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If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
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An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls ā which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!
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The easiest solution is to check the bank's website. Most banks list their EIN in their disclosures or about section. I just had this same issue with Capital One and found their EIN on their corporate info page in like 2 minutes. If that doesn't work, another trick is to Google "[bank name] EIN" - lots of tax sites have databases of common financial institutions and their tax IDs.
I tried looking on their website but couldn't find it anywhere. And googling my small local credit union didn't turn up the EIN. Maybe I should just call them?
Yes, calling them is definitely your best option if you can't find it online. Ask specifically for their "federal employer identification number" or "tax identification number" for 1099 reporting purposes. Make sure to have your account number handy as they'll likely need to verify your identity before providing any tax information. Local credit unions usually have much shorter hold times than big banks, so hopefully it won't be too painful!
Ava Thompson
Does anyone know if the location of the EIN changed on 1099-INTs this year? I'm looking at mine from last year (different bank) and the EIN is in Box 3, but this year's form doesn't even have that box! The whole layout seems different.
The IRS did make some changes to the 1099-INT form for 2024. The payer's EIN should be in the top left section now in its own designated field. Some banks are using the updated format while others are still using older versions. If your form is missing the EIN field entirely, that's definitely a mistake on the bank's part.
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PixelWarrior
Just a quick tip from someone who's been through this - even if you don't end up itemizing this year, keep records of the car purchase and sales tax paid. If your tax situation changes next year (like if you buy a house or have large medical expenses), you might end up itemizing then, and having this documentation ready will make your life easier.
What kind of records should we keep specifically? Just the final sales paperwork or are there other documents that are important for tax purposes?
PixelWarrior
ā¢You should keep the purchase agreement that shows the price of the vehicle and a clear breakdown of the sales tax paid. Also keep any documentation of registration fees, though these are typically only deductible if they're based on the value of the vehicle rather than a flat fee. If you paid cash, keep bank statements showing the withdrawal. If you financed, keep the loan agreement and records of payments. Also hang onto any receipts for major repairs or improvements, especially if there's any chance you might use the vehicle partially for business in the future.
Has anyone tried using TurboTax instead of H&R Block for this? I've been going back and forth between the two trying to decide which one handles these vehicle questions better.
I used both this year (started with H&R then switched to TurboTax) and they handle it pretty much the same way. Both ask about large purchases to check if sales tax itemization would benefit you. TurboTax maybe explains it a bit clearer but the end result was identical for me.
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Just a quick tip from someone who was in your shoes last year - if you use tax software to file yourself, make sure you file as Head of Household, NOT single! This is a huge difference in tax brackets and standard deduction. As long as you: 1) Have a qualifying dependent (your kids) 2) Pay more than half the costs of keeping up your home 3) Are unmarried or considered unmarried for tax purposes You qualify for HOH which will save you a bunch compared to filing Single. I made this mistake my first time and had to file an amendment.
Thank you for pointing this out! I would have definitely just selected "single" since that's what my partner always did. What's the actual difference in money between HOH and single? Is it worth the extra paperwork?
The difference is substantial! For 2025, the standard deduction for HOH is $21,900 versus just $14,600 for single filers. That's $7,300 more of your income that won't be taxed at all. Plus the tax brackets are more favorable for HOH. There's no extra paperwork involved - you just select "Head of Household" instead of "Single" on your filing status. The tax software will ask you a few verification questions to confirm you qualify, but it takes maybe 2 extra minutes. From your description, you definitely qualify since you support your children and maintain the household. This could easily save you over $1,000 in taxes, so absolutely worth doing!
Don't forget about the Earned Income Tax Credit! With your income level (~$10,500) and two qualifying children, you could get a refund of several thousand dollars even if you don't owe any taxes. This is a "refundable" credit, which means the IRS will send you money even if your tax liability is zero.
Exactly this! I'm a single mom with similar income and got back over $5,800 last year just from EITC and Child Tax Credit combined. It was literally life-changing money for us. Paid off some bills and fixed our car.
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Something nobody mentioned yet - be careful about separating personal and business expenses if you're using the same devices. Like if you're using your phone for pics and then personal use too. I got audited last year for my online business and had to prove what percentage was actually business use vs personal. Keep a log of time spent using devices for business!
How detailed does that log need to be? I use my laptop for both my regular job and my side hustle selling digital patterns. Should I be tracking hours or something?
NebulaNomad
Just make sure you're putting aside enough for taxes! I didn't my first year selling online content and got hit with a HUGE tax bill plus penalties. A good rule is save 25-30% of everything you make for taxes if you're not doing quarterly payments.
Jacob Lee
One thing nobody's mentioned yet is that having a single LLC for multiple business activities might affect your liability protection. The whole point of an LLC is to protect your personal assets, but if one of your businesses gets sued, potentially all the assets in that LLC could be at risk. For example, if your DJ equipment rental business has an accident where someone gets hurt, and you get sued, the profits and assets from your graphic design business could potentially be reached in that lawsuit since they're in the same LLC. Sometimes it makes sense to have separate LLCs for higher-risk activities (like rentals) versus lower-risk ones (like design work). Might be worth talking to a business attorney about this aspect.
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Emily Thompson
ā¢Wouldn't insurance be a cheaper solution than maintaining multiple LLCs though? Like getting a good general liability policy plus specific riders for the higher-risk activities?
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Jacob Lee
ā¢You raise an excellent point about insurance. A comprehensive liability insurance policy with specific riders for higher-risk activities is often a more cost-effective solution than maintaining multiple LLCs with separate filing fees, registered agent fees, and accounting costs. The ideal approach for many entrepreneurs is a combination: one well-structured LLC with proper internal bookkeeping to track each business activity separately, plus tailored insurance coverage that addresses the specific risks of each business type. This gives you both liability protection and tax efficiency without the administrative burden of multiple entities.
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Sophie Hernandez
I handle my side hustles (lawn care, handyman work, and custom woodworking) as separate DBAs under one LLC. Its way simpler for taxes but I still know which business is making money. Just make sure you keep good records for each business seperately. I use different credit cards for each one to make it easy. The bank lets you have multiple business debit cards with different names but same account. My accountant said this is fine as long as I track everythng right. Never had problems with the IRS doing it this way for 4 years now.
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Daniela Rossi
ā¢Do you use accounting software to track everything? I'm trying to figure out if I need separate QuickBooks accounts or if there's a way to tag transactions by business type within one account.
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