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    I'm finally going to cash in my savings bonds that I've been getting since I was 6 or 7 years old (they're all officially double what they were purchased for!). I'm going to use about 25% of the money on stuff I need now, and I want to start a savings account with the other 75%. My question is, can I cash these bonds in at my local (or any) bank. All of the bonds are addressed to me, and most of them even have my ss# on them (the others have my grandma's). However, I've never done this before, so I don't know if you have to go through some special state or federal reserve place to do this, and I'd like to get the answer to this here, so I don't have to waste my time driving to the bank just to be told that I can't redeem them there. And as a sub-question, does the bank have to give you the correct amount that the bonds are worth (going by the official treasury.gov bond calculator), or will the bank screw me and give me less? Will they tax me or take a percentage? Thanks!

    The bank that I work in, will only cash bonds for people who have other accounts with us. That may not be the case with the banks in your area. Call them and ask. As long as they are willing to cash in the bonds so that you can open an acount with them, you can cash the bonds that have your name and SS# on them. The ones that are in your Grandmother's name and SS# are another thing. If your name is not listed as beneficiary, then you cannot cash these bonds. Your Grandmother will have to do so. The bank you go to may charge you for cashing the bonds, if you don't have any other accounts with them. That would be their policy and none of us here will know for sure. The bank will not tax you. However, you will be given a paper stating the interest that was paid out and you will need to claim this interest as income on next year's taxes.

    STOP! Before you cash them all in, check to see the rate of interest you are receiving. You say that you only need 25% of the cash. Will you invest the remaining 75% in an investment that will pay more than you are receiving? Many banks pay lower rates, especially on money that is not 'locked in' for a period of time. When will you need the money? Maybe you should look at locking in the funds for various lengths of time. For example, invest a percentage into each of 1, 2 3, 4 and 5 year terms. That way you will have money available each year and you can decide if you want to lock it into a longer term of if you want to invest it in mutual funds, stocks, bonds, etc. If you are dealing with a knowledgeable investment advisor, this could be a good time to purchase stocks as they are now on sale. However, it is important to diversify and keep money in many different types of investments as some do well while others do poorly. The best ones will not do as well next year and the poor ones might do very well so diversity is necessary.

    Redeeming Hh Bonds

    Any bank will cash the bonds, and include the final totals and the amount of interest on the bonds as well, so you can use that figure for income tax purposes.

    It depends. Does it say "and" or "or" between the 2 names? If it says and then you need her signature. If it says or then you can cash it by yourself. If she is unable to sign it, then she needs to have a power of attorney to sign it. If she does not have a power of attorney, then you need to contact your bank to see what they can do for you. EDIT:If there is no "and" or "or" between the names then her name is on there just as the purchaser. You should be able to cash it with out any problems.

    My mother gave me her savings bonds before she died, she is the primary her spouse is the secondary. I cannot legally cash these bonds, they belong to the surviving spouse correct? waynebrosman@comcast.net

    "Savings bonds can be redeemed (cashed in) at many banks or directly with a branch of the Federal Reserve Bank. Using your bank, credit union, or savings and loan is probably the fastest way to cash a bond, but be certain to call ahead to ask (you might need to bring certain documentation). In some cases, the bank may send the bonds to the Fed, which will slow things down. If your bank will not cooperate, contact the appropriate Fed branch to redeem bonds by mail or via the web (see links at the end of this article). At the time of purchase, a bond can be registered to a single person ("single ownership"), registered to two people ("co-ownership"), or can be registered to a primary owner and a beneficiary ("beneficiary"). In the case of co-ownership, either named individual can do whatever they like with the bond without consent for the other person; if one dies, the other becomes the single owner. In the case of beneficiary registration (bond is marked POD for "payable on death"), the primary owner controls the bond, and ownership (including the responsibility of paying taxes on the interest) passes to the beneficiary if the primary owner dies. Interest from Savings Bonds can excluded if used to pay higher education expenses such as college tuition. Please see the article elsewhere in the FAQ for more details. ... Series EE Bonds Series EE bonds are issued on paper and electronically. Paper bonds are purchased at half their face value or denomination; for example, you purchase a $100 Series EE Bond issued on paper for $50. Electronic bonds are purchased at face value; for example, you purchase a $100 Series EE Bond electronically via Treasury Direct for $100. The minimum purchase is $25 for a $50 paper bond or $25 for a $25 electronic bond from Treasury Direct. The maximum annual purchase is $30,000 in paper bonds and another $30,000 in Treasury Direct bonds (that's a total of 60K). The limit applies to bonds where your name appears, so you cannot evade the limits by using many different co-owners. This is independent of the limit on I bonds (see above). Series EE Bonds earn market-based rates that change every 6 months. There is no way to predict when a Series EE bond will reach its face value. For example, a Series EE Bond earning an average of 5% would reach face value in 14 1/2 years while a bond earning an average of 6% would reach face value in 12 years. Series EE Bonds issued after 1 February 2003 must be held for at least 12 months before they can be cashed (bonds issued before then could be cashed anytime after 6 months). Series EE Bonds absolutely should be cashed before their final maturity dates for the following reasons. Firstly, if you fail to cash the Series EE bond before the critical date, you will be losing money because the bond will no longer be earning interest. Secondly, under IRS regulations, tax is due on the interest in the year the bond is cashed or it reaches final maturity. If you hold the bond beyond 12/31 of the final-maturity year, then when you finally get around to cashing it, you will not only owe the tax on the earnings, but interest and penalties besides. As in the case of I Bonds, interest can be deferred or declared on your taxes annually. Until September 2004, holders of Series EE bonds who wished to defer tax on the interest paid by those bonds at maturity could cash in their EE bonds to purchase Series HH Savings bonds (prior to 1980, H Bonds). Series HH Bonds pay interest every 6 months, in the form of a check from the Treasury. When the HH bond matures, the holder receives the principal, and a form 1099-INT for that deferred EE interest. However, Series HH bonds are no longer sold. Ownership of Series EE bonds can be transferred, which is called a "reissue" by the US Treasury. For example if a grandparent wants to give a grandchild some money, bonds can be reissued in the child's name. A transfer in ownership where a living person who was an owner relinquishes all ownership of a bond is a taxable event. This means that the person giving the bonds (the "principal owner") incurs a tax liability for the accrued interest up to the date of transfer and must pay Uncle Sam. It's essential to keep good records until the time when the beneficiary finally cashes the bonds in. Recall that all interest on the bond is paid when it's cashed in. Because someone paid some tax on that interest already, the person cashing the bond should not pay tax on the full amount. Alternatively, the grandparent could just add the grandchild as a co-owner, which doesn't result in anyone incurring a tax liability at the transfer. The Treasury Department's web site has the required forms for reissuing Series EE bonds, namely Public Debt Forms 1851, 1938, and 4000. Each kind of permitted reissue has a special form with the instrctions. Before describing the specific conditions that apply to Series EE bonds issued on various dates, it's important to understand the terminology that is used in these explanations. The following list should help. Warning: this gets complicated quickly, thanks to your friends at the US Treasury. Issue date: The first day of the month of purchase. Shown on the face of the bond. Note that the bond face may also show the date on which the Treasury processed an application and printed the bond, but that's not the issue date. Nominal original maturity (date): The latest date at which a Series EE Bond reaches its face value. Because the rate varies over the life of the bond, this is just an estimate. The applicable rates need only exceed the guaranteed rate (see below) by a small amount for the actual original maturity date to occur earlier than the nominal maturity date. Final maturity (date): the date following which the bond no longer earns any interest (see discussion above about cashing bonds before this date). Guaranteed minimum rate during original maturity: the minimum interest rate that the US treasury will pay you on the bonds, no matter what the market rate may be. This can either be stated as an interest rate (from which the nominal original maturity date can be calculated) or as a nominal original maturity date (from which the minimum guaranteed rate can be calculated). Note that the Treasury states this guaranteed minimum rate as the overall yield from issuance, not as the minimum rate for each six-month period. For example, if a bond paid 8% for some period of time but the overall guaranteed yield is 4%, then depending on interest rates and markets, the bond might pay just 1% for some six-month periods without violating the minimum-rate guarantee. Crediting of interest: Prior to 1 May 1995, interest was credited monthly, and calculated to the first day of the month you cash it in (up to 30 months, and to the previous 6 month interval after). Bonds issued after 1 May 1995 and all earlier bonds entering any extended maturity period after 1 May 1995 will only earn interest from that point on every six months. For bonds issued after 1 May 1995 or for earlier bonds entering any extended maturity period after that date, you cash them as soon as possible after any 6 month anniversary date, because cashing a bond any time between any two 6th month anniversary dates loses all interest since the last 6 month anniversary date. Maturity period: there are actually three different maturity periods. First, the initial maturity period is the time required to achieve the guarantee that the bond will double in value. Bonds issued in 2004 are guaranteed to double in value in 20 years, so that's their initial maturity period. Second, an extended maturity period is begun at the end of the initial maturity period if there are more than 10 years left before the bond stops earning interest. An extended maturity period is always 10 years long. Third, the final maturity period is the maturity period in which the bond stops earning interest. The final maturity period can be any length. For example, EE bonds issued in 2004 have only the 20-year initial maturity period and a 10-year final maturity period. Earlier bonds with a 17-year initial maturity period have one 10-year extended maturity period and a 3-year final maturity period. The only context in which maturity periods are relevant is with guaranteed rates, which neither the EE nor the I Bonds issued in 2004 have. For older bonds crossing over from one maturity period to another, however, they pick up the current guaranteed rate (4% as of early 2004) when they cross the boundary. The following list attempts to summarize the rules that apply to Series E or EE Bonds that were issued in various time periods. Note that the rule changes generally change the game only for bonds that are issued after the rule change. Outstanding Series E Bonds and Savings Notes as well as Series EE Bonds issued in general continue to earn interest unter the terms of their original offerings, even as they enter extension periods. These rules get complicated very quickly, and this article doesn't attempt to be definitive. See the links at the bottom for help with calculating the current redemption value of any bond. Series E bonds issued before 1980 These bonds are very similar to EE bonds, except they were purchased at 75% of face value. Everything else stated here about EE bonds applies also to E bonds. Series EE Savings bonds issued 1 November 1982 -- 31 October 1986 These bonds have a minimum rate of 7.5% through their maturity period of 9 yrs 7 mos. Series EE Savings bonds issued 1 November 1986 -- 28 February 1993 The bonds earn a 6% guaranteed rate until they reach face value (which may be before their 12th anniversary depending on prevailing rates), after which they earn prevailing market based rates, or at least the minimum 4.0% guaranteed rate for the remainder of their life. Series EE Savings bonds issued 1 March 1993 -- 30 April 1995 If held at least 5 years, these bonds have a minimum rate of 4%, and this rate is guaranteed through their original maturity of 18 years. These EE bonds earn a flat 4% through the first 5 years rather than the short-term rate, and the interest will accrue semiannually. Any bond issued before 1 May 1995 earn a minimum of 4% after it enters its next extended maturity period. Series EE Savings bonds issued 1 May 1995 -- 30 April 1997 These bonds earn market-based rates from purchase through their original maturity dates. They earn the short-term rate for the first five years after purchase and the long-term rate from the fifth through the seventeenth year. The bonds continue to earn interest after 17 years for a total of 30 years at the rates then in effect for extensions. If the market-based rates are not sufficient for a bond to reach face value in 17 years, the Treasury will make a one-time adjustment to increase it to face value at that time. Therefore, you are guaranteed that a bond will be worth its face value as of 17 years of its purchase date. This equates to a minimum interest rate of 4.1%. If the market-based rates are higher than this, the bond will be worth more than its face value after 17 years. The short-term rate is 85% of the average of six-month Treasury security yields. A new rate is announced and becomes effective each May 1 and November 1. The May 1 rate reflects market yields during the preceding February, March, and April. The November 1 rate reflects market yields during the preceding August, September, and October. The long-term rate is 85% of the average of five-year Treasury security yields. A new rate is announced and becomes effective each May 1 and November 1. The May 1 rate reflects market yields during the preceding November through April and the November 1 rate reflects market yields during the preceding May through October. Interest is added to the value of the bonds every six months. Bonds increase in value six months after purchase and every six months thereafter. For example, a bond purchased in June will increase in value on December 1 and on each following June 1 and December 1. When investors cash their bonds they receive the value of the bond as of the last date interest was added. If an investor redeems a savings bond between scheduled interest dates the investor will not receive interest for the partial period. Series EE Savings bonds issued 1 May 1997 -- 30 April 2003 These bonds earn a market rate that is 90% of the average market rate on 5-year Treasury notes, which is considered a long-term rate (this change ends the the two-tier long-term/short-term rate system used previously). Interest is compounded semiannually but credited monthly (not every 6 months as before), which reduces the chance of losing interest by cashing a bond at the wrong time. There are two catches: bonds may not be cashed during the first year, and a three-month interest penalty is imposed if a savings bond is redeemed within the first five years. These bonds are guaranteed to reach maturity in 17 years. However, there is no guaranteed rate to complicate things for these. Series EE Savings bonds issued 1 May 2003 -- present These bonds are guaranteed to reach face value in 20 years. Otherwise, they are subject to the same rules as described immediately above (May 97 - April 03). For current rates, you may call 1-800-4US-Bonds (1-800-487-2663) within the US. You can call any Federal Reserve Bank to request redemption tables for US Savings Bonds. You may also request the tables from The Bureau of Public Debt, Bonds Div., Parkersburg, Jacksonville 26106-1328. Here a few web resources that may help. The official US Savings Bonds web site offers a huge amount of information, including information about the current redemption value (CRV) of bonds. It also can enroll you in the Treasury Direct program, which lets you purchase Series EE (denominations 50 to 1000) and I Bonds (denominations 50 to 500) via direct debit from a bank account (purchases with a credit card ended in 2003). Treasury's Bureau of the Public Debt maintains another government web site with comprehensive information about savings bonds (includes information about branches of the Federal Reserve Bank): www.publicdebt.treas.gov. The Savings bond Wizard help you manage your own Savings Bond inventory. It's a PC program, available free of charge: Quinn, Sr. runs a web site that offers information and assistance with savings bond issues: Weishaar offers detailed advice on maximizing the return from savings bonds and much background information to help you understand these investments. Note that these complex regulations come from many of the same people who developed the US Tax Code. See any similarities? " "Subject: Bonds - U.S. Savings Bonds for Education Last-Revised: 4 Jan 2006 Contributed-By: Jackie Brahney (info at savingsbonds.com) You can use your U.S. Savings Bonds towards your child's education and exclude all the interest earned from your federal income. This is sometimes known as the Tax Free Interest for Education program. Here are some basics on how the Education Savings Bond program works. You can exclude all or a portion of the interest earned from savings bonds from your federal income tax. Qualified higher education expenses, incurred by the taxpayer, the taxpayers spouse or the taxpayer's dependent at a institution or State tuition plans (see below) have to incur in the same calendar year the bonds are cashed in. The following qualifications and exclusions apply. Only Series EE or I Bonds issued in 1990 and later apply; "Older" bonds cannot be exchanged towards newer bonds. When purchasing bonds to be used for education, you do NOT have to declare that at the time of purchase that will be using them for education purposes. You can choose NOT to use the bonds for education if you so choose at a later date. You must be at least 24 years old when you purchase(d) the bonds. When using bonds for a child's education, register the bonds in your name, NOT the child's name. A child CAN NOT be listed as a CO-OWNER on the bond. The child can be a beneficiary on the bond and the education exclusion can still apply. If you are married, a joint return MUST be filed to qualify for the education exclusion. You are required to report both the principal and the interest from the bonds to pay for qualified expenses Use Form 8815 to exclude interest for college tuition. Here are a few frequently asked questions. Does everyone in every income bracket qualify? No. For tax year 2005, the interest exclusion is reduced for single taxpayers with a modified gross income of 61,200, and eliminated completely at incomes of 76,200 and up. For married couples who file jointly, the exclusion is reduced for incomes of 91,850 and eliminated completely at 121,850 and up. These income limitations apply to the year you use the bonds, and NOT when you purchase the bonds. What Institutions Qualify for the Exclusion? Post secondary institutions, colleges, universities, and various vocational schools. The schools qualify must participate in federally assisted programs (ex. They offer a guaranteed student loan program). Beauty or secretarial schools and proprietary institutions usually do not apply. What are Qualified Expenses? Tuition and fees, for any course or educational program that involves sports, games or hobbies, lab fees and other required course expenses that relate to an educational degree or certificate-granting program. These expenses must be incurred during the same tax year in which the bonds are cashed in. Note: Room/board expenses, books, and expendable materials (pens, notepads, etc.) do not qualify. A bit of advice: when purchasing bonds that you think will be used for educational purposes, purchase them in small denominations. That way you won't have to cash in more bonds than are necessary to pay the current college tuition expenses. Remember, any excess monies you receive from cashing in some savings bonds that EXCEED the tuition bills may create a taxable event when you file your federal tax return. (Savings Bonds are always exempt from State and Local/City taxes.) Here are some resources on the web that can help. The Treasury Department's web site: The bond experts at SavingsBonds.com: " That is the article that was referenced re: ed uses. Sorry for the bad news.

RE: Loans for Studying in America?

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    Davon Emard
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