Most of the time, no apparent cause for night leg cramps can be identified. In general, night leg cramps are likely to be related to muscle fatigue and nerve problems. The risk of having night leg cramps increases with age. Pregnant women also have a higher likelihood of having night leg cramps. Several conditions, such as kidney failure and diabetic nerve damage, are known to cause night leg cramps.
The math shows real after-tax TIPS annual yield of -.4% and -2.15% for the nominal Treasury at 35% tax rates. The TIPS does mitigate the after-tax impact of inflation; but does not remove it. In fact, the only way to guarantee a real bond yield is to exempt it from tax and offer the inflation gross-up.
According to Treasury Direct, interest from EE U.S. savings bonds is taxed at the federal level but not the state or local level for income. It is also taxed through federal and state estate, gift and excise taxes. The interest in the amount that a bond can be redeemed for above the face value of the bond, which is its original purchase price. Ownership of the bond governs who is responsible for paying tax on the interest. If one person purchases the bond and is the sole owner for the life of the bond, that person owes the taxes on the interest. If a child is the sole owner, a parent may report the interest on the bond and pay the taxes on the parent's tax return. If one person purchases the bond and adds another person to the bond as co-owner and that person remains as such for the life of the bond, the purchaser is responsible for the taxes.