I missed this thread, being out of town, but since my name has been brought up I'll take the opportunity of making a few corrections and comments, all in good nature so don't get offended, please:The high-income problem with last year's safe harbor is if LAST YEAR's AGI (not 1999's) is $150,000 use 105% (not 110%) of 1999 taxes.It's the safe harbors that require 4 equal and on time installments, not the Annualized Method which is specifically used with uneven installments.Actually, I have never advocated waiting for the LAST December check to overwithhold--always "in December" and often "even earlier if necessary", but I hope anyone reading it gets the point and doesn't wait 'till 12/30 to tell his payroll department to deduct $4,000 from a $2,000 paycheck.Anyway, in this post paying 100% (or 105%) of 1998 taxes, ALL from withholding ONLY seems to be the best strategy. DON'T make any installment payments because they'll be too late to do any good and will violate the safe harbor rules. Since there's the threat that the 1/4 of the Roth conversion tax is imputed to the first tax quarter, the Annualized Method is out the window, but it doesn't make any difference when the Roth Tax is due if you use the 1998 tax safe harbor.Hope this helped. Ed
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