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1040x Filing Instructions

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1040x Filing Instructions

1040x filing instructions 6. 1040x filing instructions   Catch-Up Contributions Table of Contents The most that can be contributed to your 403(b) account is the lesser of your limit on annual additions or your limit on elective deferrals. 1040x filing instructions If you will be age 50 or older by the end of the year, you may also be able to make additional catch-up contributions. 1040x filing instructions These additional contributions cannot be made with after-tax employee contributions. 1040x filing instructions You are eligible to make catch-up contributions if: You will have reached age 50 by the end of the year, and The maximum amount of elective deferrals that can be made to your 403(b) account have been made for the plan year. 1040x filing instructions The maximum amount of catch-up contributions is the lesser of: $5,500 for 2013 and unchanged for 2014, or The excess of your compensation for the year, over the elective deferrals that are not catch-up contributions. 1040x filing instructions Figuring catch-up contributions. 1040x filing instructions   When figuring allowable catch-up contributions, combine all catch-up contributions made by your employer on your behalf to the following plans. 1040x filing instructions Qualified retirement plans. 1040x filing instructions (To determine if your plan is a qualified plan, ask your plan administrator. 1040x filing instructions ) 403(b) plans. 1040x filing instructions Simplified employee pension (SEP) plans. 1040x filing instructions SIMPLE plans. 1040x filing instructions   The total amount of the catch-up contributions on your behalf to all plans maintained by your employer cannot be more than the annual limit. 1040x filing instructions For 2013 the limit is $5,500, unchanged for 2014. 1040x filing instructions    If you are eligible for both the 15-year rule increase in elective deferrals and the age 50 catch-up, allocate amounts first under the 15-year rule and next as an age 50 catch-up. 1040x filing instructions    Catch-up contributions do not affect your MAC. 1040x filing instructions Therefore, the maximum amount that you are allowed to have contributed to your 403(b) account is your MAC plus your allowable catch-up contribution. 1040x filing instructions You can use Worksheet C in chapter 9 to figure your limit on catch-up contributions. 1040x filing instructions Prev  Up  Next   Home   More Online Publications
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Buying a New Car

Whether you are buying or leasing a vehicle, these tips will help you get the best deal and avoid problems.

  • Check out different vehicles. Do your research first and compare vehicles. You can go to the website of every car manufacturer and review every model of car available. In fact, most manufacturer sites will even let you use drop down menus to “build” an electronic version of your dream car. Then, when you decide which model, colors, and accessories you want, you can hit the locate dealer button and find the closest showroom that has your car.
  • Research the dealer’s price for the car and options. It’s easier to get the best price when you know what the dealer paid for a vehicle. The dealer invoice price is available at a number of websites and in printed pricing guides. Consumer Reports provides the wholesale price; this figure factors in dealer incentives from a manufacturer and is a more accurate estimate of what a dealer is paying for a vehicle.
  • Special Discounts. Determine if you qualify for special discounts or rebates for military personnel, students or other qualifying groups.
  • Negotiate. Negotiate up from the invoice price instead of down from the inflated price to get a good deal.
  • Find out if the manufacturer is offering rebates that will lower the cost. Two websites that offer this information are Carsdirect.com and Autopedia.com.
  • Get price quotes from several dealers. Find out if the amounts quoted are the prices before or after rebates are deducted.
  • Avoid low-value extras such as credit insurance, auto club memberships, extended warranties, rust proofing and upholstery finishes. You do not have to purchase credit insurance in order to get a loan.
  • Hybrid-electric cars are becoming popular among consumers interested in fuel economy and reducing their negative impact on the environment. These cars combine the benefits of gasoline engines and electric motors and can be configured to achieve different objectives such as improved fuel economy, increased power, or additional auxiliary power.

The 1040x Filing Instructions

1040x filing instructions Index Prev  Up     Home   More Online Publications