Did you negotiate with the insurance company or just accept their first offer? I've heard you can push back if their valuation seems low.

I absolutely negotiated! Their first offer was almost $3,200 below what comparable vehicles were selling for in my area. I collected screenshots of similar listings, documentation of recent maintenance and upgrades I'd done, and sent it all to the adjuster. After about a week of back-and-forth, they increased their offer by about $2,700. Still not perfect, but much closer to reality. Definitely don't just accept the first number they throw at you - most insurance companies expect some negotiation.

This is so important! My friend didn't have gap insurance when her car was stolen, and she ended up still owing like $4k on a car she no longer had. Complete nightmare situation.

What exactly counts as an SSTB? I'm working as a 1099 consultant in healthcare tech... not direct patient care, but developing software for medical practices. Would that be considered an SSTB?

Healthcare is generally considered an SSTB, but the rules have some nuance when it comes to tech that supports healthcare. If your work is developing software that directly relates to the provision of healthcare services, it might be considered an SSTB. However, if your software is more administrative or could be used across multiple industries but happens to be used in healthcare, you might not fall under SSTB rules. The distinction matters a lot for QBI since SSTBs have stricter phase-out thresholds. I'd recommend getting a professional opinion on your specific situation since the classification can significantly impact your tax liability. The IRS has issued some guidance on this, but there are still many gray areas, especially in tech-related fields that support traditional SSTB industries.

Did the amended return trigger any issues with the IRS? I'm in a similar boat and worried about red flags if I file an amendment.

Thanks for the insider info! Checking my forms again, I think it might be the education credit. I'm taking night classes and paid about $2000 in tuition last year. TurboTax asked about education but somehow didn't apply the credit even though I answered all the questions. Does Jackson Hewitt have good support if the IRS questions anything?

That's almost certainly what happened then! The education credits can be worth up to $2,500 depending on your situation, which would explain the difference you're seeing. TurboTax and H&R Block sometimes have more complex question paths for education credits and it's easy to answer something that disqualifies you accidentally. Jackson Hewitt does offer audit support if the IRS has questions. They can't represent you legally, but they'll explain their calculations and help you respond to IRS notices. Their Basic Audit Assistance comes standard with all returns, and they have more comprehensive protection you can purchase. For education credits specifically, just make sure you have your 1098-T form from your school as documentation.

Thanks for the info about the 30-day deadline! I think I'm still within that window. How exactly do I get the tax account transcript you mentioned? Does it show specifically which documents they accepted vs. rejected?

You can get your tax account transcript by going to IRS.gov and searching for "Get Transcript Online." You'll need to create an account if you don't already have one. The verification process is pretty strict - you'll need a credit card, mortgage, or loan account number plus a mobile phone in your name. The transcript won't explicitly state which documents were accepted or rejected, but it will show the specific adjustments they made to your return. Look for codes like "420" (examination/audit), "300" (additional tax assessed), or "290" (additional tax assessed after examination). The amounts next to these codes show exactly what changed. The transcript is super helpful because it gives you the exact dollar amounts they adjusted, which helps you understand which credits or deductions were disallowed. That way, you know exactly what documentation to focus on for your reconsideration.

This is important advice! I learned this lesson the hard way too. Also make copies of EVERYTHING you send them, including your cover letter requesting reconsideration. They lose stuff all the time and you need proof of what you submitted and when.

That's interesting! So there might be a way I could still file as Head of Household? Do you know if there are any risks to using this approach with an expired ITIN? Would I need to attach additional forms?

The Head of Household status would only be available if you meet certain requirements - generally having a qualifying dependent (like a child) living with you and providing more than half their support. If you choose to treat your nonresident alien spouse as a resident alien, you'd both need to file using Married Filing Jointly, not Head of Household. This requires submitting a statement with your return and both spouses signing it. The risk is that your husband would then be taxed on his worldwide income, not just US income. If you don't make this election, then Married Filing Separately is usually the correct status, and you can use his expired ITIN without issue. You might want to include a brief statement explaining the ITIN situation with your return.

That's not completely accurate. ITINs issued before 2013 have been expiring on a rolling schedule regardless of use. ITINs with middle digits 70-87 expired in 2019 and middle digits 88-92 expired in 2020. Middle digits 93-99 expired in 2021.

Thanks for the correction! You're right about the rolling expiration schedule for older ITINs. I forgot about that policy. If the OP's husband got his ITIN recently (within the last 10 years), then it would only expire after 3 years of non-use on a tax return. If it's an older one, it might have expired based on those middle digit schedules regardless of use. The IRS sent notices about those expirations, but if he's abroad, he might have missed them.