to the bank. They will cash the bond - which...

Savings Bonds: divorce/kids bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, ownership of savings bonds: Hi Cathy, What you are asking for is a legal opinion, and while I usually don t go there, this looks like on obvious case of who is the rightful owner. Based on my understanding of the legalities surrounding ownership of savings bonds, those bonds are...

Savings Bonds: EE Bonds from 2/1984 thru ???, savings bond guru, rightful ownership of savings bonds
savings bond guru, rightful ownership of savings bonds, savings bonds: Hi Shelby, The day your Grandmother passed away, those bonds on which you were designated as the POD became your sole exclusive, property. You may wish to explain to whomever is withholding your bonds that they are dangerously close to committing a felony....

Savings Bonds: bonds and safekeeping, thrift savings plan, savings bonds
Savings Bonds: bonds and safekeeping, thrift savings plan, savings bonds, paymaster

Savings Bonds: LOST EE BONDS, savings bond guru, find lost savings bonds
savings bond guru, find lost savings bonds, replace missing savings bonds: Hi Jennifer, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be...

Savings Bonds: Looking for old bonds, savings bond guru, find missing savings bonds
savings bond guru, find missing savings bonds, replace lost savings bonds: Hello Rebecca, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: Lost EE series bonds, savings bond guru, replace missing savings bonds
savings bond guru, replace missing savings bonds, find missing savings bonds: Hello Linnell, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be...

Savings Bonds: lost saving bonds, replace missing savings bonds, savings bond guru
replace missing savings bonds, savings bond guru: Hello Anthony, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be...

Savings Bonds: lost savings bonds, social security numbers, social security number
social security numbers, social security number, savings bonds: Hello Stephanie, Depending upon how the names and social security numbers are arranged on those savings bonds will determine whether you can cash them in without your grandparents consent. If your name is listed as the first named owner, with your social...

Savings Bonds: Owner and Beneficiary, savings bond guru, inheriting savings bonds
savings bond guru, inheriting savings bonds: Hello Kim, As the surviving spouse, and assuming no one else is making a claim to that savings bond as a part of your Grandfather s estate, your step Grandmother needs to do is bring the bond - along with the death certificates for BOTH your Grandfather...

Savings Bonds: Redeeming EE Bonds Without Having Possession of the Certificates, savings bond guru, holding worthless certificates
savings bond guru, holding worthless certificates, replace missing bonds: Hello James, If the bonds were issued with your Mother listed as the primary owner, and her Social security number was at the top of each bond, then she is the actual owner. She does not need your permission to redeem those bonds. She could have applied...

Savings Bonds: Reissue large number of bonds, savings bond guru, reissue savings bonds
savings bond guru, reissue savings bonds, changing names on savings bonds: Hello Dave, First, please be advised that U S Savings Bonds are non-transferrable, registered securities. If you send them via the mail or FEDEX or UPS and they get lost, no one should be able to redeem them. Generally, when you attempt to redeem (cash-in)...

Savings Bonds: Savings Bonds question, savings bond guru, savings bonds
savings bond guru, savings bonds, locate missing savings bonds: Hello Alex, Q1. Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: Savings bonds in probate, savings bond guru, savings bonds
savings bond guru, savings bonds, rights to savings bonds: Hello Mary, First, please be advised that U S Savings Bonds are non-transferrable, registered securities. The rules state that since your husband PRE-deceased his cousin, and since the bonds were never re-issued with a new beneficiary, the bonds now...

Savings Bonds: saving bond found in an estate auction purchase, savings bond guru, finding savings bonds
savings bond guru, finding savings bonds, savings bonds are registered security: Hi Jason, U S Savings Bonds are non-transferable, registered securities. Unless you can prove that you are related to the person named on the bonds, you could get in serious trouble if you attempt to cash in those bonds. The FBI investigates any fraudulent...

Savings Bonds: bonds issued, savings bond guru, savings bonds
savings bond guru, savings bonds, find missing savings bonds: Hello Susan, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: Cashing my mothers EE bonds, savings bond guru, cashing in savings bonds
savings bond guru, cashing in savings bonds: Hi Mary, The bank is wrong. They are taking a situation very literally when they say whoever cashes the bond gets the 1099-INT. I suggest that you retuen to the bank and speak with a manager and explain the situation. He/she should understand that...

Savings Bonds: Cashing Savings Bonds with POA, savings bond guru, cashing in savings bonds with POA
savings bond guru, cashing in savings bonds with POA: Hello Joseph, I am truly sorry to learn about your wife s medical misfortune. There are no standard rules for cashing savings bonds where the primary owner is not present for the actual transactions. You will have to abide by the rules of Country...

Savings Bonds: cashing saving bonds from deceased, savings bond guru, inherited savings bonds
savings bond guru, inherited savings bonds, redeeming inherited savings bonds: Hello Patti, First, are there names of any other persons on any of the bonds? Second, are you or your brother named as Beneficiaries (POD) or Co-Owners (And OR)? Is there any other person named as the Executor of their Will(s)? Are either you and/or...

Savings Bonds: cashing savings bonds, savings bond guru, cashing in savings bonds
savings bond guru, cashing in savings bonds: Hello Joan, Just as long as your name is listed as the first name on all those bonds, you can cash them in. Just be certain to bring along proof of your married name (an old driver s license, a copy of the marriage license, a copy of the divorce decree,...

Savings Bonds: cd's and bonds from deceased parents, savings bond guru, find missing bonds
savings bond guru, find missing bonds: Hi Rebecca, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: How to determine if and when ee bonds were cashed?, savings bond guru, savings bonds
savings bond guru, savings bonds, missing savings bonds: Hello Stacie, Here is a procedure that many people use to get an Official List of all of their Savings Bonds - or bonds in other person s name(s) with whom you have a legal relationship - along with each bond s current status. (i. e. Active or Cashed.)...

Savings Bonds: EE, savings bond guru, ownership of savings bonds
savings bond guru, ownership of savings bonds: Hi Lucy, Those bonds belong to you without regard to any agreements that may have been made. U S Savings Bonds are non-transferable, registered securities. Only the persons whose name(s) appear on the bonds have any standing (rights) to them. Further,...

Savings Bonds: Name Change and DOD bonds, savings bond guru, savings bonds
savings bond guru, savings bonds, reissuing savings bonds: Hello Kat, I believe that you meant that you received the bonds because you are the POD not the DOD. Yes, you should have those bonds REISSUED and have your name placed as the primary owner - with your SS# - at the top of each bond. At that same time,...

Savings Bonds: ownership of bonds, savings bond guru, savings bond ownership
savings bond guru, savings bond ownership: Hi Barb, While you didn t state one way or the other, I am assuming that your Father either paid for the bonds with his own money - or maybe he inherited them. Naming your Brother as the Co-Owner was a gesture your Father probably made so that when he...

Savings Bonds: POD - cash bonds?, savings bond guru, savings bonds
savings bond guru, savings bonds, cashing in deceased owner's savings bonds: Hello Judy, Pleases accept my sincere condolences on the death of both of your parents in such a short period of time. Yes, your Dad is mainly correct. Assuming that you have no other person s who are going to make a claim on the estate of your Father,...

Savings Bonds: Redeeming Series EE Bonds, savings bond guru, cashing in savings bonds
savings bond guru, cashing in savings bonds: Hello Kelly, Banks do not have to adhere to any particular rules about whether or not to redeem savings bonds - especially where the person seeking to redeem the bonds is not listed as the owner or a co-owner or a beneficiary. What the bank probably...

Savings Bonds: Savings Bond tax, savings bond guru, reporting interest income
savings bond guru, reporting interest income: Hi Phyllis, Because YOU received the proceeds, you should have reported the interest income on your tax return back in 2007. Unfortunately, the person who redeemed the bond must have inserted your Aunt s SS# on the 1099-INT form which is given to the...

Savings Bonds: Savings Bonds, savings bond guru, who can cash the bonds
savings bond guru, who can cash the bonds: Hello Bidget, If you are listed as either the primary owner or the co-owner, you can cash in the bonds at any time. If you are listed as the second person named on the bond, and the letters POD are before your name, you will have to wait until the person...

Savings Bonds: Series EE savings bonds, savings bond guru, bonds without a beneficiary
savings bond guru, bonds without a beneficiary, savings bonds: Hello Pamela, Under the social security number and name there may be another person s name. If the area is blank, then there is no Beneficiary (or Co-Owner). Bonds can be issued without a named Beneficiary (or Co-Owner). When the primary named owner...

Savings Bonds: us savings bond, savings bond guru, savings stamps
savings bond guru, savings stamps: Hi Russell, The stamps were probably pasted into a book. When you saved the amount required to purchase a savings bond, the book of stamps would be turned over to a bank and a bond would be issued. Unfortunately, the government doesn t keep track of...

Savings Bonds: settling an estate consisting of savings bonds only, savings bond guru, savings bonds
savings bond guru, savings bonds, death of primary owner: Hello Janet, First things first: U S Savings Bonds are non-transferrable, registered securities. Having said that, you niece first needs to determine the ownership issue as to who owns those savings bonds now that her Mother has passed away. A Will...

Savings Bonds: Tax liability when cashing bonds of deceased, savings bond guru, inheriting savings bonds
savings bond guru, inheriting savings bonds, matured savings bonds: Hello Shanon, You actually have a few different questions in here. This is somewhat difficult to explain, but I will answer them one at a time. Those bonds that have reached Final Maturity stopped earning additional interest once they reached their...

Savings Bonds: Cashing POD bonds before death, The Savings Bond Guru
The Savings Bond Guru: Hello Phyllis, You MIGHT be able to cash-in those bonds as the caregiver/guardian for the children. If you can get the bonds redeemed it will most likely be under your name and social security number and that is probably the ss# on the 1099-INT that you...

Savings Bonds: Co-ownership of EE Bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Mr Hernandez, Assuming that none of those bonds are more than 30 years old, you need to obtain and complete form PD F 4000 which can be downloaded from many Internet sites. There is also a service - available on the Internet - that you can access...

Savings Bonds: Education and Series I bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Paul, Grandparents and grandchildren are not eligible for this benefit. Only parents are eligible for this benefit, and only after qualifying. To learn more about this tax free education benefit go to: http://www.savingsbonds.com/bond_basics/education-tax-exclusion-savings-bonds.cf...

Savings Bonds: LOST SAVING BONDS, The Savings Bond Guru
The Savings Bond Guru: Hello Donde, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: lost "war" bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Janet, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: Need to retrieve information about bonds I cashed. Is it possible?, The Savings Bond Guru
The Savings Bond Guru: Hello Tim, When you cash-in savings bonds you usually receive a 1009-INT statement from the redemption agent (probably your bank). If you didn t receive a 1009-INT at the time of redemption, you should receive one from whomever cashed the bonds before...

Savings Bonds: who owns the US SAVINGs BOND, The Savings Bond Guru
The Savings Bond Guru: Hello Arthur, I am not licensed to dispense legal or tax advice. Those bonds with the children s name(s) listed first are their sole property. They are not reportable on a tax return unless they choose to cash them in. Please no follow ups on your...

Savings Bonds: POD is ex-wife, ee series savings bonds, maturity date
ee series savings bonds, maturity date, co owner: Hello Randy, You can have your savings bonds REISSUED to ADD or REPLACE a current Beneficiary or Co-Owner name. The person whose name you add/replace on each bond will become the new sole owner of those bond upon your passing (demise). Only those...

Savings Bonds: POD when owner and POD are deceased, the Savings Bond Guru
the Savings Bond Guru: Hello Dan, Because your Mother pre-deceased your brother, neither she nor her estate have any standing in savings bonds with your brother listed as the primary owner. But you will need to prove that your Mother is deceased by an official (raised seal)...

Savings Bonds: Savings bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Cody, Just as long as you are of sufficient knowledge as to the nature of the transaction - as judged by the representative of the redeeming institution - (usually a bank), as long as your name is listed as the primary owner, you should be able to...

Savings Bonds: Stolen savings bonds, The Savings Bond Guru. replace lost savings bonds
The Savings Bond Guru. replace lost savings bonds: Hello Tyree, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: savings bonds and 1099 int., The Savings Bond Guru
The Savings Bond Guru: Hello Chris, So long as your Mother-in-Law is still alive, those bonds are solely her property. Your wife has no standing in those bonds until her Mother passes away. If your wife has POA over her Mother, and your wife cashes in those bonds, then she...

Savings Bonds: savings bonds, The Savings Bond Guiru
The Savings Bond Guiru: Hello Mary Jo, Unless your name is listed as either the primary (first named) owner or a Co-Owner, you have no legal standing in those bonds. Why not just send them to your niece and nephew. It might be a way to break the ice to re-establish good...

Savings Bonds: stolen savings bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Diane, Since savings bonds are a non-transferable registered security, it is highly unlikely that any one other than you will be able to cash those savings bonds. However, even if someone is able to cash in those bonds, the government will still...

Savings Bonds: Armed Forces Bond WW2, The Savings Bond Guru
The Savings Bond Guru: Hello Dana, I have not heard of such a bond. Does it have any letters in any of the corners such as E ? That would make it a series E bond that would be worth 6 or 7 times the face value printed on the bond. If there are no letters, try calling...

Savings Bonds: I bond interest rate, The Savings Bond Guru
The Savings Bond Guru: Hello Lydia, The Treasury announced a temporary suspension of interest for six months on series I savings bonds effective May 1, 2009. However, the suspension did not take effect until the anniversary date of when your savings bonds were issued - or...

Savings Bonds: Cashing a bond, The Savings Bond Guru
The Savings Bond Guru: Hello Rich, The way the bonds are registered, only your grandmother can cash-in (redeem) the bonds. As such, the 1099-INT will be issued in her name and she will be responsible to report the interest income on her federal income tax return. In that situation,...

Savings Bonds: EE Bond Transfers to Living Trust, revocable living trust, ee bonds
revocable living trust, ee bonds, ee bond: Hello Paul, Why do you want to transfer your bonds into a revocable living trust? Why not just have the bonds REISSUED with your name as the first named owner on the bond(s) and that person who you want to have the bonds upon your passing listed as either...

Savings Bonds: EE Savings Bonds in name of trustee, ee savings bonds, adequate proof
ee savings bonds, adequate proof, ttee: Hello Julie, I apologize for not getting back to you sooner, but I have been busy contending with a large accumulation of snow. I am sorry that I don t have sufficient knowledge to speak about savings bonds in a trust. I can say that your father signing...

Savings Bonds: EE Series Bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Veronica, This is not an issue concerning savings bonds. This has to do with the legalities concerning inheritance and the rights of relatives and heirs. I am not learned in this area to be able to provide guidance in this area. I suggest...

Savings Bonds: EE Bond Transfers to Living Trust, savings bonds, 2 names
Savings Bonds: EE Bond Transfers to Living Trust, savings bonds, 2 names, revocable trust

Savings Bonds: HH Bonds, hh bonds, us treasury
hh bonds, us treasury, bond issues: Hello Judy, I am not a government employee. I am an expert concerning savings bond issues. I can help you, but I charge a fee for the kind of in-depth financial advice that you require. You are correct in that there is going to be a big tax hit ,...

Savings Bonds: missing ee bonds, bureau of the public debt, ee bonds
bureau of the public debt, ee bonds, social security number: Hello Gary, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: Who owns these bonds?, The Savings Bond Guru
The Savings Bond Guru: Hello Kathleen, The simple answer is - assuming that there were no other persons named on those bonds - the bonds belong to your deceased brother s estate. Assuming that your sister has taken it upon herself to be the executrix of your brother s estate,...

Savings Bonds: Reissue in son's name, The Savings Bond Guru
The Savings Bond Guru: Hello Richard, You CAN NOT just transfer those savings bonds to your son without incurring possible taxable implications for yourself. If they are EE bonds, (you CAN NOT REISSUE I bonds without a person named on the bonds passing away, or a divorce...

Savings Bonds: Spouse's savings bonds, Thye Savings Bond Guru
Thye Savings Bond Guru: Hello Cindy, If your name is not stated on those bonds, you have no legal standing to redeem them. Since his daughters name is listed as POD, upon the death of your husband, she becomes the sole owner of those bonds. You have not provided sufficient...

Savings Bonds: saving bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Ryan, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: series EE bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Maryann, Your attorney is correct when he says that you must pay inheritance taxes on the value of the bonds as of the month/year when your Mother passed away. However, this situation could have been avoided if you had your name placed on the bonds...

Savings Bonds: Transfer bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Kathy, You need to complete a form to have those bonds REISSUED under your husband s name. Because this is a court approved transfer, there probably will not be any tax implications. Be certain that you indicate on the form that this transfer...

Savings Bonds: Tsf bonds into a trust, The Savings Bond Guru
The Savings Bond Guru: Hello Ellen, This is a costly, unnecessary expense to transfer the bonds into a Trust. Trusts are usually set up to avoid keeping an asset from being subject to probate upon the passing of the grantor of the Trust. This could help avoid the payment...

Savings Bonds: adding a beneficiary to savings bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Diana, If there are no existing Beneficiary OR Co-Owner names on an existing bond(s), the process is quite simple. Go on-line to www.savingsbonds.com/REISSUESERVICE. There you will find all the instructions to complete the required Treasury...

Savings Bonds: us bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Nancy, It is important as to who passed away first - your ex-husband or your son. If your ex-husband was the first to die, then any bonds belonging to your husband (or had his name somewhere on each bond), that also had your son s name on them belong...

Savings Bonds: Cashing savings bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Debra, While doing good in one way to the various relatives to whom she is bequeathing her savings bonds, she has made it somewhat difficult for each person to receive their intended property. Each person involved must complete form PDF 5336 and...

Savings Bonds: cashing saving bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Julie, Ther is no such thing as signing over bonds to another party. The government will not recognize you as a party having any legal standing in those bonds. Unfortunately, since your husband never had the bonds REISSUED with your name as...

Savings Bonds: can creditors tell i have savings bonds?, The Savings Bond Guru
The Savings Bond Guru: Hello Erin, Savings Bonds are not typically on any public listing as belonging to any individual. In fact, in a case where I asked Treasury for a list of savings bond owners - under the Freedom Of Information Act (FOIA) - I was denied access to such a...

Savings Bonds: Inherited Savings Bonds, ee us savings bonds, safe deposit box
ee us savings bonds, safe deposit box, law and jurisdiction: Hello Kat, I am sorry, but I can not answer your questions. First and foremost I am not an attorney. Second, I am not trained as an attorney. Your questions involve matters of law and jurisdiction of the courts. These are not savings bond questions....

Savings Bonds: No idea about savings bond, The Savings Bond Guru
The Savings Bond Guru: Hello Dorissa, You must wait at least one year from its original issue date (printed on the face of the bond), before you can cash it in (redeem it). If it is an EE bond you will receive a little more than 1/2 the face value and a few cents more. If it...

Savings Bonds: lost savings bond, The Savings Bond Guru
The Savings Bond Guru: Hello Kenya, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: who owns the bond series EE, The Savings Bond Guru
The Savings Bond Guru: Hello Deb, Social security numbers are less important than the name imprinted on each bond in the PRIMARY OWNER S name area. (The first name listed on the bond.) Those bonds are the property of your son. I wouldn t attempt to deceive the SS Administration....

Savings Bonds: please help, The Savings Bond Guru
The Savings Bond Guru: Hello Christine, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you...

Savings Bonds: Right to Savings Bonds?, The Savings Bond Guru
The Savings Bond Guru: Hello joan, Generally speaking, unless your name is listed on the bond(s), you have no legal right to them. However, in consideration of all the facts that you have stated in your inquiry, it is possible that you are entitled to half of those bonds....

Savings Bonds: redeeming ee bonds-POD, The Savings Bond Guru
The Savings Bond Guru: Hello Kim, Either you or your Mother must declare the interest income earned by that bond up until her date of death. You should consult with whomever is filing your Mother s final Federal Income Tax Return to determine whether the interest income should...

Savings Bonds: Savings bond interest, The Savings Bond Guru
The Savings Bond Guru: Hello Ang, What you are asking are essentially tax questions. I am not licensed to provide tax advice. However, having said that, please know that generally speaking, you are not permitted to report taxable income received in a current tax year on a...

Savings Bonds: Series EE Strategies, The Savings Bond Guru
The Savings Bond Guru: Hello Chris, I don t answer questions about Savings Bond strategies on this (AllExperts) site since that is part of how I earn my living. There are a few things that you could do to pre-empt the inevitable tax situation for your Mother, but that would...

Savings Bonds: savings bond, The Savings Bond Guru
The Savings Bond Guru: Hello again, Nancy, Since your ex-husband was the second person to die, those savings bonds with his name on them belong to his estate. You should do the right thing and turn over those bonds to the person handling his estate. For you to do otherwise...

Savings Bonds: savings bonds after death, The Savings Bond Guru
The Savings Bond Guru: Hello Theresa, I am so sorry to learn about your loss. You will need to file a form for each child who will be named as the new owners of your deceased daughter s savings bonds. If you request to have the bonds placed in the names of each of the surviving...

Savings Bonds: Uncle left E Bonds to three heirs, The Savings Bond Guru
The Savings Bond Guru: Hello Anne, Are there any other relatives who are closer to your Uncle, (via lineage), than you or your 2 cousins? You say that there was no will, what gives you and your cousins the rights to those bonds before any other relatives? The bonds can not...

Savings Bonds: Have Bonds Been Redeemed?, The savings Bond Guru
The savings Bond Guru: Hello Pam, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: bonds, The Savings Bond Guru
The Savings Bond Guru: Hello James, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Nancy, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: bonds, bureau of the public debt, social security number
bureau of the public debt, social security number, treasury department bureau: Hello Francisco, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you...

Savings Bonds: Change I bond ownership, The Savings Bond Guru
The Savings Bond Guru: Hello Donna, If there are others named as either a co-owner or beneficiary, and if they are still alive and they are not divorced from you, then you can not make any changes to those bonds. If your name is the only name on the bond(s), then you can add...

Savings Bonds: change beneficiary on EE Savings Bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Toni, You need to go through a process that is titled REISSUING. You complete a form (on-line) and then you need to have the forms notarized. You then MAIL the forms and the existing bonds to the address on the envelop that will be provided. ...

Savings Bonds: changing name on EE bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Lois, You need to complete the proper forms to request the Treasury Department to replace the name of the existing person with the new name. If you are changing the primary owner s name, this becomes a potentially taxable event. If you are changing...

Savings Bonds: death of owner, The Savings Bond Guru
The Savings Bond Guru: Hello Michelle, Because your Mother has passed away, you can have YOUR name moved up to be the primary owner. You can also place a new Beneficiary or a new Co-Owner name on each one of those bonds. You can not put your sister s name on any bond...

Savings Bonds: finding ou if I have a Saving Bond, The Savings Bond Guru
The Savings Bond Guru: Hello Sharon, That bond stopped earning interest 3 years ago. But if it hasn t been cashed-in yet, it is probably worth about 5 or 6 times its face value of $50.00. Here is a procedure that many people use to get an Official List of all of their Savings...

Savings Bonds: Lost US Savings bond, The Savings Bond Guru
The Savings Bond Guru: Hello Henry, You probably want to get that bond replaced. It is probably worth 6 or 7 times its face value. That bond stopped earning interest in 1997. The following is a procedure that many people use to get an Official List of all of their Savings...

Savings Bonds: Selling bonds privately, the Savings Bond guru
the Savings Bond guru: Hello Douglass, Savings Bonds are classified as non-transferable, registered securities. Translation: No you can not sell the bonds to your sister. Depending upon the ages of you and your sister, (if you are both over 17 years of age), and if the savings...

Savings Bonds: A Stranger's Series E Savings Bond, The Savings Bond Guru
The Savings Bond Guru: Hello Petra, U S Saviings Bonds are non-transferable, registered securities. They belong to the heirs of the estate of the second person to die - whose name appears on the bonds. You can not legally claim them and you certainly cannot attempt to cash...

Savings Bonds: Tax Responsibility on Redeemed HH Bonds, The Savings Bond Guru
The Savings Bond Guru: Hi Cheryl, The reason that your parents made the exchange to HH bonds was to avoid having to report the interest income accrued (on the bonds that were used in the exchange), and defer the reporting of the interest on their tax return. Now that the HH...

Savings Bonds: bonds, series i bonds, ee bonds
series i bonds, ee bonds, interest bonds: Hello Ida, You have many questions, and I will attempt to answer them. In my opinion, savings bonds are a more dependable, reliable, investment. You will never lose any of your principal and you can t lose any interest - once it is posted. You can...

Savings Bonds: Cashing EE/E series with POD, The Savings Bond Guru
The Savings Bond Guru: Hi Natalie, If your name and SS# are the first name on those savings bonds, then you are the primary owner. If someone else is named as a BENEFICIARY, (not a Co-Owner) then that person only has a legal interest in those bonds after you are deceased. ...

Savings Bonds: confirming i-bond purchase, bank receipt, social security number
bank receipt, social security number, electronic program: Hi Steve, Did you enroll in the government s electronic program or were you expecting paper bonds? You exceeded the yearly allowable limit of $5,000 per person/social security number by a considerable sum. If I were you, I would take a trip back to...

Savings Bonds: inherited EE bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Sheila, Sorry for the delay in getting back to you. You need to obtain form PDF 4000 to have those bonds reissued in your name. You can use an on-line service that will make the job much easier for you. link to www.savingsbonds.com/reissueservice...

Savings Bonds: Lost or stolen savings bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Karen, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: Reissue of bonds due to divorce, The Savings Bond Guru
The Savings Bond Guru: Hello Jane, If your daughter cashes in the bonds, her name and social security number will be on the 1099-INT that she receives from the redemption agent (probably a bank). This means that she will have the responsibility to report the interest income...

Savings Bonds: Savings Bonds - final tax return, hh bonds, savings bonds
hh bonds, savings bonds, co owner: Hi Marti, You have a number of questions which, when answered, will most likely lead to additional questions. Rather than get into a lengthy back and forth situation via eamil, please call 800 553 2663. Choose option #3, then option #2, to speak with a...

Savings Bonds: Transferring Ownership of EE Series Bonds, The Savings Bond Gru
The Savings Bond Gru: Hi Joyce, If you request the ownership of those bonds to be transferred to each of the children your Mother could have a potentially serious tax issue since all the interest income earned by those bonds up until the date of transfer will have to be reported...

Savings Bonds: Bonds and Parents as Co-owners, the svings bond guru
the svings bond guru: Hi Aaron, 1. Yes. 2. Yes. 3. No. 4. You don t have to go the electronic route to eliminate/or replace co-owners (or beneficiaries for that matter). Go to www.savingsbonds.com/reissueservice. But you should have another person who would get...

Savings Bonds: How to determine if bonds were cashed?, The Savings Bond Guru
The Savings Bond Guru: Hello Rich, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: Gifting Bonds, income tax return, federal income tax return
income tax return, federal income tax return, federal income tax: Hi Nancy, Savings Bonds are non-transferrable, registered securities. Thus, your Father can not just give/gift the bond to you. If it is an EE bond, he can register your name on the bond as a Co-Owner. Since Co-Owners have the same rights to cash-in...

Savings Bonds: help, bureau of the public debt, social security number
bureau of the public debt, social security number, treasury department bureau: Hello Stephanie, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you...

Savings Bonds: hey, The Savings Bond Guru
The Savings Bond Guru: Hello John, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: LOST SAVINGS BOND, The Savings Bond Guru
The Savings Bond Guru: Hello Safina, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, and you don t have them, then you can...

Savings Bonds: Problems with Treasuery Dept on lost bonds, ee bonds, signature requirement
ee bonds, signature requirement, savings bonds: Hello Robert, I would imagine that your problem is centered on the E bonds which require a signature of the POD - or a Co-Owner - before the owner can remove the POD s name. They eliminated that signature requirement with EE bonds. All I can suggest...

Savings Bonds: Redeeming Savings Bonds, The Savings Bond Guru
The Savings Bond Guru: Hello Jim, Since you say that you and your Mother owned those bonds jointly, then you should be able to cash-in those bonds. But be careful how much you cash-in in the current year. Much of that $60k is probably interest, which is reportable on YOUR...

Savings Bonds: Reissuing bonds to co-ownerhip status, The Savings Bond Guru, reissuing savings bonds
The Savings Bond Guru, reissuing savings bonds: Hello Joyce, The only time a bank should be issuing a 1099-INT is when a person receives money from cashing in one or more savings bonds. If your Mother is currently registered as the primary owner on a savings bond(s), and wishes to add, delete or change...

Savings Bonds: reissuing bonds, The Savings Bond Guru
The Savings Bond Guru: Hi Christine, You can only have one other person named on those bonds as either a Co-Owner or a Beneficiary - but you can not add your children s names along with your husband s name. You have one of two choices: You can add your husband as either...

Savings Bonds: Transferring Ownership from Parent to Brother, The Savings Bond Guru
The Savings Bond Guru: Hello Aaron, I believe you said that you were 24. You re an adult. If the bonds are in your name, then you have the right to do whatever you want with them. If you choose to name your brother as a Co-Owner, then your parents are out of the picture...

Savings Bonds: 1962 Savings Bond, redeeming a savings bond
redeeming a savings bond: Hello Karen, That bond reached final maturity (it stopped earning interest) in 1992. That means that for the past 18 years you have given the government free use of that money. The bond earned interest for 30 years - then it stopped growing in value...

Savings Bonds: Asked to return Bond - Nursing Home, receiving bonds as a POD
receiving bonds as a POD: Hello Melissa, Since the savings bond is registered in your Grandmother s name and your name as POD, you have no legal standing in that bond UNTIL she passes away. Therefore, that bond needs to be returned to the Grandmother to pay for her expenses in...

Savings Bonds: Cashing in a Savings Bond, the savings bond guru, redeeming savings bonds
the savings bond guru, redeeming savings bonds: James, When you go to a bank to cash in the bond, they SHOULD ask for proof as to who you are and to see your social security id. When they issue a 1099-INT it should have your name and social security number on it. That means that you will be responsible...

Savings Bonds: Daughter's Savings bond, redeeming savings bonds
redeeming savings bonds: Hello Lora, Depending upon the amount of money she receives when she redeems those bonds, and her other sources of both earned and unearned income, she might not owe any taxes at all. Most people aren t aware that a dependent child (you can still take...

Savings Bonds: found bonds, the Savings Bond Guru, ownership of savings bonds
the Savings Bond Guru, ownership of savings bonds: Hello Brenda, If your name is not listed on any of the bonds, then you will have to prove that you are entitled to cash them in. You say you inherited the estate. But you also indicate that there might be others - who may actually have a superior entitlement...

Savings Bonds: Locating Bonds, locate missing savings bonds
locate missing savings bonds: Hello Rob, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed.) If there are Active bonds on that list, then you can request that they be sent...

Savings Bonds: P.O.D. Name Change, savings bond ownership
savings bond ownership: Hello Deb, The instant that your ex-husband passed away, if any of his savings bonds had your name on them after POD, then those bonds instantly became your property. U S Savings Bonds are non-transerable, registered securities. That means that only...

Savings Bonds: Beneficiaries and savings bonds, savings bond ownership
savings bond ownership: Hello Marian, You can not have more than two names on any savings bonds. Assuming all of those bonds are still earning interest (they are active), what you may want to do is have the bonds REISSUED deleting your name and adding some other relatives such...

Savings Bonds: lost bonds no serial number, finding lost bonds
finding lost bonds: Hello Jennifer, Here is a procedure that many people use to get an Official List of all of their Savings Bonds along with each bond s current status. (i. e. Active or Cashed). If you discover that some bonds are missing, then you will be properly prepared...

Savings Bonds: P.O.D. Name - Remarried, POD designation where a divorce/death occured
POD designation where a divorce/death occured: Hello Annette, The names on a savings bond supercede anything that is stated in a Will or a Trust. Savings bonds are non-transferable, registered securities. Unless the bond was REISSUED with different names than the original bonds (which had to be...

Savings Bonds: Savings Bonds, changing ownership due to death of original owner
changing ownership due to death of original owner: Hello Jim, When your Mother passed away, you became the sole owner of those bonds. I am assuming that you DID NOT report the interest income that had accrued up until the time of your Mother s passing on her final tax return. Therefore, the obligation...

Savings Bonds: Series E Savings Bonds, finding lost bonds
finding lost bonds: Hi Eric, U S Savings Bonds are non-transferable, REGISTERED securities. Those bonds are actually the property of the heirs and descendents of the original persons whose name(s) appear on the bonds. As you are probably aware, the laws of any state can...

Savings Bonds: $250 Savings Bonds, ee savings bonds, denomination
ee savings bonds, denomination, calculators: Hi Linda - None of the calculators allow $250 because the Treasury says it hasn t issued any bonds with that denomination. Do you actually have a bond that says that or are you working from an inventory of some kind? If you actually have one, I d appreciate...

Savings Bonds: 7 year limit on bond interest?, maturity date, interest question
maturity date, interest question, tax lawyers: Hi Jackie - thanks for passing that information along, as it s a new bit of info for me. It seems the IRS gets to have it both ways. On the one hand, they say the tax is due on a Savings Bond in the year it stops paying interest, whether you cash it or...

Savings Bonds: adding name to savings bonds, treasurydirect gov, savings bonds
treasurydirect gov, savings bonds, savings bond: Hi M - You can add a name to a Savings Bond by filling out this form, having a bank certify your signature on the form, and sending in the bond with the form (do not sign the bond, just the form): http://www.treasurydirect.gov/forms/sav4000.pdf However,...

Savings Bonds: A/B planning with Series E & EE bonds, ee bonds, savings bonds
ee bonds, savings bonds, credit shelter trust: Hi Matt - I m sorry, I m not a lawyer or estate planner and this is really an estate planning question. From a Savings Bond perspective, you can change the registration of the Savings Bonds to a Personal Trust, but unless you re still on the hook for the...

Savings Bonds: Bankruptcy, bond advisor, ee bonds
bond advisor, ee bonds, payroll deduction: Hi David - I m not a lawyer and consequently I m not qualified to answer your question - it probably depends on the laws in the state in which she declares bankruptcy. Here s some more information you might find helpful, however: http://www.savings-bond-advisor.com/changing-a-living-co-owner-or-owner/...

Savings Bonds: Bond buyer locator, treasury office, bond buyer
treasury office, bond buyer, mail: Hi Cheryl - If the donor has the bond mailed to the gift recipient, you are correct - the donor s name doesn t appear on the bond. Moreover, in this case, there s no way to find out who the donor was. However, if the donor has the bonds mailed to themselves,...

Savings Bonds: I Bond interest rate changes., interest rate changes, interest rate rules
interest rate changes, interest rate rules, bond advisor: K - yes, the change in the inflation rate applies to all prior I bonds, but not until your bond s six-month anniversary. Unless your bond was issued in November or April, the rate increase will not occur on Nov 1. For more info on this, see this: http://www.savings-bond-advisor.com/series-i-interest-rate-rules/...

Savings Bonds: Bond Maturity, bond maturity, savings bonds
bond maturity, savings bonds, i bonds: Hi Cynthia - Savings Bonds earn interest for 30 years. The ones you have pay better rates than new ones (the rules have changed) so you re better off keeping the ones you have. If you do invest in additional Savings Bonds, the I bonds are preferable to...

Savings Bonds: Bond question.., bond advisor, photo copy
bond advisor, photo copy, savings bond: Hi Nicole - Yes you would need the original, but if the original is lost you can have it replaced. Since the serial number of the bond is on the photocopy, the best place to start is to find out if you ve already cashed this bond. There s more info on how...

Savings Bonds: Bonds in a Divorce, treasurydirect gov, ee bonds
treasurydirect gov, ee bonds, payroll deduction: Hi Jeff - The form you use for this is the standard form for changing registrations: http://www.treasurydirect.gov/forms/sav4000.pdf Your ex-wife s signature must be certified by a bank on the form, but there s no need to sign the back of the bonds....

Savings Bonds: Bonds and Divorce, treasurydirect account, divorce agreement
treasurydirect account, divorce agreement, divorce papers: Hi Donna - You can - and SHOULD - have the bonds changed to your name and it isn t a taxable event. If the divorce papers specifically mention the bonds I don t think you need your ex s signature, but I m not positive about that detail. I assume on the...

Savings Bonds: Bonds & Divorce, bond advisor, savings bonds
bond advisor, savings bonds, divorce decree: Hi Jeff - if there are bonds that have her name on them following an OR (rather than POD), yes she can cash them as far as the Treasury is concerned. If there are bonds that don t have her name on them, she can t legally cash them. I suggest you write...

Savings Bonds: Bonds for Education, us savings bond, bond advisor
us savings bond, bond advisor, income details: Hi Brian - Yes, if you otherwise qualify for the Savings Bond education deduction, you can cash them, put the money in a 529 plan, and not have to pay tax on the interest income. Details on the Savings Bond education deduction are here: http://www.savings-bond-advisor.com/the-fine-print-of-the-us-savings-bond-college-education-deduction/...

Savings Bonds: Bonds as Educational Investment, state tuition plan, us savings bond
state tuition plan, us savings bond, bond advisor: Hi Linda - the best way to save for a child s education expenses is a Qualified State Tuition Plan (QSTP), not savings bonds. I m not an expert in that area, but you can find out more about them here: http://en.wikipedia.org/wiki/529_plan Savings Bonds...

Savings Bonds: Bonds in an estate, barnes and noble stores, bond advisor
barnes and noble stores, bond advisor, that have stopped earning interest: Hi Bob - yes, you can have the bonds that are still earning interest re-registered, but the ones that have stopped earning interest can only be cashed. It s fairly complicated, however, to figure out the best thing to do. There are income tax issues, possible...

Savings Bonds: Bonds Purchasing, ee bonds, savings bonds
ee bonds, savings bonds, time tom: Hi JulieAnn - The amount of time it takes any investment to double your money depends on the interest rate the investment is earning. The higher the rate, the less time it takes. 20 years is how long it takes at the low rate EE bonds pay. On the other...

Savings Bonds: I-Bonds, roth iras, ira account
roth iras, ira account, traditional ira: Hi Howard - in theory I Bonds can be held in traditional (but not Roth) IRAs, but I don t know of any IRA trustees that offer them. There are two reasons. First, there s no way for the trustee to make any money other than to charge a fee. Second, I Bonds...

Savings Bonds: bank, interest rate, institutions
interest rate, institutions: Jaykeyram - I don t understand what you mean by due and tax free . Could you elaborate? The formula you have here will give you the amount of interest you would earn in one year, assuming you were only paid interest once a year. Most institutions compound...

Savings Bonds: beginner, page fact sheet, savings bonds
page fact sheet, savings bonds, amount of money: Hi Sean - Savings Bonds are a good choice for a beginner who wants to handle transactions online. They are very safe and the initial required investment is much lower than other kinds of investments. I d suggest you take a look at http://www.savings-bonds-alert.com/....

Savings Bonds: beneficary of savings bonds, bond advisor, social security number
bond advisor, social security number, beneficary: Hi Julie - The SSN on the bonds is only used to track the bonds if they are lost. The Treasury won t reissue a Savings Bond just to update the SSN. What s important is whose name is on the bonds. If your father s name is on the bonds, you should send them...

Savings Bonds: I bond compounding, investment interest, bonds
investment interest, bonds, tom adams: Hi Greg - compounding of interest means the interest paid by an investment is added to the value of the investment rather than being paid to you in cash. In the next earning period, interest is based on the new value of the investment (original investment...

Savings Bonds: what to do with the bond and ownership??, pod payable on death, question thanks
pod payable on death, question thanks, payable on death: Hi Mylan - if your daughter s name is second, then whether she will be able to cash it or not depends on whether the two names are separated by OR (she can cash it) or POD (payable on death - she can t cash it unless the first person dies). Tom Adam...

Savings Bonds: bond purchases, bond advisor, social security number
bond advisor, social security number, bond owners: Hi Janice - the bond owners (your grandchildren) can make a request like this about their own bonds, but you can t. Only a person named as an owner or co-owner is allowed to get information about a Savings Bond. There s more information about how to do...

Savings Bonds: I bond rates, savings bond wizard, i bond rates
savings bond wizard, i bond rates, inflation component: Hi Richard - You are assuming your 10/03 I bond starts earning the new inflation rate this month, when in fact it doesn t start earning it until April. I bond rates change every six months, beginning six months after issue. Your Oct I bond starts earning...

Savings Bonds: bond taxes in CA, cashing bonds, interest payment
cashing bonds, interest payment, tax form: Hi Daryl - After you cash the bonds, you and the IRS will receive a 1099-INT tax form that reports all the interest the bonds have ever earned. You will have to add that to your next return as income and pay tax on it at your rate. So be sure to hold back...

Savings Bonds: what is an I bond worth in 5 years, current intrest rate, current rate of inflation
current intrest rate, current rate of inflation, interest rate rules: Fred - The interest rate on Series I bonds changes every six months, so there s no way to answer your question. If the current rate, 3.74%, didn t change, the bond would be worth about $120 after five years ($100 initial investment + $20 interest). But...

Savings Bonds: bond, interest rate calculator, us savings bond
interest rate calculator, us savings bond, yield to maturity: Hi Vicky - this isn t a US Savings Bond question, which is my area of expertise. However, to get an answer, you also need to know how many interest payments there are per year. In an interest rate calculator, use 1050 as the present value, 1000 as the future...

Savings Bonds: bonds, savings bond calculator, us savings bond
savings bond calculator, us savings bond, bond advisor: Joan - the first link I m giving you is a calculator you can use to determine the current redemption value of the bonds. You ll need to know the month and year the bonds were issued, the face value, and the denomination (probably EE). The second link gives...

Savings Bonds: bonds, market interest rates, ee bonds
market interest rates, ee bonds, inflation protection: Hi Steve - There are only two choices, EE bonds and I bonds. The I bonds include inflation protection, which I recommend. The value after 17 years will depend on market interest rates between now and then, but it should be more than double what you invest....

Savings Bonds: bonds, kerry patterson, conversions
kerry patterson, conversions, bonds: Hi Shannon - It s difficult to give advice when so little is known about the actual situation. But I d recommend your friend study the book Crucial Conversions: Tools for talking when the stakes are high , by Kerry Patterson and others. Most libraries should...

Savings Bonds: How many bonds did I buy for my son over the years?, bond advisor, savings bonds
bond advisor, savings bonds, custodial parent: Hi Russell - You can write to the Treasury and ask for a list of your Savings Bonds. If the bonds are in your son s name, not yours, you can ask for him if you are the custodial parent. If your son is an adult, he should ask for himself. Details are here:...

Savings Bonds: I bonds vs. ee bonds, current inflation rate, ee bonds
current inflation rate, ee bonds, payroll deduction: Leighton - No matter what day of the month you buy a savings bond, you earn from the 1st day of the month. So if both withdrawals and the purchase all occur in the same month, it doesn t make any difference. On the other hand, if the withdrawals occur...

Savings Bonds: bonds, higher tax bracket, ee bonds
higher tax bracket, ee bonds, savings bonds: Hi - You can t get out of paying the tax. However, you can probably minimize it by cashing the bonds over a several-year period rather than all at once so that the interest doesn t bump you into a higher tax bracket. If you want to reinvest in Savings Bonds,...

Savings Bonds: buying bonds., ee bonds, bond advisor
ee bonds, bond advisor, savings bonds: Hi Joe - the best thing to do is to setup an online account with the US Treasury and buy electronic Savings Bonds directly. There are details about how to do this here: http://www.savings-bond-advisor.com/treasury-direct-overview/ The Treasury used to...

Savings Bonds: buying I bonds for college student, us savings bond, bond advisor
us savings bond, bond advisor, savings bonds: Hi Mike - If an I bond is worth $1,000, three months of interest is about $10. If you ll qualify for the Savings Bond education tax deduction, it would still be worth buying the Savings Bonds. Otherwise, a three-year bank CD might be a better choice right...

Savings Bonds: CASHING EE BOND OF DECEASED, series ee bond, bond advisor
series ee bond, bond advisor, savings bond: Hi Laurie - Since his name is listed first on the bond, your husband can cash it without any other paperwork. There s more information about the general process here: http://www.savings-bond-advisor.com/how-to-cash-in-a-savings-bond/ Tom Adams ...

Savings Bonds: Calculating Difference Between Series I and TIPS, i bonds rate, treasury issues
i bonds rate, treasury issues, treasury direct account: Hi Dale - there are two ways to invest in TIPS. You can open a Treasury Direct account and invest on the specific days when the Treasury makes them available (about 10 days a year, total). Or you can buy them through a broker on any business day. When you...

Savings Bonds: Cancel savings bonds, payroll savings, payroll office
payroll savings, payroll office, savings bonds: Hi Cynthia - I m not sure what you mean - you can t cancel a Savings Bond. You can redeem them - is that what you mean? I m going to take a wild guess that you re enrolled in a payroll savings plan at your work and that what you want to do is cancel the...

Savings Bonds: Cashing bonds for Medicare, ee bonds, savings bonds
ee bonds, savings bonds, cashing bonds: Hi Lorraine - I m sorry, but this is really a Medicare question and I don t have any expertise in that area. From the Savings Bonds side, I can tell you that as POD you have no rights to the bonds unless your aunt dies, so the POD shouldn t make any difference...

Savings Bonds: Cashing EE and I series bonds, redeeming savings bonds, bond advisor
redeeming savings bonds, bond advisor, interest rate rules: Hi Katherine - Each bank sets its own policy on ID requirements, so I can t tell you for sure what your bank will require. Typically a driver s license is what they ll look for, however. You might want to call ahead to check. Some banks won t help with Savings...

Savings Bonds: Cashing in EE series savings bonds, series ee savings bonds, ee savings bonds
series ee savings bonds, ee savings bonds, ee series savings bonds: Hi Katie - The Savings Bonds themselves have to be one year old, but it doesn t matter how old the owner is. However, some banks require minors to have their parents sign for them. This is up to the bank - there s not a nationwide policy on this. Tom...

Savings Bonds: Cashing in POD savings bonds, savings bonds, ee series bonds
savings bonds, ee series bonds, custodial parent: Hi Jennifer - If you are a custodial parent you can sign for a child no matter how old the child is. If you want the child to sign, it will depend on the policy of the banks in your area. They all have different policies - there s no standard age at which...

Savings Bonds: Cashing recent bonds, kiowa county kansas, disaster relief programs
kiowa county kansas, disaster relief programs, bond advisor: Hi Woody - Yes, if you live in an area where there has been a disaster, the Treasury may allow you to redeem a bond before one year. Right now the only place that has an open program is Kiowa County, Kansas. There s more information here: http://www.savings-bond-advisor.com/savings-bond-disaster-relief-programs/...

Savings Bonds: Cashing Savings Bonds, cashing savings bonds, us savings bond
cashing savings bonds, us savings bond, tax ramifications: Hi Damian - the SSN printed on the bond isn t relevant. It s used to track lost or stolen bonds, but not for tax purposes. So all that counts is the name on the bonds. If the bond has your name, followed by POD, followed by your daughter s name, she is...

Savings Bonds: Cashing Savings Bonds, cashing savings bonds, bond advisor
cashing savings bonds, bond advisor, savings bond: Hi Jim - Only your father or your sister can cash them. Possession of Savings Bond is meaningless - only the persons named on the bond can cash them. There s more information here: http://www.savings-bond-advisor.com/savings-bonds/redemption/ Let me...

Savings Bonds: Cashing in a Series EE Bond, series ee bond, series ee savings bond
series ee bond, series ee savings bond, treasurydirect gov: Hi Matt - She will need to fill out the following form and have a bank certify her signature on the form and on the bond. Then she needs to send the bond and form to the Treasury (address is on the form) and the folks there will process it and send her the...

Savings Bonds: CHANGING THE NAME ON MY BONDS, bond advisor, savings bond
bond advisor, savings bond, co owner: Hi Joseph - yes, you can change the name, but with a few exceptions like divorce and death, it s a taxable event. Most people who want to do this are primarily interested in moving the taxes to another person, and that s not possible. Here s more information...

Savings Bonds: Changing beneficiary on EE & E US Bonds, us savings bonds, donna hagerman
us savings bonds, donna hagerman, bond advisor: Hi Donna - In that case, you can easily update the beneficiary. The E bonds do require that you provide a copy of your husband s death certificate with your request. There s a link to the form you need and additional information here: http://www.savings-bond-advisor.com/changing-a-beneficiary-who-has-died/...

Savings Bonds: Co-Owner and Divorce, savings bonds, savings bond
savings bonds, savings bond, co owner: Hi Kevin - either co-owner of a Savings Bond can redeem it without the knowledge or permission of the other. Only one signature is required, so there would be no reason for her to forge your name. As far as the Treasury is concerned, she could legally cash...

Savings Bonds: Co-owner transfer to Trust, income tax consequences, bond advisor
income tax consequences, bond advisor, savings bonds: Hi Mike - working backwards, she can change the co-ownership to her daughter or son without any INCOME tax consequences. Whether there would be GIFT tax consequences depends on the size of her estate and the amount of bonds. Whether she can retitle the...

Savings Bonds: College Expenses of Daughter we can't claim as dependent, us savings bond, bond advisor
us savings bond, bond advisor, interest exclusion: Hi Nicole - No, unfortunately to get the deduction the college student has to be a dependent on your tax return. Full info is here: http://www.savings-bond-advisor.com/the-fine-print-of-the-us-savings-bond-college-education-deduction/ Let me know if...

Savings Bonds: College Student Looking for Help, savings bonds series ee, stock index fund
savings bonds series ee, stock index fund, series i bonds: Hi - There are two types of Savings Bonds, Series EE and Series I. Had you invested equal amounts in both Series I and a stock index fund (Vanguard 500 fund) every month since I Bonds were introduced in Sep 1998, your I bond investment would be worth more...

Savings Bonds: Can I cash my minor son's bonds, if I'm listed only as POD?, ee bonds, savings bonds
ee bonds, savings bonds, 3 years: Hi Stephanie - it s a bit confusing. You can t cash them as you, but you can cash them as your son s parent. So you need to tell the bank you re not cashing them for yourself, that your son is cashing them. But since he s a minor, you have to sign for him....

Savings Bonds: Can I cash in my sons savings bond? EE series, redeeming savings bonds, bond advisor
redeeming savings bonds, bond advisor, husbands name: Hi Tami - Some banks will allow a 15 year old to sign, particularly if he has a good photo ID, such as a passport. If not, as the custodial parent, you can sign for your son. When you take the bonds in, take your son with you. There s more info on redeeming...

Savings Bonds: when to cash out, ee bonds, savings bonds
ee bonds, savings bonds, emergency funds: Hi Pat - By matured you must mean your Savings Bonds have reached face value . Your bonds will earn interest for 30 years from their issue date. You can cash them whenever you want without any penalty , however, you will have to pay income tax on all the...

Savings Bonds: who cashed our bonds, bond advisor, social security number
bond advisor, social security number, savings bonds: Hi Pam - Here s a web page that explains how to get a list of the bonds from the Treasury: http://www.savings-bond-advisor.com/list-of-us-savings-bonds-by-ssn/ I think that s where you re going to have to start. You might explain your situation in your...

Savings Bonds: cashing in bonds, pod payable on death, bond advisor
pod payable on death, bond advisor, cashing in bonds: Hi Jeff - POD ( Payable on Death ) means that you re the beneficiary of the bond; it would become yours if your daughter died. Assuming your daughter isn t a minor, she should have no problem cashing the bonds without you. There s more info here: http://www.savings-bond-advisor.com/how-to-cash-in-a-savings-bond/...

Savings Bonds: cashing I bonds, savings bonds, question thanks
savings bonds, question thanks, savings bond: June - You will get $2,500 of new bonds with the same issue data as your old $5,000 bond and $2,500+ in cash. The + represents the interest that $2,500 has earned. So it s an exact split and the $2,500 still in bonds is still worth what it was before the...

Savings Bonds: cashing in for college, dual credit courses, us savings bond
dual credit courses, us savings bond, bond advisor: Hi Cindy - You have an interesting question that I ve never seen a stock answer to. My guess is that it depends on whether you are paying the tuition to the high school or to the college. In the end, it boils down to whether the college plans to send you...

Savings Bonds: cashing POD bonds, ee bonds, social security number
ee bonds, social security number, probate court: Hi Mary - I m sorry to hear about your mother. What you need to do depends on whether your mother s estate will be handled by a probate court or not. Let me know and I ll tell you what to do next. In any case, you re going to need death certificates for...

Savings Bonds: someone else cashing my savings bond, savings bonds, colleteral
savings bonds, colleteral, treasury dept: Hi - Since your signature is on the back of both the original bonds and the replacement bonds, from the Treasury s point of view it looks like you cashed both, so they want their money back. Legally, Savings Bonds can t be used as collateral for a loan....

Savings Bonds: cashing in savings bonds, cashing in savings bonds, ee savings bonds
cashing in savings bonds, ee savings bonds, state laws: Hi Jenette - It s up to the bank where to you cash the bonds to determine if you are allowed to sign the bonds yourself or not. Different banks have different policies, probably because of differences in state laws. So ask the bank where you d cash the bonds...

Savings Bonds: change beneficiary, series ee bonds, series i bonds
series ee bonds, series i bonds, free loan: Hi Donald - Bonds purchased in the early 1970s are no longer earning interest. Because of that, you can t change the name on these bonds. Moreover, it s a big mistake not to cash these (you re giving the government a free loan). So cash them, hold back...

Savings Bonds: changing ownership of EE bonds, ee bonds, ee bond
ee bonds, ee bond: Hi Angelo - Only the person named on the bond can cash it. While it s technically possible to have the name changed to yours, it s much easier to just cash the bond. Unless you re willing to pay more than the bond is worth, there s no reason for them...

Savings Bonds: My childrens bonds, treasurydirect gov, electronic bonds
treasurydirect gov, electronic bonds, treasury direct: Hi Jamie - you should keep a list of the bonds, including the serial numbers, in a safe place separate from where you keep the bonds, which should be with your other important papers. One other option is to open an online account at www.TreasuryDirect.gov...

Savings Bonds: co-owned savings bonds, treasurydirect gov, savings bonds
treasurydirect gov, savings bonds, dick and jane: Hi Jeanne - here s the form for reissuing Savings Bonds to a Trust: http://www.treasurydirect.gov/forms/sav1851.pdf You will note that it requires the signature of the principal owner in one section related to taxes and the certified signatures of...

Savings Bonds: co-ownership of EE bonds, ee bonds, social security number
ee bonds, social security number, kids name: Hi Gail - I m sorry, but the questions you re asking me are about rules relating to assistance and rules related to taxes and I m not an expert in those areas. From a Savings Bond perspective, I can tell you that either co-owner of a Savings Bond can legally...

Savings Bonds: bonds, collateral mortgage, treasury bonds
collateral mortgage, treasury bonds, savings bonds: Hi Marcos - there is no relationship between a mortgage and HH/H and EE/E bonds. The bonds are investments offered by the US government. These investments can t be used as loan or mortgage collateral. About the only connection I can think of is that if...

Savings Bonds: college savings bonds, series ee bonds, college savings bonds
series ee bonds, college savings bonds, us savings bond: Hi Donna - The tax deduction applies only to tuition expense. You can see all the limits of the Savings Bond college education tax deduction here: http://www.savings-bond-advisor.com/the-fine-print-of-the-us-savings-bond-college-education-deduction/ ...

Savings Bonds: Deceased Aunts saving bonds, probate procedures, saving bonds
probate procedures, saving bonds, redemption value: Hi Samuel - You d need to contact a lawyer in the state in which you aunt resided and died. Laws vary, but generally, yes, the assets of someone without spouse or child would go first to parents and then to brothers and sisters. If your aunt s name...

Savings Bonds: Deceased bond owners, probate court, bond owners
probate court, bond owners, savings bonds: Hi Susan - I m sorry to hear about your parents. Since your father died last, the bonds belong to his estate and have to be distributed according to his will. The exact form to use depends on whether the estate is being handled by a probate court, under a...

Savings Bonds: Deflation, deflation rate, interest rate rules
deflation rate, interest rate rules, i bond interest rate: Hi Stephen - this is all correct. You can find the same info on my web site in the last section on this page: http://www.savings-bond-advisor.com/series-i-interest-rate-rules/ In this respect I bonds are better than TIPS because with I bonds the total...

Savings Bonds: Delete co-owner and add beneficiary, death certificate, co owner
death certificate, co owner, beneficiary: Hi Mike - yes and yes. She should include a copy of her husband s death certificate to make sure it s not recorded as taxable. Here s the form she needs: http://www.treasurydirect.gov/forms/sav4000.pdf Include a letter with the form specifying exactly...

Savings Bonds: Divorce, safety deposit box, bond advisor
safety deposit box, bond advisor, savings bonds: Hi Julie - it depends on whether your name is on the bonds as well as his. If it s not, they won t tell you. If it is, you can ask for a list of the Savings Bonds that have your name on them. Details are here: http://www.savings-bond-advisor.com/list-of-us-savings-bonds-by-ssn/...

Savings Bonds: deceased dad left bond, treasurydirect gov, us savings bond
treasurydirect gov, us savings bond, savings bonds: Hi Elena - I m sorry, my expertise is in US Savings Bonds. What you have sounds like something else. I don t recognize it. I recommend you find a finanical advisor to help you sort this out. If there are no financial advisors in your area, a lawyer or CPA...

Savings Bonds: deceased, probate court, savings bonds
probate court, savings bonds, us treasury: Hi Hedda - Take the bond to a bank that handles Savings Bonds. You ll need a copy of the deceased s death certificate and personal ID. Since it s a POD bond, you don t need anything from the probate court. The bank will certify your signature on the back of...

Savings Bonds: How can you determine if a savings bond has been cashed., bond advisor, savings bonds
bond advisor, savings bonds, executor of the estate: The Executor of the estate should sign the request and include both a copy of your uncle s death certificate and documentation assigning Executor powers to the person making the request. If there s no Executor, then the closest next-of-kin should do it....

Savings Bonds: difficulties in cashing bonds, federal reserve banks, union bank of ca
federal reserve banks, union bank of ca, bond redemption: Hi Dawn - what a nightmare. Just to clarify, the way a Savings Bond redemption works is that a bank certifies your signature on the back of the bonds. Then they send them to a Federal Reserve bank that actually cashes the bonds and forwards the money to your...

Savings Bonds: E Bonds, violet, maturity
violet, maturity, bonds: Hi Violet - the penalty is that they aren t earning any interest. Although that may not seem important, it s a significant penalty. Many people don t redeem them because they don t want to pay the taxes, but you have to pay the taxes someday and meanwhile...

Savings Bonds: E Bonds, lost interest, grandchildren
lost interest, grandchildren, bonds: Hi Barbara - since 1976-1977 E bonds have either stopped or are about to stop paying interest, you can no longer change the registration to your grandchildren. You are paying a monthly penalty in lost interest that will quickly amount to more than the...

Savings Bonds: E bonds, treasurydirect gov, probate court
treasurydirect gov, probate court, savings bonds: Jamie - in that case you need to use this form. Note that if you have any siblings you ll have to share the bonds with them. Instructions are on the form, but I m happy to help if you have any questions: http://www.treasurydirect.gov/forms/sav5336.pdf ...

Savings Bonds: EE BONDS, series ee bond, ee bonds
series ee bond, ee bonds, bond owners: Hi John - changing the owner of a Savings Bond is a taxable event for you, so doing this isn t going to save you any taxes. The IRS figured this all out years ago and has its system set up to prevent Savings Bond owners from getting out of the taxes. Tom...

Savings Bonds: EE Bond or a 529 donation, us savings bond, bond advisor
us savings bond, bond advisor, savings bonds: Hi Joe - I m not an expert on 529 plans, so I can t really give you a decent comparison. I can tell you that Savings Bonds have a feature that allows the interest they ve earned to be tax deductible when it s used for college tuition, but the limitations on...

Savings Bonds: EE Bonds, income tax brackets, federal income tax brackets
income tax brackets, federal income tax brackets, ee bonds: Hi Nancy - No, Savings Bonds don t have capital gains. What they have is tax-deferred interest. In other words, your Savings Bonds have been earning interest for 30 years and you ve never paid any income tax on the interest. You pay it all at once when you...

Savings Bonds: EE Bonds, treasurydirect gov, ee bonds
treasurydirect gov, ee bonds, probate court: Hi Andre - thanks for all of the information. It often takes me several back and forths to get all the info needed, such as what names are on the bonds, who died first, and whether a probate court was involved. In your situation, you need to send the bonds...

Savings Bonds: EE Bonds stolen by parents, treasurydirect gov, ee bonds
treasurydirect gov, ee bonds, legal aid society: Hi Robert - I m not a lawyer and I can t give you much advice on this situation. As far as the US Treasury is concerned, a custodial parent can sign a Savings Bond for a minor child, cash the bond, and spend the money. So even though the Treasury says it...

Savings Bonds: US EE Bonds, ee bonds, rate declines
ee bonds, rate declines, savings bonds: Hi - it depends on how many dollars worth of these bonds you own and what your tax rate is. This particular issue is currently earning below average rates for Savings Bonds. It just collected an interest payment on April 1, so this month would be a good...

Savings Bonds: EE bonds, ee bonds, avoiding probate
ee bonds, avoiding probate, bond advisor: Hi Carol - The person you talked to at the bank made a mistake. I don t understand why they insist on putting people through all this trouble. The word OR means either person can cash the bond. However, it might help if you take the death certificate along...

Savings Bonds: EE bonds and name change, ee bonds, death certificate
ee bonds, death certificate, birth certificate: Hi Pam - In order to cash the bonds you have to have your signature certified by a bank or other financial institution. Each bank has its own policies on what ID it requires. What you need to do is ask the bank that will handle the transaction and what ID...

Savings Bonds: EE bonds vs I bonds, ee bonds, interest rate rules
ee bonds, interest rate rules, bond advisor: Hi Mike - if you were asking about new bonds, I d recommend Series I. In this case, do you realize the 4.28% I bond rate is only for six months? After that it can be higher or lower than rate on the EE bonds you already own and I can t predict which will...

Savings Bonds: EE bonds, marriage name change, ee bonds
marriage name change, ee bonds, bond advisor: Hi Karen - you can try, but the problem is that the Treasury won t tell you about someone else s bonds unless you can show you have a right to know. In this case, that would include a copy of your grandmother s death certificate and evidence that you are either...

Savings Bonds: EE and E series savings bonds, bond advisor, savings bonds
bond advisor, savings bonds, savings bond: Hi Lisa - since you don t actually have the bonds, they were probably cashed years ago. You can find out by sending in the serial numbers and asking. If they haven t been cashed you can have them replaced. Details are here: http://www.savings-bond-advisor.com/have-these-bonds-been-cashed/...

Savings Bonds: EE REDEMPTION FOR EDUCATION, us savings bond, bond advisor
us savings bond, bond advisor, ee bonds: Hi Sue - Yes, you absolutely should investigate this. If you qualify, you can reduce the income tax on the interest the bonds have earned to zero. However, there are many limitations to this deduction. Details are here: http://www.savings-bond-advisor.com/the-fine-print-of-the-us-savings-bond-college-education-deduction/...

Savings Bonds: EE Redemption, ee bonds, investing in the stock market
ee bonds, investing in the stock market, savings bonds: Hi John - opinions vary - mine is that now is no time to be investing in the stock market. I think you ll be able to buy stocks at much lower levels within the next couple of years. Savings Bonds are all about safety and that s what all the smart money is...

Savings Bonds: EE Saving Bonds, ee saving bonds, ee bonds
ee saving bonds, ee bonds, bond advisor: Hi Keith - it depends on when the Savings Bond was issued. New ones are guaranteed to reach face value in 20 years, but older ones take less time. There s more information here: http://www.savings-bond-advisor.com/when-do-my-savings-bonds-mature/ ...

Savings Bonds: EE Savings Bond Redemption, ee savings bond redemption, redemption fee
ee savings bond redemption, redemption fee, bond transactions: Hi Richard - in most states most financial institutions such as banks, savings and loans, and credit unions will handle Savings Bond transactions, but none of them is required to do so. In any case, they aren t allowed to charge a processing fee. Tom Adam...

Savings Bonds: EE Savings Bonds, series ee savings bond, ee savings bonds
series ee savings bond, ee savings bonds, us savings bond: Hi Susan - The Savings Bond college education deduction has a number of limitations, one of which is how the bond is registered. For example, the person going to college must be a dependent of the bond s owner, and if there is a co-owner, it must be owner...

Savings Bonds: EE savings bond with a POD, bond transactions, ee savings bond
bond transactions, ee savings bond, custodial parent: Hi Natasha - a custodial parent can sign for a minor child no matter what the POD says. So what you ve heard isn t true. The Treasury doesn t have a list of places that handle Savings Bond transactions. Your own bank or credit union is the best place to...

Savings Bonds: EE savings bonds, savings bonds, probate court
savings bonds, probate court, death certificate: Hi Kimberley - Was your grandmother s estate handled by a probate court? If so, is the case open or closed? Whose name is on the bonds? If there is a name of someone other than your grandmother, did that person die before your grandmother? The problem...

Savings Bonds: Ee savings bonds with POD, ee savings bonds, ss number
ee savings bonds, ss number, savings bond: Hi Gina - since you are signing for your son, you use his SSN. The bank officer certifying your signature will tell you exactly how to handle the signature in terms of you signing for your son. You re clear that you have to sign the bond at a bank, right...

Savings Bonds: Estate taxes & savings bonds, deferred income taxes, ee bonds
deferred income taxes, ee bonds, redemption value: Hi Jim - Yes, Savings Bonds can be re-registered in the name of a heir. There is no income tax due on this. As for estate taxes, I m going to guess you re talking about state-level taxes. I m obviously not an expert in estate-tax law for all 50 states,...

Savings Bonds: Ex-Wife Cashed Savings Bonds, savings bonds, treasury department
savings bonds, treasury department, financial trouble: Hi John - I m not a lawyer and I don t know anything about how you might use the legal system to get the money back. However, since young children can t sign Savings Bonds for themselves, the Treasury grants parents the right to sign for children. What...

Savings Bonds: education and savings bonds, series ee bonds, us savings bond
series ee bonds, us savings bond, bond advisor: Hi Peggy - You can, of course, cash the bonds and use the money for whatever you like, but you can t use the college education deduction rules to get out of the income tax for multiple reasons. The rules about the Savings Bond education deduction are here:...

Savings Bonds: ee bonds/beneficiary, savings bond series ee, ee bonds
savings bond series ee, ee bonds, savings bonds: Hi Shelley - Right now the two bonds together are worth $128.92. There is a form at http://www.publicdebt.treas.gov/forms/sav1455.pdf that you can use to have them redeemed or reissued. Read the instructions on the form carefully, as there are several...

Savings Bonds: estranged mother will not return my savings bonds, safety deposit box, bond advisor
safety deposit box, bond advisor, savings bonds: Hi Jessica - You can ask the Treasury to search its records for the bonds. They can be found by Social Security Number. The SSN on the bonds doesn t have to be yours - it might be the number of one of your grandparents, but you can find out their SSNs and...

Savings Bonds: FACE VALUE, ee bonds, bond advisor
ee bonds, bond advisor, savings bonds: Hi Miranna - There are two types of Savings Bonds. With either type you invest $25 or more and earn interest. If you invest this month in an EE bond, you ll earn 3.4%. It will take 20 years to double your money. The EE bond does have a face value that s...

Savings Bonds: Father died intestate, left I-bonds POD my name, savings bonds, financial institutions
savings bonds, financial institutions, death certificate: Hi Gary - In most states, most banks and other financial institutions will help you cash them. Since you are the named beneficiary, all you need to do is take your father s death certificate with you. You might want to call ahead to make sure your bank handles...

Savings Bonds: Found Bonds, attorney general office, bonds
attorney general office, bonds, finders fee: Hi Roy - if you can find the person named on the bonds, they may give you a finders fee, but they aren t required to (they can have lost bonds replaced for free). Usually the best thing is to turn them over to the lost property department of your state...

Savings Bonds: Cashing in POD savings bonds, local bank, pod
Savings Bonds: Cashing in POD savings bonds, local bank, pod

Savings Bonds: someone else cashing my savings bond, valid id
Savings Bonds: someone else cashing my savings bond, valid id

Savings Bonds: Deflation, interest rate, conflict
Savings Bonds: Deflation, interest rate, conflict

Savings Bonds: E Bonds, irs pub, bonds
Savings Bonds: E Bonds, irs pub, bonds

Savings Bonds: estranged mother will not return my savings bonds, great grandmother, executor
Savings Bonds: estranged mother will not return my savings bonds, great grandmother, executor

Savings Bonds: how to find out if I have unclaimed savings bonds, ssn, dozens
Savings Bonds: how to find out if I have unclaimed savings bonds, ssn, dozens, guardian

Savings Bonds: Growth Savings Bond, astoria federal savings, astoria federal savings and loan
Savings Bonds: Growth Savings Bond, astoria federal savings, astoria federal savings and loan, office of unclaimed funds

Savings Bonds: SAVINGS BONDS E MATURITY, u s savings bonds, dollar bond
Savings Bonds: SAVINGS BONDS E MATURITY, u s savings bonds, dollar bond, money

Savings Bonds: Savings Bond, drug habit, exact situation
Savings Bonds: Savings Bond, drug habit, exact situation, beneficiary

Savings Bonds: Savings bond, treasurys, current value
Savings Bonds: Savings bond, treasurys, current value, serial number

Savings Bonds: savingsbonds, savings bond, poa
Savings Bonds: savingsbonds, savings bond, poa, financial institutions

Savings Bonds: treasurydirect, security purposes, mail
Savings Bonds: treasurydirect, security purposes, mail, account holders

Savings Bonds: want to buy more bond., irish govt, last friday
Savings Bonds: want to buy more bond., irish govt, last friday, 1 million

Savings Bonds: finance, mortgage schedule, payment interest
mortgage schedule, payment interest, period 4: In the first row the interest number is $676.51. In each row after that the interest number should be lower and the amount paid off should be higher. By the time you get to row 600 the interest number should just be a few cents. If that s what you have, don...

Savings Bonds: finance, loan proceeds, retirement fund
loan proceeds, retirement fund, e 104: Sue - I m sorry, but I didn t get notification from Allexperts that you d left this until today. To help you, I d need a better understanding of where you re stuck. Do you understand what the questions mean? Often the problem isn t the math but just figuring...

Savings Bonds: find bonds in someones name, bond advisor, social security number
bond advisor, social security number, savings bonds: Hi Juli - If your daughter s Social Security Number was on the bonds (may or may not be true - the purchaser can also put his or her own SSN on the bond) you can get a list by writing to the Treasury as described in detail here: http://www.savings-bond-advisor.com/list-of-us-savings-bonds-by-ssn/...

Savings Bonds: how to find out if I have unclaimed savings bonds, unclaimed savings bonds, pod payable on death
unclaimed savings bonds, pod payable on death, bond advisor: Hi Meghan - these two articles will give you the basic idea of what you need to do: http://www.savings-bond-advisor.com/have-these-bonds-been-cashed/ http://www.savings-bond-advisor.com/list-of-us-savings-bonds-by-ssn/ This will work best is your name...

Savings Bonds: What forms need to be filled out when bond owner deceased?, treasurydirect gov, probate court
treasurydirect gov, probate court, total value: Hi Iris - the form you need is this one: http://www.treasurydirect.gov/forms/sav1455.pdf You ll find the instructions on the form. Since the bonds have stopped earning interest you won t be able to change the name on them. Your only option is to cash...

Savings Bonds: found an older bond, bond advisor, savings bond
bond advisor, savings bond: It s worth a little over $130. It will stop paying interest this year in the month it was issued (if it was issued in March, it stopped paying interest in March, etc.). Information on getting the bond redeemed is here: http://www.savings-bond-advisor.com/how-to-cash-in-a-savings-bond...

Savings Bonds: found us savings bond, george shaffer, savings bonds
george shaffer, savings bonds, us treasury: Hi George - Unfortunately, all you have is possession of the piece of paper on which the bond s existance is recorded. Savings Bonds are registered securities, which means that ownership is determined by the records of the US Treasury, not by possession...

Savings Bonds: Gift Bonds and Nursing Home Care, social security numbers, social security administration
social security numbers, social security administration, medicare medicaid: Hi Terri - I know very little about the requirements for getting Medicare or Medicaid. However, I can tell you that if there is a requirement that an aid recpient s assets cannot exceed a certain amount, the Savings Bonds would count against that limit....

Savings Bonds: Gifting EE Bonds, ee bonds, 501c organization
ee bonds, 501c organization, charitable deductions: Hi Tom - not directly, but you can cash the bonds, give the money to the charity, and then take a charitable deduction on your tax return to offset the Savings Bond interest income. It amounts to pretty much the same thing as what you want to do, but you...

Savings Bonds: Gifting Savings Bands, charitable tax deduction, savings bonds
charitable tax deduction, savings bonds, charitable organization: Hi Yvonne - no, direct gifts aren t possible. However, you can cash the bonds and give the money to a charity. That will create a charitable tax deduction that will offset the income on your tax return. There are limitations to this, so check with your tax...

Savings Bonds: Grandfathers savings bonds, death certs, bond advisor
death certs, bond advisor, redemption value: Hi Deb - the first step is to find out if the bonds have been cashed. You don t need a form for this, but you will need to include copies of the death certificates with the letter you write to the Treasury. If the bonds are still valid, they will send you...

Savings Bonds: Grandparent's Bonds for College, us savings bond, bond advisor
us savings bond, bond advisor, savings bonds: Hi Jeff - the college education deduction is only available to a Savings Bond owner whose dependent has tuition expenses. So your daughter would have to be a dependent on your parent s tax return; if they meet the other limitations they could then take the...

Savings Bonds: Growth Savings Bond, savings bonds, savings bond
savings bonds, savings bond, us treasury: Hi Susan - My expertise is in Savings Bonds issued by the US Treasury. If the issuer of your Savings Bond is bankrupt, you ve lost your money. On the other hand, if the issuer was purchased by another institution and you can track that down, that institution...

Savings Bonds: my grandma left me savings bonds and the person holding them is giving me trouble., beneficiary designation, saving bonds
beneficiary designation, saving bonds, proof number: Hi Daryl - If the bonds have your name on them, then as far as the US Treasury is concerned, the bonds are now yours. Co-ownership or beneficiary designation overrides a person s will. No one can legally cash the bonds but you. However, the US Treasury...

Savings Bonds: hh bond interest rates, maturity periods, hh bonds
maturity periods, hh bonds, maturity period: Hi Paul - Jan 93 HH bonds earned 4% for 10 years. In January 2003 the entered what the Treasury calls a new maturity period. At that time the rate for HH bonds entering new maturity periods was 1.5%. That s what they ll earn until they stop paying any interest...

Savings Bonds: IBonds, treasurydirect gov, pot of gold
treasurydirect gov, pot of gold, savings bonds: Hi Matt - Savings Bonds are a very conservative investment. The pot of gold at the end of the Savings Bond rainbow is that you will get back all of your money plus a bit of interest. Most other investments earn more, but you also take the risk that prices...

Savings Bonds: Inherited Savings Bonds, Value over $100, 000., bond advisor, probate court
bond advisor, probate court, savings bonds: Hi Peggy - yes, this has to go through probate. If you live in a state that has an estate tax, you should get the taxes on your parent s final return, which will lower the value of the estate. There s no way to cash them until an Executor is assigned by the...

Savings Bonds: Inherited Savings Bonds, bond advisor, savings bonds
bond advisor, savings bonds, executor of the estate: Hi Gordon - There are lots of options here - briefly, the Executor of the estate can choose to have the bonds split and reissued to the heirs or they can be redeemed by the estate (usually not done because of the tax rate for estates) or the Executor can have...

Savings Bonds: Interest on savings bonds EE Series, ee savings bonds, interest rate changes
ee savings bonds, interest rate changes, ee bonds: Hi Elaine - that means that the bonds will increase in value (from additional interest) on the first business day of January. It would be best to wait until then to cash them if you can. Waiting will also push the taxes into the 2008 tax year. Tom Adams...

Savings Bonds: IP Bond funds in a dollar crisis, global financial turmoil, fx risk
global financial turmoil, fx risk, consumer price index: Hi Jon - I don t know what an IP bond fund is. Intellectual Property? Or is it just the name of the mutual fund company? At any rate, assuming it s a typical TIPS fund, my feeling is that it s about as safe a place as you can find for your money, which...

Savings Bonds: incorrect ssn on savings bond, treasurydirect gov, incorrect ssn
treasurydirect gov, incorrect ssn, social security number: Hi Diane - The Social Security Number on the bond is only used for tracking the bond in case its lost. The Treasury won t reissue a bond just to fix a mistake in the SSN, but they might fix it because the name is wrong, too. It would be the employee who...

Savings Bonds: interest information chart, bond calculators, rate periods
bond calculators, rate periods, information chart: Hi Barbara - all of the online Savings Bond calculators give you two interest rate numbers for each bond. The rate is what the bond is earning in its current six-month rate period and the yield is what it has earned over its entire life. However, it...

Savings Bonds: Limitations for Cashing Bonds, bond advisor, savings bonds
bond advisor, savings bonds, cashing bonds: Hi Joe - that s a rule at that particular bank, not a general rule that applies at all banks. If you took in this form, which lets you sign once for multiple bonds, they might be willing to do more at once: http://www.savings-bond-advisor.com/redeeming-100-savings-bonds/...

Savings Bonds: List of father's Savings Bonds, bond advisor, savings bonds
bond advisor, savings bonds, savings bond: Hi Marie - if the bonds haven t been cashed yet, the Treasury would still have a record of them. If they ve been cashed, it s impossible. You ll need a copy of your father s death certificate. Send it with a letter asking the Treasury the status of the bonds....

Savings Bonds: Locating Bonds Without Purchasers Social Security Number, purchasers social security, social security number
purchasers social security, social security number, bond advisor: Hi Christopher - If you ve already filed a claim for lost bonds and they didn t find anything, your parents probably cashed the bonds when you were a child. However, if you want to make a final effort and finding them, here s a technique you can use: http://www.savings-bond-advisor.com/list-of-us-savings-bonds-by-ssn/...

Savings Bonds: Lost Bonds, savings bonds, bond advisor
savings bonds, bond advisor, social security number: Hi Jamie - probably the best thing to do is to ask the Treasury for a list of your Savings Bonds. The list will include the bonds serial numbers, which you can then use on Form 1048. The one thing you need to be aware of is that the main thing the Treasury...

Savings Bonds: Lost Savings Bonds, series ee savings bonds, ee savings bonds
series ee savings bonds, ee savings bonds, legal immigrant: Hi - the answers to all your questions are on my web site at: http://www.savings-bond-advisor.com/ At the upper-right there s a calculator you can use to find out what the bonds are worth. At the bottom of the page there are numerous links - in the right...

Savings Bonds: A little awkward situation, savings bonds, awkward situation
savings bonds, awkward situation, clerical error: Hi Tom - it s great when people are reasonable, isn t it? So, assuming that the Treasury still hasn t replaced the bonds with new ones, you can write them and tell them to cancel the replacements because the originals have turned up. You can cash Savings...

Savings Bonds: Should one load-up on I-bonds before Jan 1st?, professional investors, treasury securities
professional investors, treasury securities, banking crisis: Hi Alex - There are risks either way and I can t predict the future. However, given the current banking crisis and the flight to safety (money moving into Treasury securities) going on right now among professional investors, I would advise erring on the...

Savings Bonds: lost saving bonds, bond advisor, saving bonds
bond advisor, saving bonds, savings bonds: Hi Juanita - I recommend you ask the Treasury for a list of your children s bonds, then ask to have any replaced that aren t on the list. You can find out how to do that here: http://www.savings-bond-advisor.com/list-of-us-savings-bonds-by-ssn/ http://www.savings-bond-advisor.com/how-to-recover-lost-savings-bonds/...

Savings Bonds: lost savings bonds, bond advisor, savings bonds
bond advisor, savings bonds, nasty divorce: Hi Carol - Only the persons named on a bond are legally allowed to redeem it. Your brother should follow the standard process for having lost Savings Bonds replaced. There s more info on that here: http://www.savings-bond-advisor.com/how-to-recover-lost-savings-bonds/...

Savings Bonds: lost or stolen savings bonds, ee bonds, bond advisor
ee bonds, bond advisor, savings bonds: Hi Mark - you can write to the Treasury and ask them for a list of the Savings Bonds that are in your name. If you don t have them all, you can the missing ones replaced. Full details of what to say in your letter and the address to mail it to are here: ...

Savings Bonds: Maturity, savings bonds, bond transactions
savings bonds, bond transactions, ee savings bond: Hi Don - You can redeem a Savings Bond anytime after the bond is one year old. There s a penalty of the most recent three month s interest if you redeem a Savings Bond before it is five years old. All new Savings Bonds available today pay interest for 30 years....

Savings Bonds: Minor signing US Savings Bond, social security number, divorce papers
social security number, divorce papers, savings bonds: Hi Lori - yes, she can cash the bonds. Some banks will allow her to sign the bonds herself, others will want you to sign for her as her parent. Take her Social Security Number with you, as the interest income should go to her. You ll also need IDs for both...

Savings Bonds: My Mom Purchased for my kids, series ee savings bonds, ee savings bonds
series ee savings bonds, ee savings bonds, bond advisor: Hi Michelle - Is your mother s estate being handled by a probate court? If so, the Executor of the estate has to handle this; if not, you can. Have you searched through your mother s belongings for the actual bonds? What you re looking for looks like this:...

Savings Bonds: the most money saving way to file after cashing in bonds, us savings bonds, cashing in bonds
us savings bonds, cashing in bonds, hi mary: Hi Mary Ann - It was possible to put the interest the Savings Bonds have earned on your parent s returns if you had done it on the return for the tax year in which they died. It involves asking the IRS for automatically-granted permission to change the accounting...

Savings Bonds: Where should I put my money?, savings bonds, t bills
savings bonds, t bills, bank cd: Hi Aron - Savings Bonds aren t a good choice in this situation because you have to hold them for a year. If you re an experienced investor with a willingness to do some work on this, set up an online account with the Treasury and invest in 90-day T-Bills...

Savings Bonds: Name not on bond meant for me, probate court, savings bonds
probate court, savings bonds, lots of money: Hi Josh - The bond can be cashed, but because of the way the bond is registered the money may not be yours. What you need to do depends on whether your grandmother s estate was handled by a probate court or not and whether the case is still open or has been...

Savings Bonds: Name Change & Add Co-Owner, ee bonds, bond advisor
ee bonds, bond advisor, beneficary: Hi Judy - you don t need to sign the bonds for this transaction, but you do need to have a list of them that includes all the basic info - series, face value, issue date, and serial number. You can attach the list to the form for changing the registration....

Savings Bonds: New rate for I bonds, bonds, math
bonds, math, tom adams: Hi Wayne - you got me to double check the calculation, but I still get 3.06%. The formula is ((Sep - Mar) * 2 ) / Mar You multiply by 2 to turn the 6-month difference into an annual rate. Let me know if you still get a different answer. Tom Adams ...

Savings Bonds: Ownership of savings bond, probate court, savings bonds
probate court, savings bonds, savings bond: Hi Phillip - Unfortunately, when your father passed away, the bonds became the sole property of your aunt. Since she didn t change the registration to add a co-owner or beneficiary, at her death the bonds become part of her estate, to be distributed according...

Savings Bonds: optimum purchase date, fdic insurance, inflation rate
fdic insurance, inflation rate, baird: Hi Baird - The inflation rate portion of the I bond will be higher if you wait until after Nov 1. However, because of the volatility in the markets, the fixed-rate portion can t be predicted, and I don t actually know whether it will be better to wait. ...

Savings Bonds: ownership of bonds, social security number, bond advisor
social security number, bond advisor, savings bonds: Hi Henry - If the Savings Bonds have both your mother-in-law s name and her grandchild s name on them, separated by the word OR, they are co-owners. Since your mother-in-law put up the money for the bonds, she is considered the principal owner . Legally,...

Savings Bonds: Who Pays Taxes, series ee bonds, social security number
series ee bonds, social security number, principal owner: Hi Norma - you ve run across a disconnect in the Federal government. The IRS says you are the principal owner of the bond because you inherited it through the POD, and consequently, you re the one who owes the taxes. However, the information you received...

Savings Bonds: Personal Representative Option, income tax rate, ee bonds
income tax rate, ee bonds, bond advisor: Hi John - This isn t really a Savings Bond question - it s an estate law question. You need to ask the lawyer who is helping you probate the estate. How you handle this has implications for estate and income taxes (who pays and how much) that go beyond...

Savings Bonds: POD, savings bonds, death certificate
savings bonds, death certificate, ssn: Hi Victor - it depends on EXACTLY what the bonds say. If the word OR appears before your name, you can cash the bonds without a death certificate. On the other hand, if POD appears before your name, you must have a death certificate to cash the bonds. There...

Savings Bonds: POD BONDS, bond advisor, savings bonds
bond advisor, savings bonds, savings bond: Hi G - In most states, most banks will redeem the bonds. Alternatively, your mother can keep them and have the name changed on them. In either case she ll need a copy of your brother s death certificate. It s best to call ahead and ask the bank if they require...

Savings Bonds: POD Bond, death certificate, beneficiary
death certificate, beneficiary, pod: Hi Phillip - If your name appears after POD on the bond, there s no way you can cash the bond unless you have the owner s death certificate. Unfortunately, this was never really a legal gift to you; legally the bond belongs to the person named before the...

Savings Bonds: POD certificate with both named deceased, treasurydirect gov, death certificates
treasurydirect gov, death certificates, bad car: Hi Tina - I m sorry to hear about your loss. Yes, the father can redeem the bond by sending in the death certificates, the bond, and this form. He ll need to get his signature certified on the form by a bank. http://www.treasurydirect.gov/forms/sav5336.pdf...

Savings Bonds: paper bond, savings bonds, savings bond
savings bonds, savings bond, mother in law: Hi Tami - I m sorry, my expertise is in US Savings Bonds and this predates Savings Bond by about 100 years. There is some information about the Bank on the United States on Wikipedia, which in 1840 was just a bank in Philadelphia about to go bankrupt. See:...

Savings Bonds: Who pays taxes?, bond advisor, savings bonds
bond advisor, savings bonds, savings bond: Hi J - the IRS says the tax is owed by the primary co-owner, which it defines as the co-owner who put up the money for the Savings Bonds. So the only way to transfer the tax to your son is to put the bonds in his name as owner. You could name yourself as the...

Savings Bonds: getting a print out on redeemed series e savings bonds, treasurydirect gov, bond advisor
treasurydirect gov, bond advisor, savings bonds: Hi Kathy - To my knowledge is there is no way to provide the information you re being asked for. I d recommend you go back the people asking for this information and find out what they consider proof . The Treasury will provide proof of the bonds she owes...

Savings Bonds: Re-register savings bonds issued in Trust name, savings bonds, trust name
savings bonds, trust name, trust documents: Hi Mike - If there was no Trust, then I could tell you without any doubt that transferring bonds from a deceased person to her heirs would not be a taxable event. The fact that there s a Trust inserts a bit of doubt into the situation - in part because...

Savings Bonds: Redeem deceased spouse's bond, series ee bond, probate court
series ee bond, probate court, savings bonds: Hi Ruth - It s not clear from your message exactly whose name is on the bond or whether your husband is living. I m going to guess that the bond has only your husband s name on it and that he has passed away. In that case, I also need to know whether his...

Savings Bonds: Redeem, series ee savings bonds, ee savings bonds
series ee savings bonds, ee savings bonds, treasurydirect gov: Hi Bonnie - Most states consider the value of Savings Bonds as part of the taxable estate, but I don t know the laws of New Jersey specifically. You re good - most people never figure out they re paying estate taxes on money that will go to income tax. There...

Savings Bonds: Redeeming POD Bonds, bond advisor, social security number
bond advisor, social security number, principal owner: Hi Kevin - yes, your mother can change the beneficiary to a co-owner using PD F 4000. It s not a taxable event. It takes about three weeks after the Treasury receives the form and the bonds, assuming everything is in order, to get the bonds back. If you...

Savings Bonds: Redeeming Savings bonds, redeeming savings bonds, marriage license
redeeming savings bonds, marriage license, savings bond: Hi Katrina - Each bank has its own ID policies for certifying signatures on Savings Bond redemptions. What you need to do is call your local bank and ask them what kind of ID they ll require in your situation. Usually a copy of your marriage license will do...

Savings Bonds: Reissuing I-Bonds (Registration error for intending use for Education), us savings bond, bond advisor
us savings bond, bond advisor, tax preference: Hi Kevin - As you already know, Savings Bond interest can be tax-free if you use it for a dependent s college education expenses and you meet a number of other requirements, including an income limitation. Complete info on the deduction is here: http://www.savings-bond-advisor.com/the-fine-print-of-the-us-savings-bond-college-education-deduction/...

Savings Bonds: Responsibility for paying taxes on bond interest, hh bonds, social security number
hh bonds, social security number, savings bonds: Hi Karen - The bank has very sloppy procedures. When a co-owner cashes an EE or E Savings Bond, the amount of interest is supposed to be reported to the IRS via the 1099-INT under the Social Security Number of the person cashing the bond. In this case,...

Savings Bonds: Retitling of savings bonds, ee bonds, proper paperwork
ee bonds, proper paperwork, savings bonds: Hi Mark - Normally it takes about three weeks. It can take much longer if the original request was missing required documentation, such as a death certificate, proof of the executor s authority, or the required signatures certified by a bank. My guess would...

Savings Bonds: rate vs yield, series ee bonds, redemption penalty
series ee bonds, redemption penalty, bond advisor: Hi Kent - the yield indicates how well the bond has done over its entire life and is useless for this decision. The rate indicates what s going on with the bond right now and is one of the things you should look at. Older bonds are getting more kick from...

Savings Bonds: re-issue of savings bonds and poa, ee savings bonds, treasurydirect gov
ee savings bonds, treasurydirect gov, ee bonds: Hi Jack - Are you mentioning form 5188 as an example or is that actually the form the husband used to give his wife power of attorney? If so, which boxes are checked? A? B? Both? In any case, if the Power of Attorney the wife has isn t powerful enough to...

Savings Bonds: receiving interest on EE bonds, treasurydirect gov, electronic bonds
treasurydirect gov, electronic bonds, partial withdrawals: Hi Elmer - This isn t as complicated as it sounds: You need to open on online account at http://www.treasurydirect.gov Once you have the account open, you convert your paper bonds to electronic bonds. You can easily make partial withdrawals ($25 or...

Savings Bonds: When/how to redeem bonds by benefiary not named, ee bonds, bond advisor
ee bonds, bond advisor, probate court: Hi Alex - the bonds belong to your wife s father s estate. Did he leave a will that says how he wants to distribute his assets? Depending on the size of his estate (the value of everything he owns), you may have to go through a probate court to have the ownership...

Savings Bonds: How do I redeem E Savings Bonds, bond advisor, savings bonds
bond advisor, savings bonds, loan collateral: Hi Jim - I hope this person is still your friend, because Savings Bonds don t work as loan collateral. Only the person named on the bonds can cash them. Since that person is dead, only his heirs can cash them. If your friend was the only heir and you can...

Savings Bonds: redeem savings bonds, redeeming savings bonds, bond advisor
redeeming savings bonds, bond advisor, savings bond: Hi Linda - Here s a link to information on redeeming Savings Bonds: http://www.savings-bond-advisor.com/how-to-cash-in-a-savings-bond/ I m not sure why you re concerned about the bonds being POD or not. Am I missing part of your question? If so, let...

Savings Bonds: redeeming a bond, deceased person, executor
deceased person, executor, 8 years: Hi Nancy - unfortunately, the giver of this gift made a huge mistake. Legally, this isn t a gift. The bond belongs to the estate of the person whose name is on it. You may be able to work with the next-of-kin to get it cashed and the money given to your son....

Savings Bonds: redeeming savings bonds, redeeming savings bonds, us savings bonds
redeeming savings bonds, us savings bonds, treasurydirect gov: Hi Jim - use this form to cash the bonds. Include a letter explaining that you want to redeem the bonds and have the money and taxes split evenly among the four of you. I believe they ll do that for you, but if they won t, let me know. Here s the form:...