Comments on: Series I Savings Bonds vs the stock market http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/ Sat, 13 Mar 2010 20:13:38 +0000 http://wordpress.org/?v=2.0.4 by: Tom Adams http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-58721 Wed, 17 Feb 2010 14:36:43 +0000 http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-58721 Pete - a.) Do not trade in old I bonds for new ones! b.) Spend some time on other pages of this web site where you can learn <a href="http://www.savings-bond-advisor.com/series-i-interest-rate-rules/" rel="nofollow">how I bond interest rates work</a> and <a href="http://www.savings-bond-advisor.com/new-i-bond-fixed-rate-010-ee-070/" rel="nofollow">the impact of the recent six-month 0% rate period all I bonds went through</a>. Read the comments as well as the main article. Tom Adams Pete -

a.) Do not trade in old I bonds for new ones!

b.) Spend some time on other pages of this web site where you can learn how I bond interest rates work and the impact of the recent six-month 0% rate period all I bonds went through. Read the comments as well as the main article.

Tom Adams

]]> by: Pete http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-58503 Tue, 16 Feb 2010 22:49:40 +0000 http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-58503 I have 3 online I Bonds. The 1st was purchased on 10/1/2005 and it now shows 0% interest being earned. Would I be better off to cash in this bond and buy a new one at the current rate? or will it go up beyond that rate when it begins to earn again? The other 2 I bonds were both purchased on 11/1/2005 and they show 4.08% interest being currently earned....yet those 2 show no increase in value since I last checked them over 1 month ago. Why? I also have many paper I Bonds purchased between Dec 1998 and March 2005. It sounds like these are all going to go into zero % interest also? I have 3 online I Bonds. The 1st was purchased on 10/1/2005 and it now shows 0% interest being earned. Would I be better off to cash in this bond and buy a new one at the current rate? or will it go up beyond that rate when it begins to earn again?

The other 2 I bonds were both purchased on 11/1/2005 and they show 4.08% interest being currently earned….yet those 2 show no increase in value since I last checked them over 1 month ago. Why?

I also have many paper I Bonds purchased between Dec 1998 and March 2005. It sounds like these are all going to go into zero % interest also?

]]> by: Tom Adams http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-57327 Mon, 08 Feb 2010 22:22:34 +0000 http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-57327 <b>Pete</b> - Here's my page on the <a href="http://www.savings-bond-advisor.com/the-fine-print-of-the-us-savings-bond-college-education-deduction/" rel="nofollow">education deduction</a>. If you like my web site you'll <a href="http://www.amazon.com/dp/0976064537?tag=alert-20" rel="nofollow">love my book</a>! <b>Mike</b> - Yes, record keeping is the hard part of that strategy. Tom Adams Pete - Here's my page on the education deduction. If you like my web site you'll love my book!

Mike - Yes, record keeping is the hard part of that strategy.

Tom Adams

]]> by: Mike McCune http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-57273 Sat, 06 Feb 2010 17:28:39 +0000 http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-57273 Hi Tom, After reading your book a couple years ago a situation in which I thought it would be advantageous to pay taxes on savings bonds as you go, would be with my kids. My kids have gotten some bonds in their names as birthday gifts etc. over the years and while they are young and don't have much income (implying a low/no tax rate) it would be an advantage to pay taxes each year when they owe no taxes than to allow interest to compound and pay taxes at a higher rate when they are young adults and earning enough to have to pay. But, realistically, I have yet to do it I suppose because of the recordkeeping and relatively small amounts. Thanks. Hi Tom, After reading your book a couple years ago a situation in which I thought it would be advantageous to pay taxes on savings bonds as you go, would be with my kids. My kids have gotten some bonds in their names as birthday gifts etc. over the years and while they are young and don't have much income (implying a low/no tax rate) it would be an advantage to pay taxes each year when they owe no taxes than to allow interest to compound and pay taxes at a higher rate when they are young adults and earning enough to have to pay. But, realistically, I have yet to do it I suppose because of the recordkeeping and relatively small amounts. Thanks.

]]> by: Pete http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-57252 Fri, 05 Feb 2010 22:29:39 +0000 http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-57252 It turns out that there is a tax free status, but it applies only to higher educational costs. I have a few older savings bonds but have never redeemed one before. Your site has been a wealth of information both to me and some relatives I have passed it onto that were very thankful also. Thanks for the excellent site about savings bonds! and have a great day! It turns out that there is a tax free status, but it applies only to higher educational costs.

I have a few older savings bonds but have never redeemed one before. Your site has been a wealth of information both to me and some relatives I have passed it onto that were very thankful also. Thanks for the excellent site about savings bonds! and have a great day!

]]> by: Tom Adams http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-57238 Fri, 05 Feb 2010 13:31:40 +0000 http://www.savings-bond-advisor.com/i-bonds-versus-the-stock-market/#comment-57238 Pete - your information about <a href="http://www.savings-bond-advisor.com/savings-bond-annual-purchase-limits-reduced-to-5000/" rel="nofollow" rel="nofollow">investment limits</a> is correct, but I've heard nothing about Congress changing the taxable status of I Bonds and think it's pretty unlikely. Do you have a reference for that? Tom Adams Pete - your information about investment limits is correct, but I've heard nothing about Congress changing the taxable status of I Bonds and think it's pretty unlikely. Do you have a reference for that?

Tom Adams

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