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Savings Bond Advisor: How U.S. Savings Bonds Really Work--with Investment, Tax, and Estate Strategies

Savings Bond Advisor: How U.S. Savings Bonds Really Work--with Investment, Tax, and Estate Strategies

Penned By Tom Adams
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Savings Bond Advisor: How U.S. Savings Bonds Really Work--with Investment, Tax, and Estate Strategies

Savings Bond Advisor: How U.S. Savings Bonds Really Work--with Investment, Tax, and Estate Strategies

Penned By Tom Adams
4.85 62,723 Ratings
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Editor's Note:
Savings Bond Advisor will introduce you to the Cinderella of investments, the U.S. Savings Bond. Financial pundits have neglected the Savings Bond for a generation. Meanwhile, millions of Americans have invested significant portions of their money in Savings Bonds. Savings Bonds have been dressing for the ball since the U.S. Treasury introduced the inflation-protected Series I Bond and online accounts at Treasury Direct. After a weekend reading Savings Bond Advisor, you'll understand how Savings Bonds work, how to open an account at Treasury Direct, the history of inflation, and why the Series I Savings Bond - which protects you from the risk of default, the risk of inflation, the risk of capital loss, and comes with tax advantages - should be the foundation of your savings and investment holdings. Everyone should have a part of their investment portfolio in readily-available emergency funds. I bonds are an easy choice for this low-risk portion of your investment portfolio. If you already have an investment in Savings Bonds, you'll learn investment strategies that will increase the value of your holdings, estate planning strategies that will save your family money, and tax strategies that will help you avoid the Stinker Bond Penalty, the Double-Taxation Trap, the Deferred-Tax Time Bomb, and hidden interest-rate penalties. You'll also find out that some older Savings Bonds are a bad choice for almost every investor and what to do if you own one. The book includes access to a web site, www.savings-bond-advisor.com, that has the latest information about Savings Bond interest rates and program changes, as well as links to the forms you need to settle estates, replace lost bonds, update bondregistrations, and receive the Savings Bond college education tax-deduction. Tom Adams, the author of Savings Bond Advisor, also answers questions from the book's readers on the web site.

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Length N/A Pages
Language Eng
Released May 1, 2006
Identifier (ISBN) 3267698
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Tom Adams
The Mind Behind the Work
Tom Adams

Tom Adams writes contemporary fiction and has always been fascinated by character-driven stories. They hold a degree in English Literature and previously worked as an editor before transitioning to writing their own books. Tom Adams lives with their spouse and a very vocal rescue cat.

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Margaret Evans
Margaret Evans March 30, 2025
"A highly sophisticated read. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A very distinguished novel."
Jacob Lopez
Jacob Lopez November 18, 2025
"I was completely blown away. The prose is exquisite. It’s accessible yet undeniably sophisticated. A true literary gem."
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Thomas Lee
Thomas Lee June 05, 2025
"I thoroughly enjoyed the elegance of it. The protagonist was compelling, though some subplots felt slightly overshadowed. A very distinguished novel."
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Emily Evans
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"Such a rich narrative. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
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"Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
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"Such a rich narrative. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author."
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"Honestly one of the most premium reading experiences lately. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading."
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Margaret Johnson
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Stephanie Miller
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"Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend."
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"I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me."
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"Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. Worth every moment spent reading."
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"I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers."
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"I was completely blown away. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
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"Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. A very distinguished novel."
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"Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. I am now a lifelong fan of this author."
Jessica Flores
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"A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me."
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"A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem."
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"Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars."
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Mary Hall
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"I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall."
Emily Torres
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"A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I am now a lifelong fan of this author."
Jessica Turner
Jessica Turner August 27, 2024
"Absolutely brilliant. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece."
Paul Flores
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"I thoroughly enjoyed the elegance of it. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend."
Linda Young
Linda Young April 13, 2025
"An acceptable diversion. It possessed moments of brilliance, but the narrative felt slightly disjointed ultimately. Suitable if your reading queue is empty."
Susan Rivera
Susan Rivera December 13, 2024
"Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
Laura Johnson
Laura Johnson August 14, 2024
"Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. A wonderful companion for a quiet weekend."
Cynthia Anderson
Cynthia Anderson September 25, 2025
"I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. Quite impressive overall."
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Rebecca Adams May 07, 2024
"A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem."
Cynthia Miller
Cynthia Miller August 10, 2025
"Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. A true literary gem."
Susan Moore
Susan Moore February 29, 2024
"Such a rich narrative. I became deeply invested in the protagonist's journey. A masterclass in storytelling. Worth every moment spent reading."
Emily Torres
Emily Torres May 17, 2025
"Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. I am now a lifelong fan of this author."
Anthony Jones
Anthony Jones May 30, 2025
"Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
Jennifer Perez
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"Exceeded all my expectations. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars."
Emily Torres
Emily Torres January 01, 2024
"A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers."
Edward Miller
Edward Miller February 04, 2024
"I thoroughly enjoyed the elegance of it. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend."
Jennifer Diaz
Jennifer Diaz February 09, 2025
"A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars."
Amanda Evans
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"Not entirely to my refined tastes. Certain acts were fascinating, while others felt like a slight endeavor to complete. Perfectly average."
Kimberly Mitchell
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"A profoundly satisfying read. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem."
Rebecca Adams
Rebecca Adams May 25, 2024
"Exceeded all my expectations. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I will undoubtedly revisit this masterpiece."
Lisa Green
Lisa Green April 17, 2024
"Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I will undoubtedly revisit this masterpiece."
Susan  Davis
Susan Davis September 28, 2024
"Absolutely brilliant. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
Margaret Ramirez
Margaret Ramirez March 13, 2025
"Masterpiece from start to finish. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An effortless 5 stars."
George Lopez
George Lopez June 28, 2025
"Absolutely brilliant. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars."
Betty Rodriguez
Betty Rodriguez August 27, 2025
"Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars."
Andrew Williams
Andrew Williams July 24, 2025
"Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading."
Jessica Campbell
Jessica Campbell October 27, 2025
"A highly sophisticated read. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel."
Margaret King
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"Honestly one of the most premium reading experiences lately. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. A true literary gem."
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Emily Torres
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"Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. A very distinguished novel."
Emily Moore
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"A very strong entry. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A very distinguished novel."
Deborah Thomas
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"Absolutely brilliant. The author orchestrated a breathtaking finale. Truly a work of art. An absolute must-read for connoisseurs of the genre."
Karen Ramirez
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"Excellent, though slightly flawed. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. Quite impressive overall."
Matthew Carter
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"An acceptable diversion. The tempo was somewhat languid, and I found my mind wandering. Not poor, simply average. A fair 3 stars."
Margaret Lee
Margaret Lee June 08, 2025
"A profoundly satisfying read. I adored how the story unfolded. It kept me captivated without sacrificing elegance. An absolute must-read for connoisseurs of the genre."
Margaret Roberts
Margaret Roberts January 02, 2025
"An acceptable diversion. It verged on repetitive in the second act. A more concise edit would have served it well. Perhaps more aligned with a different audience's tastes."
Emily Moore
Emily Moore January 02, 2025
"Absolutely brilliant. The prose is exquisite. It’s accessible yet undeniably sophisticated. Worth every moment spent reading."
Anthony Taylor
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"A highly sophisticated read. It held my rapt attention, even when certain twists were telegraphed. A solid 4 stars from me."
Andrew Scott
Andrew Scott March 22, 2024
"Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. A very distinguished novel."
Rebecca Harris
Rebecca Harris April 04, 2025
"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. I would highly recommend this to discerning readers."
Betty Gonzalez
Betty Gonzalez April 26, 2024
"Took a moment to build, but the payoff was spectacular. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel."
Matthew Flores
Matthew Flores December 13, 2025
"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. A solid 4 stars from me."
Matthew Flores
Matthew Flores September 05, 2025
"I thoroughly enjoyed the elegance of it. It held my rapt attention, even when certain twists were telegraphed. Quite impressive overall."
Michelle Sanchez
Michelle Sanchez March 05, 2025
"Honestly one of the most premium reading experiences lately. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
Elizabeth Martin
Elizabeth Martin June 25, 2024
"Masterpiece from start to finish. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author."
Donna Turner
Donna Turner January 29, 2025
"I find myself somewhat conflicted. Certain acts were fascinating, while others felt like a slight endeavor to complete. Suitable if your reading queue is empty."
Sharon Carter
Sharon Carter November 22, 2024
"Excellent, though slightly flawed. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers."
Kimberly Anderson
Kimberly Anderson July 07, 2025
"Absolutely brilliant. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars."
Thomas Taylor
Thomas Taylor April 10, 2025
"I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An absolute must-read for connoisseurs of the genre."
Joshua Anderson
Joshua Anderson February 22, 2025
"I find myself somewhat conflicted. Certain acts were fascinating, while others felt like a slight endeavor to complete. Perfectly average."
Joseph Thompson
Joseph Thompson June 29, 2025
"Exceeded all my expectations. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. A true literary gem."
Joshua Lopez
Joshua Lopez August 31, 2024
"Exceeded all my expectations. The author orchestrated a breathtaking finale. Truly a work of art. A true literary gem."
Susan Jones
Susan Jones September 25, 2025
"A highly sophisticated read. A brilliant concept executed with flair. Just a few pacing choices I would change. A wonderful companion for a quiet weekend."
Cynthia Torres
Cynthia Torres October 11, 2025
"A profoundly satisfying read. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. I will undoubtedly revisit this masterpiece."
Sharon Carter
Sharon Carter July 29, 2025
"A profoundly satisfying read. The prose is exquisite. It’s accessible yet undeniably sophisticated. An effortless 5 stars."
Sharon Robinson
Sharon Robinson May 19, 2024
"Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. An effortless 5 stars."
Margaret Anderson
Margaret Anderson April 14, 2024
"A very strong entry. The middle had a deliberate pace, but the climax was phenomenal. A very distinguished novel."
Margaret Martin
Margaret Martin March 26, 2024
"I was completely blown away. It strikes a perfect harmony of dialogue and world-building. Every chapter felt necessary. An effortless 5 stars."
Christopher Flores
Christopher Flores December 10, 2024
"Took a moment to build, but the payoff was spectacular. The protagonist was compelling, though some subplots felt slightly overshadowed. A solid 4 stars from me."
Jessica Turner
Jessica Turner April 15, 2025
"A very strong entry. A brilliant concept executed with flair. Just a few pacing choices I would change. I would highly recommend this to discerning readers."
Kevin Williams
Kevin Williams December 26, 2025
"Exceeded all my expectations. The prose is exquisite. It’s accessible yet undeniably sophisticated. An absolute must-read for connoisseurs of the genre."
Deborah  Davis
Deborah Davis March 31, 2025
"Such a rich narrative. I adored how the story unfolded. It kept me captivated without sacrificing elegance. I am now a lifelong fan of this author."
James Scott
James Scott February 21, 2024
"Not entirely to my refined tastes. Certain acts were fascinating, while others felt like a slight endeavor to complete. A fair 3 stars."
Andrew Scott
Andrew Scott October 02, 2024
"Honestly one of the most premium reading experiences lately. The pacing was impeccable and the characters felt incredibly authentic. I was completely immersed. An absolute must-read for connoisseurs of the genre."
Emily Moore
Emily Moore March 02, 2024
"Masterpiece from start to finish. The author orchestrated a breathtaking finale. Truly a work of art. An effortless 5 stars."
Rebecca Hall
Rebecca Hall December 30, 2025
"Masterpiece from start to finish. I became deeply invested in the protagonist's journey. A masterclass in storytelling. I am now a lifelong fan of this author."
Kenneth Gonzalez
Kenneth Gonzalez August 31, 2025
"A highly sophisticated read. Beautiful writing, though I craved slightly more depth in the lore. Still, undeniably engaging. A wonderful companion for a quiet weekend."
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