# Tax Time Savings Bonds Site Coordinator Toolkit 2013

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2 Tax Time Savings Bonds and IRS Form 8888 Volunteer Training PowerPoint Speaker Guide Slide1 All taxpayers with a refund or \$50 or more are eligible to purchase Series I Savings Bonds using IRS Form The purpose of this presentation is to train you to explain this policy to clients and to process bond orders using IRS Form 8888 Slide 2 Saving is hard for low-income consumers for several reasons Slide 3 Bonds make saving easy because of these 3 critical ingredients. Emphasize #2 - Assistance from Volunteers Slide 4 Review the purpose of the presentation Slide 5 Just walk through the main points of the policy Slide 6 This is how many people had bonds purchased in their name in each year. Main point: the program is growing each year, and our goal is 100k in 2012 Slides 7 & 8 Pop Quiz 1 Slide 9 & 10 Pop Quiz 2 Slide 11 These are the parts of the bond If they are bought as a gift or if there is a co-owner, those names will appear as well. Paper bonds will be sent in 3-5 weeks The Client Refund Summary, which clients take home with them, tells them what to do if a bond is lost, stolen, or damaged. Your FAQ also has that info.

8 MORE ON INTEREST RATES Additional Questions & Information How is this interest rate calculated for Series I Savings Bonds? This interest rate is known as a composite interest rate because it has two parts: a guaranteed fixed rate, which does not change over the 30 year period of the bond; and a semiannual inflation rate, which is adjusted twice a year, in May and November. Here's how the composite rate for I bonds issued November 2012 April 2013 was set: Fixed rate = 0.00% Semiannual inflation rate = 0.88% Composite rate = [Fixed rate + (2 x Semiannual inflation rate) + (Fixed rate x Semiannual inflation rate)] Composite rate = [ (2 x ) + ( x )] Composite rate = [ ] Composite rate = Composite rate = Composite rate = 1.18% How does the interest rate change? The interest rate for a Series I savings bond has two parts: the fixed rate and the semiannual inflation rate. The fixed rate does not change, but the semiannual inflation rate changes every six months. So when the semiannual inflation rate changes, that will change the interest rate. I understand that the interest rate for the Series I savings bond has 2 components. How is the adjustable (inflation) rate set? The BPD bases the Series I bond semiannual inflation rate component on the Consumer Price Index for Urban Consumers (CPI-U), which is published by the Bureau of Labor Statistics. The Series I bond inflation rate component announced in November reflects the annualized percentage change between the unadjusted March and September CPI-U indexes. The rate announced in May reflects the annualized percentage change between the September and March indexes. Since I bonds were introduced in September 1998, the annualized inflation rate component has ranged from a low of -5.56% to a high of 5.70%. 4

9 MORE ON CO-OWNERS If I buy a savings bond with a co-owner, who is liable for the tax on the interest when it the bond is redeemed? Whichever co-owner redeems the bond will pay taxes on the interest. When a person redeems a savings bond, the institution paying the bond will report the interest earned on the bonds to that person AND to the IRS. The person will receive an IRS Form 1099-INT from the institution, either at the time the bonds are redeemed, or shortly after the end of the year in which the person redeemed the bonds. This person is required to include, on his or her tax return, the interest earned on the bonds for the year the bonds are redeemed or disposed of in a taxable transaction, or the bonds reach final maturity, whichever occurs first. What happens in the event of the death of one of the co-owners? If a co-owner dies, the other co-owner becomes the sole owner. If both co- owners die, the beneficiary becomes the new owner. OTHER GENERAL QUESTIONS When I buy a savings bond, what does the government do with that money? When I cash one, where does the money come from? The government borrows money to cover any spending needs above and beyond what it takes in through taxes, fees and other forms of revenue. Savings Bonds are one of several ways in which the government borrows money. However, Savings Bond are a very small percentage of the government s public debt, which is the money the government borrows from the public. When you redeem a Savings Bond, the money comes from the same government funds which are a mix of tax receipts and borrowing. 5

12 PART III: TO RECEIVE SOME OF THE REFUND BY CHECK Line 7: Enter the amount that you would like to be sent by check. PART IV: MAKE SURE THE NUMBERS ADD UP! Line 8: The total on line 8 must equal the total amount of your refund shown on your tax return. It must also equal the total of the amounts on lines 1a, 2a, 3a, 4, 5a, 6a, and 7. If the total on line 8 is different, a check will be sent instead.

13 Summary of your Refund Form 8888 This form provides a summary of how you will be receiving your tax refund. If you ordered savings bonds, the Bureau of Public Debt (BPD) will mail them to you in 3-5 weeks.

14 Keep your bonds safe! If your bond is lost, stolen, or destroyed, you will need to fill out a Form 1048, which you can download from the Forms section at You can look up the current value of your savings bonds online at To find out more information or if you have any questions, call or go to

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