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Javier Mendoza

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Does anyone know if you can have multiple SMLLCs? Im thinking about starting a second business but keeping it separate from my first one. Would I report both on the same Schedule C or have multiple Schedule Cs?

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QuantumQuest

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Yes, you can definitely have multiple SMLLCs as a single individual! This is actually a smart strategy for separating different business activities. You would file a separate Schedule C for each LLC if they are different types of businesses. The key factor is not whether they're separate LLCs, but whether they're separate business activities. For example, if one LLC is for consulting and another is for retail sales, you'd want separate Schedule Cs because they're different business types.

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Sayid Hassan

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Great question! I went through this exact same confusion last year with my SMLLC. Here's what I learned after consulting with a tax professional: For issuing the 1099-NEC: Use your LLC's information (LLC name, EIN, and LLC address) as the payer. Even though it's a disregarded entity for income tax purposes, the LLC is still the legal entity that made the payment to your contractor. For your mixed 1099s: You're absolutely right to report both exactly as issued on your tax return. The one with your SSN goes on Schedule C as normal business income, and the one with your LLC's EIN also goes on Schedule C (same schedule). TurboTax handles this well - just make sure when you enter the LLC's 1099, you indicate it's for the same business activity. One tip that saved me headaches: Keep really good records showing which payments came through which entity. It helps during tax prep and if you ever get questions later. Don't stress too much about being late on the 1099-NEC - as long as you get it filed soon, the penalties aren't usually too severe for first-time issues. The important thing is getting it right going forward!

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Giovanni Conti

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Thanks for this helpful breakdown! I'm also dealing with a similar SMLLC situation and had one follow-up question - when you say to keep good records of which payments came through which entity, what's the best way to organize that? I have some payments that went directly to my personal accounts before I formed the LLC, and others that went to the LLC bank account after formation. Should I be tracking this in a spreadsheet or is there a better system you'd recommend for staying organized with mixed payment sources?

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Malik Davis

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I went through this exact same situation with HSA Bank last year and it's incredibly frustrating that they don't help with the calculation. Here's what I learned: Since your excess contribution happened on December 30th, you're actually in a pretty good position - there's only been 2 days for any gains/losses to accumulate. The fact that the calculator is showing less than your $82.49 excess means your HSA investments had a small loss during those two days. You should definitely withdraw the calculated amount (not just the $82.49). The IRS requires you to remove the excess contribution adjusted for any proportional gains or losses. In your case, the loss actually works in your favor since you'll withdraw slightly less than what you contributed. Make sure to: 1. Request that HSA Bank code this as an "excess contribution removal" on your 1099-SA 2. Complete the withdrawal before you file your 2024 taxes 3. Be prepared for HSA Bank's $25 processing fee Since you haven't filed your 2024 taxes yet, you're well within the deadline and won't need to worry about the 6% excise tax or Form 5329 as long as you handle this promptly.

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Ethan Taylor

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This is really helpful - thank you for laying out all the key steps! Quick question about the timing: since I'm withdrawing in January 2025 but the excess contribution was made in December 2024, will this affect which year the withdrawal gets reported on? I want to make sure I understand how this impacts my tax filings for both years.

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Dylan Hughes

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Great question about the timing! The withdrawal will be reported on a 2025 Form 1099-SA since that's when you're actually taking the distribution. However, since this is an excess contribution removal for your 2024 tax year, you'll need to report it properly on your 2024 tax return. The key is that HSA Bank codes it as an "excess contribution removal" - this tells the IRS that even though the 1099-SA is dated 2025, it's correcting a 2024 contribution issue. You won't owe taxes or penalties on this withdrawal since you're removing an excess contribution (and any associated losses in your case). When you file your 2024 taxes, you'll report your total HSA contributions as $4,150 (the corrected amount after removal) rather than the $4,232.49 you initially contributed. The withdrawal essentially makes it as if you never over-contributed in the first place.

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Cynthia Love

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I just went through this exact same mess with HSA Bank a few months ago - they're absolutely terrible at helping customers with these calculations! The good news is that since your excess happened so late in the year (December 30th), you're dealing with minimal earnings/losses. Here's what you need to know: If the calculator is showing a withdrawal amount less than your $82.49 excess, that means your HSA investments had a small loss during those final two days of the year. This actually works in your favor - you only need to withdraw the calculated amount, not the full excess. The IRS formula is: (Excess Contribution) ร— (Net Income รท Fair Market Value). Since your account value dropped slightly, the "Net Income" part is negative, reducing your required withdrawal. Make sure to: - Request HSA Bank code this as "excess contribution removal" - Get it done before filing your 2024 taxes - Budget for their annoying $25 processing fee Since you're handling this in January and haven't filed yet, you're well within the deadline and won't face the 6% excise tax. The withdrawal will show on a 2025 1099-SA but corrects your 2024 contribution limit issue.

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Carmen Flores

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This is super helpful! I'm dealing with a similar situation but mine happened earlier in the year. You mentioned the IRS formula - do you happen to know if there's a specific IRS publication that explains this calculation in detail? I want to make sure I understand it correctly before I request the withdrawal from my HSA provider. Also, when you say "Net Income" can be negative, does that mean if my HSA lost value during the period, I actually withdraw less than my excess contribution amount? That seems almost too good to be true given how stressful this whole process has been!

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Evelyn Kim

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I went through this exact same process last year when I incorporated my mobile game development company in Ontario. The W-8BEN-E form was definitely intimidating at first, but once I understood the key classifications, it became much clearer. A few additional tips that helped me: 1. Make sure you're clear on your entity type classification in Part I - for a standard Canadian corporation, you'll typically select "Corporation" 2. In Part II (Disregarded Entity), you'll likely leave this blank since your corporation isn't a disregarded entity 3. For Part III (Claim of Tax Treaty Benefits), be very specific about citing "Article 12 of the Canada-United States Income Tax Convention" and state the rate as 0% for royalties 4. Don't forget to sign and date the form! I actually forgot this on my first submission and had to resubmit The key thing to remember is that App Store revenue for digital products is generally treated as royalties under the tax treaty, not business profits. This distinction is crucial for getting the right withholding rate. Good luck with your incorporation transition! It's definitely worth getting it right the first time to avoid delays with your App Store payments.

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Dmitry Petrov

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This is incredibly helpful! I'm just starting this process and your breakdown of each section makes it so much clearer. Quick question - when you mention citing "Article 12 of the Canada-United States Income Tax Convention" in Part III, do you need to include any additional explanation beyond just stating the article and 0% rate? Also, did Apple accept your form right away after you got all these details correct, or did you still run into any issues during their review process?

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Carmen Diaz

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@Evelyn Kim s'breakdown is spot on! For Part III, you typically don t'need extensive additional explanation beyond citing the specific article and rate. However, I d'recommend adding a brief statement like Canadian "corporation deriving royalties from licensing of software applications to" clarify the nature of your business activity. One thing I learned the hard way is to also include a statement about meeting the Limitation on Benefits provisions - something like Entity "meets ownership and base erosion test under Article 29A as all shareholders are Canadian residents. This" helped me avoid a rejection that delayed my previous submission by weeks. Apple s'review process has gotten much stricter lately. Even with everything filled out correctly, they sometimes request additional documentation to verify your corporate status, so make sure you have your Certificate of Incorporation and any other corporate documents easily accessible.

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CosmicCowboy

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I just went through this exact process a few months ago when I transitioned my indie game studio to a corporation! The W-8BEN-E definitely feels overwhelming at first, but it's much more straightforward once you understand the key points. For Canadian corporations selling on the App Store, here's what I learned: **Income Classification**: Your App Store revenue is classified as royalties, not business profits. This is because you're licensing your software to Apple for distribution, making it royalty income under Article 12 of the Canada-US tax treaty. **Key Form Sections**: - Part I: Standard corporation info (make sure your legal name matches exactly with your incorporation docs) - Part III: Claim treaty benefits under Article 12, enter 0% withholding rate - Part XXV: Most app dev corps qualify as "Active NFFE" since you're actively running a business **Critical Details**: - Include your Canadian Business Number in the foreign tax ID field - In the Limitation on Benefits section, mention that you meet the ownership test (since all shareholders are Canadian) - Don't forget to actually sign and date the form! The treaty benefit is huge - it reduces your US withholding from 30% down to 0% for royalties. Having all Canadian shareholders actually helps because it makes the Limitation on Benefits provisions easier to satisfy. Apple typically reviews these within 5-7 business days. If they reject it, they'll usually tell you exactly what needs to be fixed. Just make sure every detail matches your corporate documents perfectly. Hope this helps! The corporate structure is definitely worth it for the tax benefits and liability protection.

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Natalia Stone

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This is such a comprehensive breakdown - thank you! I'm just getting started with incorporating my app business and the W-8BEN-E form has been sitting on my desk for weeks because it seemed so intimidating. Your explanation about the income classification being royalties vs business profits really clarifies things for me. Quick question about the timeline - you mentioned Apple typically reviews within 5-7 business days. Does this mean your app sales payments get held up during this review period, or do they continue processing payments under the old individual account setup until the corporate forms are approved? Also, did you need to update anything else with Apple besides just the W-8BEN-E form when you transitioned from individual to corporate account? I'm worried I'm missing some other required documentation.

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StarStrider

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Great question about the payment timeline! When I transitioned, Apple actually continued processing payments under my individual account until the corporate W-8BEN-E was fully approved. There's typically no interruption in payments during the review period, which was a huge relief. However, I'd recommend submitting your corporate tax forms well before you actually need to transfer everything over, just to avoid any potential delays. As for other documentation, yes - besides the W-8BEN-E, you'll also need to update your banking information to reflect your corporate account, and provide Apple with your Certificate of Incorporation and Articles of Incorporation. Some developers also need to submit a Corporate Resolution document if Apple requests it, especially if the signing authority isn't clear from your other corporate docs. Pro tip: Make sure your corporate bank account is fully set up and operational before starting the Apple transition process. Nothing worse than having everything approved but then waiting weeks for banking details to be processed!

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H&R block charged me $450 last year for basically typing numbers from my forms into their computer. This year I did it myself with TurboTax and paid $120. Self employed too with some investment stuff. The software asks the same questions the human did tbh.

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Emma Olsen

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Did you find the self-employment section of TurboTax easy to understand? I'm worried about missing deductions if I do it myself.

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Mateo Sanchez

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TurboTax Self-Employed actually does a really good job walking you through potential deductions. It asks questions like "Do you use your car for business?" "Do you have a home office?" "Did you buy equipment or supplies?" and then guides you through each category. The interview-style questions help catch things you might not think of on your own. Plus you can always upgrade to get live CPA review if you're really unsure about something, which is still way cheaper than H&R Block's full service fees.

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Yara Sayegh

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Wow, $675 is absolutely outrageous for a straightforward self-employment return! I had a similar experience with H&R Block a few years ago - they quoted me $550 for what was essentially just a Schedule C and basic forms. I ended up walking away and never went back. The reality is that most self-employed people with simple situations can easily handle their own taxes with good software. The "complexity" they charge you for is really just filling out Schedule C, which asks pretty straightforward questions about your income and business expenses. Unless you have multiple businesses, complex depreciation schedules, or unusual deductions, you're paying hundreds of dollars for data entry. I've been doing my own self-employment taxes for the past 3 years using various software options and have saved thousands compared to what these chain preparers were charging. The software walks you through everything step-by-step and often catches deductions that the rushed preparers at these big chains miss anyway.

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I'm just getting started with freelance work and this thread is really eye-opening about tax prep costs! As someone new to self-employment, what's the minimum record-keeping I need to do throughout the year to make tax season easier? I don't want to end up paying these crazy fees just because I'm disorganized with my paperwork.

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Gemma Andrews

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Thanks everyone for all the helpful information! As someone who just went through incorporating my freelance business in Canada, this thread has been incredibly valuable. I want to add one more tip that saved me some headaches: make sure your Canadian business registration information (business number, registered address, etc.) exactly matches what you put on the W-8BEN-E form. Apple's tax validation system is pretty strict about consistency between documents. Also, if you're like me and procrastinated on getting your CRA business number, you can actually get it online instantly through the CRA website once your corporation is registered. You don't have to wait for mail anymore - they give you the number immediately after completing the online application. The combination of properly completing the W-8BEN-E for the 0% withholding rate AND making sure you're enrolled in the Small Business Program for the 15% commission rate can make a huge difference in your bottom line. Don't forget about either one!

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Grace Thomas

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This is such a comprehensive thread - thank you all for sharing your experiences! I'm just starting the incorporation process for my app business and had no idea about half of these requirements. @Gemma Andrews, that tip about getting the CRA business number online instantly is gold - I was dreading waiting weeks for paperwork. And I definitely would have missed reapplying for the Small Business Program if @Noland Curtis hadn t'mentioned it. One quick question for the group: should I wait until my corporation is fully set up before starting the W-8BEN-E process, or can I begin preparing it while the incorporation is still in progress?

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Sean O'Brien

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@Grace Thomas I d'recommend waiting until your incorporation is completely finalized before submitting the W-8BEN-E. You ll'need your official corporate registration number and legal business name exactly as they appear on your incorporation documents. However, you can definitely start familiarizing yourself with the form now! Download it from the IRS website and review all the sections, especially Part III treaty (benefits .)That way once your corporation is official, you ll'just need to fill in the specific details rather than learning the whole form from scratch. Also make sure to get your CRA business number as soon as your incorporation is complete - you ll'need it for the W-8BEN-E and it s'required before you can apply for the Apple Developer Program as a corporation anyway.

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Miguel Silva

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This is an incredibly thorough discussion! As someone who works with international tax compliance, I want to add a few additional points that might help other Canadian developers: 1. **Documentation retention**: Keep copies of your submitted W-8BEN-E and any correspondence with Apple. The IRS can request these during audits, and having proper documentation of your treaty claim is crucial. 2. **Quarterly estimated taxes**: Don't forget that as a Canadian corporation earning US-source income, you may need to make quarterly estimated tax payments to the CRA. The reduced withholding from the treaty means less tax is being withheld upfront, so plan accordingly. 3. **Transfer pricing considerations**: If you have any related entities or if your business structure becomes more complex, be aware of transfer pricing rules. This isn't usually an issue for simple owner-operated corporations, but it's worth understanding if you plan to expand. 4. **State tax implications**: While the federal W-8BEN-E handles federal withholding, some US states have their own sourcing rules for digital products. Most don't tax foreign corporations on royalty income, but it's worth researching if you have significant revenue. The resources mentioned in this thread (taxr.ai for form guidance and Claimyr for IRS contact) seem to have helped several people navigate this successfully. Good luck with your incorporation!

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Dmitry Volkov

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@Miguel Silva thank you for those additional compliance points! The quarterly estimated tax payment reminder is especially important - I learned that the hard way in my first year as a corporation when I got hit with penalties for underpayment. For other new Canadian corporations reading this, I d'recommend setting aside about 25-30% of your net App Store income for taxes throughout the year. Even with the 0% US withholding from the treaty, you ll'still owe Canadian corporate tax on the income. One more thing to add: if you re'transitioning mid-year from individual to corporation like (I did ,)make sure you properly report the income split on both your personal T1 return for (the individual period and) the corporation s'T2 return for (the corporate period .)The CRA is pretty strict about getting those dates exactly right. Has anyone dealt with the transition timing and knows if there are any specific forms needed to notify the CRA about the change in business structure?

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