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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 post tips & tricks to help folks.
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StarSurfer
One thing nobody's mentioned yet - KEEP RECORDS OF EVERYTHING. If you've submitted your Schedule C, make copies of absolutely everything you sent. When I went through this, the IRS "lost" my first response and claimed they never received it. Luckily I had certified mail receipt and copies of everything. Also, don't forget to look into abatement of penalties. If this is your first offense and you have a good history of filing and paying taxes on time, you can request "first-time penalty abatement" which can potentially remove the failure-to-pay penalties. Won't help with the interest, but could save you a decent chunk of money.
Amina Bah
ā¢I did keep copies of everything and sent it certified mail, so I have tracking confirmation they received it. Thank god for that tip! How exactly do I go about requesting this first-time penalty abatement? Is that something I can do now or do I need to wait for their response to my Schedule C submission?
StarSurfer
ā¢You'll want to wait until you get their response to your Schedule C submission, as that will have the updated amount they believe you owe, including any penalties. Once you receive that, you can call the IRS (or use a service to get through) and specifically request "first-time penalty abatement" if you qualify. To qualify, you generally need to have had no penalties in the past 3 tax years and have filed all required returns and paid (or arranged to pay) any tax due. If approved, they'll remove the failure-to-file and failure-to-pay penalties, which can sometimes be a substantial portion of what you owe. Just be sure to specifically use the phrase "first-time penalty abatement" when requesting it, as some representatives won't offer it unless you ask.
Don't panic about the initial amount they say you owe! My CP2000 initially said I owed $23k and after submitting my Schedule C with all my expenses, it went down to $4.5k. Make sure you're claiming EVERY legitimate business expense. Some expenses people often forget: home office deduction (if applicable), portion of cell phone and internet bills, professional development/training, subscriptions related to your work, software, professional services (like accounting), bank fees for business accounts, and depreciation of equipment.
This is key advice. When I got my CP2000 for some freelance work, I initially only claimed the obvious expenses. After doing more research, I realized I could legitimately claim partial use of my vehicle, a portion of my utilities since I worked from home, and even some travel expenses for meetings with clients. Cut my tax bill by more than half.
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Jay Lincoln
One thing I learned the hard way - if your PayPal account is registered as a personal account rather than a business account, switch it NOW. PayPal has been cracking down on people using personal accounts for business transactions and can freeze your funds. Also, you might want to look into getting a separate bank account for your business income. It makes tracking expenses WAY easier come tax time, and it's what my accountant recommended when my side hustle started making regular money.
Does having a separate business bank account mean you need to register as an LLC or something first? Or can you just open another personal account and use it for business?
Make sure you're putting aside enough for taxes as you go! When I started my side hustle, I didn't save anything and got DESTROYED at tax time. Now I automatically move 30% of all my side income into a separate savings account the moment I get paid. The self-employment tax (15.3% for Social Security and Medicare) on top of regular income tax is what catches most people off guard. Plus, your side hustle income might push you into a higher tax bracket for your overall income. Also worth noting - you might qualify for the Qualified Business Income deduction which can give you a deduction of up to 20% of your net business income. Definitely look into that!
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Just as a data point, I've had a Solo 401k with Vanguard for about 5 years now with both traditional and Roth components. They automatically set both up under the same plan number but with different account numbers. From what I understand, this is standard practice and the correct way to do it. The plan number is what identifies your retirement plan as a whole to the IRS, while the account numbers are just for the financial institution's internal tracking. Definitely get them matched up before you have to file any Form 5500 paperwork.
Thanks for sharing your experience! Do you know at what point I would need to file Form 5500? I thought solo 401ks were exempt from that unless the assets exceed $250,000?
You're right that solo 401ks are exempt from Form 5500 filing requirements until your total plan assets exceed $250,000. Once you cross that threshold, you'll need to file Form 5500-EZ annually. Even if you're below that threshold now, it's still good practice to have your plan documentation consistent and organized from the beginning. Makes life much easier if/when you do eventually need to start filing, and prevents headaches if you ever get audited or need to roll the accounts over to a different provider.
Ellie Perry
I'm surprised nobody mentioned this yet, but you might want to double check if your E-Trade solo 401k plan document actually allows for Roth contributions in the first place. Some off-the-shelf solo 401k plans don't include this option unless specifically elected. If your plan document doesn't include the Roth option but you've been making Roth contributions, that could be a bigger issue than just having different plan numbers.
This is an excellent point. When I set up my solo 401k with Schwab, I initially assumed I could make both traditional and Roth contributions, but it turned out their standard plan document didn't include the Roth option. Had to specifically request an amendment to add that feature.
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Omar Fawaz
Another thing worth mentioning about the IP PIN - you need to make sure your address is updated with the IRS if you've moved recently. I moved last year and didn't update my address with the IRS (only with USPS), and my IP PIN letter went to my old address. When I tried to file, I realized I didn't have the PIN and couldn't retrieve it online because the system was down. Ended up having to file a paper return which took almost 6 months to process and get my refund. Lesson learned: Keep your address updated directly with the IRS, not just with postal service forwarding!
Is there an easy way to update your address with the IRS? I just moved last month and didn't even think about this issue.
Omar Fawaz
ā¢There are a few ways to update your address with the IRS. The easiest is probably submitting Form 8822 (Change of Address) directly to the IRS - it's a simple one-page form you can download from their website. You can also update your address when you file your next tax return, but that might be too late if you've already moved and are waiting for important documents like your IP PIN. Another option is to call the IRS directly, but as others have mentioned in this thread, getting through can be challenging during busy periods.
Diego Vargas
Quick question - I've heard that getting an IP PIN means your returns will be processed more slowly. Is that true? I usually get my refund pretty quickly and don't want to delay things if I don't have to.
That's actually a misconception. Having an IP PIN doesn't slow down the processing of your tax return as long as you enter it correctly when filing. In fact, it can potentially speed things up because your return won't be flagged for additional identity verification that might otherwise be triggered.
Chris King
Look into whether your Cash App account is personal or business. I accidentally set mine up as a business account years ago and didn't realize it until I got hit with a 1099-K. All my friend payments were being flagged as business income! You can check in your profile settings. If it's set as business, you might want to create a new personal account for your roommate transactions and keep them separate.
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Anthony Young
ā¢Wait how do I even check this? I literally just signed up with my email years ago and never thought about it. Is there a specific setting I need to look for?
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Chris King
ā¢Go to your profile icon, then "Personal" at the bottom. If you see an option that says "Switch to Business" then you're currently on a personal account which is good. If it says something like "Business Settings" or shows a business name, then you have a business account. Cash App also has colors - personal accounts are usually green while business accounts are typically black. Double check this ASAP because it makes a huge difference in how your transactions are reported!
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Rachel Clark
My roommate and I started using Venmo instead of Cash App because we heard they have clearer distinctions between personal and business transactions. Anyone else switch platforms to avoid this issue?
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Zachary Hughes
ā¢All the payment apps have to follow the same IRS rules now. Venmo, PayPal, Cash App - they all report when you hit $600 in goods/services. Switching platforms won't help unless you're making sure to use personal payment options.
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