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Welcome to the Jill on Money Show. It is Friday, September 23rd, and we are here answering

your financial questions. If you have something going on in your life, maybe has a couple numbers

attached to it, maybe you would like a second and third opinion, Mark Tulershoe, best executive

producer in the world. We are both certified financial planners. We are not in business doing that.

We just have the designations. We are delighted to chat with you.

One of the things we do like to encourage you to consider is to come on the program with us,

mostly because it gives us a chance to ask you follow-up questions. We are very nosy.

You know that if you come on the show, we are going to ask you about your estate planning.

And if you're feeling sheepish about that, don't worry, maybe we can help you.

Maybe we can nudge you a little bit. So that's what I would like to say.

So go to the website JillOnMoney.com. Click the contact us button and we'll be there to answer

that question. Question number one is about series I savings bonds. And the question is,

what are the pros and cons with respect to owning them? How are yields calculated?

What are the penalties for early redemption?

Okay. So the first thing you need to know is all information about I bonds is available

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