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Will My Cash-Balance Payments Affect My Social Security payments?
Social security can become taxable if a person has a certain level of income in retirement. Retirement income from pensions or 401(k)s and other taxable sources will contribute to the AGI of a person in retirement, but it will not ever disqualify a person from receiving their social security check in retirement if it is owed to them.
Instead, social security benefits become taxable as income if a person has enough income in retirement to trigger the social security taxes. The level is actually quite low, and has not been adjusted for inflation recently.
Half of a person’s household social security income will be added to the taxable income from other sources, and for those whose income using that formula is over $44,000, up to 85% of their social security income becomes taxable. Roth IRAs and life insurance cash value loans are the only sources of income that are not included in this calculation of income.
Notably, tax-free muni bond income is included. Considering the amount that many people have paid-in to social security over the years, this tax treatment can be an unpleasant surprise for many Americans.
How Does My Retirement Age Impact My Social Security Benefits?
When Will Social Security Go Bankrupt?
Are Social Security Benefits Taxed?
Is there a Benefit to Self-Managing?
An investor may be able to save money in management fees self-managing, but there are also limitations and risks
What is Mortgage Fraud?
Mortgage fraud is misrepresentation in mortgage contracts designed to benefit one or more parties to the contract
What is Mortgage Modification?
Mortgage modifications are arrangements agreed to by the lender that are outside of the contractual mortgage agreement
How Do You Sell Bitcoin?
There are several (and a growing number) of ways to sell your bitcoin and/or convert it to cash
What is the Difference Between Litecoin and Bitcoin?
Litecoin is very similar to bitcoin, but there are some distinct differences
What is the Advance/Decline Divergence Oscillator?
The advance/decline divergence oscillator tracks the rate of change in the advance-decline line. McClellan Oscillator
What is Account Activity?
Account activity is any credit or debit activity in a checking or savings account, or dividends in an investment account
What is Credit Counseling?
Credit counselors can negotiate debt management strategies with lenders on behalf of individuals with debt problems
What is Turnover Ratio?
Turnover ratio is a term that can be used in reference to the rate at which a company goes through its physical inventory
What was the “Tulip” Bubble?
Markets have been around for much longer than most people think. The Tulip bubble happened in the 1500's!