Word: brackets
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Both plans invest mostly in stocks in the early years and slowly shift into bonds and money markets as your student nears college age. You get no say in this allocation. The impact of tax deferral is big. TIAA-CREF estimates that someone in the 28% tax bracket saving $5,000 a year and mimicking its investments in a taxable account could expect to accumulate $167,000 in 18 years. Deferring taxes and then paying them at 15% brings the total to $190,000. The state deduction, for those who qualify, pushes the nest...
Captain Mike Zimmerman netted all four goals for Harvard in the defeat, but it wasn't enough as the Crimson entered the loser's bracket, with its chances of advancing to ECAC's eliminated...
...other members of the freshman class faced similar struggles. In the third singles flight, Fleur Broughton lost her first round match 3-6, 0-6 to William & Mary's Iesayca Arthur. However, Broughton bounced back with a 6-3, 6-2 win in the loser's bracket, which led to a match with the top seed in the flight, Duke's Ioana Plesu...
...first round, Wang fell in straight sets to Kris Sell from Kansas, 6-2, 6-1. Moving into the loser's bracket, Wang managed to take a first set tiebreaker from Syracuse's Shareen Lai and cruised in the second set for a Harvard victory. After the match Wang's shoulder acted up, forcing her to default her next match...
...would owe $7,795 in federal income tax. They would owe $880 less if they divorced but stayed together. That's because married people get a smaller standard deduction: $7,100 per couple, vs. $4,250 per single ($8,500 together). Married couples also move to the next tax bracket quicker: after typical deductions, they can earn $42,350 in the 15% bracket before further income is taxed at 28%; singles can earn $25,350 each ($50,700 together) before crossing that threshold...