Page 14 THE EVERETT ADVOCATE – FRiDAy, MAy 1, 2026 A Few Words On The Taxation Of Social Security Benefits I f your only source of income is social security benefits, none of your social security benefits will be taxable. However, if you have other sources of income, the amount of your social security benefits that will be taxable will depend upon your provisional income (PI). PI equals the total of (1) tax-exempt interest, (2) 50% of your social security benefits and (3) other income items that comprise your adjusted gross income, less certain deductions and exclusions. For a single taxpayer, if PI is less than $25,000, then the social security benefits are fully tax-free; if PI is between $25,000 and $34,000, then up to 50% of the benefits are taxable. If PI is over $34,000, then up to 85% of the benefits are subject to tax. For a married couple filing a joint tax return, if PI is less than $32,000, then the social security benefits are fully tax free; if PI is between $32,000 and $44,000, then up to 50% of the benefits are taxable; if PI is over $44,000, then up to 85% of the benefits are subject to tax. Your PI will include taxable interest, dividends, capital gain income, W-2 income, net rental real estate income, unemployment income, IRA distributions, pension income, gambling income, etc. Therefore, for many taxpayers, much of their social security income then becomes taxable. The question then becomes how much is taxable? As part of the tax return preparation process, a tax software program will automatically perform the calculation to arrive at the answer. ~ Everett Public Libraries Calendar of Events ~ May 4–9 Poetry Awards Ceremony: Parlin Meeting Room, May 7 at 6 p.m. Join us as we recognize the accomplishments of our local poets. Youth, Teen and Adult Finalists will read their poems, winners will be announced, and prizes will be awarded. Come enjoy free refreshments and a community celebration of poetry that is sure to be one for the books! All prizes have been generously provided by the Kiwanis Club of Everett. Parlin Adult and Teens Gaming Club: Parlin YA The Big Beautiful Bill provides for a $6,000 deduction for a single person 65 years of age or older. A married couple filing a joint return where each taxpayer is at least age 65 will be entitled to a $12,000 deduction. This is the so-called “no tax on social security” deduction. The deduction begins to be phased out for a single taxpayer and a taxpayer filing as head of household once modified adjusted gross income (MAGI) reaches $75,000 and is completely phased out once MAGI reaches $175,000. For a joint tax return, the deduction begins to be phased out once MAGI reaches $150,000 and is completely phased out once MAGI reaches $250,000. This deduction is available whether you take the standard deduction or you itemize your deductions. Eliminating income taxes on social security would simply have been too costly for our federal government. Such a bill was never going to pass. The $6,000 deduction has helped reduce income taxes for many Americans for the 2025 tax year. The deduction is good until 2028. Joseph D. Cataldo is an estate planning/elder law attorney, Certified Public Accountant, Certified Financial Planner, AICPA Personal Financial Specialist and holds a masters degree in taxation. Advocate Online: www.advocatenews.net Room, Tuesdays and Thursdays at 3 p.m. Join us for board games and video games at the library! Bring your own or play what we have here — for ages 12 and up. Yarn Club: Parlin Fresco Room, Tuesdays at 7 p.m. Come chitchat and stitch! Bring your crocheting, knitting or any other yarn craft and sit and socialize with other members of the crafting community. Recommended for ages 14-109! The first Tuesday of every month is Beginner Crochet Day, where we will be making a new beginner-friendly crochet project each month. Yarn and crochet tools will be provided by the library, so just bring yourself and get ready to make something new! Silent Book Club Everett: Parlin Fresco Room, Saturday, May 9, from 12-2 p.m. Join our unique book club where we enjoy quiet reading at the Parlin Memorial Library. Settle into our cozy couches with a book and enjoy an hour or two of uninterrupted reading alongside fellow book lovers. No pressure, no assigned reading — perfect for those seeking a peaceful escape or motivation to turn the next page. All are welcome! Parlin Children’s Grab and Go Crafts: Stop by the Parlin Children’s Room on Monday, May 4, for a special Mother’s Day Grab and Go craft — a self-directed arts and crafts program for children ages three to seven. Crafts can be taken home or crafted with a friend or caregiver at our children’s tables. No registration required, while supplies last. Lego Club: Parlin Children’s Room, Mondays from 3-5 p.m. welcoming environment. Stay engaged and connect with your peers! No registration required. This event is open to ages 55109! Games are generously supplied by the Council on Aging. Ready Player One Games: Come to the Children’s Room after school on Mondays for some free Lego building fun. Open to all ages; children seven and under must be accompanied by an adult. Storytime and Sing-along with Karen: Parlin Children’s Room, Wednesdays at 11 a.m. Join us for a fun-filled morning of singing and storytelling with Karen! Suggested ages: newborn to six. Creative Drama Class: Parlin Children’s Room, Wednesdays at 3 p.m. Do you have a drama queen or king at home? Drama Class in the Parlin Children’s Department is the perfect opportunity for your child to put those acting skills to use with our drama coach! Suggested ages: six to 14. Story Time Adventures with Mrs. McAuliffe: Parlin Craft Room, Fridays at 11 a.m. Join Mrs. McAuliffe for our enchanting Story Time! You will be whisked away on magical adventures through the pages of your favorite books. Bring a friend or make a new one in our circle of friends. Recommended for children six and under. Seed Art & Mosaics: Parlin Children’s Room, Friday, May 8, at 3 p.m. Learn about the importance of seeds and the lifecycle of plants with this creative program from Hands on Nature. Make a whimsical craft out of seeds! Appropriate for children ages four and up; registration required. Origami Club: Parlin Children’s Room, Saturday, May 9, at 12 p.m. Learn how to fold paper animals of all kinds! Open to all ages and abilities. Paper and instruction will be provided. Shute Adult and Teens Golden Minds: Play, Create, Connect: Shute Meeting Room, Monday, May 4, at 10 a.m. Join us for our monthly senior social at the Shute Library! Enjoy books, puzzles, crafts and games with friends in a fun and Shute Meeting Room, Wednesdays at 2:30 p.m. Level up your Wednesdays with our ultimate gaming hangout! Grab your friends and dive into fun Nintendo Switch and PlayStation games; whether you’re racing, battling or teaming up for co-op fun, there’s something for everyone. No registration required; recommended for ages 11 and up. This program will run every Wednesday from 2:30 to 4:30 p.m. unless otherwise noted on our online calendar. Shute Children’s Shute Cinema Presents “LEGO Star Wars: Droid Tales”: May the Fourth be With You! Monday, May 4, at 3 p.m., break out the popcorn and watch it at the Shute Memorial Library. Rated TV-Y7 (appropriate for ages seven and up). Storytime at the Shute: Shute Children’s Room, Mondays at 10 a.m. and Tuesdays at 12 p.m. What’s better than a good story? Sharing it with friends! Join Miss Val at the Shute Library for Fairytale Fun! For Better or Verse — Poetry Club: Shute Memorial Library Meeting Room, every other Tuesday from 5-6:30 p.m. Maybe you love poetry; maybe you’re just curious about it. Maybe you’re looking for a creative outlet and want to meet some other creative people. Whatever your reason, and whatever your knowledge or skill level, come join the Shute Memorial Library’s Poetry Club, “For Better or Verse.” Read, write and share poetry and create some fun art projects that might inspire poetry. Recommended for ages nine to 13. Master Builders: Lego Freeplay: Shute Children’s Room, Thursdays from 3-5 p.m. Freeplay session with Legos and other building blocks. Bring a buddy, or make a new one, as you explore your imagination brick by brick! We provide the space and the materials to let your vision take shape. What will you create?
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