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I-bond links?
Old 07-04-2005, 10:51 AM   #1
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I-bond links?

In one of the topics I've read in the last week, there was a link toa thread on I-bonds in another forum (Morningstar). The thread lead subject was I-bonds and written by the coffee house investor author. Additionally, there were several pages of Q & A.

Does anyone have this link? Apparently, I didn't bookmark it when I thought I did. Thanks in advance.
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Re: I-bond links?
Old 07-04-2005, 01:21 PM   #2
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Re: I-bond links?

See Updated I bond Tutorial

- Alec
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Re: I-bond links?
Old 07-04-2005, 06:18 PM   #3
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Re: I-bond links?

that's the one! THANKS!
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Re: I-bond links?
Old 07-05-2005, 05:50 AM   #4
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Re: I-bond links?

I Bonds seem like a good idea now from what I can tell. 4.8% Tax Free if you qualify (Education), otherwise Federal Tax Deferred. $60k per couple Electronic and $60k Per couple Paper. For Un-Registered Funds. (Non 401k or IRA)

Hmmm. What does everyone else think.

SWR
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Re: I-bond links?
Old 07-05-2005, 06:09 AM   #5
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Re: I-bond links?

Quote:
Originally Posted by ShokWaveRider
I Bonds seem like a good idea now from what I can tell. 4.8% Tax Free if you qualify, $60k per couple Electronic and $60k Per couple Paper. For Un-Registered Funds. (Non 401k or IRA)

Hmmm.* What does everyone else think.

SWR
I like it, if taxability was an issue with me. It's not..............yet.

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Re: I-bond links?
Old 07-05-2005, 06:24 AM   #6
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Re: I-bond links?

Quote:
4.8% Tax Free
Tax deferred, not tax free.
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Re: I-bond links?
Old 07-05-2005, 06:36 AM   #7
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Re: I-bond links?

Quote:
Originally Posted by Michael
Tax deferred, not tax free.
Right, I missed that.

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Re: I-bond links?
Old 07-05-2005, 07:49 AM   #8
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Re: I-bond links?

but tax free on your state taxes, correct?
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Re: I-bond links?
Old 07-05-2005, 10:45 AM   #9
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Re: I-bond links?

They're a good deal if CPI doesnt come down. If CPI drops to 1-1.5% you'll be getting 2-2.5% and wishing you'd bought those 4.5-5% CD's instead.

Its my wan opinion that rates AND inflation will both start dropping within a year or two, and stay low for at least several years. Long term CD rates give me that idea...
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Re: I-bond links?
Old 07-05-2005, 10:53 AM   #10
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Re: I-bond links?

I would be really surprised if long term CPI drops below 2% for
any significant length of time. The long term trend is closer to
3%, I believe. The all invasive price of oil will take its pound of
flesh eventually. That and when our foreign creditors start getting
antsy.

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Re: I-bond links?
Old 07-05-2005, 11:07 AM   #11
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Re: I-bond links?

Oh, i'll be surprised if it drops below 2% for a significant length of time. Whats 'significant' though...?

I think it'll come down with rates for at least 3, maybe 5 years. Which is why I went cd's instead of ibonds. Beyond 5 years? I dunno.
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Re: I-bond links?
Old 07-05-2005, 11:19 AM   #12
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Re: I-bond links?

Quote:
Originally Posted by glenlogie
but tax free on your state taxes, correct?
Yup.

Quote:
Originally Posted by Notth
They're a good deal if CPI doesnt come down. If CPI drops to 1-1.5% you'll be getting 2-2.5% and wishing you'd bought those 4.5-5% CD's instead.
I wonder if the Hedonics Handbook tells them to keep things between 2-3% so that the deflation alarmists and the mortgage brokers can all live peacefully together...

My FIL gets a bit nervous when his CDs approach the FDIC limit. (The $95K "jumbo" CDs could have been patented by him.) He's much happier with buying EE & I bonds and forgetting about them, although he's still not convinced that Treasury Direct isn't just another one o' them Internet scams like that durn newfangled eBay. (Heck, he probably still holds HH bonds. I'll have to ask him.) I'm sure they have one of the five-cubic-foot safe deposit boxes tucked away in a local bank...
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Re: I-bond links?
Old 07-05-2005, 11:37 AM   #13
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Re: I-bond links?

Mmm hmmm...my dad with a fireproof box full of ee bonds hidden up in his attic under the insulation. Frickin thing weighs about a hundred lubs. I dont know how he got it up there.
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Re: I-bond links?
Old 07-05-2005, 11:49 AM   #14
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Re: I-bond links?

Quote:
Originally Posted by Notth
Mmm hmmm...my dad with a fireproof box full of ee bonds hidden up in his attic under the insulation. Frickin thing weighs about a hundred lubs. I dont know how he got it up there.
I got some E Bonds from Aug 77. Just for an example, got a $25 bond that is valued at $125.61 last time I looked. Guess I got to cash it in in '07.
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