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2013 1040 Ez Form2013 1040 ez form Publication 721 - Introductory Material Table of Contents Reminders IntroductionOrdering forms and publications. 2013 1040 ez form Tax questions. 2013 1040 ez form Useful Items - You may want to see: Reminders Future developments. 2013 1040 ez form For the latest information about developments related to Publication 721, such as legislation enacted after it was published, go to www. 2013 1040 ez form IRS. 2013 1040 ez form gov/pub721. 2013 1040 ez form Phased retirement. 2013 1040 ez form The new phased retirement program was signed into law by the Moving Ahead for Progress in the 21st Century Act and will be available for retirement eligible individuals once the regulations for this program are effective. 2013 1040 ez form This new program will allow eligible employees to begin receiving annuity payments while working part-time. 2013 1040 ez form For more information, go to the Office of Personnel Management (OPM) website at www. 2013 1040 ez form opm. 2013 1040 ez form gov. 2013 1040 ez form Roth Thrift Savings Plan (TSP) balance. 2013 1040 ez form You may be able to contribute to a designated Roth account through the TSP known as the Roth TSP. 2013 1040 ez form Roth TSP contributions are after-tax contributions, subject to the same contribution limits as the traditional TSP. 2013 1040 ez form Qualified distributions from a Roth TSP are not included in your income. 2013 1040 ez form See Thrift Savings Plan in Part II for more information. 2013 1040 ez form Rollovers. 2013 1040 ez form You can roll over certain amounts from the CSRS, FERS, or TSP, to a tax-sheltered annuity plan (403(b) plan) or a state or local government section 457 deferred compensation plan. 2013 1040 ez form See Rollover Rules in Part II. 2013 1040 ez form Rollovers by surviving spouse. 2013 1040 ez form You may be able to roll over a distribution you receive as the surviving spouse of a deceased employee or retiree into a qualified retirement plan or an IRA. 2013 1040 ez form See Rollover Rules in Part II. 2013 1040 ez form Thrift Savings Plan (TSP) beneficiary participant accounts. 2013 1040 ez form If you are the spouse beneficiary of a decedent's TSP account, you have the option of leaving the death benefit payment in a TSP account in your own name (a beneficiary participant account). 2013 1040 ez form The amounts in the beneficiary participant account are neither taxable or reportable until you choose to make a withdrawal, or otherwise receive a distribution from the account. 2013 1040 ez form Benefits for public safety officer's survivors. 2013 1040 ez form A survivor annuity received by the spouse, former spouse, or child of a public safety officer killed in the line of duty generally will be excluded from the recipient's income. 2013 1040 ez form For more information, see Dependents of public safety officers in Part IV. 2013 1040 ez form Uniformed services Thrift Savings Plan (TSP) accounts. 2013 1040 ez form If you have a uniformed services TSP account, it may include contributions from combat zone pay. 2013 1040 ez form This pay is tax-exempt and contributions attributable to that pay are tax-exempt when they are distributed from the uniformed services TSP account. 2013 1040 ez form However, any earnings on those contributions are subject to tax when they are distributed. 2013 1040 ez form The statement you receive from the TSP will separately state the total amount of your distribution and the amount of your taxable distribution for the year. 2013 1040 ez form If you have both a civilian and a uniformed services TSP account, you should apply the rules discussed in this publication separately to each account. 2013 1040 ez form You can get more information from the TSP website, www. 2013 1040 ez form tsp. 2013 1040 ez form gov, or the TSP Service Office. 2013 1040 ez form Photographs of missing children. 2013 1040 ez form The Internal Revenue Service is a proud partner with the National Center for Missing and Exploited Children. 2013 1040 ez form Photographs of missing children selected by the Center may appear in this publication on pages that would otherwise be blank. 2013 1040 ez form 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. 2013 1040 ez form Introduction This publication explains how the federal income tax rules apply to civil service retirement benefits received by retired federal employees (including those disabled) or their survivors. 2013 1040 ez form These benefits are paid primarily under the Civil Service Retirement System (CSRS) or the Federal Employees' Retirement System (FERS). 2013 1040 ez form Tax rules for annuity benefits. 2013 1040 ez form Part of the annuity benefits you receive is a tax-free recovery of your contributions to the CSRS or FERS. 2013 1040 ez form The rest of your benefits are taxable. 2013 1040 ez form If your annuity starting date is after November 18, 1996, you must use the Simplified Method to figure the taxable and tax-free parts. 2013 1040 ez form If your annuity starting date is before November 19, 1996, you generally could have chosen to use the Simplified Method or the General Rule. 2013 1040 ez form See Part II, Rules for Retirees . 2013 1040 ez form Thrift Savings Plan. 2013 1040 ez form The Thrift Savings Plan (TSP) provides federal employees with the same savings and tax benefits that many private employers offer their employees. 2013 1040 ez form This plan is similar to private sector 401(k) plans. 2013 1040 ez form You can defer tax on part of your pay by having it contributed to your traditional balance in the plan. 2013 1040 ez form The contributions and earnings on them are not taxed until they are distributed to you. 2013 1040 ez form Also the TSP offers a Roth TSP option. 2013 1040 ez form Contributions to this type of balance are after tax and qualified distributions from the account are tax free. 2013 1040 ez form See Thrift Savings Plan in Part II. 2013 1040 ez form Comments and suggestions. 2013 1040 ez form We welcome your comments about this publication and your suggestions for future editions. 2013 1040 ez form You can write to us at the following address: Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. 2013 1040 ez form NW, IR-6526 Washington, DC 20224 We respond to many letters by telephone. 2013 1040 ez form Therefore, it would be helpful if you would include your daytime phone number, including the area code, in your correspondence. 2013 1040 ez form You can send your comments from www. 2013 1040 ez form irs. 2013 1040 ez form gov/formspubs/. 2013 1040 ez form Click on “More Information” and then on “Comment on Tax Forms and Publications”. 2013 1040 ez form 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. 2013 1040 ez form Ordering forms and publications. 2013 1040 ez form Visit www. 2013 1040 ez form irs. 2013 1040 ez form 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. 2013 1040 ez form Internal Revenue Service 1201 N. 2013 1040 ez form Mitsubishi Motorway Bloomington, IL 61705-6613 Tax questions. 2013 1040 ez form If you have a tax question, check the information available on IRS. 2013 1040 ez form gov or call 1-800-829-1040. 2013 1040 ez form We cannot answer tax questions sent to either of the above addresses. 2013 1040 ez form Useful Items - You may want to see: Publication 524 Credit for the Elderly or the Disabled 575 Pension and Annuity Income 590 Individual Retirement Arrangements (IRAs) 939 General Rule for Pensions and Annuities Form (and Instructions) CSA 1099R Statement of Annuity Paid CSF 1099R Statement of Survivor Annuity Paid W-4P Withholding Certificate for Pension or Annuity Payments 1099-R Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc. 2013 1040 ez form 5329 Additional Taxes on Qualified Plans (including IRAs) and Other Tax-Favored Accounts See How To Get Tax Help near the end of this publication for information about getting publications and forms. 2013 1040 ez form Prev Up Next Home More Online Publications
Mortgages for Home Buyers and Homeowners
Find mortgage programs and resources to get and manage a mortgage.
Finding a mortgage is one of the first steps involved in buying a home. The Department of Housing and Urban Development (HUD) is the nation's housing agency. They have a helpful list of 9 steps to buying a home, which includes figuring out how much you can afford, knowing your rights, shopping for a loan, making an offer, getting a home inspection, and much more.
On This Page
Shop for a Loan
One of the first steps you'll take in buying a home is shopping for a loan. Learn about common types of home mortgages. There are many sites that can help you find a housing loan:
- Federal Housing Administration (FHA)
- Veterans Loans
- Energy Efficient Mortgage (EEM)
- Public and Indian Housing
- Rural Americans Housing Assistance
Home Buying Programs
There are many home buying programs to help you:
- Home Buying Programs in Your State – Find state or local government home buying programs in your state.
- Good Neighbor Next Door – If you're a law enforcement officer, pre-kindergarten through 12th grade teacher, or a firefighter/emergency medical technician, this program allows you to become a homeowner. If approved, you'll receive a 50% discount off the list price of a home, on the condition that you commit to live in the property as a sole residence for 36 months.
- Local Public Housing Agency – This program helps public housing residents own a home by converting rent into a mortgage payment.
Use these calculators to estimate your potential mortgage and costs.
Consider refinancing your mortgage if you can get a rate that is at least one percentage point lower than your existing rate and if you plan to keep the new mortgage for several years. Learn more about refinancing your mortgage.
Mortgage Payment Assistance
- Making Home Affordable – The Department of Treasury and HUD can help struggling homeowners get mortgage relief through a variety of programs.
- Housing Counseling Agencies – HUD helps these agencies provide homeowners with free or low-cost advice on home related issues.
- Reverse Mortgages – HUD provides answers to frequently asked questions about reverse mortgages.