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How To Fill Out 1040ez Form

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How To Fill Out 1040ez Form

How to fill out 1040ez form 2. How to fill out 1040ez form   Maximum Amount Contributable (MAC) Table of Contents Components of Your MAC How Do I Figure My MAC?Elective deferrals only. How to fill out 1040ez form Nonelective contributions only. How to fill out 1040ez form Elective deferrals and nonelective contributions. How to fill out 1040ez form When Should I Figure My MAC? Throughout this publication, the limit on the amount that can be contributed to your 403(b) account for any year is referred to as your maximum amount contributable (MAC). How to fill out 1040ez form This chapter: Introduces the components of your MAC, Tells you how to figure your MAC, and Tells you when to figure your MAC. How to fill out 1040ez form Components of Your MAC Generally, before you can determine your MAC, you must first figure the components of your MAC. How to fill out 1040ez form The components of your MAC are: The limit on annual additions (chapter 3), and The limit on elective deferrals (chapter 4). How to fill out 1040ez form How Do I Figure My MAC? Generally, contributions to your 403(b) account are limited to the lesser of: The limit on annual additions, or The limit on elective deferrals. How to fill out 1040ez form Depending upon the type of contributions made to your 403(b) account, only one of the limits may apply to you. How to fill out 1040ez form Which limit applies. How to fill out 1040ez form   Whether you must apply one or both of the limits depends on the type of contributions made to your 403(b) account during the year. How to fill out 1040ez form Elective deferrals only. How to fill out 1040ez form   If the only contributions made to your 403(b) account during the year were elective deferrals made under a salary reduction agreement, you will need to figure both of the limits. How to fill out 1040ez form Your MAC is the lesser of the two limits. How to fill out 1040ez form Nonelective contributions only. How to fill out 1040ez form   If the only contributions made to your 403(b) account during the year were nonelective contributions (employer contributions not made under a salary reduction agreement), you will only need to figure the limit on annual additions. How to fill out 1040ez form Your MAC is the limit on annual additions. How to fill out 1040ez form Elective deferrals and nonelective contributions. How to fill out 1040ez form   If the contributions made to your 403(b) account were a combination of both elective deferrals made under a salary reduction agreement and nonelective contributions (employer contributions not made under a salary reduction agreement), you will need to figure both limits. How to fill out 1040ez form Your MAC is the limit on the annual additions. How to fill out 1040ez form   You need to figure the limit on elective deferrals to determine if you have excess elective deferrals, which are explained in chapter 7. How to fill out 1040ez form Worksheets. How to fill out 1040ez form   Worksheets are available in chapter 9 to help you figure your MAC. How to fill out 1040ez form When Should I Figure My MAC? At the beginning of 2014, you should refigure your 2013 MAC based on your actual compensation for 2013. How to fill out 1040ez form This will allow you to determine if the amount that has been contributed to your 403(b) account for 2013 has exceeded the allowable limits. How to fill out 1040ez form In some cases, this will allow you to avoid penalties and additional taxes. How to fill out 1040ez form See chapter 7. How to fill out 1040ez form Generally, you should figure your MAC for the current year at the beginning of each tax year using a conservative estimate of your compensation. How to fill out 1040ez form If your compensation changes during the year, you should refigure your MAC based on a revised conservative estimate. How to fill out 1040ez form By doing this, you will be able to determine if contributions to your 403(b) account can be increased or should be decreased for the year. How to fill out 1040ez form Prev  Up  Next   Home   More Online Publications
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Consumer Protection Offices

City, county, regional, and state consumer offices offer a variety of important services. They might mediate complaints, conduct investigations, prosecute offenders of consumer laws, license and regulate professional service providers, provide educational materials and advocate for consumer rights. To save time, call before sending a written complaint. Ask if the office handles the type of complaint you have and if complaint forms are provided.

State Consumer Protection Offices

Missouri Attorney General's Office

Website: Missouri Attorney General's Office

Address: Missouri Attorney General's Office
Consumer Protection Unit
PO Box 899
Jefferson City, MO 65102

Phone Number: 573-751-3321

Toll-free: 1-800-392-8222 (MO, Hotline)

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Regional Consumer Protection Offices

Missouri Attorney Generals Office- St Louis

Website: Missouri Attorney Generals Office- St Louis

Address: Missouri Attorney Generals Office- St Louis
Consumer Protection Division
Old Post Office Building
815 Olive St., Suite 200
St. Louis, MO 63101

Phone Number: 314-340-6816

Toll-free: 1-800-392-8222 (MO, Hotline)

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Banking Authorities

The officials listed in this section regulate and supervise state-chartered banks. Many of them handle or refer problems and complaints about other types of financial institutions as well. Some also answer general questions about banking and consumer credit. If you are dealing with a federally chartered bank, check Federal Agencies.

Department of Finance

Website: Department of Finance

Address: Department of Finance
PO Box 716
Jefferson City, MO 65102

Phone Number: 573-751-3242

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Insurance Regulators

Each state has its own laws and regulations for each type of insurance. The officials listed in this section enforce these laws. Many of these offices can also provide you with information to help you make informed insurance buying decisions.

Department of Insurance, Financial, and Professional Registration

Website: Department of Insurance, Financial, and Professional Registration

Address: Department of Insurance, Financial, and Professional Registration
Consumer Affairs Division
PO Box 690
Jefferson City, MO 65102-0690

Toll-free: 1-800-726-7390 (MO)

TTY: 573-526-4536

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Securities Administrators

Each state has its own laws and regulations for securities brokers and securities - including stocks, mutual funds, commodities, real estate, etc. The officials and agencies listed in this section enforce these laws and regulations. Many of these offices can also provide information to help you make informed investment decisions.

Office of the Secretary of State

Website: Office of the Secretary of State

Address: Office of the Secretary of State
Securities Division
600 W. Main St.
Jefferson City, MO 65101-1276

Phone Number: 573-751-4136

Toll-free: 1-800-721-7996 (MO)

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Utility Commissions

State Utility Commissions regulate services and rates for gas, electricity and telephones within your state. In some states, the utility commissions regulate other services such as water, transportation, and the moving of household goods. Many utility commissions handle consumer complaints. Sometimes, if a number of complaints are received about the same utility matter, they will conduct investigations.

Public Service Commission

Website: Public Service Commission

Address: Public Service Commission
Consumer Services Department
200 Madison St.
PO Box 360
Jefferson City, MO 65102-0360

Phone Number: 573-751-3234

Toll-free: 1-800-392-4211 (MO)

TTY: 573-522-9061

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The How To Fill Out 1040ez Form

How to fill out 1040ez form 9. How to fill out 1040ez form   Education Exception to Additional Tax on Early IRA Distributions Table of Contents Introduction Who Is Eligible Figuring the Amount Not Subject to the 10% Tax Reporting Early Distributions Introduction Generally, if you take a distribution from your IRA before you reach age 59½, you must pay a 10% additional tax on the early distribution. How to fill out 1040ez form This applies to any IRA you own, whether it is a traditional IRA (including a SEP-IRA), a Roth IRA, or a SIMPLE IRA. How to fill out 1040ez form The additional tax on an early distribution from a SIMPLE IRA may be as high as 25%. How to fill out 1040ez form See Publication 560, Retirement Plans for Small Business, for information on SEP-IRAs, and Publication 590, for information about all other IRAs. How to fill out 1040ez form However, you can take distributions from your IRAs for qualified higher education expenses without having to pay the 10% additional tax. How to fill out 1040ez form You may owe income tax on at least part of the amount distributed, but you may not have to pay the 10% additional tax. How to fill out 1040ez form Generally, if the taxable part of the distribution is less than or equal to the adjusted qualified education expenses (AQEE), none of the distribution is subject to the additional tax. How to fill out 1040ez form If the taxable part of the distribution is more than the AQEE, only the excess is subject to the additional tax. How to fill out 1040ez form Who Is Eligible You can take a distribution from your IRA before you reach age 59½ and not have to pay the 10% additional tax if, for the year of the distribution, you pay qualified education expenses for: yourself, your spouse, or your or your spouse's child, foster child, adopted child, or descendant of any of them. How to fill out 1040ez form Qualified education expenses. How to fill out 1040ez form   For purposes of the 10% additional tax, these expenses are tuition, fees, books, supplies, and equipment required for enrollment or attendance at an eligible educational institution. How to fill out 1040ez form They also include expenses for special needs services incurred by or for special needs students in connection with their enrollment or attendance. How to fill out 1040ez form   In addition, if the student is at least a half-time student, room and board are qualified education expenses. How to fill out 1040ez form   The expense for room and board qualifies only to the extent that it is not more than the greater of the following two amounts. How to fill out 1040ez form The allowance for room and board, as determined by the eligible educational institution, that was included in the cost of attendance (for federal financial aid purposes) for a particular academic period and living arrangement of the student. How to fill out 1040ez form The actual amount charged if the student is residing in housing owned or operated by the eligible educational institution. How to fill out 1040ez form You will need to contact the eligible educational institution for qualified room and board costs. How to fill out 1040ez form Eligible educational institution. How to fill out 1040ez form   An eligible educational institution is any college, university, vocational school, or other postsecondary educational institution eligible to participate in a student aid program administered by the U. How to fill out 1040ez form S. How to fill out 1040ez form Department of Education. How to fill out 1040ez form It includes virtually all accredited public, nonprofit, and proprietary (privately owned profit-making) postsecondary institutions. How to fill out 1040ez form The educational institution should be able to tell you if it is an eligible educational institution. How to fill out 1040ez form   Certain educational institutions located outside the United States also participate in the U. How to fill out 1040ez form S. How to fill out 1040ez form Department of Education's Federal Student Aid (FSA) programs. How to fill out 1040ez form Half-time student. How to fill out 1040ez form   A student is enrolled “at least half-time” if he or she is enrolled for at least half the full-time academic work load for the course of study the student is pursuing as determined under the standards of the school where the student is enrolled. How to fill out 1040ez form Figuring the Amount Not Subject to the 10% Tax To determine the amount of your distribution that is not subject to the 10% additional tax, first figure your adjusted qualified education expenses. How to fill out 1040ez form You do this by reducing your total qualified education expenses by any tax-free educational assistance, which includes: Expenses used to figure the tax-free portion of distributions from a Coverdell education savings account (ESA) (see Distributions in chapter 7, Coverdell Education Savings Account), The tax-free part of scholarships and fellowships (see Tax-Free Scholarships and Fellowships in chapter 1, Scholarships, Fellowships, Grants, and Tuition Reductions), Pell grants (see Pell Grants and Other Title IV Need-Based Education Grants in chapter 1, Scholarships, Fellowships, Grants, and Tuition Reductions), Veterans' educational assistance (see Veterans' Benefits in chapter 1, Scholarships, Fellowships, Grants, and Tuition Reductions), Employer-provided educational assistance (see chapter 11, Employer-Provided Educational Assistance ), and Any other nontaxable (tax-free) payments (other than gifts or inheritances) received as educational assistance. How to fill out 1040ez form Do not reduce the qualified education expenses by amounts paid with funds the student receives as: Payment for services, such as wages, A loan, A gift, An inheritance given to either the student or the individual making the withdrawal, or A withdrawal from personal savings (including savings from a qualified tuition program (QTP)). How to fill out 1040ez form If your IRA distribution is equal to or less than your adjusted qualified education expenses, you are not subject to the 10% additional tax. How to fill out 1040ez form Example 1. How to fill out 1040ez form In 2013, Erin (age 32) took a year off from teaching to attend graduate school full-time. How to fill out 1040ez form She paid $5,800 of qualified education expenses from the following sources. How to fill out 1040ez form   Employer-provided educational assistance  (tax free) $5,000     Early distribution from IRA (includes $500 taxable earnings) 3,200           Before Erin can determine if she must pay the 10% additional tax on her IRA distribution, she must reduce her total qualified education expenses. How to fill out 1040ez form   Total qualified education expenses $5,800     Minus: Tax-free educational assistance −5,000     Equals: Adjusted qualified  education expenses (AQEE) $ 800   Because Erin's AQEE ($800) are more than the taxable portion of her IRA distribution ($500), she does not have to pay the 10% additional tax on any part of this distribution. How to fill out 1040ez form However, she must include the $500 taxable earnings in her gross income subject to income tax. How to fill out 1040ez form Example 2. How to fill out 1040ez form Assume the same facts as in Example 1 , except that Erin deducted some of the contributions to her IRA, so the taxable part of her early distribution is higher by $1,000. How to fill out 1040ez form This must be included in her income subject to income tax. How to fill out 1040ez form The taxable part of Erin's IRA distribution ($1,000) is larger than her $800 AQEE. How to fill out 1040ez form Therefore, she must pay the 10% additional tax on $200, the taxable part of her distribution ($1,000) that is more than her qualified education expenses ($800). How to fill out 1040ez form She does not have to pay the 10% additional tax on the remaining $800 of her taxable distribution. How to fill out 1040ez form Reporting Early Distributions By January 31, 2014, the payer of your IRA distribution should send you Form 1099-R, Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc. How to fill out 1040ez form The information on this form will help you determine how much of your distribution is taxable for income tax purposes and how much is subject to the 10% additional tax. How to fill out 1040ez form If you received an early distribution from your IRA, you must report the taxable earnings on Form 1040, line 15b (Form 1040NR, line 16b). How to fill out 1040ez form Then, if you qualify for an exception for qualified higher education expenses, you must file Form 5329 to show how much, if any, of your early distribution is subject to the 10% additional tax. How to fill out 1040ez form See the Instructions for Form 5329, Part I, for help in completing the form and entering the results on Form 1040 or 1040NR. How to fill out 1040ez form There are many other situations in which Form 5329 is required. How to fill out 1040ez form If, during 2013, you had other distributions from IRAs or qualified retirement plans, or have made excess contributions to certain tax-favored accounts, see the instructions for line 58 (Form 1040) or line 56 (Form 1040NR) to determine if you must file Form 5329. How to fill out 1040ez form Prev  Up  Next   Home   More Online Publications