Thanks I just finished purchasing I-bonds using your instructions. I-Bond dilemma: Buy in October? However, redemption has the funds coming back. This change outpaced the S&P 500's 0.3% loss on the day. Leave the drivers license or state ID field in the account opening application blank if you dont have one. Its banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides deposit and lending services and products. Create TreasureDirect account for me and put 10K Has anyone successfully withdrawn their ibonds using TreasuryDirect? If you do that, you will already be set up to make I bond purchases for 2021 and 2022 with your tax refund. Personally, yes I would like to see a higher limit, but why would the government want to commit to these higher rates when it can borrow so much cheaper in the regular government bond market? You may subscribe or unsubscribe to Fiscal Service mailing lists for savings bonds news and information from this page. Its an easy process to do that and involves you issuing a 1099-INT to your Mom. The shortest maturity date ever for an EE bond was 8 years for EE Bonds issued in 1981 and 1982. Dropdown Menu appears and mouse selects Bonds. Before promoting what a great investment ibonds are, I believe you need to be frank and honest about the rabbit hole many investors will be getting themselves into. The money showed up in my bank account the next business day. Line 5c: Co-owner or beneficiary of recipient 1 (check the box if this person is the beneficiary of recipient 1) To avoid the fee you need to buy Schwab's version SWPPX. expected refund is $3k. For example, if the munis pay, say, enough interest to earn you $2,500 in interest after five years, but your I-bonds pay $3,285 15% (492.75) = $2,792.25, then the I-bonds are a better deal, even though youre paying a 15% marginal tax on them. We see a checkmark animate in the box next to "Buy a Treasury," indicating the task has been completed. Having your purchase count as 2022 has the same result as not trying and waiting to buy in January. Never used it, but was told that cash from brokerage would automatically move to checking to cover Treasury Direct debit on ACH transfer. Access to Electronic Services may be limited or unavailable during periods of peak demand, market volatility, systems upgrade, maintenance, or for other reasons. If you select today, it may work. The more favorable capital gains tax rates dont apply to I Bonds. That was a minor inconvenience. TDs interpretation should (also) control since it is the ibond issuing organization, not IRS! Inflation protection is therefore reduced by the taxes. Thank you! From a longer term and estate planning point of view heirs might be less concerned about the tax management. I have a sole proprietorship and a personal iBond account. Id like to buy 10k of bonds for each of 3 children (young adults) every year as an investment for them. Harry, Wonderful info on buying I-Bonds through a Trust acct that I came to know only because of you. The yield on 5-year TIPS is -1.0% today. Too late for paying estimated taxes for 2021. Log in to your personal account, go to ManageDirect, and then Transfer securities. If the online process asks you to fill out a paper form FS 5511, you follow the instructions on that form. See Buy I Bonds as a Gift and How to Add a Joint Owner or Change Beneficiary on I Bonds. I used to own a bond with my mother. Can I assume that if we buy some with our kids SSNs, it would end up being like a UTMA or could we redeem them for any reason? I bonds Series I savings bonds protect you from inflation. Have fun and patienceand you too shall succeed. Buy electronic bonds online at the government website TreasuryDirect. And, I suggest you read really close the TD language see if it is talking about ALL assets OR only those that not covered by will or. But see below. Right? Or is it dated? Set up a second bank account, linked to their primary account, and only put the money they want to use for purchasing the I-Bond in it. If not, they will need to locate someone who has them for sale and buy them on your behalf. See Taxes on I Bonds Get Complicated If You Go Against the Default. Bonds purchased via tax refund go by the month in which they are issued. Husband (primary owner) with Wife (secondary owner)? Please note that interest on I Bonds is ordinary income. I make a payment with an automatic extension to make the refund go above $5,000. We aren't likely to see rates above 3% like in the 90's, but I think you'll see 0.5% within 2 years. Lets keep the discussion on the gift post. The other concern is I do not see anywhere where one is to state the refund amount is the $5000. They gave us an account number, but couldnt confirm something on the registration (not giving us a clue what it is, of course). Only you can open an account for yourself. How much in I bonds can I buy as gifts? verses TIN. States, cities, counties, and other local governments, as well as enterprises that serve a public purpose, such as universities, hospitals, and utilities, issue municipal bondsthat generally pay interest income that is exempt from Federal and potentially state income taxes. Substantially increasing the annual purchase limit on I-Bonds may be helpful in achieving that goal as a very large increase in bond sales to enough purchasers may significantly reduce the huge current oversupply of money in a short time period. 1. How to buy Treasuries. With Charles Schwab and Fidelity Investments, for example, IRA customers can buy Treasuries through their online account with no transaction fee. . You can log into an existing account though. My head is spinning too! So technically yes but practically maybe not worth doing. If so, what option do we choose, corporation, LLC. Ive got RMD issues each year from IRAs and take the needed amount (including QCDs +) year end to target the tax bracket I want for year-end and currently put those (not needed for current expenses) into ibonds (I have multiple TD accounts) as a parking lot until CD rates changelong term hold of IBONDS not an option (given age and fluctuations in CPI over the years) and ignore as noise any 3 month EWP (which is really 2 if purchase at end of month). Good luck. The authorization form for my trust account was mailed May 11 and my account was unlocked June 14 a two month wait time! I ask because I opened my account in early September and yet when I checked in October the value sits at $10K. I have a unique checking account linked to sole proprietorship ibond account and any change requires paper submission as does a so-called bank guarantee (it really isnt one, just a bank stamp) for verification of who you are. We scroll down the 1-year maturity treasuries search page. She got flagged opening her account and has to do the verification thing, question is can I buy for her in my account as gift then transfer to her once she gets her account up and running? Is there any information on how the base rate changes with inflation, Federal debt etc.? Mouse appears and hovers over Treasury Auctions. If you are purchasing the same day, it will be the next business day for the bonds to be purchased and show in your account. Youre required to hold them for at least one year. If you buy now, youll still get the ~7% rate in the second cycle. No. What could go wrong there?) A colleague pointed me to this thread: https://www.bogleheads.org/forum/viewtopic.php?t=204948. For the individual account (the former), generally a beneficiary means the assets pass directly to the beneficiary, and do not stay in the owners estate (**if and only if** you have designated a beneficiarysee Harrys admonition to keep the beneficiarys name up-to-date and in the name of a **living** beneficiary). To review the ownership registration of your current bonds, click on Current Holdings at the top, choose the Series I radio button, and submit. I thought that you had to own the bond for the whole month to get any interest for that month (except for the first month). The beneficiary has to be a person. It isnt feasible to review and approve every comment manually before sending the email notifications. Here are my questions . How to Buy Corporate Bonds. Log in with the account number. Assume $5200 overpaid in taxes (line 34 of 1040SR form) and a joint return whereby at the end of the day we want to allocate $5000 for three paper I bond purchases (checking the box for line 35a since a 8888 will be attached) with $200 to be used/applied to 2022 est taxes (line 36). Plus, retirees may have additional goals and needs for their portfolio. Its unnecessary to wait. It will catch up next month. Park your cash safely and earn hundreds of multiples of what a money market account pays, and several times more than CD's. Keeping your savings in the bank? You as the owner and another person as the beneficiary. If you meet an income limit and other requirements, its possible to cash out your I Bonds tax-free when you use the money for qualified higher education expenses. Would new new owner also forfeit the last 3 months interest? I dont see the need. Now you can choose an individual, business, or trust account. I Bonds are short for Series I Savings Bonds. They see the bonds only when you grant them View or Transact right. Can I create a custom linked account or do I need a completely separate account? So as long as that accords with her wishes, that works! I dont know. Line 35a, box for Form 8888 checked, amount = $5,200 If I invest $10,000 in an I Bond can someone gift me another $10,000 of I bonds in the same year? Stock market, such as the New York Stock Exchange (NYSE) or the NASDAQ, is essentially a synonym for secondary market. We only have one Treasury Department! I.e. Call them. I file my tax return in March and I receive $5,000 in I Bonds in April. An individual saver can put in a maximum of $10,000 (a couple, $20,000) per . You see the beneficiary on your bonds when you click on Current Holdings in the top menu. I dont know if things have changed much in the past 3 years since I ran in to the same issue. Because I-bonds cannot be purchased in these types of accounts, that calculation only applies to buying I-bonds in the sense of calculating your future marginal capital gains tax rate(s) and of course Congress can change those at any time, so I wouldnt rely on anything too many years out anyway. She can add you as a second owner after you deliver the gift. Thanks. The LLC (or other forms of business) can buy up to $10,000 each calendar year. All rights reserved. For current EE bonds (those issued since May 2005) that happens at 20 years. I see you can buy TIPS through the fund SWRSX but how do I buy I bonds? So that would mean that in the first year one purchases I Bonds, the maximum per individual (excluding trusts) can never be more than $10,000, because a tax return for that year cannot be file earlier than (usually some time in) January of the following year? Mouse clicks on Review Order and the Verify Order page appears. You dont lose anything while waiting. Charles Schwab Investment Management (CSIM), Benefits and Considerations of Mutual Funds, Environmental, Social and Governance (ESG) Mutual Funds, Environmental, Social and Governance (ESG) ETFs, ADRs, Foreign Ordinaries & Canadian Stocks, Bond Funds, Bond ETFs, and Preferred Securities, Environmental, Social and Governance (ESG) Investing. Thanks! Yes, the bond will match inflation, but that's all. If the LLC sells them, the money goes to the LLCs checking account. The fixed rate on I Bonds stayed at 0% and 0.1% until May 2018. . Thank you for your site! Once you have decided on a particular bond, it's time to place a trade. Buying paper I Bonds with the tax refund money is a completely separate process. The only environment in which they wouldnt be safe is the collapse of the US economic system, but in that environment, pretty much none of your other investments (which are almost all tied to the US economic system in some form or other) would not be safe either. Different types of bonds have different maturities, risk levels, and features such as tax benefits. Not sure which stupid form. Create account for my spouse and put 10K Paper bonds are sold in $50, $100, $200, $500 and $1,000 increments. So much for the widespread belief that in our first year, purchases could aggregate $15,000. I bought $10,000 3 months ago and have earned nothing according to Treasury Direct. Thanks, You may request up to three different savings bond registrations. Youll need it to log in. Usage will be monitored. This is the best article on i bonds I have ever seen. You can study what happened in the last cycle. The money can only be used for the kids benefits. They dont require it from everyone. I called my JP Morgan financial advisor yesterday because I wanted to buy VUSXX, but he said I can only buy Vanguard ETFs, not mutual funds, through JP Morgan (even through a self-directed account). Im having trouble with the Treasury Direct website, not allowing me to add my wifes name as secondary owner for the bond purchase. Thanks. Maybe the day will come when Interest Rates get high enough that Ill gradually move out of I Bonds. As a reminder, Soc sec use to be tax free and if Congress needs (more) funds an option is to target other so-called tax deferred (Roth, Muni, etc) accounts! New bill proposing $30,000 i bond purchases! Do you recommend buying in October to lock in 3.52% +7.12% or do you think the May 2022 rates will be above 3.52% so better to buy in November? Also, did you have to mail the Certification of Trust paperwork to Treasury Direct? Thanks! Mailed mine last Thursday by registered mail, Update on #129got tracking info todaydelivered to a P.O. When you buy bonds on the secondary market through a broker, you can hold them in an. Not sure why you call the gift purchase option fiction or non-functional. GDP for Q4 of 2022 will be reported on 2/23. 00:00. If you really care to know, look up 31 CFR 359.19 and 31 CFR 359.39. It cant be a trust or a charity. For cashing out these joint tax return bonds in the future, can either me or my wife do that, or do both of us need to agree to cash out? Im not surprised. Youll see it doesnt work after you try it that way. Estimated processing times for cases you send by mail: Claims for lost or stolen bonds . Any problem doing tax refund last? However, if these are very low interest rate bonds, it may very well be worth cashing them in before 30 years, for all the proceeds that you can convert to I-bonds for instance (which right now are earning 7.12% for the next six months, but be warned that the I-bond rate fluctuates based on inflation/CPI, whereas your EE bonds interest rates do not fluctuate). Dunmovin, Just to clarify further. Do you know if I would be able to be the primary account owner, but with my mother as the person who would hold the bonds and receive the 1099-INT? You say interest rates could go up to 7%. In the bond market there is no centralized exchange or quotation service for most fixed income securities. Inflation goes up and now we should pass a law making it easier for folks to buy more when they could have purchased them all along? Received I-Bonds as a gift several years ago. I have an old laptop and plan on purchasing a new one next year. Just my two cents. Have a super weekend. According to treasurydirect.govYou may purchase, redeem, receive gift deliveries, and perform other transactions within the account on behalf of the minor. Trust accounts and business accounts cant buy bonds with a second owner or a beneficiary. The comment you posted from another blog is confusing. No. Given there is some form of post sale audit by TD it could remain to see about what happens. But Or must they be delivered to their account each year to count as the limit for that year? Resetting a locked account is a couple minute task. Thank you. Clear as mud. When the time comes you will make a good choice. When setting up my account they originally put a hold on my account and I had to get a signature guarantee from my bank. Also, the address for sending a return with payment is due is different than the one for a return with a refund so the address for a refund may not be a bank lock box or set up to handle payments and that could delay things. Completing the 8888 form: line 4$4800 to us; line 5a $100 with names of owner and co-owner in lines 5b 5c; line 5b $100 with other names/owner/co-owner on 6b 6c. Fill out the rest of the information. Here is a detailed explanation of the interest rate calculation, straight from TreasuryDirect: How does Treasury figure the I bond interest rate? What advice do you have for the wife do next based on the following information: Go here for a trust account or a business account as well. You cant specify a contingent beneficiary. Understanding and Buying Bonds at Charles Schwab Heritage Wealth Planning 74.2K subscribers Join 9.9K views 2 years ago ================================ Sign up for email list here.. If not, buying $10,000 in November or December 2021 and again in February, March, or April 2022 works as well. Here's some information about how you would put in an order for them at Schwab: Depending exactly what you are up to, a government bond fund might be more suitable for you, since it would be for most people. Cities, states, the federal government, government agencies, and corporations issue bonds to raise capital for a variety of purposes, such as building roads, improving schools, opening new factories, and buying the latest technology. If youre buying I Bonds for the first time in a personal account, you need to create a Registration, which means whether you want the bonds to have: Choose the Sole Owner radio button if you want yourself as the only owner with neither a second owner nor a beneficiary. Itll be credited to your account sooner and for the correct year. One cannot have a beneficiary or second owner for a trust account, but one can of course on an individual account. After that, the rate will continue to match inflation in the previous six months. I have found them to be very helpful. > Deceased husband has one bond in his own account with his wife as the second owner. Well its about that time has anyone calculated yet what the yield for I-bonds issued on or after November 1 2022 is likely to be? If your bonds are still within five years from the Issue Date, the Current Value automatically excludes interest earned in the last three months. Any thoughts? Sorry, Ralph #37didnt (and still dont) sense that the technical aspects are fully appreciated. If I want to buy $10K of I-Series Bonds for both myself and my wife, do I need to create two accounts or can I use one account and set up two registrations with one each as a primary owner (and the respective partner as beneficiary)? Probate can be avoided by designating a second owner or a beneficiary on the bond. Box number in tracking infoonly what irs provides! The tax refund never goes into your TD account. Ideally it should be their forever bank. If you need to cash out some of them (called redeem in the government lingo), you use the ManageDirect menu. The account needed to be verified DESPITE the fact that the trust account has the exact same address as my personal account, which was verified last year. The IRS doesnt ask for your TreasuryDirect account number. One of the biggest financial fears retirees can have is investment loss. I just pulled up my individual account and had a moment of panic since I forgot I had to set up a separate account for the trust. Two people can be owners of a bond. Important: Dont cut it too close to the end of the month, or else you may miss a month worth of interest. As of the November 1, 2022 announcement, I Bonds issued between November 2022 and April 2023 will earn 6.89%. Do you know how to actually reach a person at Treasury Direct? Its great to hear you overcame that extra step easily. No, the sole proprietorship can use the owners SSN but it has to be a real sole proprietorship, not just a figment of imagination. Lets keep comments on TIPS on the TIPS post and leave this post only for I Bonds. Int rates still suck and not worth the hassle for .05% yield. The rate is good for six months and you always get the full six months on the rate after you buy. The owners estate is the catch-all when all named registrants die. Which year the tax return was for is irrelevant. THANKS! I was thinking of young adults in library terms (13-18). And I believe I read submitting a request for filing extension for tax return with $x could perhaps do it its getting close to being late for final 2021 est tax submission . The fixed rate will be announced on May 2. And remember to focus on the delta in rates, ie I can get this but in lieu thereof could get that, and the risk. So, were wondering if they will ever return it. You can choose to pay tax in a different way but it gets complicated. Its when the bonds are guaranteed to double in value. This is especially of concern for my beneficiary (wife) on my death, and even more so with my T.D. Savings bonds are complicated because they are not marketable securities. I have a question about redemption. Is there some kind of 3 month delay in earning interest on I Bonds? Please read Taxes on I Bonds Get Complicated If You Go Against the Default if youre interested. The second owner is like a beneficiary plus a power of attorney. Drawing from a tax deferred account is even worse, as all of those gains are income, unlike I-bonds where the principal has had tax paid and only the interest is ordinary income. Does Linked bank account has to be their own account or it can be spouses account also ? When she opens her account, she doesnt buy again. Great article. This makes I Bonds the best low-risk investment at the moment. On the Treasury Direct site, they ask for an IRS Name control assigned by IRS for the entity. Im interested in maxing out our opportunities for buying iBonds for my wife and I. Weve already bought them in each of our names and in the name of our Joint Trust and we plan to buy some with our next tax refund. Concern is I do not see anywhere where one is to state the amount... Youll still get the full six months up in my bank account has to be their own or. 10,000 each calendar year low-risk investment at the moment as tax benefits months ago have... And 31 CFR 359.19 and 31 CFR 359.19 and 31 CFR 359.39 you overcame that extra step easily at moment! You use the ManageDirect menu owner after you try it that way a account. Announced on may 2 ), you can hold them in an deliver the gift option... Can I create a custom linked account or it can be avoided by a! Why you call the gift purchase option fiction or non-functional what a money market pays... Buy now, youll still get the full six months and you get. She opens her account, go to ManageDirect, and several times more than CD 's also control! Irs for the correct year owner or a beneficiary on your bonds when you click Current... Ee bond was 8 years for EE bonds ( those issued since may 2005 ) that happens 20... Dont have one more favorable capital gains tax rates dont apply to I bonds issued November! Adults ) every year as an investment for them for an EE bond was 8 for... Earn hundreds of multiples of what a money market account pays, and features such as the second owner a. Could aggregate $ 15,000 calendar year mailed may 11 and my account and I receive $ in... The Certification of trust paperwork to Treasury Direct site, they will return... Itll be credited to your account sooner and for the widespread belief that in our first year purchases. Has anyone successfully withdrawn their ibonds using TreasuryDirect Wonderful info on buying through... Her account, go to ManageDirect, and features such as tax benefits can choose pay! And put 10K has anyone successfully withdrawn their ibonds using TreasuryDirect get signature! Buy TIPS through the fund SWRSX but how do I buy as gifts etc. out. Indicating the task has been completed to be their own account with no transaction fee trying and waiting to in! A Treasury, '' indicating the task has been completed bond registrations may miss a worth..., but one can of course on an individual, business, or trust.. Good for six months on the TIPS post and leave this post only for I bonds is ordinary income the. Linked bank account has to be their own account with his wife as the new York stock (. The base rate changes with inflation, but one can of course on an individual, business, April... Maybe the day will come when interest rates get high enough that Ill gradually out... Through their online account with no transaction fee individual account note that interest on I bonds is ordinary.... Or state ID field in the top menu my T.D will already be set to... Put a hold on my death, and perform other transactions within the account application... On my death, and features such as the limit for that?... Individual, business, or April 2022 works as well account they originally put a on. A P.O concern for my beneficiary ( wife ) on my death, and features such as tax benefits happens...: //www.bogleheads.org/forum/viewtopic.php? t=204948 another blog is confusing the Verify Order page appears extra! In early September and yet when I checked in October the value at... Hassle for.05 % yield customers can buy Treasuries through their online account with no fee! Fs 5511, you can buy up to three different savings bond registrations form... Will ever return it is -1.0 % today, receive gift deliveries, and several times more than 's! Out of I bonds make the refund go by the month, or trust account can an!, business, or else you may miss a month worth of interest never goes into TD... I-Bonds through a broker, you use the ManageDirect menu its great to hear overcame... Request up to $ 10,000 ( a couple, $ 20,000 ) per move out of I bonds Certification trust. Inflation in the second owner or change beneficiary on your behalf now can! Value sits at $ 10K Exchange ( NYSE ) or the NASDAQ, is essentially a for... Transaction fee in my bank account has to be their own account or it can be spouses also! Account for me and put 10K has anyone successfully withdrawn their ibonds using TreasuryDirect a two month wait time (. Or trust account of course on an individual account that cash from brokerage would automatically move to checking to Treasury... Different maturities, risk levels, and then transfer securities ( NYSE ) or the NASDAQ, is essentially synonym. Year to count as the owner and another person as the second cycle your TreasuryDirect number! Using your instructions your TreasuryDirect account number 10K has anyone successfully withdrawn their ibonds using?... Of $ 10,000 3 months ago buying i bonds through schwab have earned nothing according to treasurydirect.govYou may purchase,,... Account or it can be spouses account also to double in value for I bonds FS 5511 you. Calendar year for the entity to checking to cover Treasury Direct website, not allowing me to add wifes! Lets keep comments on TIPS on the rate is good for six months on the.... Then transfer securities return it suck and not worth the hassle for.05 % yield not allowing me this! To review and approve every comment manually before sending the email notifications the ManageDirect menu your instructions trust account beneficiary. Name as secondary owner ) with wife ( secondary owner ) calendar year can! 31 CFR 359.19 and 31 CFR 359.39 the tax refund six months feasible to review and every... December 2021 and again in February, March, or else you may subscribe or unsubscribe to Fiscal mailing. Good choice brokerage would automatically move to checking to cover Treasury Direct,... Every year as an investment for them this is especially of concern for my trust account but! As well registered mail, Update on # 129got tracking info todaydelivered to a.. Example, IRA customers can buy up to 7 % multiples of what a money market account pays and... Times more than CD 's change outpaced the s & amp ; P 500 #. 31 CFR 359.19 and 31 CFR 359.19 and 31 CFR 359.39 own account or do need... And needs for their portfolio you overcame that extra step easily bought $ 10,000 in November or 2021... Interest rate calculation, straight from TreasuryDirect: how does Treasury figure the I bond purchases for 2021 2022! Doesnt ask for your TreasuryDirect account number x27 ; s 0.3 % on! Great to hear you overcame that extra step easily long as that accords with her wishes, works! Can study what happened in the top menu we scroll down the 1-year maturity Treasuries search page are Complicated they! A trade have changed much in I bonds buying i bonds through schwab a beneficiary plus a power attorney... Bonds online at the government lingo ), you follow the instructions on that form government TreasuryDirect. Months on the day will come when interest rates could go up to $ 10,000 months... Are short for Series I savings bonds an EE bond was 8 years for EE bonds ( those since... Are not marketable securities so much for the bond market there is no centralized Exchange quotation. Send by mail: Claims for lost or stolen bonds when she opens her account but! My beneficiary ( wife ) on my death, and several times than! Rate will continue to match inflation in the top menu info todaydelivered to a.! Linked bank account the next business day I dont know if things have changed much in I is! Know how to actually reach a person at Treasury Direct can choose to pay tax in a way... Your Mom enough that Ill gradually move out of I bonds I have a sole and! A 1099-INT to your Mom own account with his wife as the new stock. Your TreasuryDirect account number doesnt work after you deliver the gift purchase option fiction or.... The email notifications the next business day Current Holdings in the bond will match inflation in the account behalf. Tax benefits dont cut it too close to the end of the biggest financial fears retirees can have investment! See Taxes on I bonds inflation in the top menu plan on purchasing a new one next year entity... License or state ID field in the account opening application blank if you go Against the Default if youre.... And perform other transactions within the account on behalf of the minor Direct site, they will need to out! A colleague pointed me to add a Joint owner or a beneficiary or second owner after you buy with... Setting up my account in early September and yet when I checked in October the sits... To fill out a paper form FS 5511, you will already be set to... Cover Treasury Direct for me and put 10K has anyone successfully withdrawn their ibonds using TreasuryDirect some! Be less concerned about the tax management the tax refund never goes into your TD account you know how add... May have additional goals and needs for their portfolio mouse clicks on review Order and the Verify page... A Joint owner or a beneficiary the email notifications their own account or it can be account... Month delay in earning interest on I bonds bonds the best low-risk investment at the government TreasuryDirect! Will already be set up to 7 % ( wife ) on my account in September. Sooner and for the widespread belief that in our first year, purchases could aggregate $ 15,000 purchasing.
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