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Subject	Date Asked	Expert

trustee listed on bond	2/1/2008	Tom Adams
Q: My sister in law recently passed away and she has a savings bond for my daughter it says Martha or ... A: Is Cindy still alive? Your best bet would be to have Cindy and Chloe go to a bank that handles ...
Emergency Fund Set up Question	1/23/2008	Tom Adams
Q: I noticed on your site that someone commented on how they set up an emergency fund using , I think ... A: If you want to create an emergency fund for yourself, just open a TreasuryDirect account and start ...
Bonds for Education	12/27/2007	Tom Adams
Q: I have some bonds saved up from about 20 years ago. Can I cash in the bonds and transfer the money ... A: if you otherwise qualify for the Savings Bond education deduction, you can cash them, put the money ...
value of 50.00 seires EE	12/26/2007	Tom Adams
Q: i received a savings bond from my departed aunt back in '96 how long do i have until it matures A: that happens in 2026. If you mean when can you cash it, you can cash it now. You can find out what ...
cashing in bonds	12/22/2007	Tom Adams
Q: i have some bonds that have my daughters name on them. she wants to cash them in. does she have to ... A: it would become yours if your daughter died. Assuming your daughter isn't a minor, she should have ...
receiving interest on EE bonds	12/20/2007	Tom Adams
Q: How can I receive interest on EE bonds without redeeming them? A: You need to open on online account at http://www.treasurydirect.gov Once you have the account open, ...
Estate taxes & savings bonds	12/20/2007	Tom Adams
Q: Tom, Can beneficiaries choose to have E/EE bonds x-fered to their names as opposed to cashing? Does ... A: Savings Bonds can be re-registered in the name of a heir. There is no income tax due on this. As ...
what to do about trying to cash in bonds left for me after my divorce	12/19/2007	Tom Adams
Q: 17 years ago, I got a divorce from a Navy man that had bought us savings bonds. He got the first ... A: but I can't guarantee that it will work. Get a copy of this form: ...
college savings bonds	12/19/2007	Tom Adams
Q: Can series EE bonds that were purchased for college expenses be used to purchase a computer that ... A: You can see all the limits of the Savings Bond college education tax deduction here: ...
redeeming savings bonds that were in a deceased relatives name	12/18/2007	Tom Adams
Q: My mother in law found several bonds (over 30 years old)that were in her brothers name in trust for ... A: If it does go through probate, you typically use 5394. Since you mentioned that your mother-in-law ...
Bond Maturity	12/18/2007	Tom Adams
Q: Most of my bonds have matured or met face value. My question is; should I cash them in and purchase ... A: The ones you have pay better rates than new ones (the rules have changed) so you're better off ...
redeeming savings bonds that were in a deceased relatives name	12/18/2007	Tom Adams
Q: My mother in law found several bonds (over 30 years old)that were in her brothers name in trust for ... A: http://www.treasurydirect.gov/forms/sav5394.pdf You will need to provide death certificates for ...
adding name to savings bonds	12/17/2007	Tom Adams
Q: if i add a name to a savings bond made out to me, and that person cashes it, who pays the taxes on ... A: having a bank certify your signature on the form, and sending in the bond with the form (do not sign ...
How do I redeem E Savings Bonds	12/14/2007	Tom Adams
Q: A friend borrowed some money from me and repaid the debt with some E Savings Bonds. not knowing much ... A: because Savings Bonds don't work as loan collateral. Only the person named on the bonds can cash ...
changing ownership of EE bonds	12/14/2007	Tom Adams
Q: Can I purchase a EE Bond straight from the individual that owns it? I know a lot of people who ... A: While it's technically possible to have the name changed to yours, it's much easier to just cash the ...
Re-register savings bonds issued in Trust name	12/12/2007	Tom Adams
Q: Tom - husband and wife had savings bonds issued in the name of their Family (i.e. Living) trust. ... A: then I could tell you without any doubt that transferring bonds from a deceased person to her heirs ...
change beneficiary	12/12/2007	Tom Adams
Q: hope you can help, i have quite a few series ee bonds i bought in the early 70's. at that time i got ... A: Because of that, you can't change the name on these bonds. Moreover, it's a big mistake not to cash ...
Re-register savings bonds issued in Trust name	12/11/2007	Tom Adams
Q: Tom - husband and wife had savings bonds issued in the name of their Family (i.e. Living) trust. ... A: it would be because the Trust documents require it, not because Savings Bond regulations require it. ...
Father died intestate, left I-bonds POD my name	12/11/2007	Tom Adams
Q: My father died intestate two years ago and I just discovered to $5,000. I-bonds with my name as ... A: most banks and other financial institutions will help you cash them. Since you are the named ...
Delete co-owner and add beneficiary	12/11/2007	Tom Adams
Q: Tom - Husband and wife are co-owners of several EE and I bonds. Husband died. 1. May the wife ... A: She should include a copy of her husband's death certificate to make sure it's not recorded as ...
How many bonds did I buy for my son over the years?	12/11/2007	Tom Adams
Q: Over a span of many years, I would buy savings bonds through employers for my son. I have a stack ... A: If the bonds are in your son's name, not yours, you can ask for him if you are the custodial parent. ...
I Bond interest rate changes.	12/6/2007	Tom Adams
Q: Tom, What's up with the I bond interest rate change 1 Nov 2007 and lack of application to bonds ... A: K - yes, the change in the inflation rate applies to all prior I bonds, but not until your bond's ...
cashing I bonds	12/6/2007	Tom Adams
Q: Can I bonds be cashed/redeemed for less than the purchase amount if held for less than 5 years? Can ... A: June - You will get $2,500 of new bonds with the same issue data as your old $5,000 bond and $2,500+ ...
Should one load-up on I-bonds before Jan 1st?	12/5/2007	Tom Adams
Q: Given the fact that the purchase limits will be lowered after Jan 1st, 2008, do you think its a ... A: However, given the current banking crisis and the flight to safety (money moving into Treasury ...
cashing I bonds	12/4/2007	Tom Adams
Q: Can I bonds be cashed/redeemed for less than the purchase amount if held for less than 5 years? Can ... A: but it's unlikely your bank will know this. If they say they can't do it, ask them to call their ...
What forms need to be filled out when bond owner deceased?	12/4/2007	Tom Adams
Q: My mother died leaving 33 Series E bonds (All have matured. Total value < $10,000)). No survivor ... A: http://www.treasurydirect.gov/forms/sav1455.pdf You'll find the instructions on the form. Since the ...
Bond buyer locator	12/2/2007	Tom Adams
Q: I received several bonds for my sons Christening and are missing a few of the actual bonds. They ... A: you are correct - the donor's name doesn't appear on the bond. Moreover, in this case, there's no ...
savings bonds held hostage	12/2/2007	Tom Adams
Q: Adams, My mother took out savings bonds for my sister and me when we were little. We were not ... A: The only thing I can suggest is that you write and ask the Treasury if there are Savings Bonds in ...
Series EE bond spelling mistake on name	12/1/2007	Tom Adams
Q: My son received a Series EE bond from a now deceased aunt and uncle when he was born. Now I'm ... A: Banks understand that mistakes like this are frustratingly common. If the bank absolutely refuses to ...
Inherited Savings Bonds, Value over $100, 000.	12/1/2007	Tom Adams
Q: What is the best way to cash these in? They belonged to deseased parents. Will stipulates 2 siblings ... A: this has to go through probate. If you live in a state that has an estate tax, you should get the ...
Deflation	12/1/2007	Tom Adams
Q: Tom, recently found this comment on another website: ". . . One fact which is not too well ... A: You can find the same info on my web site in the last section on this page: ...
savingsbonds	11/30/2007	Tom Adams
Q: i would like to know if i can cash my husbands savingsbonds? my husband is currently deployed in ... A: You need to take the bonds to your local bank or credit union - it's best if you have an account ...
tsp vs savings bond	11/30/2007	Tom Adams
Q: I was thinking about taking out 10k out of my TSP account and use it to buy 10ea $1,000 I bonds ... A: I'm not sure what you mean by a TSP account. It's not a term I'm familiar with and I don't know if ...
Bonds and Divorce	11/29/2007	Tom Adams
Q: I received Savings Bonds (EE and I) from an ex-spouse through a divorce agreement. They are jointly ... A: If the divorce papers specifically mention the bonds I don't think you need your ex's signature, but ...
savings bonds and 529s	11/29/2007	Tom Adams
Q: I have a customer who has approximately $170,000 is E Bonds. She paid roughly $13400 for the bonds. ... A: The bonds aren't eligible for the Savings Bond deduction and even if they were she's not eligible. ...
Bonds as Educational Investment	11/29/2007	Tom Adams
Q: We just had our first grandchild four months ago. Christmas is coming and we would like to start a ... A: not savings bonds. I'm not an expert in that area, but you can find out more about them here: ...
Series E War Bond	11/29/2007	Tom Adams
Q: I have a series E war bond issued January 3 1946. My grandfather bought it.I can find no reference ... A: when it stopped earning interest. To cash it, you'd need the death certificates of the people named ...
Savings Bonds Inherited	11/28/2007	Tom Adams
Q: If I'm the heir to my aunt's estate, and she has many series E savings bonds in her name only, what ... A: you need to get the bonds you're not going to cash changed to your own name. If you die before the ...
tax on savings bond	11/27/2007	Tom Adams
Q: My uncle died and left me some savings bonds. I am listed as P.O.D. on the bonds. He had the bonds ... A: Things that have "capital gains" get what's called a "stepped-up-basis", meaning you pay tax from ...
Cancel savings bonds	11/26/2007	Tom Adams
Q: How do I cancel my savings bonds? I did not see a form for it or anyone who asked that question. A: You can redeem them - is that what you mean? I'm going to take a wild guess that you're enrolled in ...

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