Top Of My Head

Thoughts on everything from Politics to Video Games

Date: July 1, 2013

Shelling Out to Access Your Pay

How would you feel if you had to pay a fee to access the money from your paycheck?  I know I’d be pretty upset.

That’s what’s happening to employees at various companies.  These companies have phased out paper checks or direct deposit and there’s nothing the employees can do about it.  They don’t have a choice, but use the prepaid cards their employers are handing out.

According to an article in the New York Times, “one provider, for example, charges $1.75 to make a withdrawal from most A.T.M.’s, $2.95 for a paper statement and $6 to replace a card. Some users even have to pay $7 inactivity fees for not using their cards.”

This is totally outrageous.  When people complain about regulations, they don’t realize the reasons behind why we have them.  This is a reason.  Companies shouldn’t be cutting costs by so much that their employees have to pay fees in order to receive their own money from their paychecks.

Read the article and decide for yourself if I’m correct.

Gay Marriage: The Real Inequality

Last week, the US Supreme Court ruled that DOMA was unconstitutional.  That means that gay people in states that recognize or have gay marriage will have their marriages recognized.  This is good – for them.

For those of us who are gay, in non-legally recognized marriages and living in the wrong states, nothing has changed.  We still do not have the right to inheritance, hospital visitations and joint income tax returns.  It, also, means we don’t have the responsibilities and protections that marriage offers.

There are legal ways around this.  My wife and I have registered as Domestic Partners, so we have some of these rights.  And, prior to Domestic Partnerships being legal in my state, we had signed power of attorneys for health and legal matters.

BUT…

What we can’t do is file a marriage, filing jointly income tax return.  And, this is what burns my butt.

By myself, I will pay $12,260 in Federal Income Taxes in 2013.  My wife (who earns less than I do) will pay $2,978.  Together, that’s $15,238.  (This is based on the IRS Withholding Calculator.)  Using the same calculator, I calculated what we would owe if we could file as a married filing jointly couple and the amount is $13,901.  That’s $1,337 less than what we’re separately paying now.

I don’t think I’m receiving $1,337 in extra Federal Benefits, do you?  What am I getting for this money?  Why is MY marriage not recognize by the Federal government because a bunch of bigots didn’t want gay marriage nine years ago – and they won. (By cheating, the question was worded so that yes meant against gay marriage and no meant for gay marriage.  I can’t tell you the number of my friends who were happy it passed, because they couldn’t figure out the difference.)

In any case, we have a long way to go.

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