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If I could give 10 stars I would
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!
Really made a difference
Really made a difference, save me time and energy from going to a local office for making the call.
Worth not wasting your time calling for hours.
Was a bit nervous or untrusting at first, but my calls went thru. First time the wait was a bit long but their customer chat line on their page was helpful and put me at ease that I would receive my call. Today my call dropped because of EDD and Claimyr heard my concern on the same chat and another call was made within the hour.
An incredibly helpful service
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!
Consistent,frustration free, quality Service.
Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
IT WORKS!! Not a scam!
I tried for weeks to get thru to EDD PFL program with no luck. I gave this a try thinking it may be a scam. OMG! It worked and They got thru within an hour and my claim is going to finally get paid!! I upgraded to the $60 call. Best $60 spent!
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- DO answer questions and support each other.
- DO post tips & tricks to help folks.
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Isaac Wright
One option nobody's mentioned yet is splitting the difference. You could adjust your withholding to reduce it somewhat, but not eliminate the refund entirely. That way you still get more in your paychecks now, but you're also building in a safety margin in case your tax calculations aren't perfect. I do this every year - aim for a modest refund of $1,000-2,000 as insurance against unexpected tax issues, while keeping my regular withholding reasonable. The perfect withholding would theoretically result in $0 owed and $0 refund, but that's nearly impossible to achieve with changing circumstances throughout the year.
Maya Diaz
ā¢How exactly do you calculate this "insurance amount"? I've tried to do this before but always end up way off, either getting much bigger refunds than I planned or owing a little.
Isaac Wright
ā¢I use what I call the "10% buffer rule." I calculate what my ideal withholding should be for zero refund/zero amount due, then I add 10% extra to that amount as my safety margin. For example, if my calculated correct withholding is $1,000 per month, I'll actually withhold $1,100 per month. This typically results in a refund of about $1,200 at year end, which I'm comfortable with. It's small enough that I'm not giving a huge interest-free loan to the government, but large enough to absorb unexpected tax changes or calculation errors.
Tami Morgan
Has anyone here actually applied an overpayment to the next year and then adjusted withholding to $0 for a quarter? My accountant warned me this could trigger an automated review because it looks unusual. Just wondering about real experiences.
Rami Samuels
ā¢I've done this for the past three years with no issues. Applied about $8K of my refund to the next year's taxes each time, then adjusted my withholding way down for Q1 and part of Q2. Never triggered any special review or audit flags. The IRS systems treat it as a perfectly normal transaction because it is - it's a built-in option on the tax forms for a reason.
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Be careful about amending right away! Make sure you understand EXACTLY what the preparer did first. My sister had a similar situation and rushed to amend her return, but ended up creating more problems because she didn't understand what she was fixing. Get a professional review of your return (a legitimate CPA, not another random preparer). You might also want to check if your preparer has credentials - some people call themselves "tax preparers" without any qualifications at all.
That's good advice. Do you know how much it typically costs to have a CPA review a return that's already been filed? I'm already out the $125 I paid the fraudulent preparer plus whatever I'll end up owing the IRS... trying not to break the bank here.
Most CPAs will do a basic review of your situation for around $100-200, which I know feels like throwing good money after bad, but it's worth it to make sure everything gets fixed correctly. Some might even do a quick initial consultation for free to at least point you in the right direction. You can also check with the Volunteer Income Tax Assistance (VITA) program if your income is under about $60k. They provide free tax help and might be able to advise you on next steps without charging anything.
Does the tax return have an EFIN or PTIN number on it anywhere? All legitimate tax preparers have to have these identification numbers. If they're missing, that's another red flag that you're dealing with someone who isn't properly registered with the IRS.
Also check if they signed the return as a preparer! That's required by law - if they didn't sign it that's a HUGE red flag. Legitimate preparers always sign the "Paid Preparer" section of the return and include their PTIN. If they did your taxes but didn't sign, they're trying to avoid accountability.
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Make sure you also consider state taxes! I did a one-time gig last year and completely forgot that I needed to pay state tax on the income too. Some states have different thresholds than federal for self-employment reporting.
Sarah Ali
ā¢Good point about state taxes! I'm in Illinois - do you know if they have any special rules for small amounts of self-employment income? I'm already stressing about the federal forms.
Illinois follows the federal guidelines pretty closely for self-employment income. They don't have a separate self-employment tax, but you do need to report that income on your IL-1040 form. The $842 will flow through to your state return once you've completed the Schedule C for your federal taxes. It's actually pretty straightforward on the state side compared to the federal requirements.
Jay Lincoln
Don't forget to check if you're required to make estimated tax payments next year! If you expect to owe more than $1000 in taxes when you file, you might need to make quarterly payments to avoid penalties.
This is such overkill for a one-time payment under $1000. The tax system is ridiculous for small amounts. In other countries they make this so much easier!
Sarah Ali
ā¢Thanks for bringing this up! I don't plan on doing more freelance work this year, this was really just a favor for my cousin. Based on my regular tax situation I usually get a refund of about $800, so I'm guessing this small amount won't push me over that $1000 threshold?
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PixelPioneer
To answer your original question - yes, people would definitely pay for this service, but the pricing model would need to be reasonable. I think most people would be open to a "finder's fee" model where you pay a percentage of whatever's recovered. The industry standard seems to be around 10-15% of recovered funds. Anything higher feels excessive since the money already belongs to the person. Some states actually cap how much these services can charge - I believe California limits it to 10%.
Isn't there something kind of predatory about charging people to get access to their own money though? Especially when the information is technically available for free?
PixelPioneer
ā¢It's definitely a fine line. The information is free, but the convenience, time savings, and expertise in navigating the claims process is what people are paying for. I don't think it's predatory if: 1) The fee is reasonable, 2) There's transparency about the fact that people could do this themselves, and 3) The service adds genuine value beyond what someone could easily do on their own. Many people genuinely don't have the time or knowledge to track down funds across multiple states and properly file claims, so they're willing to pay for that assistance.
Paolo Rizzo
What most people don't realize is that unclaimed funds go way beyond forgotten bank accounts. I used to work for my state's treasury department, and we'd see unclaimed property from: - Insurance policy payouts - Utility deposits - Uncashed paychecks - Stock dividends - Tax refunds - Security deposits - Contents of safe deposit boxes A notification service would be valuable if it could actually identify ALL types of unclaimed assets. The biggest challenge is accurately matching people to their funds since the state databases often have limited identifying information.
Amina Sy
ā¢That's a great point! Do these notification services actually check for all those different types of unclaimed assets? Or do they just focus on the easy stuff like bank accounts?
Ravi Patel
I had this exact problem and TurboTax was NOT helpful! I ended up calculating my estimated payments manually and here's what worked for me: For Line 18, you need to list the DATE and AMOUNT of each payment you actually made, regardless of when it was due. The dates matter because the IRS calculates interest based on how late the payments were. If you have your bank records or IRS payment confirmations, just go through and list each payment chronologically with the exact date. Don't try to organize them by which quarter they were "for" - just list them in the order you paid them.
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Freya Andersen
ā¢Thank you! This makes so much more sense than what TurboTax was saying. One question though - if I made multiple payments for a single quarter (like I paid half of Q3 in August and half in September), do I list those as separate entries?
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Omar Zaki
Don't panic about Form 2210! Most people get confused by it. One tip: if your total tax underpayment is less than $1,000, you may not even need to file this form at all - there's a safe harbor provision. If you're stuck on Line 18, just list all payments in chronological order with exact dates. And remember that even if you do have a penalty, it's just interest - not some huge fine. The penalty rates change quarterly but have been around 5-7% annually. Not pleasant but not the end of the world either!
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Keisha Taylor
ā¢Thank you all SO MUCH for your help! I feel much better about this now. I'll list my payments chronologically with exact dates. And I'll definitely check out that Schedule AI option since most of my income was in the last quarter. Turns out I was overthinking this whole thing!
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