Search found 22323 matches

by grabiner
Mon Oct 22, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Incur short term losses for more Roth Conversion availability?
Replies: 10
Views: 572

Re: Incur short term losses for more Roth Conversion availability?

I usually don't take short term capital losses but I have an available short term loss from emerging markets losses of about $20k that I could take this year which would allow me to increase my Roth conversion by $20K for this year and stay at the 22% rate. And this would also be neutral for IRMAA,...
by grabiner
Mon Oct 22, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 24
Views: 1765

Re: Credit card claim for rental car collision?

Hit a deer in Utah. Total damage was 2.5K. CC coverage was secondary after personal policy that covered 2k - 500 was a deductible. could never figure out why deductible was being applied if this is effectively a 3rd party liability. You filed a first-party collision/comprehensive claim (I don't kno...
by grabiner
Mon Oct 22, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: "Investing versus debt pay-off?"
Replies: 31
Views: 1594

Re: "Investing versus debt pay-off?"

You also need to consider the tax situation. In your example above, paying down a 3.75% mortgage would still be better than buying a 4% CD if you take the standard deduction (which many homeowners do under the new tax law) and the CD is a taxable investment. David, Please explain. If the 3.75% is d...
by grabiner
Mon Oct 22, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?
Replies: 8
Views: 1031

Re: Bear Market: Invest in Taxable, Bull Market: Pay Down Mortgage?

Whatever you choose after that is up to you, but keep in mind paying down mortgage is like adding bonds. So you are basically saying in bear add to stocks and bull add to fixed income. IF you are going to dynamic asset allocation model that is reasonable. So, if a mortgage pay down is like adding a...
by grabiner
Mon Oct 22, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Is there a case for Active in fixed income?
Replies: 16
Views: 1407

Re: Is there a case for Active in fixed income?

As an example of active/index compare Vanguard Short-Term Treasury Fund Admiral Shares VFIRX with Vanguard Short-Term Treasury Idx Admiral VSBSX from 1/1/2010 to date. Index $10,681.13 vs active $10,918.16 growth of $10k. (I'm not making a judgement of which is better.) Similarly for the intermedia...
by grabiner
Mon Oct 22, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 45
Views: 3962

Re: Debunking Bonds in Taxable

Tx.. good points So let's say you want to rebalance between taxable and not taxable so the percentage of bonds is constant across them. Perhaps you can weight differently (multiply taxable by 1/0.85, tax-sheltered by 1/0.70 -assuming your marginal tax 30% -, to consider the actual money you would h...
by grabiner
Mon Oct 22, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: "Investing versus debt pay-off?"
Replies: 31
Views: 1594

Re: "Investing versus debt pay-off?"

Those with low rate mortgages might want to consider not only current interest rates, but what rates will be in the not-too-distant future. For example, a 3.75% mortgage would seem to be a good no-risk return for extra payments now. However, what if CD rates go to 4%? This is not unlikely, and the ...
by grabiner
Mon Oct 22, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: How to tax loss harvest ETF lots with fractional shares?
Replies: 3
Views: 340

Re: How to tax loss harvest ETF lots with fractional shares?

Fractional shares will be liquidated when you sell the whole fund, but not when you sell an individual lot. I have this issue with VEA (Developed Markets ETF), because I converted from the mutual fund class. When I last sold, I was able to sell all of the lots with losses, which was some large numbe...
by grabiner
Mon Oct 22, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Incur short term losses for more Roth Conversion availability?
Replies: 10
Views: 572

Re: Incur short term losses for more Roth Conversion availability?

I usually don't take short term capital losses but I have an available short term loss from emerging markets losses of about $20k that I could take this year which would allow me to increase my Roth conversion by $20K for this year and stay at the 22% rate. You should take the short-term losses whe...
by grabiner
Mon Oct 22, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - noncovered shares?
Replies: 1
Views: 197

Re: Tax Loss Harvesting - noncovered shares?

Since Vanguard doesn't have the records, you have to have them yourself. You should have the statement which shows the purchase of the shares; this is what you would need to show to the IRS in case of an audit. When you sell online, send Vanguard a secure Email identifying which lots you sold; Speci...
by grabiner
Sun Oct 21, 2018 5:18 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 33
Views: 3792

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

What's the difference between short term and long term losses for TLH? If you have both short-term and long-term gains, short-term losses offset short-term gains, and long-term losses offset long-term gains. If you still have both losses and gains, losses will offset gains of the other time. Thus s...
by grabiner
Sun Oct 21, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 33
Views: 3792

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Another question: there's no implications of how long you've owned the shares right? There is. Shares held less than a year have short-term losses. There are some complexities with muni funds, but I'm not that familiar with the details. The rule with muni bonds or funds is that, if you have held a ...
by grabiner
Sun Oct 21, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Transition old gifted stock shares to diversified portfolio while decreasing tax hit
Replies: 6
Views: 432

Re: Transition old gifted stock shares to diversified portfolio while decreasing tax hit

You might want to rethink the plan to pay off the 3.5% mortgage. You can earn that rate on CDs today, and rates seem to going higher. Putting money into a 4% CD is better financially than paying off a 3.5% loan. Only if the mortgage interest is tax deductible, which it probably isn't. The OP is mar...
by grabiner
Sun Oct 21, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help requested w/ Munis and International
Replies: 6
Views: 312

Re: TLH help requested w/ Munis and International

How large is your loss in VIGI? Vanguard says that this trades at a 0.20% spread, so the trading costs for selling it and buying it back, plus the spread on whatever you replace it with, could be significant. Great point and I hadn't thought of that. My losses represent 5.6% of the original investm...
by grabiner
Sun Oct 21, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Question on reallocating stocks to bonds
Replies: 5
Views: 563

Re: Question on reallocating stocks to bonds

Changing your asset allocation should only be done as part of a plan, or when your financial situation changes. For example, I have the following in my Investment Policy Statement: "This statement will be reviewed whenever there is a substantial change in my financial situation, and annually when I ...
by grabiner
Sun Oct 21, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds or ETFs in taxable accounts?
Replies: 12
Views: 1074

Re: Mutual funds or ETFs in taxable accounts?

I prefer ETFs in a taxable account- because you can transfer ETFs easily between brokerage accounts. This allows you to get transfer bonuses. Also, if your current brokerage company is not doing a good job as far as customer service goes - you can easily transfer the ETFs and leave that brokerage f...
by grabiner
Sun Oct 21, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: TLH help requested w/ Munis and International
Replies: 6
Views: 312

Re: TLH help requested w/ Munis and International

How large is your loss in VIGI? Vanguard says that this trades at a 0.20% spread, so the trading costs for selling it and buying it back, plus the spread on whatever you replace it with, could be significant.
by grabiner
Sun Oct 21, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Put more than 20% down on a house?
Replies: 33
Views: 3396

Re: Put more than 20% down on a house?

The way to look at this is to consider the return on your extra down payment, which is a fixed rate of 4.5%. Is that a good return? See Paying down loans versus investing Given the size of the mortgage, any interest savings will be a lost tax deduction; the property tax and interest alone are well o...
by grabiner
Sun Oct 21, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 44
Views: 2259

Re: How do you trade ETFs exactly like mutual funds?

For lower-volume ETFs, such as VSS (Vanguard FTSE All-World Ex-US Small-Cap), you don't want to place a order that could take a potentially large spread. Your own market-on-close order, or an order placed when the market was closed to be traded at the open, could move the opening or closing price. ...
by grabiner
Sun Oct 21, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Help with Health Insurance for 2019 [PPO vs. HSA]
Replies: 14
Views: 1158

Re: Help with Health Insurance for 2019 [PPO vs. HSA]

All, I just received my Open Enrollment Health Insurance options for 2019 and need help deciding which to choose. See facts below: HSA (In-Network) Annual Premium: $1,185 Deductible: $2,700 Coinsurance: Employee pays 25% after deductible met OOP Max: $6,650 Employer Contribution: $750 (paid in conj...
by grabiner
Sun Oct 21, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Amount in .gov portal incorporates future inflation when retirement 27 years away?
Replies: 3
Views: 322

Re: Social Security Amount in .gov portal incorporates future inflation when retirement 27 years away?

The benefit reported is in current dollars, but it will be adjusted for future inflation, which is what matters for your planning. If you could retire on $4000 per month and your SS will be $2000 per month, but prices double before you retire, your SS will be $4000 per month but will still cover hal...
by grabiner
Sun Oct 21, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5264

Re: 8 reasons why pensions are [good]

6. Income from pension results in less cash flows needs to fund the “gap years” between retirement and taking Social Security. Allows one the ability to wait longer to take Social Security, thus locking in higher SS payments This would be better done with ordinary bonds, rather than a pension. If y...
by grabiner
Sun Oct 21, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: 'Qualified Opportunity Zones' - are they worthwhile?
Replies: 6
Views: 1009

Re: 'Qualified Opportunity Zones' - are they worthwhile?

This seems like a reasonable vehicle for deferring and reducing taxes, and I've been disappointed not to find many low-cost options to invest passively. Within the identified census tracts ("opportunity zones"), there are a wide range of real estate and businesses that would qualify. I'm aware of F...
by grabiner
Sun Oct 21, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 44
Views: 2259

Re: How do you trade ETFs exactly like mutual funds?

I'm surprised to see so many people trading at or near market close/open, especially when so many online resources recommend against it due to price fluctuations (including Vanguard). I thought MOC orders were heavily discouraged for ETFs: https://www.forbes.com/sites/riabiz/2011/03/01/the-basic-et...
by grabiner
Sun Oct 21, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 33
Views: 3792

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

2) You're lowering your cost basis, which means you'll pay more on taxes later on right? This is still a net gain since you're saving on income tax while paying long-term capital gains tax. Am I correct? This is one reason for a net gain. A second reason is that you might never pay the capital-gain...
by grabiner
Sun Oct 21, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance 401(k) and Roth
Replies: 10
Views: 683

Re: Rebalance 401(k) and Roth

It makes more sense to use target-date funds either as your whole portfolio or not at all. The advantage of the target-date funds is that they automatically adjust your allocation for market movements and changing time horizons. If you have a target-date fund and other funds as well, you lose this a...
by grabiner
Sun Oct 21, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Transition old gifted stock shares to diversified portfolio while decreasing tax hit
Replies: 6
Views: 432

Re: Transition old gifted stock shares to diversified portfolio while decreasing tax hit

200 shares of MCD are worth $33,498 at the current market close, so it looks like your capital gain is about $30,000. The only way to reduce your capital gains tax by tax loss harvesting is to have shares with a loss. If you don't have anything with a loss, it's better to take the gain now, as you a...
by grabiner
Sun Oct 21, 2018 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market Fund Question
Replies: 6
Views: 865

Re: Vanguard Money Market Fund Question

I guess I should clarify, my difficulty is coming from finding what portions of the funds are federal tax free vs state tax free From Vanguard's web site: Fund-specific tax information State-specific tax information The fund-specific tax information has a link to the percentage of US Government inc...
by grabiner
Sun Oct 21, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Best Investments for an HSA account using TD Ameritrade
Replies: 6
Views: 744

Re: Best Investments for an HSA account using TD Ameritrade

HSA investing is no different than any other, the same funds (total market, total intl market, total bond index funds or ETFs in this case). See the tda wiki. SPTM, SPDW, SPAB are the symbols for the state street free ETFs. You might consider adding the em etf as the intl is developed markets. http...
by grabiner
Sat Oct 20, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation/investment (40ish Fed employee)
Replies: 4
Views: 440

Re: Asset allocation/investment (40ish Fed employee)

Welcome to the forum! You claim that you don't want to be ultra-agressive, but you have 100% of your TSP in stock, which is a very risky allocation for someone 10 years from retirement. You have a secure job, and will have a pension, which allow you to take more risk than most investors, but I would...
by grabiner
Sat Oct 20, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Best Investments for an HSA account using TD Ameritrade
Replies: 6
Views: 744

Re: Best Investments for an HSA account using TD Ameritrade

HSA investing is no different than any other, the same funds (total market, total intl market, total bond index funds or ETFs in this case). See the tda wiki. SPTM, SPDW, SPAB are the symbols for the state street free ETFs. You might consider adding the em etf as the intl is developed markets. http...
by grabiner
Sat Oct 20, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 56
Views: 6099

Re: My Edward Jones IRA is out performing my Vanguard 401K

What funds are you invested in? Here are the funds: BARON SMALL CAP CL I BSFIX CHAMPLAIN MID CAP CL I CIPIX COLUMBIA SELECT LARGE CAP GROWTH CL I3 CCWRX EDGEWOOD GROWTH CL I EGFIX FRANKLIN DYNATECH CL R6 FDTRX HARTFORD STRATEGIC INCOME CL F HSNFX JOHN HANCOCK INTERNATIONAL GROWTH CL R6 JIGTX JPMORG...
by grabiner
Fri Oct 19, 2018 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Timing mortgage pay down
Replies: 47
Views: 3449

Re: Timing mortgage pay down

Timing actually works slightly in the other direction; it is more attractive to pay down a shorter-term mortgage. If you make an extra payment on a 3% mortgage, your return is 3%, regardless of the remaining time on the mortgage; your balance will be $10,300 less next year, and $10,609 less in two y...
by grabiner
Fri Oct 19, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual funds or ETFs in taxable accounts?
Replies: 12
Views: 1074

Re: Mutual funds or ETFs in taxable accounts?

In your taxable accounts, do you prefer to hold mutual funds or the equivalent ETFs? Why the preference? (and if you are interested in something like tax loss harvesting?) If you don't invest with Vanguard, use ETFs. The ETF creation-redemption process allows ETFs to avoid most capital gain distrib...
by grabiner
Fri Oct 19, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Question Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!)
Replies: 34
Views: 2830

Re: Question Regarding Five Year Rule for Roth IRA Withdrawals (Alan S. Please Help!)

.................................. https://www.kitces.com/blog/understanding-the-two-5-year-rules-for-roth-ira-contributions-and-conversions/ ........................................... I'll have to admit that I didn't read this link very carefully................ but did he say you have to leave R...
by grabiner
Fri Oct 19, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: How much of a dip do you want before you TLH?
Replies: 27
Views: 2016

Re: How much of a dip do you want before you TLH?

A lot of Bogleheads want Roths because you are paying the tax now rather than in the future. However, isn't TLH doing the opposite of this? Obviously, these are capital gains/losses and not ordinary income. I am not saying TLH cannot be beneficial, but doesn't it somewhat depend on your current tax...
by grabiner
Thu Oct 18, 2018 10:35 pm
Forum: Investing - Theory, News & General
Topic: How much of a dip do you want before you TLH?
Replies: 27
Views: 2016

Re: How much of a dip do you want before you TLH?

I usually wait for about a 10% loss before harvesting. Part of my reason is that I have diminishing returns; I have huge carry-over losses, so it will be years before I get any additional benefit (and I might lose the benefit entirely if I sell the replacement shares for a capital gain). Another rea...
by grabiner
Thu Oct 18, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Dividend withholding makes actual ER of Total International 0.32%?
Replies: 7
Views: 1045

Re: Dividend withholding makes actual ER of Total International 0.32%?

I've frequently made that argument. One of the retorts, is if you hold international in a taxable account, you can claim a credit for much of the foreign withholding on your income taxes. However, with international having a higher yield and fewer qualified dividends, the tax cost is about the same...
by grabiner
Thu Oct 18, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Weird cost basis after converting VTIAX to VXUS
Replies: 4
Views: 552

Re: Weird cost basis after converting VTIAX to VXUS

Vanguard has adjusted the prices of each lot of the VXUS shares to correspond to the same dollar amount of each tax lot that you paid for the VTIAX shares. That is the right thing to do, but it doesn't seem to be what Vanguard did. The purchase price should have been multiplied by the same value fo...
by grabiner
Thu Oct 18, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 82
Views: 6592

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

[...]And despite his arguments, I do keep my own mortgage, for the same reason he did. I max out my retirement accounts, but my mortgage is fully deductible and at a very low rate (2.625%, 1.79% after state and federal tax), so I can earn more by investing an equal amount in bonds, without taking e...
by grabiner
Wed Oct 17, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax simulator for 2019
Replies: 5
Views: 970

Re: Tax simulator for 2019

I usually do the simulation with turbo tax by entering the data. Not sure if there is a better way. I tried it, but it only gave me estimates of my federal taxes. It didn't let me specify a different state... Working in NY and residing in NJ is a specific scenario that I couldn't input into that si...
by grabiner
Wed Oct 17, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 82
Views: 6592

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

All three of Allan Roth's arguments are correct, as is discussed on the wiki: https://www.bogleheads.org/wiki/Paying_down_loans_versus_investing The fair comparison is not between a balanced portfolio and the mortgage rate, but between bond rates and mortgage rates. While you can have a higher expec...
by grabiner
Wed Oct 17, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 145
Views: 12375

Re: Help me understand dividends

No... It's still the same exact amount as not having the dividend at all. How do people still not get that number of shares literally doesn't mean anything? It's the total dollar amount that matters. So, then, is the much-touted "miracle of compounding" nothing more than propaganda? Without dividen...
by grabiner
Wed Oct 17, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Does Lifestrategy make sense in Roth IRA's
Replies: 26
Views: 3128

Re: Does Lifestrategy make sense in Roth IRA

An advocate for not using Target Date or other all-in-one funds once withdrawals begin: "Even though I love target-date funds for accumulators,” says Christine Benz, director of personal finance at Morningstar, “most all-in-one funds are suboptimal when it comes to retirement withdrawals because th...
by grabiner
Tue Oct 16, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: What would you do with unexpected tax refund?
Replies: 25
Views: 1293

Re: What would you do with unexpected tax return?

First, check your tax returns; it's possible that your accountant made an error or you forgot to enter some source of income. You don't want to do anything with the $26K and then get a letter from the IRS next year that you owe it back. Next, check the terms of your mortgage, to ensure that you can ...
by grabiner
Tue Oct 16, 2018 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Does Lifestrategy make sense in Roth IRA's
Replies: 26
Views: 3128

Re: Does Lifestrategy make sense in Roth IRA's

Since Lifestrategy funds are rebalanced daily? does Christine Benz idea still hold water? It would seem perhaps not. She said: "Even though I love target-date funds for accumulators,” says Christine Benz, director of personal finance at Morningstar, “most all-in-one funds are suboptimal when it com...
by grabiner
Mon Oct 15, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security [impact of earnings on benefits]
Replies: 29
Views: 2767

Re: social security

Im retired and going to take my social security early at 62 . If I decide to go back to work part time and earn over 17000 a year I will have to pay back 50% of my earnings over 17000. Note that this isn't a loss. If you lose a year of benefits because of the earnings limit, then your benefits will...
by grabiner
Mon Oct 15, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Convert TIRA to Roth, nondeductible
Replies: 19
Views: 1132

Re: Convert TIRA to Roth, nondeductible

....tax bracket 33%.... ...Or should I wait several years until my income is less, after partial retirement?... ...Prefer paying taxes up front... Do you really prefer paying 33% in taxes now if you might be able to pay a lesser rate later? (There is no 33% tax bracket now; it has become 32%.) It's...
by grabiner
Mon Oct 15, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Treasuries in higher tax state
Replies: 12
Views: 1140

Re: Treasuries in higher tax state

How does the return on treasuries compare to something like a total US bond market fund? Would i get a significantly higher return on the bond fund at a higher risk? My understanding is that bond fund prices drop as interest rates go up, so it sounds like there is a high chance of negative return i...
by grabiner
Sun Oct 14, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Treasuries in higher tax state
Replies: 12
Views: 1140

Re: Treasuries in higher tax state

If you buy Treasury bonds in a brokerage account, you will pay spreads, just as on any other trade in a brokerage account. However, spreads on Treasuries are very low. Alternatively, you can buy new-issue Treasury bonds from Treasury Direct. Another way to invest in Treasury bonds is through a Treas...