2015 AOR - 未名空间MITBBS历史存档

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2015 AOR

2015 AOR# Money - 海外理财

y*i2015-05-24 07:05

1 楼

1. Citi Prestige - 50,000 TYP, $350 AF
$30,000 CL, opened Citi Gold w/ 40,000 TYP bonus first, funded $35,000 using
Arrival +
2. BBVA NBA AMEX - $100 bonus, 5% everything two times every year, $0 AF
$10,000 CL
3. Wells Fargo visa signature - 5% Drug/Grocery/Gas for 6 months, $0 AF
$15,000 CL

y*n2015-05-24 07:05

2 楼

pai

b*g2015-05-24 07:05

3 楼

排

b*k2015-05-24 07:05

4 楼

pai

L*Y2015-05-24 07:05

5 楼

cl都是论万

using

【在 y****i 的大作中提到】

: 1. Citi Prestige - 50,000 TYP, $350 AF
: $30,000 CL, opened Citi Gold w/ 40,000 TYP bonus first, funded $35,000 using
: Arrival +
: 2. BBVA NBA AMEX - $100 bonus, 5% everything two times every year, $0 AF
: $10,000 CL
: 3. Wells Fargo visa signature - 5% Drug/Grocery/Gas for 6 months, $0 AF
: $15,000 CL

e*a2015-05-24 07:05

6 楼

congrats!
citi gold月费30吧，laoyu打算拿到点就关么

using

【在 y****i 的大作中提到】

g*52015-05-24 07:05

7 楼

Bao zi

S*i2015-05-24 07:05

8 楼

pai

y*i2015-05-24 07:05

9 楼

of course

【在 e***a 的大作中提到】

: congrats!
: citi gold月费30吧，laoyu打算拿到点就关么
:
: using

p*y2015-05-24 07:05

10 楼

find前是要把ca降到0吗

y*i2015-05-24 07:05

11 楼

no need

【在 p******y 的大作中提到】

: find前是要把ca降到0吗

kr2015-05-24 07:05

12 楼

about wf, first 6 months each year or just one time?

using

【在 y****i 的大作中提到】

y*i2015-05-24 07:05

13 楼

one time deal

【在 kr 的大作中提到】

: about wf, first 6 months each year or just one time?
:
: using

p*y2015-05-24 07:05

14 楼

所有银行的信用卡fund新的checking都不算ca？

【在 y****i 的大作中提到】

: no need

kr2015-05-24 07:05

15 楼

thanks

【在 y****i 的大作中提到】

: one time deal

t*32015-05-24 07:05

16 楼

Citi checking 现在还发不发1099？

using

【在 y****i 的大作中提到】

e*a2015-05-24 07:05

17 楼

so nice
u can fund 35k why then not use the boa for %2.6 instead of the arrival %2.2?

【在 y****i 的大作中提到】

: of course

y*i2015-05-24 07:05

18 楼

1. BofA card is new, and has much lower CL
2. Arrival + has been proven to be safe

.2?

【在 e***a 的大作中提到】

: so nice
: u can fund 35k why then not use the boa for %2.6 instead of the arrival %2.2?

e*a2015-05-24 07:05

19 楼

thanks!
wann try this route as well some day....how long do u think citi checking
and prestige offer will last?

【在 y****i 的大作中提到】

: 1. BofA card is new, and has much lower CL
: 2. Arrival + has been proven to be safe
:
: .2?

y*i2015-05-24 07:05

20 楼

Citi Gold expires 6/30/15
Citi Prestige unknown

【在 e***a 的大作中提到】

: thanks!
: wann try this route as well some day....how long do u think citi checking
: and prestige offer will last?

y*i2015-05-24 07:05

21 楼

there are conflicting reports
I tend to believe that Citi issues 1099-MISC when you redeem more than $600
in a calendar year
there are taxable and non-taxable TY points, so it is complicated

【在 t****3 的大作中提到】

: Citi checking 现在还发不发1099？
:
: using

e*a2015-05-24 07:05

22 楼

credit cards bonus is non-taxable
cheking/savings bonus is taxable
but under $600 is no report
is what I hear

600

【在 y****i 的大作中提到】

: there are conflicting reports
: I tend to believe that Citi issues 1099-MISC when you redeem more than $600
: in a calendar year
: there are taxable and non-taxable TY points, so it is complicated

a*t2015-05-24 07:05

23 楼

my understanding is any bonus not considered a rebate on your spending is
taxable. that is why some checking savings bonuses are taxable, where credit
card spend bonuses usually are not.

【在 e***a 的大作中提到】

: credit cards bonus is non-taxable
: cheking/savings bonus is taxable
: but under $600 is no report
: is what I hear
:
: 600

y*i2015-05-24 07:05

24 楼

I think it becomes taxable when you redeem the points/miles earned from citi
checking bonus
that's probably why certain points cannot be transferred to another person
when you have a mixed bag of TY points, it is not clear to me how citi does
the accounting

【在 e***a 的大作中提到】

: credit cards bonus is non-taxable
: cheking/savings bonus is taxable
: but under $600 is no report
: is what I hear
:
: 600

e*a2015-05-24 07:05

25 楼

this makes sense
how do u plan to use your typoints?
redeeming miles is tricky, citi could tax u on the face value of air ticket,
not the miles count

citi
does

【在 y****i 的大作中提到】

: I think it becomes taxable when you redeem the points/miles earned from citi
: checking bonus
: that's probably why certain points cannot be transferred to another person
: when you have a mixed bag of TY points, it is not clear to me how citi does
: the accounting

y*i2015-05-24 07:05

26 楼

plan to use these 40,000 TYPs to buy AA tickets in two separate years
for example, 1.6c/pt x 20,000 = $320 each year

ticket,

【在 e***a 的大作中提到】

: this makes sense
: how do u plan to use your typoints?
: redeeming miles is tricky, citi could tax u on the face value of air ticket,
: not the miles count
:
: citi
: does