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Old 03-21-2015, 06:37 PM   #4051
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SS and filing

I have been trained to do taxes for low income and the elderly people through an AARP/IRS program.
In the chart for who must file,if your gross income EXCLUDING Social Security is less than $11,700 and you are over 65, you do not have to file.
As an example, if your income from other sources is $10,000, and your SS is $25,000, your total income may be $35,000, but you do not have to file.
BUT, if your income is $15,000 from other sources and $20000 from SS, you have to file for the same $35000 income
Confusing???
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Old 03-21-2015, 06:44 PM   #4052
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More confusing than dealing with Medicare...both sides of Medicare.
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Old 03-21-2015, 07:05 PM   #4053
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Originally Posted by Cheryl J View Post
If they have retirement income and nest eggs, that's a whole 'nuther story then. I thought you were referring to strictly SS income.
What really gets me is that I am the last person you want to ask for financial information. Even with a calculator, I am so mathematically impaired, I try to give the exact change all the time so I won't have to make sure I got the right amount back from a one dollar bill. But I keep the book we get every year from SS just so I can show it to someone when they have a question. I think I have read that book forward and backward. PF, I feel sorry for you having to deal with Medicare every day. I only go through this March and April. But at least I can rest my head easily at night.
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Old 03-21-2015, 07:15 PM   #4054
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Quote:
Originally Posted by Souschef View Post
I have been trained to do taxes for low income and the elderly people through an AARP/IRS program.
In the chart for who must file,if your gross income EXCLUDING Social Security is less than $11,700 and you are over 65, you do not have to file.
As an example, if your income from other sources is $10,000, and your SS is $25,000, your total income may be $35,000, but you do not have to file.
BUT, if your income is $15,000 from other sources and $20000 from SS, you have to file for the same $35000 income
Confusing???
Thank you so much, Souschef!
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Old 03-21-2015, 07:53 PM   #4055
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Originally Posted by Addie View Post
What really gets me is that I am the last person you want to ask for financial information. Even with a calculator, I am so mathematically impaired, I try to give the exact change all the time so I won't have to make sure I got the right amount back from a one dollar bill. But I keep the book we get every year from SS just so I can show it to someone when they have a question. I think I have read that book forward and backward. PF, I feel sorry for you having to deal with Medicare every day. I only go through this March and April. But at least I can rest my head easily at night.
Heh! My Medicare Book at work is over 1200 pages. The PDF file for it is here towards the bottom of the page: MDS 3.0 RAI Manual - Centers for Medicare & Medicaid Services

Over 1000 Kb on the PDF file.
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Old 03-21-2015, 10:42 PM   #4056
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Addie, in our little town of 29,000 taxes for the elderly and low income are done here for free, thanks to good people who volunteer like the SousChef during tax season.

Surely Boston has a program? You would do well with your neighbors to direct them to experts with their taxes.
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Old 03-22-2015, 01:52 AM   #4057
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Garbage, taxes, and checks - oh my!

~ We live more rural, in a town just over 11,000 residents. Each household is responsible for "hiring" their own trash hauler. We've always had our trash picked up every-other week since we moved here because it costs less. Even then we barely generate half a wheel cart (about 95 gallons big) of trash. Most times our separate recycling cart, same size, goes out once a month or every six weeks. We pay around $55 a quarter for our service. Our recycling earns us points for a program called "Recycle Bank", which we can redeem for goods, services, coupons and magazine subscriptions. When we have used it toward a restaurant reward we laugh about eating our garbage.

~ We've never had the bank hold money for our real estate taxes because we have always paid on our own. When we build our first house we put 30% down (we aren't rich, just really hard workers who save money because we are cheap thrifty) and so were deemed responsible enough to pay taxes and insurance on our own. It's always been that way for us. And like many of you, I write checks out for any business that charges me a fee for the privilege of paying online. Our credit union charges a monthly fee for enabling online payments, so we use the utility/retail business/etc's in-house auto-pay, charging everything to our Discover card...which we pay in full every month online directly to them. We basically write checks for National Grid (those people want to know everything before you can set up auto-pay...too danged invasive for their own needs) and any bills the town sends (water/sewer, real estate taxes, annual personal property tax). Since town hall is right on my way to the library, which I'm at several times a month, it's not a big deal to pull into their parking lot on my way to the library.

~ Himself is in charge of filing income tax around here. Always waits till the last couple of weeks. I wish he'd get on it for this year though. Since we paid for my health insurance all year but our only income was one month of his social security in December, and a couple hundred dollars of interest from savings/checking accounts, I'm expecting a nice refund. Our shiny, new ACA* promised assistance based on income. We'll see.

*Affordable Care Act
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Old 03-22-2015, 01:54 AM   #4058
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Kayelle, my Aunt had been a bookkeeper all her life. When she retired she became active in AARP and did that too. That was in suburban Cleveland. Our suburb probably had about 25,000 residents then, but I know some of the members would go elsewhere - probably also to neighborhoods in Cleveland, since we were contiguous to it.
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Old 03-22-2015, 07:00 AM   #4059
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Quote:
Originally Posted by Souschef View Post
I have been trained to do taxes for low income and the elderly people through an AARP/IRS program.
In the chart for who must file,if your gross income EXCLUDING Social Security is less than $11,700 and you are over 65, you do not have to file.
As an example, if your income from other sources is $10,000, and your SS is $25,000, your total income may be $35,000, but you do not have to file.
BUT, if your income is $15,000 from other sources and $20000 from SS, you have to file for the same $35000 income
Confusing???
Thank you. And these residents think I have all the answers. "Calgon, take me away!"
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Old 03-22-2015, 07:15 AM   #4060
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CG, in Massachusetts, if your financial institution has a Massachusetts Charter, they cannot by law charge those who are 65 and older or under 18 any fees.

A number of years ago a young boy was putting his money in the bank to save up for a bike. He delivered newspapers. When he had enough he went to withdraw it and the account was empty. The bank had eaten it all up with stupid fees. His plight made the news and there was a very loud cry of foul everywhere. The bank was getting some very bad publicity and people and businesses were closing their accounts. That bank had a run on it. They decided to return all of the money to the boys account. Beacon Hill wasn't to happy either and passed the law unanimously.

I have my account with a Federal CU. But they don't charge me any fees. And never have. If I make a withdrawal at a foreign bank, they take that charge off and put the fee back into my account.
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