@Craig *******
thx. Running $30k CAD to 50k scenarios thru a Canadian income tax calculator, our rates are 11+% to 15+. $50k USD is 70kCAD works out to 18%, much higher than the o.p. and most retirees here I think. Our Canadian rates are higher than thai in all the above scenarios but saw in another thread only fed portion used??? If I strip out the part the fed forwards to the province, that reduces above rates by a third, on par or slightly less than thai rates.