If the investor could only reinvest at 4 % (say, because market returns fell after the bonds were issued), the investor's
actual return on the bond investment would be lower than expected.
Another thing you should do that can save you time during the
actual process, is to have copies of pay stubs, two year's worth of tax
returns, bank statements, other assets like stock,
bond or life insurance policy as well as information
on your outstanding debts.