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2010 Income Tax Forms

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2010 Income Tax Forms

2010 income tax forms 2. 2010 income tax forms   Maximum Amount Contributable (MAC) Table of Contents Components of Your MAC How Do I Figure My MAC?Elective deferrals only. 2010 income tax forms Nonelective contributions only. 2010 income tax forms Elective deferrals and nonelective contributions. 2010 income tax forms 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). 2010 income tax forms This chapter: Introduces the components of your MAC, Tells you how to figure your MAC, and Tells you when to figure your MAC. 2010 income tax forms Components of Your MAC Generally, before you can determine your MAC, you must first figure the components of your MAC. 2010 income tax forms The components of your MAC are: The limit on annual additions (chapter 3), and The limit on elective deferrals (chapter 4). 2010 income tax forms 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. 2010 income tax forms Depending upon the type of contributions made to your 403(b) account, only one of the limits may apply to you. 2010 income tax forms Which limit applies. 2010 income tax forms   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. 2010 income tax forms Elective deferrals only. 2010 income tax forms   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. 2010 income tax forms Your MAC is the lesser of the two limits. 2010 income tax forms Nonelective contributions only. 2010 income tax forms   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. 2010 income tax forms Your MAC is the limit on annual additions. 2010 income tax forms Elective deferrals and nonelective contributions. 2010 income tax forms   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. 2010 income tax forms Your MAC is the limit on the annual additions. 2010 income tax forms   You need to figure the limit on elective deferrals to determine if you have excess elective deferrals, which are explained in chapter 7. 2010 income tax forms Worksheets. 2010 income tax forms   Worksheets are available in chapter 9 to help you figure your MAC. 2010 income tax forms When Should I Figure My MAC? At the beginning of 2014, you should refigure your 2013 MAC based on your actual compensation for 2013. 2010 income tax forms 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. 2010 income tax forms In some cases, this will allow you to avoid penalties and additional taxes. 2010 income tax forms See chapter 7. 2010 income tax forms Generally, you should figure your MAC for the current year at the beginning of each tax year using a conservative estimate of your compensation. 2010 income tax forms If your compensation changes during the year, you should refigure your MAC based on a revised conservative estimate. 2010 income tax forms 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. 2010 income tax forms Prev  Up  Next   Home   More Online Publications
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Choosing a Credit Counseling Agency

Counseling services are available to help people budget money and pay bills. Credit unions, Cooperative Extension offices, military family service centers and religious organizations are among those that may offer free or low-cost credit counseling.

Local, nonprofit agencies that provide educational programs on money management and help in developing debt payment plans operate under the name Consumer Credit Counseling Service (CCCS). Make certain that the agency is accredited by the Council on Accreditation, (COA), or the International Organization for Standardization (ISO). The counselor should also be certified by the National Foundation for Credit Counseling (NFCC), an organization that supports a national network of credit counselors.

Typically, a counseling service will negotiate lower payments with your creditors, then make the payments using money you send to it each month. The cost of setting up this debt-management plan is paid by the creditor, not you. Ask these questions to find the best counselor for you:

  • What services do you offer? Look for an organization that offers budget counseling and money management classes as well as a debt-management plan.
  • Do you offer free information? Avoid organizations that charge for information or make you provide a lot of details about your problem first.
  • What are your fees? Are there set-up and/or monthly fees? A typical set-up fee is $10. Beware of agencies that charge large up-front fees.
  • How will the debt management plan work? What debts can be included in the plan and will you get regular reports on your accounts?
  • Ask whether the counselor can get creditors to lower or eliminate interest and fees. If the answer is yes, contact your creditors to verify this.
  • Ask what happens if you can't afford to pay. If an organization won't help you because you can't afford to pay, go somewhere else for help.
  • Will your counselor help you avoid future problems? Getting a plan for avoiding future debt is as important as solving the immediate debt problem.
  • Ask for a contract. All verbal promises should be in writing before you pay any money.
  • Are your counselors accredited or certified? Legitimate credit counseling firms are affiliated with the National Foundation for Credit Counseling or the Association of Independent Consumer Credit Counseling Agencies.

Check with your local consumer protection agency and the Better Business Bureau to see if any complaints have been filed about the counseling service you're considering.

If you have concerns about approved credit counseling agencies or credit counseling providers, please contact the U.S. Trustee Program .

The 2010 Income Tax Forms

2010 income tax forms Publication 596 - Introductory Material Table of Contents Future Developments What is the EIC? Can I Claim the EIC? Do I Need This Publication? Do I Have To Have A Child To Qualify For The EIC? How Do I Figure the Amount of EIC? How Can I Quickly Locate Specific information? Is There Help Online? What's New for 2013 Reminders Future Developments For the latest information about developments related to Publication 596, such as legislation enacted after it was published, go to www. 2010 income tax forms irs. 2010 income tax forms gov/pub596. 2010 income tax forms What is the EIC? The earned income credit (EIC) is a tax credit for certain people who work and have earned income under $51,567. 2010 income tax forms A tax credit usually means more money in your pocket. 2010 income tax forms It reduces the amount of tax you owe. 2010 income tax forms The EIC may also give you a refund. 2010 income tax forms Can I Claim the EIC? To claim the EIC, you must meet certain rules. 2010 income tax forms These rules are summarized in Table 1. 2010 income tax forms Table 1. 2010 income tax forms Earned Income Credit in a Nutshell First, you must meet all the rules in this column. 2010 income tax forms Second, you must meet all the rules in one of these columns, whichever applies. 2010 income tax forms Third, you must meet the rule in this column. 2010 income tax forms Chapter 1. 2010 income tax forms  Rules for Everyone Chapter 2. 2010 income tax forms  Rules If You Have a Qualifying Child Chapter 3. 2010 income tax forms  Rules If You Do Not Have a Qualifying Child Chapter 4. 2010 income tax forms  Figuring and Claiming the EIC 1. 2010 income tax forms Your adjusted gross income (AGI) must be less than:  • $46,227 ($51,567 for married filing jointly) if you have three or more qualifying children,  • $43,038 ($48,378 for married filing jointly) if you have two qualifying children,  • $37,870 ($43,210 for married filing jointly) if you have one qualifying child, or   • $14,340 ($19,680 for married filing jointly) if you do not have a qualifying child. 2010 income tax forms 2. 2010 income tax forms You must have a valid social security number. 2010 income tax forms   3. 2010 income tax forms Your filing status cannot be Married filing separately. 2010 income tax forms   4. 2010 income tax forms You must be a U. 2010 income tax forms S. 2010 income tax forms citizen or resident alien all year. 2010 income tax forms   5. 2010 income tax forms You cannot file Form 2555 or Form 2555-EZ (relating to foreign earned income). 2010 income tax forms   6. 2010 income tax forms Your investment income must be $3,300 or less. 2010 income tax forms    7. 2010 income tax forms You must have earned income. 2010 income tax forms 8. 2010 income tax forms Your child must meet the relationship, age, residency, and joint return tests. 2010 income tax forms   9. 2010 income tax forms Your qualifying child cannot be used by more than one person to claim the EIC. 2010 income tax forms   10. 2010 income tax forms You cannot be a qualifying child of another person. 2010 income tax forms 11. 2010 income tax forms You must be at least age 25 but under age 65. 2010 income tax forms    12. 2010 income tax forms You cannot be the dependent of another person. 2010 income tax forms   13. 2010 income tax forms You cannot be a qualifying child of another person. 2010 income tax forms   14. 2010 income tax forms You must have lived in the United States more than half of the year. 2010 income tax forms 15. 2010 income tax forms Your earned income must be less than:  • $46,227 ($51,567 for married filing jointly) if you have three or more qualifying children,  • $43,038 ($48,378 for married filing jointly) if you have two qualifying children,  • $37,870 ($43,210 for married filing jointly) if you have one qualifying child, or  • $14,340 ($19,680 for married filing jointly) if you do not have a qualifying child. 2010 income tax forms Do I Need This Publication? Certain people who file Form 1040 must use Worksheet 1 in this publication, instead of Step 2 in their Form 1040 instructions, when they are checking whether they can take the EIC. 2010 income tax forms You are one of those people if any of the following statements are true for 2013. 2010 income tax forms You are filing Schedule E (Form 1040). 2010 income tax forms You are reporting income from the rental of personal property not used in a trade or business. 2010 income tax forms You are reporting income on Form 1040, line 21, from Form 8814 (relating to election to report child's interest and dividends). 2010 income tax forms You are reporting an amount on Form 1040, line 13, that includes an amount from Form 4797. 2010 income tax forms If none of the statements above apply to you, your tax form instructions have all the information you need to find out if you can claim the EIC and to figure the amount of your EIC. 2010 income tax forms You do not need this publication. 2010 income tax forms But you can read it to find out whether you can take the EIC and to learn more about the EIC. 2010 income tax forms Do I Have To Have A Child To Qualify For The EIC? No, you can qualify for the EIC without a qualifying child if you are at least age 25 but under age 65 and your earned income is less than $14,340 ($19,680 if married filing jointly). 2010 income tax forms See chapter 3. 2010 income tax forms How Do I Figure the Amount of EIC? If you can claim the EIC, you can either have the IRS figure the amount of your credit, or you can figure it yourself. 2010 income tax forms To figure it yourself, you can complete a worksheet in the instructions for the form you file. 2010 income tax forms To find out how to have the IRS figure it for you, see chapter 4. 2010 income tax forms How Can I Quickly Locate Specific information? You can use the index to look up specific information. 2010 income tax forms In most cases, index entries will point you to headings, tables, or a worksheet. 2010 income tax forms Is There Help Online? Yes. 2010 income tax forms You can use the EITC Assistant at www. 2010 income tax forms irs. 2010 income tax forms gov/eitc to find out if you may be eligible for the credit. 2010 income tax forms The EITC Assistant is available in English and Spanish. 2010 income tax forms What's New for 2013 Earned income amount is more. 2010 income tax forms The maximum amount of income you can earn and still get the credit has increased. 2010 income tax forms You may be able to take the credit if: You have three or more qualifying children and you earned less than $46,227 ($51,567 if married filing jointly), You have two qualifying children and you earned less than $43,038 ($48,378 if married filing jointly), You have one qualifying child and you earned less than $37,870 ($43,210 if married filing jointly), or You do not have a qualifying child and you earned less than $14,340 ($19,680 if married filing jointly). 2010 income tax forms Your adjusted gross income also must be less than the amount in the above list that applies to you. 2010 income tax forms For details, see Rules 1 and 15. 2010 income tax forms Investment income amount is more. 2010 income tax forms The maximum amount of investment income you can have and still get the credit has increased to $3,300. 2010 income tax forms See Rule 6—Your Investment Income Must Be $3,300 or Less . 2010 income tax forms Reminders Increased EIC on certain joint returns. 2010 income tax forms . 2010 income tax forms  A married person filing a joint return may get more EIC than someone with the same income but a different filing status. 2010 income tax forms As a result, the EIC table has different columns for married persons filing jointly than for everyone else. 2010 income tax forms When you look up your EIC in the EIC Table, be sure to use the correct column for your filing status and the number of children you have. 2010 income tax forms Earned income credit has no effect on certain welfare benefits. 2010 income tax forms  Any refund you receive because of the EIC cannot be counted as income when determining whether you or anyone else is eligible for benefits or assistance, or how much you or anyone else can receive, under any federal program or under any state or local program financed in whole or in part with federal funds. 2010 income tax forms These programs include the following. 2010 income tax forms Temporary Assistance for Needy Families (TANF). 2010 income tax forms Medicaid. 2010 income tax forms Supplemental security income (SSI). 2010 income tax forms Supplemental Nutrition Assistance Program (food stamps). 2010 income tax forms Low-income housing. 2010 income tax forms In addition, when determining eligibility, the refund cannot be counted as a resource for at least 12 months after you receive it. 2010 income tax forms Check with your local benefit coordinator to find out if your refund will affect your benefits. 2010 income tax forms Do not overlook your state credit. 2010 income tax forms  If you can claim the EIC on your federal income tax return, you may be able to take a similar credit on your state or local income tax return. 2010 income tax forms For a list of states that offer a state EIC, go to www. 2010 income tax forms irs. 2010 income tax forms gov/eitc. 2010 income tax forms EIC questioned by IRS. 2010 income tax forms  The IRS may ask you to provide documents to prove you are entitled to claim the EIC. 2010 income tax forms We will tell you what documents to send us. 2010 income tax forms These may include: birth certificates, school records, etc. 2010 income tax forms The process of establishing your eligibility will delay your refund. 2010 income tax forms Spanish version of Publication 596. 2010 income tax forms  You can order Publicación 596SP, Crédito por Ingreso del Trabajo, from the IRS. 2010 income tax forms It is a Spanish translation of Publication 596. 2010 income tax forms See How To Get Tax Help to find out how to order this and other IRS forms and publications. 2010 income tax forms Photographs of missing children. 2010 income tax forms  The Internal Revenue Service is a proud partner with the National Center for Missing and Exploited Children. 2010 income tax forms Photographs of missing children selected by the Center may appear in this publication on pages that would otherwise be blank. 2010 income tax forms 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. 2010 income tax forms Comments and suggestions. 2010 income tax forms  We welcome your comments about this publication and your suggestions for future editions. 2010 income tax forms You can write to us at the following address:  Internal Revenue Service Individual Forms and Publications Branch 1111 Constitution Ave. 2010 income tax forms NW, IR-6526 Washington, DC 20224 We respond to many letters by telephone. 2010 income tax forms Therefore, it would be helpful if you would include your daytime phone number, including the area code, in your correspondence. 2010 income tax forms You can send your comments from www. 2010 income tax forms irs. 2010 income tax forms gov/formspubs/. 2010 income tax forms Click on “More Information” and then on “Comment on Tax Forms and Publications. 2010 income tax forms ” 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. 2010 income tax forms Ordering forms and publications. 2010 income tax forms  Visit www. 2010 income tax forms irs. 2010 income tax forms 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. 2010 income tax forms  Internal Revenue Service 1201 N. 2010 income tax forms Mitsubishi Motorway Bloomington, IL 61705-6613 Tax questions. 2010 income tax forms  If you have a tax question, check the information available on IRS. 2010 income tax forms gov or call 1-800-829-1040. 2010 income tax forms We cannot answer tax questions sent to either of the above addresses. 2010 income tax forms Prev  Up  Next   Home   More Online Publications