(937) 268-9004

Many Americans who fall into the low income brackets find it hard to save for retirement.

I came across an article letting the lower income Americans a credit when saving for retirement.

There is a Saver’s Credit available to them when contributing to a 401(k) or IRA on their income tax return.

Besides saving for retirement the added benefit of receiving a higher income tax refund or lowering the amount of tax owed to the IRS is an added incentive to save for your future.

“Low income workers who save for retirement using a 401(k) or IRA can earn a tax credit worth up to $1,000 for individuals and $2,000 for couples in 2011 and future years.

The saver’s credit can be claimed by workers whose modified adjusted gross incomes are up to $28,250 for singles, $42,375 for heads of households, and $56,500 for married couples in 2011.”

Source Yahoo Finance – How to Get the Saver’s Credit

IRA contribution limits are $5000 and $6000 for those 50 and older are in effect for 2012.

The 401(k) contribution limit is $16500.  It will increase to $17000 in 2012.

The adjusted gross income limit for 2011:

Single $28,250

Head of Household $42,375

Married $56,500

The adjusted gross income limit in 2012 will increase:

Single $28,750

Head of Household $43,125

Married $57,500

The first $2000 contributed to your 401(k) or IRA will go toward the saver’s credit.

The credit amount may vary depending on other deductions that the tax payer is using and could even be zero.

You must check with your tax professional to see if you’re eligible to receive the credit.

Remember that credit for 401(k) contributions end on December 31, 2011.  You can make contributions into your IRA until April 17, 2012 for the 2011 year.

Saving for your retirement pays off in many ways.

Your Tax Coach,

Paulette Marshall

 

 

 

 

 

cialis samples overnight levitra coupon cialis patent expiration 2017 side effects of tamoxifen ciprofloxacin hydrochloride daily cialis cialis or viagra lexapro and weight gain cialis on line finasteride 5 mg azithromycin and alcohol cost of cialis what is finasteride used for lowest cialis prices cialis prices cialis 20 mg ciprofloxacin drops azithromycin z pak viagra pill viagra viagra coupons what is lexapro for what is tamoxifen how to get off lexapro cialis generic availability what is tamoxifen used for side effects of viagra what works better than viagra buying viagra acyclovir 800mg azithromycin 500 mg cialis 30 day trial coupon is azithromycin penicillin ciprofloxacin uses viagra uk acyclovir ointment lexapro reviews ciprofloxacin hcl acyclovir ointment 5 cipro 500 how long does viagra last azithromycin 5 day dose pack escitalopram lexapro withdrawal escitalopram 20 mg acyclovir cream side effects of azithromycin 250 mg azithromycin 250 levitra 20 mg precio farmacia what bacteria does ciprofloxacin kill azithromycine ciprofloxacin 500 mg for urinary tract infection ciprofloxacin side effects after age 60 viagra 100mg tablets retail price levitra online cialis pills ciprofloxacin 500mg antibiotics side effects viagra tablets levitra vs viagra lexapro para que sirve revatio vs viagra escitalopram 10 mg para que sirve cialis patent expiration how to wean off lexapro without withdrawals viagra 100mg ciprofloxacin for dogs escitalopram oxalate what is azithromycin levitra bayer 20mg meilleur prix cialis for sale cialis otc viagra wiki lexapro bula acyclovir side effects discount viagra over the counter viagra escitalopram side effects how to wean off lexapro viagra en ligne livraison 24h generic levitra what is ciprofloxacin common side effects of ciprofloxacin 500 mg tamoxifen therapy lexapro 10mg what does ciprofloxacin 500mg treat viagra receptfritt finasteride side effects in men side effects of lexapro cialis alternative ciprofloxacin spc tamoxifen langzeitfolgen lexapro manufacturer website cialis coupons buy generic viagra cialis for daily use finasteride results what is ciprofloxacin used for how to take cialis ciprofloxacin 500 mg tabletten azithromycin side effects cialis online viagra for sale uk cialis vs viagra cialis dosage is azithromycin cialis generic tadalafil cialis from canada viagra samples finasteride side effects cialis copay card viagra costs cialis cost zithromax antibiotic levitra ciprofloxacin hcl 500 mg tab lexapro dosage viagra single packs effects of stopping lexapro suddenly tamoxifen citrate viagra wikipedia viagra on line cilias what is cipro used for viagra 100 levitra rezeptfrei deutschland herbal viagra viagra vs cialis utilisation viagra cialis dosage strengths buy cialis online azithromycin 250mg tablets 6 pack azithromycine eg 500 mg bijsluiter lexapro coupons azithromycin tablet escitalopram effets secondaires finasteride long term effects tamoxifen side effects in women cialis cheap ciprofloxacin 500mg tablets acyclovir 800 mg acyclovir azithromycin tablets azithromycin 500mg side effects of finasteride generic cialis what is acyclovir canada viagra azithromycin pediatric dosing viagra vs cialis vs levitra propecia side effects finasteride medication tamoxifen and bone pain pfizer viagra coupons from pfizer what is acyclovir used for ciprofloxacin 500mg what is cipro usually prescribed for zithromax 500 mg what does ciprofloxacin treat cialis daily ciprofloxacin bnf ciprofloxacin 500 viagra pillen kruidvat side effects of acyclovir azithromycin uses online viagra levitra 20mg cost per pill how does acyclovir work cialis without a doctor’s prescription lexapro 20mg cialis discount zovirax dosage zithromax z-pak cipro and tendonitis tamoxifen side effects in women over 55 is lexapro a controlled substance lexapro vs zoloft cialis patent expiration date extended acyclovir for cold sores wholesale cialis acyclovir vs valacyclovir cialis 20mg directions buy levitra online ciprofloxacin dosage cialis 5mg discount cialis zoloft vs lexapro zovirax tamoxifen and foods to avoid cialis pricing finasteride hair loss lexapro generic levitra 10 mg prezzo levitra 20 mg cost walmart azithromycin coverage viagra generico generic for lexapro finasteride efectos secundarios cialis vs viagra what infections does ciprofloxacin treat cialis medication zovirax cream best price viagra is ciprofloxacin a penicillin lexapro overdose buy viagra online erectile dysfunction cialis wellbutrin and lexapro pfizer viagra cialis free trial azithromycin three times a week viagra side effects lexapro side effects men azithromycin pregnancy cialis coupons 2017 viagra generic ciprofloxacin eye drops cialis coupon canadian cialis women viagra canada cialis azithromycine 250 mg cialis website tamoxifen first few days on lexapro zovirax for cold sores tamoxifen nebenwirkungen ciprofloxacin hcl 500 mg side effects what does finasteride do side effects of finasteride 5mg how does viagra work cialis tadalafil sophia viagra azithromycin for strep throat cialis effects cealis viagra 100 mg lexapro vs celexa viagra alternatives finasteride dosage ciprofloxacin 500 mg zithromax levitra generic viagra for sale cialis canada order viagra viagra canada lexapro and weight loss cheap viagra viagra effects how does lexapro work cialis 5 mg ciprofloxacin dose what is cipro azithromycin medscape lexapro withdrawal symptoms what is finasteride nolvadex azithromycin for pneumonia generic viagra generic viagra 100mg cialis for men stopping lexapro finasteride 1mg viagra coupon viagra vs cialis vs levitra lexapro 10 mg cheap levitra azithromycin vs erythromycin what does viagra do viagra sex azithromycin pregnancy category ciprofloxacin side effects in women viagra tesco side effects of azithromycin what is lexapro antibiotic ciprofloxacin viagra natural cialis price viamedic cialis online cialis side effects of lexapro 10 mg acyclovir dosage for cold sores viagra medicine what is azithromycin used for finasteride 5mg ciprofloxacin 250 mg viagra tablet viagra price effects of stopping finasteride cialis professional ciprofloxacin dosierung cialis voucher weaning off lexapro zithromax dosage levitra prices zovirax pills thuoc azithromycin generic cialis at walmart escitalopram nebenwirkungen zovirax ointment cipro drug class finasteride for hair loss acyclovir medication viagra cialis viagra alternative viagra from canada azithromycin eye drops ciprofloxacin drug class azithromycin vardenafil 20mg ciprofloxacin hcl 500 mg cialis coupon 20 mg 200 cialis coupon when will cialis go generic lexapro side effects in women cialis samples tamoxifen and weight gain cialis for women cialis canadian pharmacy generic for cialis viagra without a doctor prescription cipro generic lexapro cost of viagra azithromycin liquid cialis 30 day sample side effects of ciprofloxacin cialis pills for sale how to use viagra what is viagra lexapro dosages viagra ohne rezept aus deutschland lexapro side effects ciprofloxacin coverage what is cialis levitra 20 mg cialis coupon print viagra bestellen viagra ohne rezept auf rechnung ciprofloxacin used for celexa vs lexapro cipro antibiotics how long for lexapro to work what is azithromycin for lexapro 5mg canadian viagra cialis for bph acyclovir 800 mg 5 times a day cialis 20mg female viagra cipro antibiotic viagra kaufen azithromycin 500 erfahrungen lexapro dosing viagra sans ordonnance acyclovir 200mg what is ciprofloxacin prescribed for is tamoxifen chemotherapy ciprofloxacin nebenwirkungen ciprofloxacin 250mg viagra 50mg cialis sample cialis savings card what is acyclovir for viagra without a doctor prescription usa levitra prezzo in farmacia equipe argentine viagra finasteride for women side effects of lexapro in women escitalopram 10 mg levitra coupons buy generic levitra propecia azithromycin drug class finasteride 5mg side effects tamoxifen lawsuits azithromycin class cipro uses free cialis azithromycin dosage ciprofloxacin side effects levitra 20 mg von bayer acyclovir 400mg cialis levitra vs viagra for hardness viagra for women finasteride tablets buy levitra viagra dosage cialis coupons printable azithromycin for uti 9 levitra at walmart viagra soft finasteride 5mg tab sex viagra for women tamoxifen cost azithromycin cost finasteride 5 mg tab levitra vs viagra what is lexapro used for what is escitalopram generic levitra vardenafil 20mg acyclovir 400 mg cialis dosage recommendations buy viagra viagra prices liquid cialis lexapro side effects of ciprofloxacin 500 mg ciprofloxacin class cyalis finasteride permanent side effects tamoxifen side effects cheap cialis cipro dangers cialis reviews ciprofloxacin hydrochloride ophthalmic natural viagra lexapro medication viagra for men buy cialis side effects of cialis cialis side effects tamoxifen bijwerkingen lexapro weight gain finasteride 5mg side effects mayo clinic lexapro for anxiety cipro side effects free viagra lexapro benefits for women acyclovir dosing finasteride vs dutasteride finasteride effets secondaires azithromycin 250 mg vardenafil vs viagra cialis 5mg daily finasteride reviews cipro for uti cialis pharmacy prices ciprofloxacin ophthalmic solution levitra 20mg viagra vs cialis ciprofloxacin 500mg antibiotics lexapro and wellbutrin combination therapy ciprofloxacin where to buy viagra viagra activate azithromycin without a doctor’s prescription levitra dosage cialis trial how does cialis work acyclovir for shingles generic cialis tadalafil lexapro generic name withdrawal from lexapro what does azithromycin treat does lexapro cause weight gain cipro side effects in elderly cialis generic lexapro side effects in men cialas finasteride and enlarged prostate viagra on line no prec azithromycin 500 how much does cialis cost escitalopram 10mg azithromycin 250mg viagra nebenwirkungen viagra cost post finasteride syndrome cialis 10 mg acyclovir 800 mg for shingles lexapro and weight gain in women acyclovir dose levitra without a doctor prescription azithromycin 250 mg treatment tamoxifen interaction viagra substitute lexapro vs wellbutrin side effects lexapro cialis coupons from manufacturer viagra pills how long for azithromycin to take effect viagra online levitra erfahrungen cialis testimonials finasteride price cialis cipro dosage acyclovir dosage