Відео

May I ask how this works if my spouse does not make any income (she's a student) and I would like to contribute to her Roth? We filed jointly last year.

I am thinking of keeping my Surpass and getting Chase Sapphire Reserve. If the premise is that daily spend on Surpass is almost always or equal to Aspire, then having the Aspire for the free night and Diamond for $550 doesn’t get you much. If you put $40K on the Surpass, then there’s Diamond with lots of Hilton points. CSR provides value on certain other spends and allows flexibility on when you earn the free night. Flying twice a year, the Aspire, to me is a $450 card. The Chase SR, after the $300 travel credit is $250 and includes lounge access.

Is there a best strategy to keep/renew the pass after the first time you get it?

If i have a Surpass and an Aspire, would I ever get an upgrade offer to make the Surpass an Aspire? Thanks

Can you explain what would happen if you did incur capital gains on the non deductible contribution to the traditional ira before converting it to Roth? If you can’t convert all the money in that account, what happens the next year when you go to contribute to the traditional ira again but there’s some untaxed money remaining in there?

I am planning to do this sequence. Year 0 - Get Amex Brilliant and Business to start with Platinum status and get to Titanium status. Year 1 - Downgrade Amex Brilliant to Amex Bonvoy Year 2 - Get Chase Boundless Assuming I am applying for Chase card 24 months after Amex Brilliant to get sub. however as per chase boundless rule, there is no sub on chase Boundless if you had the $95 Amex bonvoy card in last 30 days. What to do with Amex Bonvoy card in this situation? Options 1) Cancel Amex Bonvoy, wait 30 days, apply Chase Boundless, and try for reinstatement for Amex Bonvoy 2) Cancel Amex Bonvoy, wait 30 days, apply Chase Boundless, and forget about Amex card. 3) Upgrade to Brilliant Card, wait 90 days, apply Chase Boundless and downgrade the Brilliant

Hi Stan, I think you should consider adding the new Citi strata premier as a part of your core. It gives you a distinct gas and grocery category that is useful abroad. I am not sure how the mobile wallet would do internationally.

First

I once applied for the Surpass card 3 times in one day and got pop-up jail twice but still able to got the card without pop-up jail at the end. 1st: Pop up jail using my Wife referral link. 2nd: Pop up jail using no referral link. 3rd: Finally, using my brother referral link work. All of these is in a span of 10 minutes. So you can add in referral link sources too for some reason. So from that point on, I tried to use all sources to applied for the card that I really need before giving up and then try again in a few days using the same method. Work so far for Amex Green, Amex Hilton Bus, Delta Gold & Plat.

Seems to overlap a lot with the autograph's transit category. Would be great if wf replaces the autograph's transit category with grocery in the future but it is highly unlikely.

I have a big balance on my card currently with 0 APR and can’t pay it off, and the intro period ends in 2 months. Should I get a 0% APR card again and do a balance transfer to the new card to avoid interest?

Great video Stan! Very informative!

Sending this to my mom because she thinks $20k is "not that much in the long run" 🤦

i contributed directly to a roth ira in both 2023 and 2024. when i did my 2023 taxes, i came to learn that for 2023, i was above the income threshold for contributing directly into roth. i expect this to be true for 2024 as well - so, for 2024, should I move the money out of the roth ira before following the process in the video?

As an active military member it's pretty great

I have had no luck with using the resort credit. I went in to the LasVegas Hilton front desk and asked if i could buy a gift card. They said that they dont do that. I called the Hilton HawaiHawaiian Village to ask if i could put money towards my incidentals for my upcoming stay in July. They said no. I could only prepay resort fees and charges for the room . Because i paid with points i could not put money towards anything. I also spent some money in Fred SEgal which is inside the LasVegas Hilton. It has always coded as a hilton purchase before on my surpass card and i did get the $50 credit on that card but not on the aspire.

Wouldn’t white gold just look like platinum?

U look good, bold try it😊

What happens to the interest earned during the process? Isnt it bad when your traditional account makes money, and then that's moved to a Roth?

If you had to choose one, would you do the ritz Carlton or Bonvoy brilliant?

You lost me at Wells Fargo

So, the Savor One card is a cashback card that gets 1 CPP not 0.5 CPP.

Hi Stan, love your videos. Just FYI, as of Aug 2023 BOA Customized Cash Rewards online shopping includes streaming. So, anything the Amex doesn't cover with credits, you may want to pay with the Customized Cash one. Cheers

Hey Stan any chance you can make another USBAR video? I really don’t know who the card is exactly for, and more importantly when I’m your credit card Journey you should try to get it. It’s a confusing card honestly

They need to upgrade the welcome offer

Good, logical info. Diminishing returns when you add cards for category bonuses.

I think I will just sign up for the bonus and then use it only once a month for my free $2 item.

funny that EV is planet friendly when it is one of the least planet friendly things out there.

This is also great info especially for those who are avid Disney people

Isn't making a HSA contribution up to the max in January risky? If you switch health plans to a non-HSA eligible plan within the year, you would have overcontributed as HSA limits are prorated based on the length you were eligible

Good analysis as always! It is also not the card for us, for many of the same reasons. One thing that surprised me is that fact that you use BofA PRE for Uber? Why not use USBAR with Apple Pay from within the app for 4.5x vs 3.5x ? Am I missing something here. EDITS: spellings.

Durrrrrrrr

I know this is an older video but I’m about to start a relationship with US Bank to one day open a US Bank Altitude Reserve and I want to get the checking bonus so I’m hoping anyone with experience can clarify: Are all bank to bank ACH transfers considered direct deposits? If not, which ones qualify?

That's good and all, but it's still a steaming pile of Wells Fargo excrement.

Stan do you cash you bofa points out or do you use the benefit on your PRE for the discount on flight redemptions? Your value on the usbar includes its redemption multiplier but not the PRE so just curious if you find that benefit to be not worth it. Thanks!

While this card is not for me; if it allows points to transfer over to the autograph I could see how Wells is coming out on top. Multiple cards that cover just about every expense + good multipliers can keep some having a Fargo only setup assuming they like the transfer partners.

Monthly family gym membership, weekly/bi-weekly movie theater visits, sounds like a good setup with my no AF Autograph card. I do wonder though if the 4% cash back work with the spending that we do for my kids sports activities throughout the year. Stan, always good to see your content brother. Keep it up.👍🏾

If this catches on at all with people who actively use more than 1 credit card, I expect to see it nerfed in a year or two. Unlimited 4% rebate is a loss leader and I can’t imagine a bank being interested in losing money long term.

Until @SouthwestAir fixes their abhorrent preboarding process I don’t care how many perks they shove onto a card.

Love how you broke down your own spending in analyzing the card's value for you. While this is important to do for any card, I think it's especially so for the Attune since there are just so many categories, many of which are quite niche. And yes, Swifties will be very intrigued with this card haha. Awesome stuff Stan!

👍

Amex play and gold are keeper cards if you get use out of the credits anyways then you just net even and gain more points, quite simple really. Amex are the only AF cards that are worth the money and keeping open. Chase cards are garbage and the rest don’t compare, and I’m not even an Amex fan boy just the reality of it. You use Hulu and Uber and travel one time in a year auto keeper plat. You eat food and shop for food like any human then the gold is a keeper, you vacation once a year well then the Hilton is an easy pick up. Simple, if you have the money to spend amex is the best with no completion. I spend 6k on AF cards and get about 10k in value from them and enjoy yeh status.

Sad im currently living outside the country so this one has foreign transaction fee so its a no for me

I have not seen a single person mention that Wells Fargo just gave us 4x back on Pokemon Cards from TCG Player 😂 It's game over lol