I had almost the exact same situation last year! The 846 code with the March date is definitely when your refund was issued, but sometimes there can be delays especially with direct deposits. A few things to check: 1. Make sure your bank routing/account numbers on your return match exactly what's on your bank statements (even one wrong digit will cause issues) 2. Some banks (especially smaller ones or credit unions) can take longer to process IRS deposits 3. If you changed banks recently, the IRS might have sent it to your old account The 766/768 codes dated 04-15 are just how the IRS books the credits - it doesn't mean your refund is delayed until then. That's just their system showing when credits are "officially" applied for accounting purposes. I'd call your bank first thing Monday and ask specifically about any pending deposits from "IRS TREAS 310" or similar. If they say no deposit was attempted, then definitely call the IRS. Sometimes refunds get kicked back and they have to mail a paper check instead, which takes 3-4 weeks. Good luck! The waiting game with refunds is the worst part 😤

I went through something similar last month! The 846 code dated 03-13 is definitely when your refund was issued, but don't panic about not receiving it yet. Here's what likely happened: Your transcript is actually showing normal processing - the 766/768 credits dated 04-15 are just IRS bookkeeping entries and don't affect your actual refund timing. The key date is that 03-13 issue date. Since it's been a while since 03-13, here's what I'd do: 1. Call your bank and ask specifically if they received any deposits from "IRS TREAS 310" - sometimes they hold them for verification 2. Double-check that your banking info on your return matches your actual account exactly 3. If your bank says no deposit was attempted, call the IRS at 800-829-1954 I had my refund issued on a similar date and it took 8 business days to show up because my credit union had additional processing time. The wait is nerve-wracking but your transcript looks totally normal for an EIC refund. Hang in there! 💪

I went through something very similar with my 2019 returns from H&R Block! What ended up working for me was contacting H&R Block through their Twitter support (@HRBlock). I know it sounds odd, but their social media team seems to have more access to escalate issues than the regular phone support. I sent them a direct message explaining that I couldn't access my 2019 returns despite being able to see all other years, and they responded within a few hours asking for my account details. Within 24 hours, they had someone from their technical team email me the complete returns as PDFs. The Twitter support route bypassed all the phone hold times and actually got me connected with people who could solve the problem rather than just transfer me around. Worth trying if you're still having issues - sometimes these companies are more responsive on social media where problems are visible to other customers.

I've been following this thread with interest since I had a similar issue with my 2018 returns from TurboTax last year. What strikes me is how many different solutions people have found that actually work - from BBB complaints to Twitter support to third-party services. For anyone still struggling with this, I'd recommend trying multiple approaches simultaneously rather than waiting for one to work before trying another. The IRS transcript route that Millie mentioned is definitely worth trying first since it's free and immediate, but don't hesitate to also reach out through social media channels and file a BBB complaint at the same time. The key thing I learned from my experience is that these tax prep companies often have multiple customer service tiers, and the regular phone support is basically useless for anything beyond simple questions. You need to find ways to escalate to the people who actually have system access and authority to solve problems. Also, for future reference - I now download and save local copies of all my tax documents immediately after filing, specifically because of issues like this. The online portals are convenient but clearly not reliable for long-term document storage.

Has anyone here actually calculated the exact difference between donating directly to charity vs using a DAF? I'm trying to figure out if the extra complexity is worth it for my situation.

One thing to keep in mind with your specific situation is the timing of when you execute this strategy. Since you're planning to donate $130k worth of appreciated stock to a DAF, you'll want to make sure you have enough AGI to use the full deduction in the current tax year. With your combined income of $650k, you should be able to deduct up to 30% of AGI for appreciated stock donations to a DAF, which would be around $195k - so you're well within the limits for the $130k donation. However, I'd recommend getting the DAF set up and making the stock donation BEFORE you sell the other $130k portion. This way you can see exactly how the deduction impacts your tax liability before triggering the capital gains on the sale. Also worth noting that different brokerages have different processes for transferring appreciated securities to DAFs - some are more streamlined than others. Fidelity, Schwab, and Vanguard all make it relatively easy if you're already their customer, but it can take a few days to process the transfer. The strategy definitely works, but the exact tax savings will depend on your state taxes and whether you're subject to the 3.8% net investment income tax on the capital gains portion.

anybody else's transcript looking weird on WMR? mine hasn't updated in weeks

Just wanted to add that if you're dealing with this H&R Block issue, make sure to check your state's tax website directly for updates too. Sometimes they post notices about these system glitches before H&R Block even acknowledges them. Also keep your bank account info handy - some states are asking people to re-submit direct deposit details through their portal to fix the problem faster than waiting for paper checks.

Great summary Isabella! One additional consideration for your client - since they're a franchise operation, make sure to check if the franchisor has any specific requirements about POS system depreciation methods for consistency across their network. Some franchisors provide guidance on accounting treatments to ensure uniform financial reporting across locations. Also, if they're planning to open additional locations in the next few years, establishing a consistent depreciation policy now will make future locations much easier to handle. Document your rationale for the 5-year classification so you have support for when you're dealing with multiple locations down the road. The Section 179 election is definitely worth exploring given the current limits, especially if this is their only significant equipment purchase this year. Just keep in mind the potential recapture issues if the business use drops below 50% in future years (though that's unlikely for restaurant POS systems).

As someone who's worked with numerous franchise operations over the years, I can confirm that most restaurant franchisors do provide standardized accounting guidelines, including equipment depreciation policies. It's worth reaching out to the franchisor's operations or accounting department early in the process. Regarding franchise fees and equipment allocation - this can get tricky. If the POS system cost is bundled into the initial franchise fee, you'll need to allocate the fair market value of the equipment separately from the intangible franchise rights. The equipment portion gets depreciated over its useful life (5 years for POS systems), while the franchise fee portion continues to be amortized over 15 years. If the franchisor requires specific POS systems but the franchisee purchases them separately, then you treat them as regular business equipment purchases. Just make sure to maintain clear documentation of what was included in franchise fees versus separate equipment purchases. One more tip: many franchisors have relationships with preferred POS vendors and may have negotiated volume pricing. Sometimes they can provide invoices that clearly separate hardware, software, installation, and training costs, which makes your componentization much cleaner from the start.