I've been using BlueBird for my tax refunds for the past 4 years and wanted to share what I've learned about their deposit timing. BlueBird typically processes IRS refunds faster than most traditional banks, but there's still that 24-48 hour window after the IRS releases the funds. What I've found helpful is checking my account around 5-6am Eastern time, since that's when most of their overnight processing seems to complete. Also, if your transcript shows the 846 code with tomorrow's date, that's when the IRS actually sends the money - BlueBird usually has it posted within 24 hours of that. I know the waiting is stressful, especially when you're counting on that money, but based on everyone's experiences here, it sounds like BlueBird has been pretty consistent this year. Hang in there!

I've been following BlueBird deposit patterns for my family for years, and here's what I've noticed: the timing really depends on when exactly the IRS releases your specific refund within their daily batch cycles. They typically send refunds out in multiple waves throughout the day - early morning, midday, and late afternoon batches. BlueBird processes these pretty quickly, but if your refund gets released in a late afternoon batch on Thursday, it might not hit your account until Friday morning. The good news is that BlueBird doesn't seem to have the same weekend processing delays that traditional banks do. I've seen deposits hit on Saturdays when the IRS releases funds on Friday evenings. Since you're at day 21 and WMR shows tomorrow, you're definitely in the normal timeframe. I'd check your account first thing tomorrow morning - most people I know with BlueBird see their deposits between 3am-7am Eastern when they do hit.

Just want to add - hobby losses are treated differently than business losses. Since you're just selling personal items without intent to make a profit, this would be considered a hobby activity. You report the income on Schedule C but check "No" for business activity. The downside is you can only claim enough expenses to offset your income - you can't claim a loss if your expenses exceed your income. But since you're just trying to show zero profit, that shouldn't be an issue in your case.

I don't think this needs to be on Schedule C at all. This sounds like selling personal items, which would go on Schedule D as capital gains/losses. You report your basis (what you paid) and your selling price, and pay taxes only on the gain if there is any.

One additional consideration that hasn't been mentioned yet - make sure you understand the timing of when your mom needs to report any capital gains. Even though she may qualify for the $250,000 exclusion on her primary residence, she'll still need to report the sale on her tax return for the year it closes. Since you're managing her finances with the POA, you'll likely be responsible for ensuring this gets reported correctly. The sale should be reported on Schedule D and Form 8949, even if no tax is owed due to the exclusion. Also, if your mom has any cognitive decline that affects her ability to understand financial matters, you might want to consider having a tax professional handle her return for the year of the sale. The documentation requirements and potential complexity of reporting a home sale while managing someone else's finances through a POA can be tricky to navigate solo.

I went through this exact situation with my father's house last year and learned a few hard lessons that might help you. One thing that caught me off guard was the timing of when you need to establish the cost basis - make sure you're collecting all improvement receipts NOW, not after the sale closes. Also, regarding transferring money to your personal account - I'd strongly recommend against doing this directly. Instead, keep the proceeds in an account that's still in your mom's name but that you manage with the POA. This creates a much cleaner paper trail and avoids any potential gift tax complications. If you do need to access the money for her care expenses, transfer smaller amounts as needed with clear documentation of what each transfer is for (medical bills, care facility payments, etc.). This approach protects both of you and makes it much easier if you ever need to account for how the money was used. The tax reporting is also more straightforward when the money stays in her name - you'll just report the sale on her return without having to worry about gift tax implications on your end.

I've been following this thread closely since I'm dealing with a similar lien payoff situation for a closing next month. Based on everyone's experiences here, I wanted to share what I've learned from calling the IRS this week. The warm transfer method that several people mentioned really does seem to work better than calling the lien department directly. I tried both approaches - direct calling resulted in 3+ hour holds that ended in disconnections, but going through the main line (1-800-829-1040) and asking for a transfer got me connected in under an hour. The key seems to be calling right at 8 AM Eastern and being very clear with the first agent about having a time-sensitive real estate transaction. I said something like "I have a house closing in X days and need an urgent transfer to the lien department for a payoff letter." Most agents seem to understand the urgency of real estate deadlines. Also, for those considering the third-party services mentioned in this thread - I looked into a few of them and they do seem legitimate, but the warm transfer method costs nothing and appears to be just as effective if you time it right. One more tip: have your title company's direct contact information ready when you call. The IRS agent asked if they could send the payoff letter directly to my title company, which might speed up the process even more.

I'm going through the exact same situation right now! Reading everyone's experiences here has been incredibly reassuring - I thought I was the only one dealing with this nightmare. I've been trying to reach the IRS lien department for 8 days straight with no success. Every single call has resulted in 2+ hour holds followed by automatic disconnections. I'm closing on May 15th, so I still have a bit more time than you, but I'm already feeling the pressure. After reading this thread, I'm definitely going to try the warm transfer method tomorrow morning at 8 AM Eastern. The idea of calling the main line first and asking to be transferred directly to the lien department is brilliant - I can't believe I didn't think of that approach. I'm also going to prepare that one-page summary sheet that Leila mentioned with all my information organized. Having everything ready will definitely help me sound more professional and prepared when I finally get through. One question for anyone who has successfully used this method - how exactly do you phrase the transfer request to the first agent? I want to make sure I emphasize the urgency without sounding desperate or pushy. Should I mention the specific closing date right away? Thank you all for sharing your experiences. This thread is giving me hope that I can actually resolve this before my closing date!

Has anyone used the Form 11 on ROS for partnership income? I found it super confusing how to report my share vs my husbands share and ended up ringing a chartered accountant.

As someone who went through this exact same situation 18 months ago with my spouse, I can definitely relate to the confusion! One thing that really helped us was understanding that as a married couple in a partnership, you have more flexibility than you might think. First, don't panic about your business structure choice - partnerships can actually work well for married couples, especially in the early stages. The key is understanding your assessment options. You can choose joint assessment (where one spouse is the assessable spouse and includes both incomes) or separate assessment (where you each file individually). Joint assessment often works better for partnerships because it lets you pool your tax credits and rate bands. Also, make sure you're both claiming the Earned Income Tax Credit - it's €1,650 each for 2024, so that's €3,300 total you don't want to miss out on. And definitely look into income splitting strategies once you get established - being able to allocate profits based on actual contribution rather than strict 50/50 can save serious money. The threshold for considering incorporation is typically around €40-50k profit, so you have time to see how your first year goes before making any major structure changes. Focus on getting your partnership documentation sorted first - a simple partnership agreement outlining roles and profit sharing will make everything cleaner come tax time.