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My husband and I are joining new company that won't have a 401k plan available until January 2015. Our combined income will be $270k, so a Roth won't work. We can still max the traditionals, but I can't find much else for tax-deferred options to cover us for 6 months and reduce our income...

Anyone have any knowledge on BBN? From my take, the federal government subsidizes 35% of the interest paid. The fund typically holds A-rated and AA-rated long-term bonds issued by state and municipal authorities to fund various infrastructure projects. The gov sub is good but it also seems...

Brief stats: Me: 43 Husband: 43 Tax-deferred accounts: $450,000 (some funds/individual stocks/20% cash) Taxable accounts: $13,000 Vanguard (Retirement 2035, Wellington) $115,000 commodities Cash: $90,000 House: $380,000 value, owe $120,000 @ 3.75% Commercial/Apartment...