Savings Bond Advisor archive for March, 2006

Suze Orman likes Roth IRAs

Wednesday, March 1st, 2006
Categorized as: Savings Bonds and competitive investments
2 Comments
I sometimes watch the Suze Orman show and she always brings up that everyone should pretty much just invest in a Roth IRA. She rarely brings up anything about Series I bonds. Could you briefly explain the differences between the two.

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Should I buy Series I Savings Bonds now or wait?

Friday, March 3rd, 2006
Categorized as: Yesterday's News (old post archive)
9 Comments
One of the comments here says that the Treasury may raise the I bond fixed base rate if the inflation component becomes uncompetitively low. Would this be a reason to hold off buying until after the next set of rates are announced?

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What’s the average investment in Savings Bonds?

Monday, March 6th, 2006
Categorized as: Savings Bond FAQSavings Bonds and competitive investments
No comments yet
Today we apply a little math to government statistics and lose our socks over the number of people who could have very large Savings Bond investments.

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Reclaiming Savings Bonds held in military safekeeping

Tuesday, March 7th, 2006
Categorized as: Lost or stolen US Savings Bonds
8 Comments
I purchased a few Savings Bonds when I was in the Marines in 1970 while at boot camp in San Deigo. I've lost track of them. How can I locate and cash them in?

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Morningstar creates TIPS fund category

Wednesday, March 8th, 2006
Categorized as: Savings Bonds and competitive investmentsTIPS
No comments yet
Morningstar.com, an advisory service for individual investors, has created a separate category for mutual funds that invest primarily in TIPS, the Treasury's marketable-security version of Series I Savings Bonds.

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How Series EE Savings Bond interest rates work

Thursday, March 9th, 2006
Categorized as: Savings Bond interest ratesSeries EE US Savings Bonds
158 Comments
Find out what interest rate your Series EE Saving Bonds are earning now and the rules that will determine your rates in the future.

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Directories of personal finance and investing blogs

Friday, March 10th, 2006
Categorized as: Savings Bond FAQ
1 Comment
A list of directories that catalog investing and personal finance blogs like this one.

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February Savings Bond investment rate still hot, but cooler

Tuesday, March 14th, 2006
Categorized as: Savings Bond investment rate
1 Comment
Investments in new Savings Bonds in February reached an annual rate of about $10.9 billion, much below January's record-setting $18.0 billion annual rate, but still hot.

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Savings Bond Alert #018

Thursday, March 16th, 2006
Categorized as: Savings Bond Alerts
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Inflation and Series I Savings Bond sales move towards normal

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TreasuryDirect refuses to confirm transactions

Thursday, March 16th, 2006
Categorized as: Treasury Direct
17 Comments
I purchased $25K worth of Series I Savings Bonds electronically in January. After four emails, two phone calls, and three letters to TreasuryDirect, they have told me that they refuse to send me a written confirmation that my account even exists.

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Bankrate.com’s current interest rate table

Friday, March 17th, 2006
Categorized as: Savings Bonds and competitive investments
1 Comment
This long list of bank account and CD interest rates is updated every day by Bankrate.com and is republished here with its permission.

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Bankrate.com’s CD interest rates

Monday, March 20th, 2006
Categorized as: Savings Bonds and competitive investments
No comments yet
These charts show the trend in average bank CD rates over the last three months and are automatically updated daily.

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Changing a living co-owner (or owner)

Tuesday, March 21st, 2006
Categorized as: Savings Bond registration changes
10 Comments
I own Savings Bonds, both EE and I, that name co-owners who I no longer wish to have as co-owners. How do I remove their names and put someone else's name on them without cashing them in?

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Should I reinvest my Savings Bonds in an annuity?

Thursday, March 23rd, 2006
Categorized as: Savings Bonds and competitive investments
2 Comments
I have six $10,000 EE bonds purchased in 1995, 96, and 97. Would it be worth my while to cash these bonds in and purchase an annuity?

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Am I an accrual or cash method taxpayer?

Friday, March 24th, 2006
Categorized as: Savings Bond taxes
No comments yet
I purchased a Series I Savings Bond through Treasury Direct. Am I using accrual method accounting or the cash method? The IRS instructions say this will decide whether I should report Savings Bond interest as income each year or later.

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Timing of Savings Bond early-redemption penalty

Monday, March 27th, 2006
Categorized as: Cashing in US Savings Bonds
No comments yet
Does the five-year holding period required to avoid an early-redemption penalty end five years after a Savings Bond's exact issue date?

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Should the elderly redeem their bonds before passing them to heirs?

Tuesday, March 28th, 2006
Categorized as: Inheriting and bequeathing US Savings BondsSavings Bond taxes
18 Comments
My dad is 92 and in pretty good health. He has a large investment in Savings Bonds. Should he cash the bonds in or leave them to be cashed after his death?

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Bank gets POD backwards

Wednesday, March 29th, 2006
Categorized as: Yesterday's News (old post archive)
No comments yet
I just tried to redeem some Savings Bonds that are registered "my name POD my husband's name". The bank said this means I can't cash the bonds until my husband dies. How do I fix this so I can cash them now?

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Why electronic EE Savings Bonds aren’t sold at half face value

Thursday, March 30th, 2006
Categorized as: Buying US Savings BondsSeries EE US Savings Bonds
3 Comments
The series EE double-value marketing gimmick explained.

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What’s a Gulf Coast Recovery Bond?

Thursday, March 30th, 2006
Categorized as: Savings Bond historySeries I US Savings Bonds
4 Comments
Paper Series I bonds purchased through the end of 2006 will be inscribed with the words Gulf Coast Recovery Bond.

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Time to dust off the Savings Bond interest rate crystal ball

Friday, March 31st, 2006
Categorized as: Yesterday's News (old post archive)
3 Comments
You have been right about I bond rates in the past. What's your best guess for the new Series I and EE rates May 1.

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