My CPA gave me my MAGI # for this year and it appears I'll be just beneath the IRMAA confiscatory cliff rates in 2 years. I've been doing Roth conversions for 7 years to avoid the Medicare surtax that will only get much bigger as Medicare rates rise. Most commenter agree that the major complaint is the arbitrary cliff taxation more than the extra tax itself.
The period certain gave me more certainty than just withdrawing from portfolio. Returns higher than cash. Less flexible than leaving in cash as I gave up flexibility for the higher certain yield. I will receive 96 monthly payments and then start SS. The higher guaranteed yield and monthly certainty more important than the flexibility. Can compare yields from different companies which embed the different fees.
Comments
Have you seen the studies showing sildenafil (viagra) correlated with a dramatic (30%-50% reduction) compared to non-users?
Post: Feed Your Brain
Link to comment from September 19, 2024
My CPA gave me my MAGI # for this year and it appears I'll be just beneath the IRMAA confiscatory cliff rates in 2 years. I've been doing Roth conversions for 7 years to avoid the Medicare surtax that will only get much bigger as Medicare rates rise. Most commenter agree that the major complaint is the arbitrary cliff taxation more than the extra tax itself.
Post: That 28,000,000% Tax
Link to comment from April 17, 2023
You are welcome.
Post: A Less Risky Life
Link to comment from March 27, 2021
The period certain gave me more certainty than just withdrawing from portfolio. Returns higher than cash. Less flexible than leaving in cash as I gave up flexibility for the higher certain yield. I will receive 96 monthly payments and then start SS. The higher guaranteed yield and monthly certainty more important than the flexibility. Can compare yields from different companies which embed the different fees.
Post: A Less Risky Life
Link to comment from March 27, 2021
See below.
Post: A Less Risky Life
Link to comment from March 27, 2021