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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 – 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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Be careful about claiming too many travel deductions if your business isn't showing a profit yet! If you have losses for 3+ years, the IRS might classify your business as a "hobby" and disallow all your deductions. Make sure your consulting business shows a genuine profit motive and isn't just a way to write off personal travel.
This is actually a really good point. I got audited last year because I had 4 years of small losses in my photography business, and the IRS questioned whether it was a legitimate business or just a hobby. Had to provide a ton of documentation showing I was actively trying to make it profitable.
Just a heads up that business travel rules got a bit stricter after COVID. Make sure your business travel is truly "necessary" not just "helpful" for your business. The IRS has been looking more closely at home office deductions and business travel since so many people started working remotely. Double check that your trips genuinely qualify before deducting!
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Has your uncle considered converting some of that money to a Roth IRA? He could contribute up to the annual limit ($7,000 for 2025 if he's under 50, $8,000 if he's 50+) and that growth would be tax-free in retirement. Won't solve the whole issue but might help reduce some future tax implications.
That's an interesting idea I hadn't thought about! He's 52, so he could do the $8,000 contribution. Would he be able to just move some of the CD money directly into a Roth or would he need to wait until the CD matures? Also, are there income limits for Roth contributions that might affect him?
He would likely need to wait until the CD matures unless he's willing to pay an early withdrawal penalty, which would probably negate some of the tax benefits. Yes, there are income limits for Roth IRA contributions. For 2025, a single filer starts to see reduced contribution limits at around $146,000 and is completely phased out at $161,000. With his $75K self-employment income plus $12K in interest, he should be well under those limits, so he'd be eligible for the full contribution.
Just a heads up - your uncle might need to make quarterly estimated tax payments on that interest if the bank isn't withholding enough. With $240k at 5%, that's about $12k in interest income, which could mean an extra $3k-ish in taxes depending on his tax bracket.
This is super important advice! I didn't make estimated payments on some investment income last year and got hit with an underpayment penalty. It wasn't huge but still annoying to pay extra for no reason.
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Make sure you're also checking your state tax situation if you moved between states! I moved from Ohio to Pennsylvania last year and had to file partial-year returns in both states. The local city taxes were actually easier to deal with than the state portion.
Thankfully I stayed in the same state, just moved to a different city. But good point about checking state taxes for anyone who crosses state lines! Did your employer automatically split the state tax withholding correctly on your W2?
My employer did split the state withholding correctly, but they messed up the calculation slightly. They withheld at the Ohio rate for too long after I moved to Pennsylvania. I ended up owing a bit to Pennsylvania and getting a slightly larger refund from Ohio. The key is to check the withholding amounts against what you actually owed in each state based on your income during the time you lived there. If you worked remotely at all, it gets even more complicated because some states try to tax you based on where the work was performed while others go by your residence.
Just a tip from someone who processes payroll - make sure your employer has your correct address now! Often when people move, they update their address for W2 purposes but forget to update their local tax jurisdiction with payroll. This can mess up your withholding for next year. Double check your first pay stub of 2025 to make sure they're withholding for the correct city.
This is such important advice! My husband didn't notify his employer when we moved last year and they kept withholding taxes for our old city. Created a huge headache at tax time.
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Has anyone tried just hiring a specialized accountant instead of dealing with this themselves? I'm in a similar situation (Portugal resident, paying health insurance in UK) and finding it impossible to get straight answers from either tax authority.
I did that last year - hired a cross-border tax specialist for my France/Luxembourg situation. It cost about €400 but saved me nearly €2,800 in properly claimed deductions. Make sure you find someone who specializes in BOTH countries though, not just a general "international tax expert.
That's helpful, thanks! €400 sounds reasonable for the peace of mind. Did you find them locally or use an online service? I'm having trouble finding someone who knows both Portuguese and UK tax systems.
Don't forget about SOCIAL SECURITY TREATIES which are different from tax treaties! In my case (Finnish working in Estonia), I couldn't deduct my Estonian health insurance on my Finnish taxes directly, but I could get a certificate of coverage from Estonia that prevented me from having to pay duplicative premiums in Finland. Sometimes the solution isn't getting a deduction for foreign premiums but rather getting an exemption from having to pay them twice. Worth looking into this angle too!
Maya Patel
FreeTaxUSA is great for simple returns but if you have an HSA, just double check everything carefully. I used them last year and somehow my HSA contribution didn't get properly reported even though I swear I entered it. Ended up having to file an amendment which was annoying. Not saying don't use them, just verify all the numbers on the final PDF before submitting. Their interface for the HSA section is a little confusing with the contribution vs distribution sections.
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Aiden Rodríguez
•Do they charge extra for amending returns? I know TurboTax hits you with another fee if you need to correct something after filing.
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Maya Patel
•They do charge for amendments, I think it was about $15 when I did mine. Still cheaper than most other places, but definitely an extra expense I wasn't planning on. The process wasn't too difficult though - you basically just go through their amendment section, fix what was wrong, and they generate the proper 1040-X form. Just make sure to print and mail it rather than e-file, since the IRS still requires paper amendments in most cases.
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Emma Garcia
I'm going against the grain here but I still use H&R Block's software (not their in-person service). Yes it's more expensive but I've had issues with state returns on the cheaper services. H&R had better guidance for my state's weird local tax rules. If ur taxes are super basic FreeTaxUSA is fine but sometimes the extra $40 is worth the peace of mind.
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Ava Kim
•What state are you in? I'm in Pennsylvania and our local taxes are a nightmare with all the different municipality rates.
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