I still don't quite get it. what about bank CDs? some months I get interest and some months I don't when it ends. can I do backup withholding option or is that a bad thing? ( what is backup withholding anyway? is that like setting aside money for taxes or you shouldn't do that for normal people?) do I pay quarterly for every month I receive CD interest or for in total of the end of year when the CD ends? and for w-4, what does 0-4 mean for maximum/minimum money deduction for taxes? how should you determine your number?
