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I 'retired early' last year and I'm about to start taking SEPP payments from an IRA using the amortization method. The calculations are easy, but I have several questions about what rate to use.

Do I use the Federal rate in effect at the time of my account balance(12/31/99), the time I make the calculation and submit the forms(1/00), or the time I receive the 1st payment(2/00 or preferably 3/00)?

The Jan 2000 Federal table 1 includes a 120% rate of 7.77, while 1.2 times 100% rate(6.45) equals 7.74(also used by the Retire Early Java calculator). Which can I safely use(and why the difference)?

Vanguard's instructions say I can take quarterly withdrawals. If I choose that option, do I have to calculate the amount using a different rate(the table shows semi-annual, quarterly, and monthly rates) and life expectancy, or am I OK as long as I take 4 payments this year equaling the yearly calculation?

Thanx :)
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