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StarStrider
7 Has anyone tried using the IRS2Go mobile app instead of the website? I had similar timeout issues on their website last year but discovered their app sometimes works when the site doesn't. It has a transcript request feature that uses a different system. Worth a shot before paying for a service or making appointments!
StarStrider
ā¢11 I tried the app last month and still had issues, but it did work eventually after a few attempts. The verification process seemed more streamlined than the website. Maybe because fewer people are trying to use the app compared to the main site? Definitely worth trying before paying for anything.
StarStrider
ā¢7 The IRS2Go app does use a slightly different authentication system which sometimes avoids the timeout issues on the main website. In my experience, it works best early in the morning (before 8am) or late at night when traffic is lower. Also, make sure your app is updated to the latest version as they've made improvements to the transcript request feature recently.
StarStrider
15 If everything else fails, file Form 4506-T by mail AND submit an extension using Form 4868 to give yourself more time. The extension gives you 6 more months to file (though you still need to pay any estimated taxes by the original deadline). This buys you time to get your transcript without penalty. I had to do this last year because of similar IRS issues.
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Caden Nguyen
Just to add another perspective here - as someone who deals with both CDs and savings bonds regularly, the key is understanding how the institutions report the income: 1. For CDs: The bank reports the FULL interest earned on your 1099-INT (Box 1), and then separately reports the penalty amount (Box 2). You get to deduct that penalty amount as an adjustment to income. 2. For I-Bonds: Treasury only reports the NET interest you actually received after the 3-month penalty was applied. Since the "forfeited" interest was never reported as income, there's nothing to deduct. It's confusing because we call both "early withdrawal penalties" but they're treated very differently for tax purposes!
Avery Flores
ā¢Is this still true if I'm using TurboTax? Will it automatically handle the difference or do I need to be careful about how I enter these?
Caden Nguyen
ā¢Great question about TurboTax. It will handle both correctly as long as you enter them properly. For CDs, make sure you enter both Box 1 (interest income) and Box 2 (early withdrawal penalty) from your 1099-INT. TurboTax will automatically deduct the penalty amount. For I-Bonds, just enter the interest amount shown on your 1099-INT from Treasury (or calculate it yourself if you didn't receive a form). Don't try to enter any "penalty" amount separately since it's already been subtracted from the reported interest.
Zoe Gonzalez
Nobody's mentioned the education exclusion for savings bonds! If you use the I-Bond proceeds for qualified education expenses, you might be able to exclude the interest from your income completely. It's subject to income limits, but worth looking into if you or a dependent has education expenses.
Ashley Adams
ā¢That's a good point but I think it only applies to EE bonds and I bonds if they were issued after 1989 and you're at least 24 years old when you bought them. Plus there's income limits like you mentioned. But definitely worth checking if you qualify!
Zoe Gonzalez
ā¢You're right about those requirements. To clarify: the bonds must be issued after 1989, the bond owner must be at least 24 years old when the bonds were purchased, and they must be used for qualified education expenses for yourself, your spouse, or a dependent. The income limits for 2024 start phasing out at modified adjusted gross income of $91,850 for single filers and $137,800 for joint returns. It's completely phased out at $106,850 and $167,800 respectively. And this only applies to the interest portion, not the penalty discussion.
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I had this exact situation last year. Here's what happened: my 401k administrator returned excess contributions with code E, and then the IRS computer system automatically flagged it as taxable because many code E distributions ARE partially taxable (if there were earnings on the excess contributions). The key is, like others mentioned, that your Box 1 and Box 5 are identical, proving these were 100% after-tax contributions with no earnings. Don't just pay the extra tax - this is worth fighting!
Adriana Cohn
ā¢Thanks for sharing your experience! Did you end up having to file an amended return, or were you able to get it resolved by just responding to the IRS notice?
I didn't need to file an amended return. I just responded to the IRS notice with a detailed explanation and a copy of my 1099-R. I highlighted Box 1 and Box 5 showing the identical amounts and explained these were after-tax contributions being returned. The IRS accepted my explanation and canceled the proposed adjustment about 6 weeks later. They sent a letter confirming no additional tax was due. Just make sure to respond within the deadline given on the notice, and keep copies of everything you send them.
Luis Johnson
Has anyone had success resolving this by calling the phone number on the IRS notice rather than writing? My dad has the same issue with his 401k distribution but he's not good with written explanations.
Ellie Kim
ā¢I called about a similar issue last year. If you can actually reach someone (big if), they can be helpful. I got through after 3 attempts and about 90 minutes on hold. The agent was able to see that my 1099-R boxes matched and noted my account that no additional tax was due. Still got a confirmation letter about a month later.
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Amina Sow
Make sure you're also considering whether this is a capital improvement to your building! If the HVAC system is a replacement or new installation (not just a repair), you might need to capitalize the cost over several years rather than deducting it all at once as a business expense. This doesn't change your 1099-NEC reporting requirements, but it does affect how you handle the expense on your own tax return. Depending on the size of your business, you might be able to use Section 179 to deduct the full amount in the current year, but there are limitations.
GalaxyGazer
ā¢Does the distinction between repair vs capital improvement also affect what goes on the 1099? Like if it's a capital improvement does only the labor get reported or still everything?
Amina Sow
ā¢The distinction between repair and capital improvement doesn't affect what goes on the 1099-NEC - that's determined solely by who you paid and what you paid them for. Whether the contractor provided both materials and installation or just installation affects the 1099 reporting. What the repair vs. capital improvement distinction affects is how YOU deduct the expense on your business tax return. A repair can generally be deducted immediately as a business expense, while a capital improvement (like a new HVAC system) typically needs to be depreciated over several years unless you elect certain provisions like Section 179 or bonus depreciation.
Just make sure you get the contractor's correct Tax ID number and verify they're not incorporated! I made the mistake of issuing a 1099 to a contractor who turned out to be an S-Corp, and it created a mess. Had to file a corrected form and the IRS sent me a notice anyway. Such a headache over something that could have been avoided.
That's a good point! I did get a W-9 from him at the start of the project. It lists him as a sole proprietor with his SSN, so I think I'm good on that front at least.
Jessica Suarez
Another thing to try - check if your W-2 is available on the IRS website. You can create an account at irs.gov and sometimes they have W-2 info reported by employers even if they didn't send it to you. I found mine there last year when my employer claimed they "mailed it" but it never showed up.
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Marcus Williams
ā¢Is this the "Get Transcript" feature? I looked at that but got confused about which option to select.
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Jessica Suarez
ā¢Yes, it's through the Get Transcript service. You'll need to select "Wage and Income Transcript" when prompted for the type of transcript. This will show information from forms submitted to the IRS including W-2s and 1099s. Creating an account can be a bit of a process since they've increased security measures. You'll need your ID, social security number, and some financial account numbers for verification. Once you're in, you can access transcripts for the current tax year and previous years.
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Lily Young
You should definitely report them to your state's labor department too! It's illegal for them to withhold your W-2. My cousin's employer did this and got fined pretty heavily when the state found out. They were doing shady stuff with the payroll taxes.
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Kennedy Morrison
ā¢This! Employers sometimes do this when they haven't been paying the proper employment taxes. Definitely report them to both the IRS and state labor board. Make them face consequences!
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