m*a
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除了citi signup bonus, AA mile不是很好得到。注意到bankdirect有个account能得
到AA miles，所以分析了一下
http://www.bankdirect.com/products/checkingmileage.aspx
背景:
1. 里程估价：US-China round trip costs 70K AA miles或者$1.2K on average。 因
此我对AA mile的估价是1.7cent/mile (如果你兑换Biz class or first class，这个
数字好看多，但我个人不会用）
2. 利息：monthly 0.1K AA miles/$1k (up to $200K deposit)。这里忽略那些one-
time奖励，因为时间长就average掉了。
核心公式：
The Annual Pecentage Yield
=(X*0.1*12*0.017-144)/X
=2.04%-144/X
"X" is the dollar amount you keep in the account
举例：
$10K monthly balance => APY=2.04%-144/10K =0.6%
$50K monthly balance => APY=2.04%-144/50K =1.75%
$100K monthly balance => APY=2.04%-144/200K =1.9%
换个角度, to have 1% APY, you need to maintain at least $14K balance.
对比：
My local credit union has saving account with consistent 1% APY.
其他：
1. AA miles毕竟不是钱，在没凑够下一张机票前，没啥用。FYI, $50K一年产生60K AA
miles.
2. AA miles也许不用交利息税(?)
大家怎么看?我是mild，应该看你的平日的流动资金有多少。
到AA miles，所以分析了一下
http://www.bankdirect.com/products/checkingmileage.aspx
背景:
1. 里程估价：US-China round trip costs 70K AA miles或者$1.2K on average。 因
此我对AA mile的估价是1.7cent/mile (如果你兑换Biz class or first class，这个
数字好看多，但我个人不会用）
2. 利息：monthly 0.1K AA miles/$1k (up to $200K deposit)。这里忽略那些one-
time奖励，因为时间长就average掉了。
核心公式：
The Annual Pecentage Yield
=(X*0.1*12*0.017-144)/X
=2.04%-144/X
"X" is the dollar amount you keep in the account
举例：
$10K monthly balance => APY=2.04%-144/10K =0.6%
$50K monthly balance => APY=2.04%-144/50K =1.75%
$100K monthly balance => APY=2.04%-144/200K =1.9%
换个角度, to have 1% APY, you need to maintain at least $14K balance.
对比：
My local credit union has saving account with consistent 1% APY.
其他：
1. AA miles毕竟不是钱，在没凑够下一张机票前，没啥用。FYI, $50K一年产生60K AA
miles.
2. AA miles也许不用交利息税(?)
大家怎么看?我是mild，应该看你的平日的流动资金有多少。
