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Re: Don't come to Europe with a new chip and sign credit car

Interesting. We were in Paris this week and the unmanned RATP (Metro) kiosks would not accept our Cap One mag strip Yes, the RATP kiosks have never accepted mag stripe cards. They require chip cards, and have for probably about 3 decades. or our Navy Federal "true" Chip & PIN card. Th...
by madbrain
Sun Apr 19, 2015 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 47
Views: 5149

Re: Has Anyone had a Credit Card Cancelled for not Using It

I just got a letter from Chase that says : "We are writing to let you know that your credit card account shown above is going to expire within the next two months. Since your credit card account has not been used within the past two years, we will close it when it expires." The letter also...
by madbrain
Sun Apr 19, 2015 5:43 am
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3517

Re: What Movie Have You Recently Watched?

I watched Nymphomaniac volume I and II over the last week on Blu-ray at home . I don't know if I can talk about these movies much in this forum, as they are full of sex scenes, which are interrupted by philosophical discussions and beautiful music from Bach, Beethoven and others . Some parts are ha...
by madbrain
Fri Apr 17, 2015 7:54 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 731
Views: 97470

Re: Would you buy 1.5 M house without AC?

I have heard of people in NorCal adding central AC to their old homes for about $20-25K. Increases your home cost from 1.5M to 1.52M, that's small change! +1 If the home already has central heat, it shouldn't be too costly to add it. FYI, we bought a very large home (4700sq ft) in California, in a ...
by madbrain
Thu Apr 16, 2015 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 58
Views: 4224

Re: Help me choose: HDHP/HSA or Regular Health Care Plan

Some more information: Retail Px Co-Payments: $-0-/for prescription of Claritin available over-the-counter or Prilosec OTC, 35% of the purchase price ($-0- minimum or $60 maximum) for all generic and brand-name prescription drugs Mail-Order Px Drug Co-Payments $-0-/for prescription of Claritin avai...
by madbrain
Wed Apr 15, 2015 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1087

Re: Don't come to Europe with a new chip and sign credit car

The Barclays Arrival Plus is a PIN chip card available in the USA, and it has good rewards. 2.2% cash back on all points redeemed for travel. Also, there are no foreign transaction fees. However, this card has a $89 annual fee. Waved for the first year!! LOL I sound like a salesman. No sale for me ...
by madbrain
Wed Apr 15, 2015 7:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 47
Views: 5149

Re: Help me choose: HDHP/HSA or Regular Health Care Plan

The real question is how much do you make? If you can comfortably cash flow the OOP max, should you need to, and never touch the HSA, then I think the HSA is a no brainer. It is the only triple tax break that is offered: goes in tax deferred, grows tax free, withdrawn tax free(if used for health ca...
by madbrain
Wed Apr 15, 2015 6:44 am
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1087

Re: Help me choose: HDHP/HSA or Regular Health Care Plan

stlutz wrote:How is heath coverage for $0 a bad plan?


Prescription drugs are only covered at 35% or 20%, after deductible . I have never seen any real insurance plan where it is that low.
by madbrain
Wed Apr 15, 2015 1:23 am
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1087

Re: Help me choose: HDHP/HSA or Regular Health Care Plan

I would appreciate feedback on what health care plan we should sign up for. The enrollment deadline is in a couple days, and after some digging I think we are leaning towards doing the HDHP/HSA. Both look like they are fairly bad plans. Is this a small employer ? Is the network the same for both pl...
by madbrain
Wed Apr 15, 2015 12:24 am
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1087

Re: Don't come to Europe with a new chip and sign credit car

a_username wrote:The Barclays Arrival Plus is a PIN chip card available in the USA, and it has good rewards. 2.2% cash back on all points redeemed for travel. Also, there are no foreign transaction fees.


However, this card has a $89 annual fee.
by madbrain
Tue Apr 14, 2015 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 47
Views: 5149

Re: Don't come to Europe with a new chip and sign credit car

I had no issues last year in Paris - surprisingly - with Fidelity/FIA chip & signature VISA and Amex . They even worked at unattended train ticket machines. I was never asked for an ID when signing. On the other hand, I had problems in Thailand - these same cards could not be processed at all us...
by madbrain
Tue Apr 14, 2015 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 47
Views: 5149

Re: Saving for next car...stash cash in VTSMX?

My reasoning is that if the market does collapse at the moment I want to buy, I can always take out a loan that I pay off once the market bounces back. You are assuming a few things : a) the market will always recover after a collapse. This may or may not be true (see : Japan) b) it will do so with...
by madbrain
Mon Apr 13, 2015 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Saving for next car...stash cash in VTSMX?
Replies: 14
Views: 1595

Re: What Movie Have You Recently Watched?

I watched Woman in Gold in the theater last night - very good movie, IMO. I watched Nymphomaniac volume I and II over the last week on Blu-ray at home . I don't know if I can talk about these movies much in this forum, as they are full of sex scenes, which are interrupted by philosophical discussion...
by madbrain
Mon Apr 13, 2015 12:23 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 731
Views: 97470

Re: Has Anyone had a Credit Card Cancelled for not Using It

One of my very oldest cards, a Sears card, was cancelled when I failed to use it during a 24 month period. I was very surprised they closed it on me without any notice, and I called and spoke to them about it. Basically, they said "That's our policy, move along". What stinks is that it ki...
by madbrain
Sun Apr 12, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3517

Re: Jane Bryant Quinn: Prepay your mortgage

You can get a HELOC at a variable rate (prime +- 1 or 2 points) that gives you a right to borrow up to, say, 50% of your equity for ten years or so. At the 10-year point, the balance balloons into a regular 30-year loan and you cannot take further incremental loans. In my case, the lender reduced (...
by madbrain
Sun Apr 12, 2015 5:25 am
 
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3662

Re: Jane Bryant Quinn: Prepay your mortgage

Most would argue that you will pay that much on taxable investments. However, that need not be true. You don't have to sell your appreciated assets. Not now, not later, not ever: for one. For two, even if you sold it, even at the highest bracket, you pay 20% cap gains tax. You are forgetting state ...
by madbrain
Sat Apr 11, 2015 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3662

Re: Jane Bryant Quinn: Prepay your mortgage

I think that probably overstates the value of the mortgage interest deduction. Yes, you can deduct it, but you already get a deduction anyway when you take the standard deduction, so the actual value of the mortgage interest deduction is the marginal difference between what you could deduct if you ...
by madbrain
Sat Apr 11, 2015 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn: Prepay your mortgage
Replies: 31
Views: 3662

Re: best color laser multifunction machine

I would suggest a unit by Brother. I had an MFC-9480CDW since late 2007 . It was still working fine, but I recently upgraded to the newer MFC-L8850CDW just a few weeks ago. This unit was only $500 with taxes & shipping from Amazon. It is heavy and large, though. It comes with Paperport, which is...
by madbrain
Sat Apr 11, 2015 9:45 pm
 
Forum: Personal Consumer Issues
Topic: best color laser multifunction machine
Replies: 2
Views: 448

Re: The Mega Backdoor Roth IRA

Can anyone share their experience with Fidelity? I'm on the 401k committee and have hit a few roadblocks en route to turning this on. 1) The after-tax was apparently set up to also match contributions on after-tax as well. Supposedly this adds a 24 month waiting period before money can be withdrawn...
by madbrain
Fri Apr 10, 2015 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 250
Views: 53387

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

If you want to make money at startups, contract at them. 9 times out of 10 you'll be the only person making any money on the deal. The 10th time when they go IPO? Oh well, I wish I went all in buying AAPL in 1998 too, but didn't. I still sleep well at night with a 3 fund portfolio regardless, if yo...
by madbrain
Thu Apr 09, 2015 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: The $1 Million Goal: Source of Motivation or Discouragem

I agree that raising income is crucial. I also think that there are many reasons why households might not have a high income and it's easy to see why the median income is only about $50,000. A huge part of the US population are immigrants. If English is not their first language, or if they came to ...
by madbrain
Thu Apr 09, 2015 5:57 am
 
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 15674

Re: The $1 Million Goal: Source of Motivation or Discouragem

Expecting life expectancy to stay the same 30 years from now is a pretty big fallacy. The UN does not seem to think so. If you look at the red line on this graph for more developed countries, it isn't predicted to go up much. http://en.wikipedia.org/wiki/Life_expectancy#/media/File:Life_Expectancy_...
by madbrain
Thu Apr 09, 2015 5:39 am
 
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 15674

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

can one upload images to this forum, i took a screengrab or the lack of choices for a 'capital loss' , seems to have everything else but not that also for income there is captial gain , but does not allow negative numbers i plan of on calling them, but suspect they won't know what a capital loss is...
by madbrain
Thu Apr 09, 2015 2:08 am
 
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 25
Views: 3057

Re: Cheapest way to get Credit Card cash advance.

mr_scaramanga wrote:Makes me wonder why payday loans are even used.


They are mostly used by people who can't get unsecured cards, and perhaps can't even get bank accounts.
by madbrain
Wed Apr 08, 2015 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to get Credit Card cash advance.
Replies: 24
Views: 1803

Re: The $1 Million Goal: Source of Motivation or Discouragem

4% = 30 years 3.5% = 40 years 3% = 50 years 2.5% = 60 years So in my spreadsheet a 30 year old would have a 2.5% drawdown, which is 40x, so that seems right. The reason I like doing it like this is because it ties my spending and age to what I need for retirement. Thus the amount I need for retirem...
by madbrain
Wed Apr 08, 2015 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 15674

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

It was framed 100% politically correctly aka "voluntary separation package" , "optional retirement package" etc. I forget the exact language but it was all proper OK . Offering an optional separation package only to those 50yr+ is not the same thing as systematically pushing out...
by madbrain
Wed Apr 08, 2015 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: The $1 Million Goal: Source of Motivation or Discouragem

It depends on the age of the early retirement. If a person is retiring at the age of 30, is 40X too conservative?? Yes, I would say so. But of course it depends how well one can estimate/figure out future expenses over time. Expenses are not likely to be constant over a long period of time, some wi...
by madbrain
Wed Apr 08, 2015 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 15674

Re: The $1 Million Goal: Source of Motivation or Discouragem

Folks, Everyone has their number to reach financial independent. A) It is 25 times your annual expense if you retire normal age. B) It is 33 times to 40 times your annual expense if you retire early. Agree on A, but not on B . 33 times expenses means a withdrawal rate of 3.33%. 40 times expenses me...
by madbrain
Wed Apr 08, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 15674

Re: Tree roots growing into sewer lines

So far I only notice my problem when using the washing machine. The clothes come out unusually damp. When the washing machine flushes (large amt. of water rapidly flushing), water bubbles up in the toilet. You should feel lucky. For us the way we noticed is that there was about 6 inches of semi liq...
by madbrain
Wed Apr 08, 2015 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 1807

Re: Tree roots growing into sewer lines

I'd look into having that tree removed for $500 or so and then call RotoRooter to chop up whatever roots got in there. Once the aboveground part of that tree is removed, the roots die. They don't have to be dug out... This wouldn't have been possible for us as the tree in question was on city prope...
by madbrain
Wed Apr 08, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 1807

Re: Tree roots growing into sewer lines

2. Lay new plastic pipe from street to house. Advantage: Ultimately the solution. Disadvantage: Very expensive and disruptive and may also involve changing interior plumbing, destroying yard/driveway, who knows? Cost: Thousands- probably $2500-10000 (need to get estimate from excavation firms) I ha...
by madbrain
Wed Apr 08, 2015 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 41
Views: 1807

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

In fact, I still remember that when the first round of those letters went out one person asked the CEO at an all-hands meeting regarding the age targeting and his answer was the average age of megacorp was breaching 40 so he got the board to approve a quota for hiring fresh graduates and get rid of...
by madbrain
Wed Apr 08, 2015 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Please PM me the name of the companies. I'd like to seek employment - seriously. I agree probably not at every company. But 75% of the companies I've worked in my career have. Must be my bad luck There are hundreds and maybe thousands of tech companies in the valley, of all sizes. You can only work...
by madbrain
Wed Apr 08, 2015 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Thank you for confirming. Yes, I missed the boat on several counts - didn't hit the IPO jackpot Very few people ever hit the IPO jackpot, statistically. This is why I have chosen not to work for startup, same reason I don't buy lottery tickets. I just don't need the stress that come with working fo...
by madbrain
Wed Apr 08, 2015 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

I'm skeptical we'll see anything like the 2008 real estate collapse in awhile since it came about from the right mix of foolish government and financial industry policies. I jumped in also at the bottom and have benefited enormously from the collapse. I also doubt I'll ever be able to afford to upg...
by madbrain
Wed Apr 08, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Thank you for the wonderful post. I read every line of it too. Seems we're converging to the same ballpark. Lucky for you France is a great country to retire to ! Nice, St. Tropez, Antibes are wonderful towns. I wouldn't feel particularly good about freeloading on the healthcare over there, having ...
by madbrain
Wed Apr 08, 2015 7:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

^^ Good post. Read every line of it. Would be helpful to have a shorter summary. The categories are bit confusing, but I got the main idea. Thanks. Everyone has their own way of counting things. The biggest hurdle to retiring in 50s, that I can see, are: - uncertain health care costs, - staying awa...
by madbrain
Wed Apr 08, 2015 1:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

OK, this is a very long post. I don't know if anyone will read it all. FYI, there are our actual numbers for last year, not projections. All data extracted from Quicken and put into a spreadsheet. Very large house (mansion in SJ east hills), 2 recent cars (one owned, one lease). We had 1/2 vacation ...
by madbrain
Wed Apr 08, 2015 12:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

BINGO ! Yes, this is my one regret. I should have jumped during 2008-2012 and bought a house. But I didn't. What did I do ? I simply "stayed the course". :oops: Yes. I was waiting for years for a drop in house prices because I wanted a larger house. I jumped in 2010 with both feet. I thin...
by madbrain
Tue Apr 07, 2015 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

[ It is true that you did the HVAC up-front, and it will last for many years, likely 15. But what about the roof, the siding, occasional emergencies, carpet change, paint, appliances, some "improvements" that are really maintenance. So either we can count the ACTUAL maintenance without an...
by madbrain
Tue Apr 07, 2015 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

- probably your maintenance is based off $800K. No, my maintenance is based on actual costs, all I can say is that so far it's been closer to $3k a year than $13k for the last 5 years. But we did redo the HVAC upfront for $25k before we moved in for energy efficiency (it wasn't broken, but there wa...
by madbrain
Tue Apr 07, 2015 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

[ So, even if you had the $1.5M, you would need $13.5K a year to maintain the house. Yes, however if you saved $700k on the purchase price, that amounts to 51 years worth of maintenance, so it's not so likely that you will end paying vastly more than $1.5M overall to live in the house. 51 years is ...
by madbrain
Tue Apr 07, 2015 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Unfortunately, analyses like these have gross errors: - to afford a $1.5M house, and calculated like that, you would need A LOT MORE money. This is true if you actually paid $1.5M for it . Unless you have the $1.5M upfront, you will end up mortgaging, and the total dollars paid (NOT Net Present Val...
by madbrain
Tue Apr 07, 2015 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Here are my calculations (disclaimer: I didn't include any time value of money nor return from investment calculations to keep it simple - probably they'll just cancel each other) To make it in the Bay Area : (disclaimer: none of this is necessary but I DO believe that I have lots of colleagues and...
by madbrain
Tue Apr 07, 2015 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Nailed it! $223,199/yr: magic# for making it in SF Bay A

Plus income tax in PA is 3.07%. In California it's graduated with top rates at 13%. That's huge. Yes, but let's not forget that the CA income tax is very progressive, much more so than federal income tax rates. The 13.3% income tax rate will only apply on income above $1 million. A couple making $6...
by madbrain
Tue Apr 07, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nailed it! $223,199/yr: magic# for making it in SF Bay Area
Replies: 117
Views: 10911

Re: Mystery of increasing wages, but decreasing federal with

Does everyone in CA report to their employer how much their mortgage interest is and what charities they contribute to? No, but there is a form DE-4 which is the state equivalent of a federal W-4, so one could adjust California state withholding. Maybe the op's wife submitted an updated DE-4, but n...
by madbrain
Tue Apr 07, 2015 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mystery of increasing wages, but decreasing federal withhold
Replies: 12
Views: 1342

Re: life expectancy and taxable versus tax deferred account

I believe this is the case, according to IRS Publication 590-B . Taking withdrawals for medical expenses does not appear to be an authorized reason for breaking an SEPP unless you are disabled. You may have to payan early distribution recapture tax if, before you reach age 59-1/2, the distribution ...
by madbrain
Mon Apr 06, 2015 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: life expectancy and taxable versus tax deferred accounts
Replies: 17
Views: 1376

Re: life expectancy and taxable versus tax deferred account

Another problem is the cost of healthcare - generally, people with reduced life expectancy have health issues which can be costly. Withdrawing from tax-deferred investments can end up being much more costly than withdrawing from a taxable account, because it increases AGI and could phase you out of...
by madbrain
Mon Apr 06, 2015 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: life expectancy and taxable versus tax deferred accounts
Replies: 17
Views: 1376

Re: life expectancy and taxable versus tax deferred account

As someone who has a reduced life expectancy, I pay attention to this. I do plan to take SEPP in early retirement. However, one problem with SEPP is that the amount of annual SEPP withdrawals is limited by the general life expectancy table. In the worst case, if you don't reach age 59.5, it means th...
by madbrain
Mon Apr 06, 2015 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: life expectancy and taxable versus tax deferred accounts
Replies: 17
Views: 1376

Re: Mystery of increasing wages, but decreasing federal with

Your itemized deductions are probably going lower. Maybe you have lower mortgage interest and your state taxes have dropped and you stopped contributing to charities? Also, your income causes some loss of child tax credits, doesn't it? Itemized deductions would affect the total tax amount due when ...
by madbrain
Mon Apr 06, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mystery of increasing wages, but decreasing federal withhold
Replies: 12
Views: 1342
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