Tell your mom to buy you some U.S. Savings bonds. I know they don't pay much right now, but for 30-yrs outward, they will increase in value. If she has some currently, and they're getting close to maturity, she should convert them to HH bonds, which are paying 6% interest, semi-annually. This way she avoids paying the taxes for another 10 yrs. Unfortunately you cannot buy these bonds outright. You can only convert from E & EE to HH.
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