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Nina Chan
I know everyone's focused on the rollover part, but don't forget about the tax reporting part of this. When you do get this sorted out, you'll get a 1099-R from the original institution (Vanguard in your case) showing the distribution. Make sure that when you file your taxes, you properly code this as a rollover so it's not counted as income. Also, if you do exceed the 60-day window, look into whether you qualify for a waiver. The IRS does allow waivers in certain hardship situations - financial institution errors can sometimes qualify.
Arjun Patel
ā¢Thanks for bringing up the tax reporting aspect. If I do manage to complete the rollover within 60 days, how exactly do I code it on my tax return? And what documentation should I keep in case of an audit?
Nina Chan
ā¢You'll need to report the distribution on your tax return using Form 1040 and show it as a rollover. When you receive the 1099-R from the original institution, it will have a distribution code in Box 7. You'll report the full amount on your tax return, but then indicate it was rolled over so it's not counted as taxable income. For documentation, keep copies of the original check, deposit receipts showing you deposited the full amount (including making up the withheld taxes), statements from both the original and new IRA custodians, and any correspondence about establishing the inherited IRA. Also keep documentation about the estate if you need to reopen it temporarily. These records should be kept for at least 7 years after filing the tax return where you report the rollover.
Savannah Vin
I'm dealing with a very similar situation right now - inherited IRA from my father who passed 3 years ago, and the original custodian just sent me a check without warning. One thing I learned that might help you is to contact the original institution (Vanguard) immediately to see if they can reverse the distribution and transfer the funds directly to your new inherited IRA custodian instead. Some institutions will work with you on this if you explain it was an error on their part to close the account without proper notice. A direct trustee-to-trustee transfer would avoid all the complications with the 60-day rollover rules and the estate check issue entirely. If that's not possible, definitely follow the advice about reopening the estate temporarily. I had to do this and while it was a hassle, it was much better than dealing with the tax consequences of a failed rollover. The probate attorney who handled the original estate should be able to help with a simplified reopening just for this specific asset. Also document everything - keep records of when you received the check, all your communications with both financial institutions, and any steps you take to complete the rollover. The IRS can be understanding about institutional errors if you have good documentation showing you acted promptly once you discovered the issue.
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Just to add another perspective - this happened to me two years ago and I DID file an amended return unnecessarily. The IRS ended up sending me a letter explaining they had already fixed the issue and my amended return caused confusion in their system. Took an extra 4 months to get my refund sorted out. If WMR is showing the correct adjusted amount, trust that they've already fixed it! The IRS computers are actually pretty good at catching and fixing these specific types of issues automatically.
Laura Lopez
ā¢Do you know if this applies to business estimated taxes too? My LLC had a similar issue where a payment was credited to the wrong quarter.
Yes, this applies to business estimated taxes as well, though the process can be slightly different. For LLC estimated tax payments applied to the wrong quarter but within the same tax year, the IRS typically reallocates them automatically without penalties. If the payment crossed tax years like the original poster's situation, the IRS systems will usually detect the discrepancy. However, business tax issues can be more complex, so it might be worth checking your IRS business account transcript to confirm the allocation. Unlike my individual tax situation, business tax misallocations sometimes require more documentation.
Quick tip for everyone making estimated tax payments - ALWAYS print or save the confirmation page when scheduling payments through EFTPS or Direct Pay! I schedule all my quarterlies at once too, and I've caught mistakes twice before they happened because I reviewed my confirmation details. Also, check your IRS account online every quarter to make sure payments are being applied to the correct year. Much easier to fix these issues early rather than discovering them at tax time!
Is there a way to change the tax year designation after you've already scheduled future payments? I just realized I might have made the same mistake as OP.
Carmen Ruiz
ā¢Yes, you can modify or cancel future scheduled payments through EFTPS if they haven't been processed yet. Log into your EFTPS account, go to "Payment History" and look for payments with "Scheduled" status. You should be able to cancel those and reschedule them with the correct tax year designation. However, you need to do this at least one business day before the scheduled payment date. If the payment is too close to processing or has already been withdrawn, you'll need to contact the IRS directly to request reallocation - this is where services like Claimyr that others mentioned could be helpful for actually reaching someone. I'd recommend checking your account ASAP and fixing any future payments that are incorrectly designated!
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When I was filing taxes last year, my accountant told me that the rules for claiming F1 students changed recently! Has anyone else heard this? My stepdaughter is on an F1 visa and we claimed her last year but now I'm worried we did it wrong.
I don't think the core rules have changed. My tax professional explained that F1 students still follow the same basic dependent tests, but there was some clarification about how scholarship amounts factor into the support test calculations. Essentially, amounts used for tuition and course-related expenses aren't counted as support provided by either party, while amounts used for room, board, etc. are considered support.
Justin Chang
The F1 visa dependent situation is definitely complex, but here's what I've learned from dealing with this myself: The key is understanding that there are two separate dependent tests - "qualifying child" and "qualifying relative" - and F1 students typically can only meet the "qualifying relative" test. For your stepchildren to qualify as dependents under the qualifying relative test, they need to meet these requirements: 1. You provide more than 50% of their support (sounds like you do) 2. Their gross income is under $4,700 for 2024 (or $4,800 for 2025) 3. They can't file a joint return with a spouse 4. They must be related to you (stepchildren qualify) 5. They must be US citizens, nationals, or residents of the US, Canada, or Mexico The tricky part is #5. F1 students are generally considered non-resident aliens for their first 5 calendar years in the US, which would disqualify them. However, there are exceptions - if they've been in the US previously or meet certain other conditions, they might qualify as residents. Given the complexity, I'd strongly recommend consulting with a tax professional who specializes in international student tax issues. The rules have nuances that can significantly impact your situation, and getting it wrong could trigger an audit or penalties. Regarding in-state tuition, that's completely separate from federal tax dependency status and varies by state and institution.
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For what it's worth, I use TurboTax Self-Employed and it actually has a special section for vacation homes with lock-off units. It walks you through calculating the square footage percentages and day allocations. Much easier than doing it manually!
Yara Khoury
This is really helpful information! I'm dealing with a similar situation but with a twist - my lock-off condo is part of a hotel rental program where the management company can rent either unit when I'm not using it. From what I'm reading here, it sounds like I should still calculate personal vs rental days for each unit separately, even though I don't control when the management company rents them out. Is that correct? And for the days when the management company has both units available for rent but neither gets rented, do those count as "available for rent" days or just vacant days? Also, has anyone dealt with the situation where the management company pools rental income from multiple units? I get a percentage of the total pool rather than specific rental amounts for my individual units, which makes the expense allocation even more confusing.
Shelby Bauman
tbh i stopped trying to figure out the codes. I check every morning and pray š thats my system now lololol
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Quinn Herbert
ā¢mood š
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Esteban Tate
Here's a quick reference for cycle codes that might help! The last two digits tell you the processing day: 01 = Monday, 02 = Tuesday, 03 = Wednesday, 04 = Thursday, 05 = Friday. But remember these are just when the IRS *processes* - not necessarily when you'll see updates. Updates usually happen overnight before that day. So if you have cycle code ending in 05, check Friday mornings for changes. The timing can still vary though depending on your specific situation and how backed up they are. Hope this helps decode things a bit! š
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