Savings Bond Advisor archive for January, 2005

Declaring Savings Bond interest annually

Tuesday, January 4th, 2005
Categorized as: Savings Bond taxes
1 Comment
My 17-year-old son has series EE bonds that now approach 10k in value. I want to have him file a tax return this year to pay the accrued interest now and then begin paying it annually before he is in a higher tax bracket. How do I go about this?

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Can a co-owner cash a Savings Bond without the owner’s permission?

Wednesday, January 5th, 2005
Categorized as: Cashing in US Savings Bonds
24 Comments
My son was owner of some Savings Bonds and his dad was co-owner. What happens if his dad took the Savings Bonds and cashed them without my son's signature? Can he do that? And what can I do to get his money back?

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Type of death certificate required

Thursday, January 6th, 2005
Categorized as: Inheriting and bequeathing US Savings BondsSavings Bond registration changes
6 Comments
My mother died and left her Series EE Bonds, which are registred in her name only, to her grandchildren. Do they each need an original of her death certificate to have the registration changed or would a copy of the original suffice?

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Putting savings bonds into a trust

Friday, January 7th, 2005
Categorized as: Inheriting and bequeathing US Savings BondsSavings Bond registration changes
11 Comments
I'm looking for the form I need to put my savings bonds into a family trust.

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Saving for college with U.S. Savings Bonds

Tuesday, January 11th, 2005
Categorized as: Savings Bond college education deduction
2 Comments
I am interested in looking at Series EE Savings Bonds as a monthly investment for my young son who enters college in the fall of 2010. Is it a good choice to invest in these?

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Fixing misspelled name on savings bond

Wednesday, January 12th, 2005
Categorized as: Savings Bond registration changes
12 Comments
I bought a savings bond for my granddaughter, who is 18 months old. The registration has an "s" at the end of her last name that should not be there. Will she have problems cashing the bond at a later date?

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Do savings bonds become worthless when the owner dies?

Thursday, January 13th, 2005
Categorized as: Inheriting and bequeathing US Savings Bonds
No comments yet
My aunt recently presented me with several savings bonds she purchased about 25 years ago. They are made out to her or me, but her social security number is on them while mine is not. Somebody told me that without my social security number on the bonds, I can't redeem them. They said I have to get her to redeem them, or once she dies, they become totally worthless. Is this true?

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Death of paper Savings Bond imminent?

Friday, January 14th, 2005
Categorized as: Savings Bond FAQ
2 Comments
It is my understanding that sometime this year the paper savings bond program will be done away with. Have you heard when this might happen?

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Redeeming Series H/HH Savings Bonds

Wednesday, January 19th, 2005
Categorized as: Cashing in US Savings BondsSeries HH or H US Savings Bonds
56 Comments
I inherited some HH Bonds about three years ago. I receive interest every six months which would be this month and in June. I want to cash at least one of them in. Do I do it now? My bank will not cash it, so how do I proceed?

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Previous values of Savings Bonds

Monday, January 24th, 2005
Categorized as: Current value of a US Savings Bond
No comments yet
How do you find out how much the bonds were worth as of December 2002 and June 2004?

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All about Savings Bond rate periods

Tuesday, January 25th, 2005
Categorized as: Savings Bond interest rates
2 Comments
It's impossible to understand Savings Bond interest rates until you understand how rate periods work.

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Terminally ill owner of Savings Bonds

Thursday, January 27th, 2005
Categorized as: Inheriting and bequeathing US Savings BondsSavings Bond registration changes
No comments yet
My mother has terminal lung cancer and is too ill to take care of this, so I told her I would do it for her. She has a lot of series EE savings bonds. Some of the bonds are in her name along with my younger sister who died three years ago. I really don't know that much about bonds and what to do with them.

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Whose signature is needed when cashing in a minor’s Savings Bond?

Friday, January 28th, 2005
Categorized as: Cashing in US Savings Bonds
No comments yet
How does a minor cash a Savings Bond if they aren't old enough to sign or don't have an ID?

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Denominations and Serial Numbers

Monday, January 31st, 2005
Categorized as: Savings Bond FAQ
No comments yet
I have a list of my Savings Bonds that includes serial numbers, dates, and registrations, but I forgot to write down the denominations. Can I tell the denominations from the letter in the serial numbers?

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