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Muni bonds should be owned in your taxable brokerage accounts, without having it in your IRA or 401K accounts because income in those accounts is transfer pricing tax-deferred.

For example, if you get under $100,000 annually, to a max of $25,000 of rental income losses qualify as deductible, you can save thousands of dollars on other income origins through this discount. However, if you earn over $100,000 a year, this deduction begins to phase out, until usually completely gone for taxpayers earning $150,000 and above annually.

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