My name is XXXXX XXXXX I'm a Moderator for JustAnswer. Thanks for your question! This is not a request for more information and I apologize if this message caused you any confusion. I'm sorry that you haven't received an answer yet. Most questions are responded to within the hour, but this can depend on different factors, including the difficulty of your question, how many questions are being posted by customers, whether or not this type of question can be answered in an online forum and how many Experts are on the site at the time your question posts. I will go ahead and try to find an Expert to assist you with your question and appreciate your patience. You will receive an email notification when an Expert replies to you, just as you did here. Unfortunately, I can not guarantee a time-frame for which yours will be answered and I apologize a head of time if the wait is longer than expected. Please do not reply to this message unless you do not need further help. If that is the case, please let me know and I can assist you with that. When you reply, it locks out the question from the Experts and will slow down their response time to you. If they need more information, they will let you know. Please remember that if you get a satisfactory answer from your Expert to click the green accept button so the Expert is compensated for a job well done. Positive feedback is appreciated by them also. :) If you have any questions regarding deposits or billing, please feel free to use the help link below: http://ww2.justanswer.com/help
Best, Lindie Moderator
Regarding the savings bonds, you will have to hang on to them for at least 12 months before they can be cashed. If you are the owner, you can cash them. Otherwise, you'll have to hang on to them until a time when your granddaughter is old enough to take care of them.
On the estate and inheritance taxes, we do not yet know what the federal tax law will be going forward. There will most likely be an exclusion for amounts under $1,000,000, so they will probably not be subject to federal estate tax. Depending on the state where they live and the state you live in, there may be state taxes. If you are all living in New York, there is no estate or inheritance tax this year.
Thank you for you question. Feel free to reply if you need additional help.