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Aarp tax help Index A Assistance (see Tax help) B Base amount, Base amount. Aarp tax help C Canadian social security benefits, Canadian or German social security benefits paid to U. Aarp tax help S. Aarp tax help residents. Aarp tax help Children's benefits, Children's benefits. Aarp tax help Comments on publication, Comments and suggestions. Aarp tax help D Deductions related to benefits, Deductions Related to Your Benefits $3,000 or less, Deduction $3,000 or less. Aarp tax help $3,000. Aarp tax help 01 or more, Deduction more than $3,000. Aarp tax help Disability benefits repaid, Disability payments. Aarp tax help E Estimated tax, Tax withholding and estimated tax. Aarp tax help F Form 1040, Reporting on Form 1040. Aarp tax help Form 1040A, Reporting on Form 1040A. Aarp tax help Form RRB-1042S, Form RRB-1042S, Payments by the Railroad Retirement Board 2013 (Nonresident Aliens) Form RRB-1099, Lump-sum payment reported on Form SSA-1099 or RRB-1099. Aarp tax help , Form RRB-1099, Payments by the Railroad Retirement Board 2013 Form SSA-1042S, Form SSA-1042S, Social Security Benefit Statement 2013 (Nonresident Aliens) Form SSA-1099, Lump-sum payment reported on Form SSA-1099 or RRB-1099. Aarp tax help , Appendix Form W-4V, Tax withholding and estimated tax. Aarp tax help Free tax services, Free help with your tax return. Aarp tax help Future developments Product page, Reminders G German social security benefits, Canadian or German social security benefits paid to U. Aarp tax help S. Aarp tax help residents. Aarp tax help H Help (see Tax help) J Joint returns, Joint return. Aarp tax help L Legal expenses, Legal expenses. Aarp tax help Lump-sum election, Lump-Sum Election Example, Example M Missing children, photographs of, Reminders N Nonresident aliens, Nonresident aliens. Aarp tax help Form RRB-1042S, Form RRB-1042S, Payments by the Railroad Retirement Board 2013 (Nonresident Aliens) Form SSA-1042S, Form SSA-1042S, Social Security Benefit Statement 2013 (Nonresident Aliens) Nontaxable benefits, Benefits not taxable. Aarp tax help P Permanent resident aliens, Lawful permanent residents. Aarp tax help Publications (see Tax help) R Railroad retirement benefits, Introduction Repayments Benefits received in earlier year, Repayment of benefits. Aarp tax help , Repayment of benefits received in an earlier year. Aarp tax help Disability benefits, Disability payments. Aarp tax help Gross benefits, Repayment of benefits. Aarp tax help , Repayments More Than Gross Benefits Reporting requirements, How To Report Your Benefits Lump-sum payment, Lump-sum payment reported on Form SSA-1099 or RRB-1099. Aarp tax help S Social Security benefits, Introduction Suggestions for publication, Comments and suggestions. Aarp tax help T Tax help, How To Get Tax Help Taxable benefits Determination of, Are Any of Your Benefits Taxable?, How Much Is Taxable? Maximum taxable part, Maximum taxable part. Aarp tax help Person receiving benefits determines, Who is taxed. Aarp tax help Worksheets, Worksheet A. Aarp tax help Examples, Examples, Worksheets Which to use, Which worksheet to use. Aarp tax help Total income, figuring, Figuring total income. Aarp tax help TTY/TDD information, How To Get Tax Help U U. Aarp tax help S. Aarp tax help citizens residing abroad, U. Aarp tax help S. Aarp tax help citizens residing abroad. Aarp tax help U. Aarp tax help S. Aarp tax help residents Canadian or German social security benefits paid to, Canadian or German social security benefits paid to U. Aarp tax help S. Aarp tax help residents. Aarp tax help W Withholding, Tax withholding and estimated tax. Aarp tax help Exemption from, Exemption from withholding. Aarp tax help Form W-4V, Tax withholding and estimated tax. Aarp tax help Voluntary, Tax withholding and estimated tax. Aarp tax help Worksheets Taxable benefits Blank Worksheet 1, Worksheets Filled-in Worksheet 1, Filled-in Worksheet 1. Aarp tax help Figuring Your Taxable Benefits, Filled-in Worksheet 1. Aarp tax help Figuring Your Taxable Benefits, Filled-in Worksheet 1. Aarp tax help Figuring Your Taxable Benefits, Filled-in Worksheet 1. Aarp tax help Figuring Your Taxable Benefits Quick calculation, sample, Worksheet A. Aarp tax help Prev  Up     Home   More Online Publications
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Choose the Account That Is Best for You

When it comes to finding a safe place to put your money, there are a lot of options. Savings accounts, checking accounts, certificates of deposit and money market accounts are popular choices. Each has different rules and benefits that fit different needs. When choosing the one that is right for you, consider:

  • Minimum deposit requirements- Some accounts can only be set up with a minimum dollar amount. If your account goes below the minimum the bank may not pay you interest on the money you deposited and you may be charged extra fees.
  • Limits on withdrawals- Can you take money out whenever you want? Are there any penalties for doing so?
  • Interest- How much (if anything) is paid and when: Daily, monthly, quarterly, yearly? To compare rates offered locally to those from financial institutions around the nation, visit bankrate.com
  • Deposit insurance- Make sure your bank is a member of the Federal Deposit Insurance Corporation. This organization protects the money in your checking and savings accounts, certificates of deposit and IRA accounts up to $250,000.
  • Credit unions- A credit union is a nonprofit, cooperative financial institution owned and run by its members. Like the FDIC does for banks, the National Credit Union Share Insurance Fund (NCUIF) insures a person's savings up to $250,000.
  • Convenience- How easy is it to put money in and take it out? Are there tellers or ATM machines close to where you work and live? Or would you receive most of your service via the telephone or Internet?

If you are considering a checking account or another type of account with check-writing privileges, add these items to your list of things to think about:

  • Number of checks- Is there a maximum number of checks you can write per month without incurring a charge?
  • Check fees- Is there a monthly fee for the account or a charge for each check you write?
  • Holds on checks- Is there a waiting period for checks to clear before you can withdraw the money from your account?
  • Overdrafts- If you write a check for more money than you have in your account, what happens? You may be able to link your checking account to a savings account to protect yourself.
  • Debit card fees- Are there fees for using your debit card?
  • strong>Account fees- Banks can charge fees on your checking or savings account to cover things like maintenance, withdrawals, or minimum balance rules. However, the bank must inform you of the fees up front as part of your account agreement and notify you when changes occur. Practices vary from bank to bank, but each must inform you of the fee change on your statement, in a separate letter, or in a pamphlet. The Federal Reserve has more information about account fees.
  • Bounced checks- It’s your responsibility to have sufficient funds in your account to cover the checks you write. If you try to cash a check, withdraw money, or use your debit card for an amount greater than the amount of money in your account, you can face a bounced check or overdraft fee. Your bank may pay for the item, but charge you a fee or deny the purchase and still charge you a fee. In addition, the business to which you wrote the check may charge you an additional returned check fee. Bounced checks can also blemish your credit record, so you may want to talk to your bank about overdraft protection. For more information, contact the Federal Reserve.

The Aarp Tax Help

Aarp tax help 1. Aarp tax help   2013 Filing Requirements Table of Contents General RequirementsSelf-employed persons. Aarp tax help Decedents If income tax was withheld from your pay, or if you qualify for the earned income credit, the additional child tax credit, the health coverage tax credit, or the American opportunity credit, you should file a return to get a refund even if you are not otherwise required to file a return. Aarp tax help Do not file a federal income tax return if you do not meet the filing requirements and are not due a refund. Aarp tax help If you need assistance to determine if you need to file a federal income tax return for 2013, go to IRS. Aarp tax help gov and use the Interactive Tax Assistant (ITA). Aarp tax help You can find the ITA by going to IRS. Aarp tax help gov and entering “interactive tax assistant” in the search box. Aarp tax help Open the ITA and click on Do I Need to File a Tax Return under Topics by Category. Aarp tax help General Requirements If you are a U. Aarp tax help S. Aarp tax help citizen or resident alien, you must file a return if your gross income for the year was at least the amount shown on the appropriate line in Table 1-1. Aarp tax help For other filing requirements, see your tax return instructions or Publication 501, Exemptions, Standard Deduction, and Filing Information. Aarp tax help If you were a nonresident alien at any time during the year, the filing requirements that apply to you may be different from those that apply to U. Aarp tax help S. Aarp tax help citizens. Aarp tax help See Publication 519, U. Aarp tax help S. Aarp tax help Tax Guide for Aliens. Aarp tax help Table 1-1. Aarp tax help 2013 Filing Requirements Chart for Most Taxpayers Note. Aarp tax help You must file a return if your gross income was at least the amount shown in the last column. Aarp tax help IF your filing status is. Aarp tax help . Aarp tax help . Aarp tax help AND at the end of 2013 you were*. Aarp tax help . Aarp tax help . Aarp tax help THEN file a return if your gross income** was at least. Aarp tax help . Aarp tax help . Aarp tax help Single under 65 $10,000 65 or older $11,500 Head of household under 65 $12,850 65 or older $14,350 Married filing jointly*** under 65 (both spouses) $20,000 65 or older (one spouse) $21,200 65 or older (both spouses) $22,400 Married filing separately any age $3,900 Qualifying widow(er)  with dependent child under 65 $16,100 65 or older $17,300 * If you were born before January 2, 1949, you are considered to be 65 or older at the end of 2013. Aarp tax help ** Gross income means all income you receive in the form of money, goods, property, and services that is not exempt from tax, including any income from sources outside the United States or from the sale of your main home (even if you can exclude part or all of it). Aarp tax help It also includes gains, but not losses, reported on Form 8949 or Schedule D. Aarp tax help Gross income from a business means, for example, the amount on Schedule C, line 7, or Schedule F, line 9. Aarp tax help But in figuring gross income, do not reduce your income by any losses, including any loss on Schedule C, line 7, or Schedule F, line 9. Aarp tax help Do not include any social security benefits unless (a) you are married filing separately and you lived with your spouse at any time in 2013 or (b) one-half of your social security benefits plus your other gross income and any tax-exempt interest is more than $25,000 ($32,000 if married filing jointly). Aarp tax help If (a) or (b) applies, see the Instructions for Form 1040 or Publication 915, Social Security and Equivalent Railroad Retirement Benefits, to figure the taxable part of social security benefits you must include in gross income. Aarp tax help *** If you did not live with your spouse at the end of 2013 (or on the date your spouse died) and your gross income was at least $3,900, you must file a return regardless of your age. Aarp tax help Gross income. Aarp tax help   Gross income is all income you receive in the form of money, goods, property, and services that is not exempt from tax. Aarp tax help If you are married and live with your spouse in a community property state, half of any income defined by state law as community income may be considered yours. Aarp tax help The community property states are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin. Aarp tax help A registered domestic partner in Nevada, Washington, or California generally must report half the combined community income of the individual and his or her domestic partner. Aarp tax help For more information about community property, see Publication 555, Community Property. Aarp tax help   For more information on what to include in gross income, see chapter 2. Aarp tax help Self-employed persons. Aarp tax help    If you are self-employed in a business that provides services (where the production, purchase, or sale of merchandise is not an income-producing factor), gross income from that business is the gross receipts. Aarp tax help   If you are self-employed in a business involving manufacturing, merchandising, or mining, gross income from that business is the total sales minus the cost of goods sold. Aarp tax help Then, to this figure, you add any income from investments and from incidental or outside operations or sources. Aarp tax help See Publication 334, Tax Guide for Small Business, for more information. Aarp tax help Dependents. Aarp tax help   If you could be claimed as a dependent by another taxpayer (that is, you meet the dependency tests in Publication 501), special filing requirements apply. Aarp tax help See Publication 501. Aarp tax help Decedents A personal representative of a decedent's estate can be an executor, administrator, or anyone who is in charge of the decedent's property. Aarp tax help If you are acting as the personal representative of a person who died during the year, you may have to file a final return for that decedent. Aarp tax help You also have other duties, such as notifying the IRS that you are acting as the personal representative. Aarp tax help Form 56, Notice Concerning Fiduciary Relationship, is available for this purpose. Aarp tax help When you file a return for the decedent, either as the personal representative or as the surviving spouse, you should write “DECEASED,” the decedent's name, and the date of death across the top of the tax return. Aarp tax help If no personal representative has been appointed by the due date for filing the return, the surviving spouse (on a joint return) should sign the return and write in the signature area “Filing as surviving spouse. Aarp tax help ” For more information, see Publication 559, Survivors, Executors, and Administrators. Aarp tax help Surviving spouse. Aarp tax help   If you are the surviving spouse, the year your spouse died is the last year for which you can file a joint return with that spouse. Aarp tax help After that, if you do not remarry, you must file as a qualifying widow(er) with dependent child, head of household, or single. Aarp tax help For more information about each of these filing statuses, see Publication 501. Aarp tax help   If you remarry before the end of the year in which your spouse died, a final joint return with the deceased spouse cannot be filed. Aarp tax help You can, however, file a joint return with your new spouse. Aarp tax help In that case, the filing status of your deceased spouse for his or her final return is married filing separately. Aarp tax help The level of income that requires you to file an income tax return changes when your filing status changes (see Table 1-1). Aarp tax help Even if you and your deceased spouse were not required to file a return for several years, you may have to file a return for tax years after the year of death. Aarp tax help For example, if your filing status changes from filing jointly in 2012 to single in 2013 because of the death of your spouse, and your gross income is $17,500 for both years, you must file a return for 2013 even though you did not have to file a return for 2012. Aarp tax help Prev  Up  Next   Home   More Online Publications