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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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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 – 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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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.
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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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One thing no one has mentioned is that capital gains DO count toward your modified adjusted gross income (MAGI), which can affect things like premium tax credits for healthcare, certain deductions that phase out at higher income levels, and even Social Security taxation. So while your capital gains won't push your ordinary income into a higher bracket, having a large capital gain in a single year can still have ripple effects on other parts of your tax situation.
Can you explain more about how this might affect Social Security? I'm planning to sell a rental property next year and I'm already receiving Social Security benefits.
For Social Security, if your combined income (your adjusted gross income + nontaxable interest + half of your Social Security benefits) exceeds certain thresholds, more of your Social Security benefits become taxable. For 2025, if you're filing single and this combined income exceeds $25,000, up to 50% of your benefits may be taxable. Above $34,000, up to 85% can be taxable. For married filing jointly, those thresholds are $32,000 and $44,000 respectively. So a large capital gain could definitely push you over these thresholds, causing more of your Social Security to be taxed.
Does anyone know if selling ONE rental property vs selling MULTIPLE would have any different tax implications? I'm considering selling either one large property or two smaller ones.
The tax rate would be the same whether you sell one property or multiple properties in the same year. However, selling multiple properties might give you more flexibility with timing - you could spread the sales across different tax years to potentially keep yourself in a lower capital gains bracket each year.
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Has anyone noticed the refund tracker is totally inaccurate sometimes? My status was stuck on "received" for 3 weeks, then suddenly the money just appeared in my account without the tracker ever updating to "approved" or "sent"! Only updated to show "sent" two days AFTER I already had the money.
Same thing happened to me last year! Was checking the tracker obsessively and then boom, money in my account while the tracker was still on the first step. Seems like their systems don't always talk to each other properly.
I filed on Feb 4th and got my refund on Feb 18th, so exactly 2 weeks. But my brother filed on the same day and he's still waiting (almost 4 weeks now). The difference? He claimed the Earned Income Credit and I didn't. They definitely prioritize simpler returns.
That's good context, thanks! Mine doesn't have any special credits like that so hopefully it won't be too long. It's amazing how much the timeline can vary based on what's in your return. Makes sense that they'd need more time to verify certain credits though.
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Something nobody's mentioned yet - if you never actually took any money out of your HSA during the tax year, you won't get a 1099-SA form at all. That form is only for reporting distributions (money taken out of the account). If you just had money going in through your employer but never used it, there's no 1099-SA needed.
Wait, that might be my situation! I had the HSA through work but I don't think I ever actually used any of the money from it. Does that mean I don't need this form after all?
If you never withdrew any money from your HSA during the tax year, then you won't receive a 1099-SA and don't need to worry about reporting distributions. The only thing you'd need to report is the contributions that went into the account, which should already be reflected on your W-2 in Box 12 with code W. Just make sure you truly didn't use the HSA funds. Some people have HSA debit cards and might have used them for medical expenses without realizing they were accessing their HSA.
Just an FYI - if you did receive distributions from your HSA, you'll need to fill out Form 8889 with your tax return. This is where you reconcile your contributions and distributions. Don't skip this form or you might trigger an audit!
Form 8889 is seriously confusing tho. Does anyone know if standard tax software like TurboTax handles this correctly? I'm worried about making mistakes.
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Another completely free option is VITA (Volunteer Income Tax Assistance). They have IRS-certified volunteers who will do your taxes for free if your income is under $60,000. They handle retirement contribution credits no problem! I've been volunteering with them for 3 years. You can find locations near you on the IRS website. Most libraries and community centers host VITA sites during tax season. Bring your documents and they'll do everything for you. It's completely free and they're trained specifically on credits like the one you're trying to claim.
Do you need an appointment for VITA or can you just walk in? And how long does it usually take?
Most VITA sites require appointments, especially this late in the tax season, but some do accept walk-ins. I'd strongly recommend calling ahead to schedule and ask what documents you need to bring. As for time, it typically takes about 45-60 minutes for a return with a retirement savings credit. That's much faster than learning to do it yourself, especially the first time. The biggest advantage is having someone who knows exactly what they're doing handle your specific situation - they can spot potential issues and maximize your refund while ensuring everything is done correctly.
Cash App Taxes (formerly Credit Karma Tax) is also completely free and handles the retirement savings contribution credit. I've used it for the last two years with no issues. No income limits, no upselling, completely free federal AND state filing.
I tried cash app taxes but they don't support multiple states if you moved during the year. Just a heads up for anyone in that situation.
Mateo Gonzalez
Make sure you're also aware of state filing requirements, not just federal! Each state has different rules for foreign-owned LLCs. I almost got hit with penalties in California because I didn't realize I had to file a separate state form even though my Nevada LLC had no physical presence in California. Where is your LLC registered? Some states are much more tax-friendly than others for foreign owners. Delaware and Wyoming are popular for Canadian owners because they have simpler requirements.
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AstroAlpha
•My LLC is registered in Delaware. I think that's why the company I worked with only mentioned federal forms... Do you know if Delaware has any special requirements for foreign-owned LLCs with no physical presence in the state?
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Mateo Gonzalez
•Delaware is actually one of the better states for your situation. They don't require a separate state income tax return for LLCs that don't have physical operations in Delaware. You'll still need to pay the annual Delaware franchise tax ($300 for most small LLCs) to maintain your business registration, but that's separate from income tax filing. Just make sure you've paid that annual franchise tax - Delaware will revoke your LLC status if you miss payments. They send the notice to your registered agent, so sometimes foreign owners miss these notifications if they're not in regular contact with their agent.
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Aisha Ali
Don't forget the bank account filing requirements! If your US LLC has bank accounts, and the aggregate value exceeded $10,000 at any point during the year, you need to file an FBAR (FinCEN Form 114) as a foreign owner. This is separate from your tax filing but the penalties for not filing are extreme.
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Ethan Moore
•This is super important. My friend got hit with a $10,000 penalty for not filing FBAR even though he didn't owe any taxes. The IRS and Treasury Department don't mess around with foreign account reporting.
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