Search found 3721 matches

by House Blend
Sat Feb 25, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Roth "earned income" is 1040 Line 7 only? (salary) ; filing an amendment ? :)
Replies: 8
Views: 526

Re: Roth "earned income" is 1040 Line 7 only? (salary) ; filing an amendment ? :)

The BG wiki is out of date . The new term-of-art is "taxable compensation", and earned income means something else entirely (or ceased to exist?). See pub 590-a What is the BG wiki? Our Boglehead wiki? Would you be able to link the out-of-date part? Thanks :happy Yes the Boglehead wiki so...
by House Blend
Sat Feb 25, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: AGI in Roth phase out
Replies: 7
Views: 508

Re: AGI in Roth phase out

If you have no traditional IRA, you should instead consider setting up a backdoor Roth IRA.

Same consideration applies independently to spouse, who might or might not have a traditional IRA.
https://www.bogleheads.org/wiki/Backdoor_Roth_IRA
by House Blend
Sat Feb 25, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 4
Views: 189

Re: Is this a wash sale?

Your broker is correct. You may see the light if you read the docs over at fairmark on wash sales. (I believe there are links to them from the BH wiki page on wash sales.) If you want to think it through on your own, consider this thought experiment: what would be the tax consequences if it were a w...
by House Blend
Fri Feb 24, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Bear-Proof Bond Allocation
Replies: 12
Views: 1279

Re: Bear-Proof Bond Allocation

It's true that Traditional is not going to zig when stocks zag. I think the main thing to ask is whether or not you really need the zigginess that Treasuries offer. An argument to make is that you need it more if you are taking on more equity risk, not less. If you can get by without it, I would jus...
by House Blend
Fri Feb 24, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: No Tax sheltering for NJ public employees!
Replies: 6
Views: 701

Re: No Tax sheltering for NJ public employees!

For her, and based on that: http://www.state.nj.us/treasury/pensions/sact.shtml There is a Regular Plan and a Tax-Sheltered Plan. Tax-shelter I guess is the 403b, and may have some better options comparing to my 401K, but what I understood is that it is only for teachers and alike, not all public e...
by House Blend
Fri Feb 24, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax importing Vanguard funds
Replies: 6
Views: 639

Re: TurboTax importing Vanguard funds

HueyLD wrote:It also does not know that part of the VWIUX is exempt from NJ taxes.

Note: the NJ portion of the dividends distributed by VWIUX are taxed by New Jersey.

In order for the NJ portion to qualify for NJ exemption, a mutual fund must hold at least 80% of its assets in NJ and Federal obligations....
by House Blend
Wed Feb 22, 2017 9:54 pm
Forum: Investing - Theory, News & General
Topic: Carry forward loss / tax loss harvesting (TLH) question
Replies: 3
Views: 307

Re: Carry forward loss / tax loss harvesting (TLH) question

Also, when you end up deducting losses against ordinary income, your bank of ST losses gets sacrificed first.

That particular bit of trivia is implicit in the Capital Loss Carryover Worksheet (see the instructions for Schedule D), and not readily apparent from Schedule D itself.
by House Blend
Wed Feb 22, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put bonds with only a Taxable Account & IRAs?
Replies: 9
Views: 841

Re: Where to put bonds with only a Taxable Account & IRAs?

What are your thoughts on rebalancing into a bond position.... [snip] I live in California. VCAIX (Vanguard's intermediate term CA bond fund) seems palatable for a taxable account, but is it alone a good choice or should other bonds be considered? I'd love to just do something balanced like Vanguat...
by House Blend
Wed Feb 22, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 30
Views: 2296

Re: Betterment, $500k in cash, no taxable events to transfer?

I think for some people the calculation is: A. Pay 0.25% (or whatever) and have someone TLH for me, or B. Pay nothing and don't TLH. My original post in this thread was about A vs. C: C. Pay nothing and learn to TLH on my own. I have a lot of teammates in Camp C, but there are also many Bogleheads i...
by House Blend
Wed Feb 22, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Advice: Traditional vs Roth at top of 15% bracket with unrealized taxable account gains
Replies: 17
Views: 627

Re: Advice: Traditional vs Roth at top of 15% bracket with unrealized taxable account gains

This just reflects my ignorance and need to read more about backdoor Roth's. You wrote, "The main flaw with that is that once in the 28% bracket, you may be in danger of needing to use the Backdoor Roth, in which case you'd rather not have any pre-tax IRA money." Does a work-place pre-tax...
by House Blend
Wed Feb 22, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and LTCG help please
Replies: 14
Views: 780

Re: Retirement and LTCG help please

In addition to clarifications others have posted about... * properly understanding that LT cap gains, even when taxed at 0%, still count as income when determining what tax bracket you are in, * the fact that personal exemptions, in addition to (standard) deductions, lower your taxable income, and n...
by House Blend
Wed Feb 22, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Selling mutual funds in non retirement account
Replies: 6
Views: 369

Re: Selling mutual funds in non retirement account

So if I choose Specific ID- after 1-2 business days , they will provide me options , on what lots I can sell. Great! Will I have choice on quantity too or one or more particular lots must be selected fully? Yup. Once it is in place, you can navigate to the "cost basis" tab on your account...
by House Blend
Wed Feb 22, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Specified ID Shares and Older VG Accounts/Purchases
Replies: 9
Views: 472

Re: Specified ID Shares and Older VG Accounts/Purchases

If I'm reading/interpreting this correctly... https://www.irs.gov/instructions/i8949/ch02.html#d0e774 It looks like on form 8949 I simply enter the correct amount in column (e) cost basis, enter code 'B' in column (f) codes, and enter zero in column (g) adjustment. If someone concurs or disagrees -...
by House Blend
Wed Feb 22, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Selling mutual funds in non retirement account
Replies: 6
Views: 369

Re: Selling mutual funds in non retirement account

I need to sell some mutual funds in non retirement account (VASGX). It will be long term capital gain. What are some of the considerations : For example - look for dividends when they are due 1)Any other considerations? I understand it will be a taxable event. 2)Also while selling it asks what meth...
by House Blend
Tue Feb 21, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 30
Views: 2296

Re: Betterment, $500k in cash, no taxable events to transfer?

livesoft wrote:
atxeng wrote: How much work does it take to monitor and manage myself through Vanguard?

I think it takes less work than the work you did to type and post the starting post of this thread.

True for you, but blatantly, unhelpfully false for every newcomer.
by House Blend
Tue Feb 21, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment, $500k in cash, no taxable events to transfer?
Replies: 30
Views: 2296

Re: Betterment, $500k in cash, no taxable events to transfer?

How much work does it take to monitor and manage myself through Vanguard? Hard to say. Obviously this forum is overflowing with DIY types (me included), so you aren't going to get an unbiased view here. I'm willing to say that if you have an analytic mind and are willing to dive in and get educated...
by House Blend
Tue Feb 21, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Advice: Traditional vs Roth at top of 15% bracket with unrealized taxable account gains
Replies: 17
Views: 627

Re: Advice: Traditional vs Roth at top of 15% bracket with unrealized taxable account gains

Note: You (probably) have qualified dividends, and those have the same 30% effect as the LT cap gains you are worried about. 1. I think the main consideration is whether you plan to actually spend/realize LT cap gains during your upcoming years in the 28% bracket. (Down payment on a house, for examp...
by House Blend
Tue Feb 21, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: What to do when both 403b and 457b are avaliable
Replies: 11
Views: 545

Re: What to do when both 403b and 457b are avaliable

Keep an eye on maximum contribution amounts . . . $18k combined. No. You can contribute $18K to 403(b) and $18K to 457(b) in the same year. FWIW, I contribute $24K + $24K per year, due to catch-up. (Actually I contribute even more than that, since I also have to make non-elective contributions.) I ...
by House Blend
Mon Feb 20, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Any VWIUX (intermed. tax exempt) holders checked your 1099?
Replies: 3
Views: 438

Re: Any VWIUX (intermed. tax exempt) holders checked your 1099?

There was a previous thread about this, probably in early January. Here is what the IRS says in Pub. 550: Dividends received in January. If a mutual fund (or other regulated investment company) or real estate investment trust (REIT) declares a dividend (including any exempt-interest dividend or capi...
by House Blend
Mon Feb 20, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Consolidated 1099-DIV or individual entries
Replies: 9
Views: 692

Re: Consolidated 1099-DIV or individual entries

news_watch, The seemingly contradictory answers you are seeing here and from Google have to do with the difference between old style mutual fund only accounts at Vanguard, and their brokerage accounts. If you became a Vanguard customer as of last year, then you almost certainly have (only) a brokera...
by House Blend
Mon Feb 20, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA question
Replies: 5
Views: 611

Re: Roth IRA question

I gather that you (don't want to|can't) set up a backdoor Roth situation. Presumably you have existing pre-tax dollars in a trad IRA. I think that *typically*, corrected 1099s tend to have small effects on AGI. Aside from foreign taxes withheld, there is generally no ambiguity about how much was dis...
by House Blend
Sun Feb 19, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2422
Views: 612435

Re: What Movie Have You Recently Watched?

ResearchMed wrote:OTHER RECOMMENDATIONS for movies about/involving/set in Japan would be welcome!

If you want contemporary Japan, these come to mind:

Jiro Dreams of Sushi [a documentary]
Tampopo
A Taxing Woman

And of course, just about everything directed by Kurosawa (but his best work IMO is not contemporary).
by House Blend
Sun Feb 19, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing an amended tax return?
Replies: 18
Views: 1167

Re: Is it worth filing an amended tax return?

Is it really worth filing an amended return for only $18? That's a personal decision. If it were me, I would not bother. However, if for example, your brokerage issues a corrected 1099, or you spot other mistakes, then the decision may get easier. In any case, I would wait until after your return h...
by House Blend
Sun Feb 19, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: If you were going to drop down to 15% bracket for one year...
Replies: 7
Views: 919

Re: If you were going to drop down to 15% bracket for one year...

Does it make sense to sell and re-buy all taxable holdings? This is a one-year anomaly due to sabbatical, though I assume we will be back in that bracket in retirement. It certainly doesn't make sense to realize short term gains. So, no, not all holdings. This may not apply to you, but a common mis...
by House Blend
Fri Feb 17, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: RMD timing question (turning 70.5 and still working)
Replies: 11
Views: 498

Re: RMD timing question (turning 70.5 and still working)

I would ease back on the anxiety and let Dad muddle through and make his own mistakes. Be low-key on the advice. 1. For a 30K+ public university, the plan offerings are *probably* good. But I still wouldn't recommend consolidating there sight unseen. 2. Can't do that. My understanding is that if thi...
by House Blend
Wed Feb 15, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Cost basis reporting
Replies: 15
Views: 514

Re: Cost basis reporting

I see what you are saying with the other categories. I wouldn't be reporting just up to 2012, I would report all the way until sold? For example for this lot: http://i65.tinypic.com/icu7om.png I would have 3 areas to fill out: 1 for ST covered 1 for LT covered 1 for LT non covered All sold on the s...
by House Blend
Wed Feb 15, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Never-Ending Foreign Tax Credit Problem
Replies: 33
Views: 2404

Re: Never-Ending Foreign Tax Credit Problem

resting, I think what people were objecting to is that your OP appeared to limit the apportioning to US and foreign sourced dividends. That's correct only if this is the only income you have. Given that you are filling out the form correctly, and that your ability to claim the credit is limited, the...
by House Blend
Wed Feb 15, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Never-Ending Foreign Tax Credit Problem
Replies: 33
Views: 2404

Re: Never-Ending Foreign Tax Credit Problem

Now it is true that if one has more than $20,000 in foreign qualified dividend income , then it gets trickier. Your post suggests that this is not the case. I just want to call out this part (bolding mine) as I misread it the first time and pulled out my 2016 filing to check. I misread it as holdin...
by House Blend
Wed Feb 15, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 59
Views: 3258

Re: New cars or Pool?

- Fence is a must at least until your kids are expert swimmers. Maybe it depends on local ordinances, but where I grew up (SoCal), you don't have any choice in the matter. Fencing/walls must surround the pool and any gates must auto-close, or you won't get the construction permit, and your insuranc...
by House Blend
Wed Feb 15, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Never-Ending Foreign Tax Credit Problem
Replies: 33
Views: 2404

Re: Never-Ending Foreign Tax Credit Problem

jebmke wrote:The generalized version of this is

livesoft wrote:But it doesn't hurt to read ..... the instructions

IMO it does hurt, in a way somewhat proportional to the number of paragraphs in the instruction booklet that apply to you.

Back on topic, another resource that the OP may find useful is Publication 514.
by House Blend
Wed Feb 15, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Thoughts on relocating market exposure to taxable account for TLH?
Replies: 8
Views: 546

Re: Thoughts on relocating market exposure to taxable account for TLH?

Why is it that you are holding cash in the first place? Looks like market-timing to me. If that's what you want to do, don't let me get in your way. You can disregard the rest of this post except maybe the last point. The usual (non-market timing) reason to hold cash in a taxable account has to do w...
by House Blend
Tue Feb 14, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 869

Re: Converting a new Roth to a Traditional IRA

After scolding KnowNothing for using the wrong terminology, you did the same thing when you called his $525 Roth conversion a "Rollover". :oops: According to the IRS, You can convert your traditional IRA to a Roth IRA by: * Rollover – You receive a distribution from a traditional IRA and ...
by House Blend
Tue Feb 14, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Vang.1099-DIV and Wisconsin tax on munis
Replies: 7
Views: 485

Re: Vang.1099-DIV and Wisconsin tax on munis

Yes, the total (annual) amount from VWIUX is reported in Box 10 of the 1099-DIV. But I don't get it. Why would this total amount be "dividends" rather than "interest"? And, does it make any difference (in terms of tax treatment or other) whether they are listed as "interest...
by House Blend
Mon Feb 13, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: (Hopefully) simple Alternative Minimum Tax question
Replies: 1
Views: 205

Re: (Hopefully) simple Alternative Minimum Tax question

No, I think the Federal tax bill under regular or AMT should be $0. As far as I know, the only muni bond interest that is taxable under the AMT is interest from "Private Activity Bonds". According to this page, there was no such income from VMATX in 2016. https://advisors.vanguard.com/VGAp...
by House Blend
Mon Feb 13, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 869

Re: Converting a new Roth to a Traditional IRA

KnowNothing, It's important to understand that you are using the wrong terminology. This is not a conversion you are talking about. You are asking about possibly recharacterizing your 2016 and 2017 Roth IRA contributions. Yes, you can do that, but in the case of the 2016 contributions, it will be si...
by House Blend
Mon Feb 13, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2951

Re: Is Guam in Ohio? [Tax-exempt bond fund holding]

Probably not for a state-specific muni fund; that's the whole point of having such a fund. Just because Vanguard (or some other company) puts together a state-specific muni fund doesn't apparently require the state to agree that the fund's dividends are state tax exempt. Or should we assume that Va...
by House Blend
Mon Feb 13, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2951

Re: Is Guam in Ohio? [Tax-exempt bond fund holding]

The subtlety here is that while CA cannot tax the interest from any Guam bonds that my Mom may own, she does not actually own any Guam bonds. She owns shares in a mutual fund (aka "registered investment company"), and it is not so clear that this tax-exemption extends when income is distr...
by House Blend
Sun Feb 12, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 2951

Re: Is Guam in Ohio? [Tax-exempt bond fund holding]

I'll take the preceding two posts as evidence that I should be adding the territory percentages for my non-state-specific muni funds to the percentage from my state. I know it will only save me less than a dollar in state taxes, but I still like to be accurate. The correct answer may depend on your...
by House Blend
Sun Feb 12, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401(k) for someone with LOTS in taxable?
Replies: 41
Views: 2437

Re: Roth vs. Traditional 401(k) for someone with LOTS in taxable?

One other factor you should take into account are your retirement goals. For example, if your goal is to retire as soon as humanly feasible, then it's more likely your retirement income will involve filling only the lowest tax brackets, and would favor more tax-deferral now. On the other hand, if yo...
by House Blend
Thu Feb 09, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Should I convert 457b funds to an in-plan Roth rollover?
Replies: 9
Views: 401

Re: Should I convert 457b funds to an in-plan Roth rollover?

Contribute yes, but only if you are eligible. You say you are retired, but if spouse is still working, you can qualify to contribute to a Roth IRA for 2016 based on his/her 2016 wages. And even if you do it, won't change your 2016 tax bill. And if you do, you are limited to $6500 for your IRA and $...
by House Blend
Thu Feb 09, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Should I convert 457b funds to an in-plan Roth rollover?
Replies: 9
Views: 401

Re: Should I convert 457b funds to an in-plan Roth rollover?

OK, sounds like the custodian of your 457(b) also offers Roth IRAs. Another way to skin the cat. I didn't think I'd have to "guess" the amount to convert up to the top of the 15% bracket if I know what my taxable income is after filing my return. For example, this year I know it would be u...
by House Blend
Thu Feb 09, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 253
Views: 31022

Re: TLH for absolute dummies [Tax Loss Harvesting]

does TLH get in the way of rebalancing? When a fund is underperforming we're supposed to buy More of it, Not sell it, aren't we? :? thanks No, TLH does not get in the way of rebalancing or purchasing more of the underperforming fund. Last year I sold $100K of Fund A (FTSE ex US) to buy Fund B (Tota...
by House Blend
Thu Feb 09, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I convert 457b funds to an in-plan Roth rollover?
Replies: 9
Views: 401

Re: Should I convert 457b funds to an in-plan Roth rollover?

Here is my question: Should I convert some 457b money (approx. $15,000 this year) to a Roth up to the top of the 15% tax bracket, paying the taxes from the TD funds?? If so, should I do it every year while I can? I was actually thinking of taking SS at 62 (estimated at $25,000/yr), while my wife an...
by House Blend
Wed Feb 08, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Beat the market long-term? Yes, it can be done.
Replies: 133
Views: 1941

Re: Hard to Believe [Vanguard insights on VG Active funds beating market]

^I had hoped it was clear in my post, but I guess it wasn't. I have zero quarrel with the Sharpe quote. You'll also notice that 50% outperform / 50% underperform appears nowhere in that citation. The word "average" does. Where I have an issue with the Newhall quote is the ambiguity of what...
by House Blend
Wed Feb 08, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA + Cash portfolio help
Replies: 11
Views: 910

Re: Inherited IRA + Cash portfolio help

20 years was the life expectancy for the oldest beneficiary ( there were several ) of the account. So Vanguard had to setup it up that way. Unfortunately I could not take it over my own life expect. That doesn't make sense. As far as I understand, the rule is that you have to take the RMD for decea...
by House Blend
Wed Feb 08, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 150
Views: 20091

Re: Wow, Vanguard Flagship service is bad. Really bad.

It's the luck of the draw as to what these reps are able to answer. The Flagship reps seem like recent college grads who are in training to be assigned to more specific departments. So the quality of rep you get is really luck of the draw. Get one who is about to be promoted and you might get excel...
by House Blend
Wed Feb 08, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help with tax withholdings
Replies: 8
Views: 683

Re: Help with tax withholdings

OP probably gets a big refund on 2016 taxes since withholding algorithm assumes full year at present salary. W-4 with zero or one allowance should be adequate for 2017. Start with zero and increase to one in 2018 if refund still too large... Thanks for your reply. Would you recommend withholding at...
by House Blend
Wed Feb 08, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 253
Views: 31022

Re: TLH for absolute dummies [Tax Loss Harvesting]

Has anyone made a tool (fancy spreadsheet) or an app to help people recognize when it is a good time to TLH with some of the common low fee vanguard funds? Welcome to the forum. What's wrong with using your Vanguard account? Log in, navigate to the cost basis page, and click on the details for your...
by House Blend
Wed Feb 08, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Beat the market long-term? Yes, it can be done.
Replies: 133
Views: 1941

Re: Hard to Believe [Vanguard insights on VG Active funds beating market]

I think your ire is misplaced. He said 50% of the DOLLARS outperform, not 50% of the funds. However, what he said is still open to criticism because in general, the median and the average are two different things. (Compare average sale prices of homes vs. median sale prices. Or average salaries vs....
by House Blend
Tue Feb 07, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bonds in Taxable?
Replies: 7
Views: 1127

Re: Tax Exempt Bonds in Taxable?

It would seem that to get my bond allocation up I would need to either have the majority of the plan with a high expense ratio or less diversification than I would want. If I don't want to take up Roth space with bonds, it occurred to me that the next best option might be to go with tax free bonds ...

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