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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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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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Don't forget about municipal bonds! The interest is often exempt from federal taxes and sometimes state taxes too if you buy bonds issued in your state. They typically have lower returns than corporate bonds, but the tax advantages can make up for it depending on your tax bracket.
Tate Jensen
ā¢Are these easy to buy? Do you just get them through a regular brokerage account or is there some special process? Always been confused about bonds in general.
You can buy municipal bonds through most regular brokerage accounts like Fidelity, Vanguard, Charles Schwab, etc. No special process needed. Many people find it easier to invest in municipal bond funds rather than individual bonds - they provide diversification and are more liquid. Just be aware that while the interest is tax-exempt, if you sell the bonds before maturity at a profit, you may owe capital gains tax on that profit. Also, some municipal bond interest can trigger the Alternative Minimum Tax (AMT) if you're subject to it, so look for bonds specifically labeled as "AMT-free" if that's a concern for you.
Adaline Wong
Has anyone tried Series I Savings Bonds? The interest is exempt from state and local taxes, and you can defer federal taxes until you cash them out. With inflation lately they've been paying decent rates too.
Gabriel Ruiz
ā¢I bought some last year! Really easy through TreasuryDirect.gov though their website looks like it's from 1997 lol. You can put in up to $10k per person per year. The interest rate adjusts with inflation every 6 months. Definitely a good place to park some money that's safe from both market fluctuations AND taxes.
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Lots of good advice here but I wanted to add that if you do your own taxes, you can also deduct things like tax publications, tax software, and even a portion of your computer expenses if you use it to prepare your Schedule C. My accountant showed me how to properly document this stuff last year and it added up to a decent deduction.
Does this apply to online tax courses too? I took a short course specifically to learn about self-employment taxes for my Etsy shop.
Yes, courses specifically focused on business taxes for your self-employment activities would generally be deductible as a business expense. A tax course that teaches you how to handle Etsy shop taxes would be considered an ordinary and necessary business expense since it directly relates to your business operations. Just make sure to keep good documentation of the course, including the syllabus or description showing it was focused on business tax topics relevant to your specific situation. Also save your receipt or proof of payment.
I'm in exactly the same boat - regular job plus Uber driving. My accountant charged me $350 and said I could deduct 40% of her fee on Schedule C. She said she bases this on the extra forms and time required for the self-employment portion. Been doing it this way for 3 years with no issues.
Ava Harris
ā¢Your accountant gives you a specific percentage? Mine just tells me "some of it is deductible" without any clear guidance. Maybe I need a new accountant lol.
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As someone with severe anxiety myself, getting a dedicated accountant changed my life. Not H&R Block, not a random CPA, but someone I actually connected with who understood my anxiety. I interview several until I found someone who didn't make me feel stupid for my questions.
Zara Ahmed
ā¢How did you find your accountant? Did you just google local CPAs or was there a better way to find someone who specializes in working with anxious clients?
Luca Conti
Have you considered having a friend or family member sit with you while you use one of the DIY software options? Sometimes just having moral support helps with the anxiety, and most tax software is actually pretty straightforward if you take it one step at a time.
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Emma Garcia
I'm surprised your tax person doesn't know this. It's Roth IRA 101. You absolutely CAN withdraw your contributions (not earnings) at any time without penalty or tax. That's one of the main benefits of a Roth IRA vs Traditional! The issue is probably that your 1099-R doesn't specify whether it's contributions or earnings being withdrawn. The IRS assumes it's proportional unless you document otherwise. Make sure you file Form 8606 with your taxes to properly indicate these were contribution withdrawals.
Ava Kim
ā¢What's Form 8606? My tax software never prompts me for this when I enter my Roth info. Is this something I need to fill out separately?
Emma Garcia
ā¢Form 8606 is used to report nondeductible contributions to traditional IRAs and distributions from Roth IRAs. Most tax software should prompt for it when you enter a 1099-R for a Roth distribution, but sometimes you need to specifically look for it or indicate you want to file it. It's important because it helps track your "basis" (the amount you've contributed) in your IRAs, which determines the taxable portion of future distributions. For Roth withdrawals, it helps document that you're taking out contributions (not taxable) rather than earnings (potentially taxable). If your software doesn't automatically include it, you can usually find it in a forms search and add it manually.
Quick tip for the future - keep meticulous records of all your Roth IRA contributions by year! I've been doing this in a simple spreadsheet since I opened mine in 2010. Makes it super easy to prove to the IRS that withdrawals are from contributions. My brokerage's year-end statements don't clearly track cumulative contributions vs. earnings, so having my own records has saved me several times. Just note the date, amount, and tax year for each contribution. Takes 30 seconds each time but saves major headaches later.
Layla Mendes
ā¢Do you know if there's any way to get this historical info if you haven't been tracking it? I've had my Roth since 2017 but never kept records myself.
Diego Ramirez
If you're in sales at a dealership, check if you've had any recent chargebacks. When customers cancel extended warranties or gap insurance after the sale (they have a window to do this), the commission gets pulled back from whoever sold it. At our dealership this shows as "customer item" on our checks.
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Emma Wilson
ā¢Thanks for the suggestion! I haven't sold any extended warranties that I know of, but I did have a couple customers who got gap insurance. Do you know how long that cancellation window typically is? And would they typically tell me if a customer cancelled, or does it just show up as a deduction?
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Diego Ramirez
ā¢The cancellation window varies by product and state, but typically ranges from 30-90 days for most F&I products like gap insurance. Some states allow cancellations up to a year in certain circumstances. Unfortunately, most dealerships don't proactively inform salespeople about cancellations. The F&I department processes the cancellation, accounting adjusts the commission structure, and payroll just applies the deduction. It's a terrible system that leaves salespeople confused. This is definitely something to ask your finance manager about - they should be able to link that specific deduction to a customer's canceled product.
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Anastasia Sokolov
look at ur employee handbook bro. my dealer takes $$ out when we damage cars or if a customer complains about something i did. could be that maybe?
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Sean O'Connor
ā¢I second this! My dealer takes $25 out every time we get a low survey score from a customer. Shows up as "customer satisfaction adjustment" tho. Ask your sales manager for real.
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