Got my paycheck today-- sadly I noticed I am looking up from the bottom of the Cliff.

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Posted 1/2/2013 by Dancingfish in NSBR Board
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Dancingfish
Ancient Ancestor of Pea

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Posted: 1/2/2013 2:19:41 PM
Yes with the tax changes I now have $21.54 to play with each week. Usually tax changes aren't so noticeable. But this one was a tough one to swallow.


Vicki
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A moment of mine



tnnsheila
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Posted: 1/2/2013 2:25:15 PM
It will make a big difference to alot of people. Especially the ones who live paycheck to paycheck. I have been trying to get my accounting software updated so I can do payroll tomorrow.

BelleMagic
PeaFixture

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Posted: 1/2/2013 2:26:59 PM
We have been advised by our payroll department that the federal government is telling them NOT to change any tax tables until January 31st. They are to continue using the 2012 table until that date. I am wondering what change I will see...

scorPEAo
Ancient Ancestor of Pea

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Posted: 1/2/2013 2:28:21 PM
the only tax change that has happened to my check thus far is the increase in social security. What other tax changes are on your check?



nlbremer
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Posted: 1/2/2013 2:37:35 PM
I noticed a big change too. I don't get to see my stub until Friday, so hopefully there will be an answer on it?? What I don't understand is that my check today is for last week, all in 2012, so why is the change not on the first check with a full week in 2013?

I love this country, but I am really starting to hate the decisions made by rich politicians regarding my hard earned money. I have no issue paying taxes, but it's getting out of control.

chelsea_bug
AncestralPea

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Posted: 1/2/2013 2:41:06 PM
DH will have a change in his check tomorrow due to insurance premiums going up as of 1/1.

I will have a change in my check this week due to additional flex spending funds I'm having taken out this year.

Is it possible that's what's causing part of your changes?


Chelsea_Bug

CheriVall
StuckOnPeas

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Posted: 1/2/2013 2:44:26 PM

What I don't understand is that my check today is for last week, all in 2012, so why is the change not on the first check with a full week in 2013?


Because you are taxed based on the check date not the work date ..

Cheri


"There is a choice you make in everything you do. In the end, the choice you make, makes you." ~Author Unknown

When the world says, "Give up," Hope whispers, "Try it one more time." -unknown



Kaitlyn's Promise

wannaplay
StuckOnPeas

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Posted: 1/2/2013 2:46:58 PM
Yeah. We each took hits in our pay check this week. Our stubs show it was all social security.

Burning Feather
I conceived but I can't see you

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Posted: 1/2/2013 2:50:44 PM
We just moved states where the taxes are different (no state tax) and DH is working slightly different hours, so I have no idea what his paycheck would even have "normally" been, so I just plan on burying my head and pretending that our government isn't an effed up mess.


Carla




Captain K
AncestralPea

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Posted: 1/2/2013 2:53:51 PM
What was your "amount to play with" before?

Does that mean you have around $80 a month more than your basic expenses? Ouchie, that is tight.

nlbremer
PeaAddict

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Posted: 1/2/2013 3:00:10 PM
Thanks Cheri, I did not know that...
I have no deductions from my check other than taxes currently. Hopefully my check stub will be here on Friday, so I can confirm.

TravelAgent
Resident Smart Ass

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Posted: 1/2/2013 3:03:26 PM
EVERYONE'S paycheck regardless of your tax bracket just went down by 2%. That's because our wonderful politicians in DC let the payroll tax break expire, so you're back to paying full rates for Social Security/Medicare.

Taxes go up by 2%, the money you have available to spend goes down by 2.

Julie



3kidmama
Ancient Ancestor of Pea

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Posted: 1/2/2013 3:09:03 PM
I heard my President tell me just LAST NIGHT that he wasn't raising taxes on lower and middle class.


Burning Feather
I conceived but I can't see you

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Posted: 1/2/2013 3:15:11 PM

I heard my President tell me just LAST NIGHT that he wasn't raising taxes on lower and middle class.


Semantics


Carla




Shih Tzu Mommy
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Posted: 1/2/2013 3:15:49 PM
I got a note saying that the EARLIEST they will impact pay is 15 Feb (paid on the 15th and last day of every month) and that they simply will not be able to make changes in 2013 until at least then. Your company was Johnny On The Spot with updates.



Dog people are a special breed!

Skybar
Perfect Peaing

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Posted: 1/2/2013 3:32:04 PM

Wow, shocker. He was lying when he said he only planned to soak the rich. You didn't actually believe that he could fund the government he dreams of by making the rich pay for it all, or did you?

yep. and it's nothing new.

The increase in taxes on the 'rich' will only cover 6.4 days of his spending.

With so many more on food stamps and more on unemployment for such an extended period of time - where do you think the money will come from?

He's put out something like over 5,000 new 'regulations' in the past 90 days. Many (if not most) will cost you as the consumer.

It will cost everyone 62$ (or 63) to cover the uninsured... I 'spect that's per yr. plus all your own insurance/health increases.





"A thorough knowledge of the Bible is worth more than a college education."
- President Theodore Roosevelt

On June 28, 1787, as Governor of Pennsylvania, Benjamin Franklin hosted the Constitutional Convention in Philadelphia, where he moved:

"That henceforth prayers imploring the assistance of Heaven, and its blessing on our deliberations, be held in this Assembly every morning."

Franklin wrote April 17, 1787:

"Only a virtuous people are capable of freedom. As nations become corrupt and vicious, they have more need of masters."

Benjamin Franklin wrote his epitaph:

"THE BODY of BENJAMIN FRANKLIN - Printer. Like the cover of an old book, Its contents torn out, And stripped of its lettering and gilding, Lies here, food for worms; Yet the work itself shall not be lost, For it will (as he believed) appear once more, In a new, And more beautiful edition, Corrected and amended By The AUTHOR."

scrappin jen
PeaAddict

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Posted: 1/2/2013 3:54:13 PM
The increase in taxes on the 'rich' will only cover 6.4 days of his spending.

This bears repeating. And if you consider "the rich" are often business owners who employ others trickle down economics at play should be expected. Thinking they went after Warren Buffect's money made people feel good about raising taxes. They never stop to think he is not receiving even payroll....his money comes from investments and dividends only. Most of the people who got their taxes raised through the roof last night are working parents and business owners who have mortgages, car payments, credit card bills, just like everyone else. Everyone is glad to think it went to someone else but we will all feel it down the road when our bosses make changes to accomodate this.

It's kind of like thinking the bank are stealing everyone's money- the bank who gave you money to buy your house, your car, your Christmas presents on the credit card they issued you because you don't have money in your wallet enough to not use it. Yep they should just hand it all out for free and never make a dime. Nevermind paying the teller, bank manager, or the rent for the building you go to use the ATM. We just want to believe they are all out to get us and the rich are bathing in gold and everyone should share with everyone else. No one wants to pay themselves but are the first to expect a break from someone else. America has really screwed up its vision. I liked the 80's better when everyone wanted to work like dogs and make their mark & live the dream. This class warfare and I need a hand out mentality makes us look weak and incapable. We are one of the greatest nations in the world and we should act like it.


~*kristina*~
Typical Liberal Pea

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Posted: 1/2/2013 4:13:55 PM

The increase in taxes on the 'rich' will only cover 6.4 days of his spending.


"his"....





MergeLeft
Typical Liberal

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Posted: 1/2/2013 4:31:13 PM
No real change on mine. Hmmm.



leftturnonly
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Posted: 1/2/2013 4:45:01 PM


Receipt from Cabela's from 1/1/13.





If PC is the way to get to Heaven, I'm going straight to Hell.



MetalDancer
StuckOnPeas

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Posted: 1/2/2013 4:58:43 PM
Our checks (every two weeks) are on-line to view today, but direct deposited on Friday. I am losing $25.00 and change each paycheck because of the Social Security tax. I'm doing my best to get my house refinanced which will help, but I also have to wait on XH to get the deed changed. And if I'm waiting on him, I'm backing up.


Lisa =^..^=

"What fresh hell is this?" Sheldon Cooper
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MonicaB
StuckOnPeas

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Posted: 1/2/2013 5:05:04 PM
Leftturnonly- what did you buy at Cabelas that you paid a medical excise tax on? Curious.



~Shelley~
StuckOnPeas

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Posted: 1/2/2013 5:05:21 PM

The increase in taxes on the 'rich' will only cover 6.4 days of his spending.



"his"....


Hey, if he can take credit for killing Osama bin Laden, he should take credit for this.

leftturnonly
Will trade mosquitoes for cookies.

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Posted: 1/2/2013 5:12:32 PM
Not my receipt. It's floating around the internet.

Looks like firearm merchandise to me.




If PC is the way to get to Heaven, I'm going straight to Hell.



jenchapin
PeaNut

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Posted: 1/2/2013 5:13:15 PM
Looked at my check today and I will be paying an additional $82/month in social security tax.


Blogging at www.jenchapin.blogspot.com
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scrappower
Allons-y Alonso

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Posted: 1/2/2013 5:14:09 PM
That medical excise tax is supposed to be on medical devices only, it is a 2.3% tax. Cabelas has some issues with the tax on 1/1/2013.


(Some Cabela's customers have since told us that the chain's cash registers did indeed manifest a glitch on 1 January 2013 that improperly imposed the medical device excise tax surcharge on non-qualifying merchandise, but the issue has now been corrected and customers who were incorrectly charged can contact Cabela's customer service department and request refunds for the overcharges.)
Read more at http://www.snopes.com/politics/taxes/medicaldevice.asp#wjTG50tsEwO0qFpW.99



Yubon
lunch is for wimps

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Posted: 1/2/2013 6:00:41 PM
[quote/]
I heard my President tell me just LAST NIGHT that he wasn't raising taxes on lower and middle class.

[/quote]
He said he wasn't raising INCOME taxes on low and middle income earners, and he hasn't. What has changed is PAYROLL taxes. There is a difference. The Social Security tax went back to 6.2% instead of 4.2%. Payroll taxes were never discussed or debated. Everyone knew they were going back to the 6.2% rate. If you are just now realizing this and are shocked by it....well, try watching the news or reading a newspaper in the future. Get your head out of the sand.



peasful1
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Posted: 1/2/2013 6:17:04 PM
Also, DH's pay cheques are always smaller at the beginning of the year because we are paying SS again. We usually hit the max mid-year and stop paying again until the new year.


------------------------------------
"When you judge another, you do not define them, you define yourself." -- Wayne Dyer


Burning Feather
I conceived but I can't see you

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Posted: 1/2/2013 6:42:04 PM

The Social Security tax went back to 6.2% instead of 4.2%. Payroll taxes were never discussed or debated. Everyone knew they were going back to the 6.2% rate.


That's a program that shold have never, ever been implemented in the first place. You don't take a necessary program that is literally bleeding to death and cut a gaping hole in it.


Carla




CheleOh
Pealippians 4:6-7

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Posted: 1/2/2013 6:44:07 PM
OK... someone can yell at me for being ignorant, too, but I don't pay much attention. I figure "THEY" are going to take what they're going to take, and I just adjust.

However, since I don't pay into Social Security (I pay into teacher retirement), does that mean that my paycheck won't be affected with this specific change?

Chele




"...the beauty of grace is that it makes life not fair..." ~RelientK~

scrappower
Allons-y Alonso

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Posted: 1/2/2013 6:49:21 PM

However, since I don't pay into Social Security (I pay into teacher retirement), does that mean that my paycheck won't be affected with this specific change?

How come I have to pay into both Social Security AND the TRA?


Different states have different laws on this.



meridon
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Posted: 1/2/2013 6:55:18 PM
Because you are part of both Social Security AND a pension program, most likely a 403b if it's a public school. Without the TRA, you'd be having to save on your own in an IRA unless you planned on living only on what you make from Social Security per month after you retire. Everyone who works pays Social Security and as a teacher you are also saving for your retirement through the state run system.


"Patience is knowing it will happen and giving it time to."---Rodney White

auntiedee
AncestralPea

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Posted: 1/2/2013 7:34:28 PM

I pay Social Security, and I pay into the TRA, AND I have a separate 403b plan that I voluntarily pay extra into that my district matches to a certain dollar amount each year. The first two are mandatory, the 403b is optional, but I want to be able to comfortably retire someday so I opt to participate. My financial advisor helped DH and I set it up years ago when I first qualified for the district match.


A district match.....I can't imagine what tha is like.


Dee

SMayer
StuckOnPeas

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Posted: 1/2/2013 7:49:01 PM

The Social Security tax went back to 6.2% instead of 4.2%. Payroll taxes were never discussed or debated. Everyone knew they were going back to the 6.2% rate.

ITA. It was a temporary tax holiday. It was never supposed to be permanent. I can't understand why people are complaining about this going back to where it was.

And this.

That's a program that should have never, ever been implemented in the first place. You don't take a necessary program that is literally bleeding to death and cut a gaping hole in it.

We're lucky "they" aren't raising this to 7% or 8 % or higher.

meridon
PeaAddict

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Posted: 1/2/2013 8:20:57 PM
We have the option to pay extra into the system as well, but I just also have an IRA that I opened as a rollover from a 401k from my first job out of college. It's awesome that you have a district match! I'd love that!


"Patience is knowing it will happen and giving it time to."---Rodney White

ilovecookies
PeaFixture

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Posted: 1/2/2013 8:25:49 PM

The Social Security tax went back to 6.2% instead of 4.2%. Payroll taxes were never discussed or debated. Everyone knew they were going back to the 6.2% rate.



That's a program that shold have never, ever been implemented in the first place. You don't take a necessary program that is literally bleeding to death and cut a gaping hole in it.


^that^



Shih Tzu Mommy
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Posted: 1/2/2013 8:25:53 PM


Everyone knew they were going back to the 6.2% rate. If you are just now realizing this and are shocked by it....well, try watching the news or reading a newspaper in the future. Get your head out of the sand.







While the way it is said might be harsh, she is right. I don't know anyone who thought it was going to be forever. It was temporary and happening at the same time as other things makes it pinch more, but it is what it is. Waiting for 15 May payroll so I can be done with it for the year.



Dog people are a special breed!

MochasMom
Ancient Ancestor of Pea

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Posted: 1/2/2013 8:31:35 PM

But the point is that some teachers have to pay into TRA and Social Security and still need to set aside a private retirement fund in order to be able to retire at a reasonable age. It takes a toll on our paycheck.
With all due respect Mrs. Tyler; most employees that are not teachers or government employees also pay Social Security, participate in their employers 401K plans (if they are available) and save outside of those as well. I won't even get into the topic of income limits for various plans such as a Roth.

Katybee
PeaFixture

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Posted: 1/2/2013 8:40:23 PM


How come I have to pay into both Social Security AND the TRA?
-----------------------------------------------------------------------

I figured it was something like that. Drat. I get hit from all sides.




But you will also get Social Security AND TRA when you retire...those of us who only pay TRA will only get TRA. It may be nice now, but will bite when I retire (even though I'm trying to save for retirement and also have a 403B, I'm single and can not put as much in as I would like--and absolutely do not get a match from my district!)

Chele--even though we don't pay SS, we pay medicare--so I still expect a hit.

But payroll taxes going back up was NEVER a debate. Republicans and Democrats alike knew it was necessary for both SS and Medicare to be viable. And although I know many of you would like to see both programs privatized--there are people who have worked hard all of thier lives that depend on those programs to survive.



angievp
Ideay pues?

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Posted: 1/2/2013 8:54:24 PM
I don't think it was ever up for debate. Plus, it's necessary, as others have mentioned.

SabrinaM
Proud Member of THE MOB

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Posted: 1/2/2013 9:08:26 PM
Necessary? I could see that being the case if spending was cut. It wasn't.



***********
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Recession: When your neighbor loses his job
Depression: When you lose yours
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scrapea girl
PeaFixture

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Posted: 1/2/2013 9:09:26 PM

I heard my President tell me just LAST NIGHT that he wasn't raising taxes on lower and middle class.



And you give his words credit?

freecharlie
What happens in NSBR, stays in NSBR

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Posted: 1/2/2013 9:24:15 PM
I pay into PERA which is the state of Colorado's plan. I can take SS as well because I paid enough into it before I started paying into PERA, but I can only take a specified amount, not both completely together.

DH's hospital merged with a teaching hospital so he will be paying into something else as well and not SS.

We've never had the option of paying into both at the same time.


Tribbey: I believe, as long as Justice Dreifort is intolerant toward gays, lesbians, blacks, unions, women, poor people, and the first, fourth, fifth, and ninth amendments, I will remain intolerant toward him! [to Ainsley] Nice meeting you

tamhugh
Ancient Ancestor of Pea

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Posted: 1/2/2013 9:39:49 PM
I pay into SS and into PSERS (public school employees in PA have to contibute). I didn't realize that other states allowed you to opt out of SS. DH works for a company, but he is considered an independent contractor. He has to pay both the employee and the employer portion of SS.

~SuburbanMom~
Wannabe FNPea!

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Posted: 1/2/2013 9:40:11 PM
All the articles I have read say it is only supposed to go down by $80 per month for every $50k per year. Are you noticing something different?



Kelpea
Owner of "best tacky invitation" thread EVER

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Posted: 1/2/2013 9:50:15 PM

Hey, if he can take credit for killing Osama bin Laden, he should take credit for this.


I'm fairly certain that most intelligent people (and even some of the dumber ones) are aware that the search for Bin Laden occurred before Obama's presidency and that he is not likely taking full credit for his demise.




freecharlie
What happens in NSBR, stays in NSBR

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Posted: 1/2/2013 9:56:37 PM

I didn't realize that other states allowed you to opt out of SS.
In Colorado, it isn't an opt out thing. We pay into PERA (public employee retirerment association. It isn't just teachers, but all state employees I believe.


Tribbey: I believe, as long as Justice Dreifort is intolerant toward gays, lesbians, blacks, unions, women, poor people, and the first, fourth, fifth, and ninth amendments, I will remain intolerant toward him! [to Ainsley] Nice meeting you

Gennifer
Biting my tongue.

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Posted: 1/2/2013 10:03:53 PM

It will cost everyone 62$ (or 63) to cover the uninsured
Well, hot damn. I'd much rather buy a Starbucks drink every month than make sure people have health care.



eebud
Doxie Pea Mom

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Posted: 1/2/2013 10:04:21 PM
I agree with those that have said they didn't agree with the SS reduction to begin with.


I heard my President tell me just LAST NIGHT that he wasn't raising taxes on lower and middle class.


He said he wasn't raising INCOME taxes on low and middle income earners, and he hasn't

I have heard Obama say many times that those people making under $250,000 per year will not pay one penny more in taxes. He did not distinguish between Federal Income Tax brackets or any other tax. This is not true but he has said it many times. I don't know what he specifically said last night because I was traveling and didn't see/hear the news. For many people, our taxes already went up this year with his changes to how FSA's can be used. Did the Fiscal cliff deal include reinstating the Sales Tax Deduction? I have not been able to find an answer to this question. If not, this affects everyone who itemizes and does not have a state income tax or their state income tax is lower than their sales tax. For those with high medical expenses, who use to set up more than $2,500 in a FSA, their taxes will go up in 2013 since they can no longer set aside as much. Again, the tax bracket didn't change but it still increases their Federal income taxes.





Hans on left, Bud in middle, Gretchen on right

MochasMom
Ancient Ancestor of Pea

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Posted: 1/2/2013 10:13:27 PM

All the articles I have read say it is only supposed to go down by $80 per month for every $50k per year. Are you noticing something different?
Please clarify.
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