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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.
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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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- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
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Luca Romano
3 Why not just hand your parents all your tax forms EXCEPT the 1099 from the donation place, then file an amended return later adding that income? That way your parents never see it but you're still reporting everything to the IRS properly.
Luca Romano
ā¢9 This is actually really bad advice. Filing an amended return to add income you intentionally left off initially could potentially trigger audit flags. The IRS might wonder what other income you "forgot" to report the first time. Better to just do it right the first time.
Luca Romano
ā¢3 I think you're right about the potential audit concerns - I didn't consider that. My suggestion was more focused on privacy than tax optimization. A better approach would be what others have suggested - taking control of your own tax filing this year. Tax software makes it pretty straightforward, and it's an important adult skill to develop anyway.
Luca Romano
16 Another option nobody mentioned - you could just tell your parents you received a 1099 for some freelance work or consulting, but be vague about what exactly you did. "I helped a medical company with some research" isn't exactly a lie. They don't need to know all the specific details, just that you had reportable income.
Luca Romano
ā¢1 I appreciate the suggestion but I'm nervous about even mentioning a medical company. My parents are pretty nosy and would definitely ask a ton of follow-up questions that I'm not prepared to answer convincingly. I think I'm going to go with filing my own taxes this year. It seems like the cleanest solution based on all the advice here. Thanks everyone for the help!
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Tate Jensen
I do mega backdoor Roth conversions every year and here's the simplest way to handle it in H&R Block: 1. Enter your 1099-R information exactly as it appears 2. When you get to the screen asking about the type of distribution, select "Rollover" 3. On the next screen, it should ask if you want to override the taxable amount - select YES 4. Enter zero as the taxable amount 5. Make sure to complete Form 8606 to document your basis The key is that Form 8606 needs to show that you've already paid tax on these contributions. Without that form, the IRS has no way to know that this was after-tax money.
Adaline Wong
ā¢What if I did a direct rollover from my 401k to Roth IRA without going through a traditional IRA first? My 1099-R has code G in box 7 but still has the full amount as taxable. Do I still need Form 8606 in this case?
Tate Jensen
ā¢If you did a direct rollover from a 401k to a Roth IRA, the process is a bit different. Code G indicates a direct rollover, but whether it's taxable depends on whether the 401k portion was pre-tax or after-tax money. If it was after-tax contributions from your 401k going directly to a Roth IRA, then yes, you would still want to override the taxable amount. However, Form 8606 is primarily for tracking basis in IRAs, not 401ks. You'll need to document your after-tax contributions to the 401k separately, usually by providing records from your plan administrator showing which portion was after-tax.
Gabriel Ruiz
Has anyone successfully e-filed with this situation? I'm concerned that if I override the taxable amount to zero when my 1099-R shows the full amount as taxable, my return might get rejected. Should I just file by mail with an explanation letter attached?
I e-filed with this exact scenario last year and had no issues. As long as you complete Form 8606 correctly, the e-file should go through fine. The IRS systems are built to handle this situation because it's actually pretty common with Roth conversions.
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Maya Jackson
If your income was only 11.2k for the year, you're under the standard deduction so you probably won't owe federal taxes. But be careful - if you had any other income (like from investments or side gigs), that could push you over the threshold. Also check if you qualify for tax credits like the Earned Income Credit which could actually get you a refund even if you paid basically nothing in.
Leo McDonald
ā¢I didn't have any other income, just this part-time job. What's the Earned Income Credit? Could I really get money back even though I barely paid anything in? That sounds too good to be true.
Maya Jackson
ā¢The Earned Income Tax Credit (EITC) is designed specifically for lower to moderate income workers. For tax year 2024 (filing in 2025), if you're single with no children and earned around $11k, you might qualify for a small credit - potentially a few hundred dollars. It's a refundable credit, which means you can get it even if you owe no taxes. There are age requirements though - you generally need to be at least 25 and under 65 to claim it without qualifying children. You'll need to file Form 1040 and complete Schedule EIC to claim it. Most tax software will automatically check if you qualify when you enter your information, so it's worth filing even if you don't owe any taxes!
This happened to me last year when I worked a part-time retail job! Turns out I accidentally checked "Exempt" on my W-4 form when I started. When you're exempt, they don't withhold ANY federal income tax. You might wanna check with your HR department to see what your W-4 shows.
Amaya Watson
ā¢Same thing happened to me in college. If you check "Exempt" you need to fill out a new W-4 every year or they automatically start withholding at the highest rate after February 15. Learned that the hard way lol.
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Adriana Cohn
Don't forget about state taxes too! Unemployment is taxable income in most states, but some states actually exempt it. What state are you in? That could make a big difference in what you owe.
I'm in Pennsylvania. I totally forgot about state taxes! Do different states have different thresholds for when you need to file?
Adriana Cohn
ā¢Yes, Pennsylvania does tax unemployment benefits. Their filing threshold is lower than the federal one - you generally need to file a PA tax return if you have more than $33 in total taxable income. Pennsylvania has a flat income tax rate of 3.07%, so you'd potentially owe state tax on your unemployment benefits. There are some credits and deductions available that might reduce what you owe, but you'll definitely need to file a state return in addition to your federal return.
I was in the EXACT same boat last year! Had about $10k in unemployment plus a few hundred from random gigs. Used TurboTax free version and it was pretty easy. Ended up getting a small refund cuz of the Earned Income Credit which I didn't even know I qualified for.
Melody Miles
ā¢TurboTax isn't actually free a lot of times though. They make you upgrade to paid versions for certain forms. I'd recommend FreeTaxUSA instead - it's actually free for federal and only $15 for state.
Emma Wilson
14 Don't forget about identity theft concerns when shredding tax documents! I work in financial security, and you should definitely use a cross-cut shredder, not a strip-cut one. Those tax documents and pay stubs have your SSN, bank account numbers, and everything someone would need for identity theft. Even better, many communities have free shredding events where they bring industrial shredders to a central location. I take all my sensitive documents to these events rather than trying to shred them at home - it's faster and more secure.
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Emma Wilson
ā¢22 This is really good advice. I never thought about the difference between shredders. Are there any warning signs that a community shredding event might not be legitimate? I've seen these advertised but wasn't sure if I should trust them.
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Emma Wilson
ā¢14 Legitimate shredding events are typically sponsored by local governments, credit unions, banks, or established community organizations. Look for events that are regularly scheduled (like annual community shred days), have been running for multiple years, and are held in public locations with official sponsors. Red flags would include events with no clear sponsoring organization, those held in isolated locations, or operations that don't allow you to watch your documents being shredded. Most legitimate services will shred your documents right in front of you in industrial trucks with viewing screens. They also typically provide a certificate of destruction for your records.
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Emma Wilson
3 Something nobody mentioned - if you claimed depreciation on equipment or property, you need to keep those records for 3 years after you file the return for the year you stop using the item or sell it. I learned this the hard way when I got audited for a home office deduction from 5 years prior because I had sold my house!
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Emma Wilson
ā¢7 Oh wow, that's really good to know! I've been depreciating my laptop for my side gig and was planning to get a new one next year. So I'd need to keep all those receipts and depreciation schedules until 3 years after I file taxes for next year?
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