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2012 Tax Return Form 10402012 tax return form 1040 Publication 915 - Introductory Material Table of Contents Reminders IntroductionOrdering forms and publications. 2012 tax return form 1040 Tax questions. 2012 tax return form 1040 Useful Items - You may want to see: Reminders Future developments. 2012 tax return form 1040 The IRS has created a page on IRS. 2012 tax return form 1040 gov for information about Publication 915, at www. 2012 tax return form 1040 irs. 2012 tax return form 1040 gov/pub915. 2012 tax return form 1040 Information about any future developments affecting Publication 915 (such as legislation enacted after we release it) will be posted on that page. 2012 tax return form 1040 Photographs of missing children. 2012 tax return form 1040 The Internal Revenue Service is a proud partner with the National Center for Missing and Exploited Children. 2012 tax return form 1040 Photographs of missing children selected by the Center may appear in this publication on pages that would otherwise be blank. 2012 tax return form 1040 You can help bring these children home by looking at the photographs and calling 1-800-THE-LOST (1-800-843-5678) if you recognize a child. 2012 tax return form 1040 Introduction This publication explains the federal income tax rules for social security benefits and equivalent tier 1 railroad retirement benefits. 2012 tax return form 1040 It is prepared through the joint efforts of the Internal Revenue Service (IRS), the Social Security Administration (SSA), and the U. 2012 tax return form 1040 S. 2012 tax return form 1040 Railroad Retirement Board (RRB). 2012 tax return form 1040 Social security benefits include monthly retirement, survivor, and disability benefits. 2012 tax return form 1040 They do not include supplemental security income (SSI) payments, which are not taxable. 2012 tax return form 1040 Equivalent tier 1 railroad retirement benefits are the part of tier 1 benefits that a railroad employee or beneficiary would have been entitled to receive under the social security system. 2012 tax return form 1040 They are commonly called the social security equivalent benefit (SSEB) portion of tier 1 benefits. 2012 tax return form 1040 If you received these benefits during 2013, you should have received a Form SSA-1099, Social Security Benefit Statement, or Form RRB-1099, Payments by the Railroad Retirement Board, showing the amount. 2012 tax return form 1040 (If you are a nonresident alien, you should have received Form SSA-1042S, Social Security Benefit Statement, or Form RRB-1042S, Statement for Nonresident Alien Recipients of: Payments by the Railroad Retirement Board. 2012 tax return form 1040 ) Note. 2012 tax return form 1040 When the term “benefits” is used in this publication, it applies to both social security benefits and the SSEB portion of tier 1 railroad retirement benefits. 2012 tax return form 1040 What is covered in this publication. 2012 tax return form 1040 This publication covers the following topics: Whether any of your benefits are taxable, How much is taxable, How to report taxable benefits, How to treat lump-sum benefit payments, and Deductions related to your benefits, including a deduction or credit you can claim if your repayments are more than your gross benefits. 2012 tax return form 1040 The Appendix at the end of this publication explains items shown on your Form SSA-1099, SSA-1042S, RRB-1099, or RRB-1042S. 2012 tax return form 1040 What is not covered in this publication. 2012 tax return form 1040 This publication does not cover the tax rules for the following railroad retirement benefits: Non-social security equivalent benefit (NSSEB) portion of tier 1 benefits, Tier 2 benefits, Vested dual benefits, and Supplemental annuity benefits. 2012 tax return form 1040 For information on these taxable pension benefits, see Publication 575, Pension and Annuity Income. 2012 tax return form 1040 This publication also does not cover the tax rules for foreign social security benefits. 2012 tax return form 1040 These benefits are taxable as annuities, unless they are exempt from U. 2012 tax return form 1040 S. 2012 tax return form 1040 tax or treated as a U. 2012 tax return form 1040 S. 2012 tax return form 1040 social security benefit under a tax treaty. 2012 tax return form 1040 Comments and suggestions. 2012 tax return form 1040 We welcome your comments about this publication and your suggestions for future editions. 2012 tax return form 1040 You can write to us at the following address: Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. 2012 tax return form 1040 NW, IR-6526 Washington, DC 20224 We respond to many letters by telephone. 2012 tax return form 1040 Therefore, it would be helpful if you would include your daytime phone number, including the area code, in your correspondence. 2012 tax return form 1040 You can send your comments from www. 2012 tax return form 1040 irs. 2012 tax return form 1040 gov/formspubs/. 2012 tax return form 1040 Click on “More Information” and then on “Comment on Tax Forms and Publications”. 2012 tax return form 1040 Although we cannot respond individually to each comment received, we do appreciate your feedback and will consider your comments as we revise our tax products. 2012 tax return form 1040 Ordering forms and publications. 2012 tax return form 1040 Visit www. 2012 tax return form 1040 irs. 2012 tax return form 1040 gov/formspubs/ to download forms and publications, call 1-800-TAX-FORM (1-800-829-3676), or write to the address below and receive a response within 10 days after your request is received. 2012 tax return form 1040 Internal Revenue Service 1201 N. 2012 tax return form 1040 Mitsubishi Motorway Bloomington, IL 61705-6613 Tax questions. 2012 tax return form 1040 If you have a tax question, check the information available on IRS. 2012 tax return form 1040 gov or call 1-800-829-1040. 2012 tax return form 1040 We cannot answer tax questions sent to either of the above addresses. 2012 tax return form 1040 Useful Items - You may want to see: Publication 505 Tax Withholding and Estimated Tax 575 Pension and Annuity Income 590 Individual Retirement Arrangements (IRAs) Forms (and Instructions) 1040-ES Estimated Tax for Individuals SSA-1099 Social Security Benefit Statement RRB-1099 Payments by the Railroad Retirement Board W-4V Voluntary Withholding Request See How To Get Tax Help near the end of this publication for information about getting these publications and forms. 2012 tax return form 1040 Prev Up Next Home More Online Publications
Retirement Saving Strategies for Late Starters
Start Saving Now
If you think it’s too late to start saving for retirement, think again. By setting some realistic goals and creating a plan, even for a few years, you can create a nest egg that can help you live a more comfortable retirement.
"Time is money" may be a trite expression, but when it comes to saving, it’s still very true. Just remember the compound interest lesson calculations you learned in math class. That lesson still applies. In a few years, you can make a significant contribution to your nest egg with a disciplined savings strategy.
Put every possible dollar into tax-advantageous retirement savings plans, a skilled financial planner can help you get the most for your money. If your employer offers to match your contribution to a 401(k), take advantage of that important retirement savings vehicle. Don’t leave money on the table! Look for other tax deductible savings plans if you still have a little extra to save. Your employer may offer additional pre-tax saving plans or you could open your own IRA. In addition, special provisions in federal retirement savings law allow employees 50 and older to save even more due to special catch-up provisions.
Remember, a little cost-cutting now will help ensure that you enjoy a more comfortable retirement later. If you were planning to treat yourself to a new car, consider making due with your current vehicle for a few more years. Reallocate the money you’d use for a down payment toward your savings strategy. Also, take a look at your auto insurance coverage. If you’re paying for collision coverage for an older vehicle, consider dropping it. Take a look at your deductible, too. If you have a low deductible, perhaps $250, consider raising it to at least $500 or even $1,000. These two strategies could significantly reduce your auto insurance premium.
If you were considering taking an out-of-town vacation, vacation at home. You might be surprised by the interesting activities you have in town or a short drive away. Downsizing into a smaller home, hopefully with a smaller mortgage or none at all, may be an option. Even small changes like skipping the daily $4.00 cup of boutique coffee or packing your own lunch for work it can save you hundreds of dollars each year.
Consider working longer. Postponing retirement by just a year or two can help you save thousands toward your goal and also allow more time for investment strategies to pay off, it can also increase your Social Security benefit. Also give thought to what your definition of retirement is. Many people who fully retire find themselves looking for a part-time job because they’re bored. Instead of leaving your employer entirely, consider a phased retirement and continue to working part time for several years.