I love credit cards so much! v2.0 (see first page for add'l details)

[kidsfirsttrip]

I had the same issue a few months ago. $8 left on a $200 card. No person answers on the call. I mailed in my walMart receipt and info. No response.

Ugh yeah I’m not super hopeful. Glad it wasn’t more $$

 

[CyndiLouWho]

We don't get them in our current house. We used to get them in our old one but the basement was not finished so there were lots of entry points and we backed to a field. Current house has finished basement and is brick. We've not seen one inside in the 6 years we've lived here. BUT we do see them outside occasionally. Thankfully both our next door neighbors have outdoor cats and they definitely keep an eye on things for us. We mostly find mice carcasses in our yard (and bird and bunny)...

My sister’s brand new house, finished basement, etc has mice. Despite Terminex and another exterminator they get in. Usually in the fall. Exterminator blames attached garage, but they also found one or two dead in basement wall when they tore it down.

 

[amalone1013]

I’ll be at Disney Saturday and Sunday. I love how points gives us the flexibility to book flights for a weekend getaway. We just booked this yesterday lol Staying at movies for $145 in a preferred room. We want to check out festival of the arts.

Ahhhh can we join you? I keep looking and looking but haven't found a weekend/hotel/flight pricing that works for us

 

[CyndiLouWho]

Our 6 pound cat is very skittish but can catch anything. She caught a rabbit last year that was so big she was having to hold her head way up in the air to try to carry it around. She brought a live squirrel in the house last year when I had the storm door open during nice weather. She also likes to catch baby snakes in the spring and tie them in a knot. Never understood it, but every single one she ties in a knot and leaves on the porch dead.

Now our other cat, who is fearless, could have a mouse run right by her and she'd just look at us like "what do you want me to do about it?"

We have a dog who is quite the catcher. We had a few mice come in last fall and she didn’t find those, so maybe she’s slowing down a bit (15+ years) Over the years she’s caught rabbits, possums, squirrels, birds, skunks (that was a fun summer, not) and tangled with a raccoon. She almost caught the neighbor’s cat but fortunately when pursuing the cat, she jumped the fenced and got wedged between our fence and the neighbors (neighbors put a 6 foot wooden fence 6 inches from our chain link) and had to be hauled out.

 

[mhartman09]

I told Dh that I almost cried when we walked into the lobby here. When we got to cbr no one even acknowledged us. When we got to pofq they welcomed us and gave us beads and took us to the check in desk.

Since we stayed at POFQ over Christmas it has become one of my favs!!!

 

[CyndiLouWho]

to having them in your car for so long to do that much damage!! Though that reminds me of the funniest thread I think I have ever read on the DIS, I don't know why it makes me laugh so much. Most of you are probably too new to have read it, it is an old one. Search "run like the wind fat man" It still makes me laugh.

OMG that was so funny. Best laugh all day. thanks !

 

[gottalovepluto]

*Sorry ahead for the long story*
We rented a sea raycer today and it was one of the best things I’ve done at Disney. We just signed up for half an hour. While we were in the water we noticed a bunch of speedboats driving past. Turns out a transportation boat at hs was on fire and smoking so they had to go help. These sea raycers are tiny boats and we are full grown adults so it was tight. Near the end of our time a speedboat came around the corner and the wake was large. We went over it and water filled into our boat lol. We were completely drenched but we thought it was funny. The manager at the boat rentals said our rental was free and even bought us lunch at hurricane Hanna’s. I told him he didn’t have to because it actually made it more fun for us but he insisted. Anyway, everyone should rent a sea raycer but your experience might not be as exciting

Omg I would have freaked the heck out! (Because Gators, which my head says gators stay away from loud noises but my brain goes 'omg SO big & SO many teeth!!' Yeah, common sense can't beat my gator fear ) Glad you had a great time with it all, sounds like an adventure!

 

[kidsfirsttrip]

So WM was useless. Fill out a fraud form, give them 30 days. Lesson learned........

 

[Andysol]

Amex reportedly sending out 1099s for referral bonuses. Only one person so far but.... [insert bad language of your choice here] https://www.reddit.com/r/churning/comments/aloevw/discussion_thread_january_31_2019/efga3pz/

ETA: comments on reddit lots of people are getting them soon as seen in informed delivery. Appear to be going out for all cards folks. 1cpp on everything except for Hilton which is 1.25cpp.

I read the DoC post about the 1099's and what's being discussed on reddit. It said some are considering accounting for the AF since if you didn't have the AF you can't get the referral, which is also why some don't think it should be taxable because again you can't have one without the other.

I don't want to wait until March to do my taxes but I'll at least give it a little while to all shake out.

What a day, right? The DoC post linked my post on Reddit here:
https://www.reddit.com/r/churning/comments/alrn12/amex_1099_reporting_thread/efgkeoj/

It’s not as bad as it initially looks, but everyone, at the very least, should adjust the values to fair market value. It’s legal, allowed, justified and can be proven. AMEX should be 0.6cpp and Hilton .5cpp. I haven’t found a way to prove Marriott or delta at Under 1cpp, so you may have to eat that.

Using 80k Hilton valued at $1000 $500

If standard deduction:
Line 21 put 1099 amount of $1000 $500
Line 21 put adjusted amount of -$100 (.5cpp x 80k is $400 so $100 is the difference in $500 and $400).

If itemized deduction:
Line 21 put 1099 amount of $1000 $500
After line 35 put $100 as your adjustment.

That’s worst case scenario that everyone should do.

What everyone should also consider doing is arguing with AMEX about the valuations. That would make it even easier. Additionally, arguing .5cpp and .6cpp for Hilton and MR gives you a paper trail for trying to argue with the issuer. Be sure to include the print outs and purchase prices that I put in the Reddit thread.

Me? I *am* going to deduct my annual fees. In particular ones like my Hilton businesses which I had only for referrals in the first place. I have a Hilton aspire, why do I need a biz? This is something you can ask your CPA about for your own comfort level. After consulting with mine, I’m doing it. I’m not taking it to $0, but I’m going to get it as close to it as I can. I’m on the hook for around $7k for AMEX Referrals.

 

[palhockeymomof2]

What a day, right? The DoC post linked my post on Reddit here:
https://www.reddit.com/r/churning/comments/alrn12/amex_1099_reporting_thread/efgkeoj/

It’s not as bad as it initially looks, but everyone, at the very least, should adjust the values to fair market value. It’s legal, allowed, justified and can be proven. AMEX should be 0.6cpp and Hilton .5cpp. I haven’t found a way to prove Marriott or delta at Under 1cpp, so you may have to eat that.

Using 80k Hilton valued at $1000

If standard deduction:
Line 21 put 1099 amount of $1000.
Line 21 put adjusted amount of -$600 (.5cpp x 80k is $400 so $600 is the difference in $1k and $400).

If itemized deduction:
Line 21 put 1099 amount of $1000
After line 35 put $600 as your adjustment.

That’s worst case scenario that everyone should do.

What everyone should also consider doing is arguing with AMEX about the valuations. That would make it even easier. Additionally, arguing .5cpp and .6cpp for Hilton and MR gives you a paper trail for trying to argue with the issuer. Be sure to include the print outs and purchase prices that I put in the Reddit thread.

Me? I *am* going to deduct my annual fees. In particular ones like my Hilton businesses which I had only for referrals in the first place. I have a Hilton aspire, why do I need a biz? This is something you can ask your CPA about for your own comfort level. After consulting with mine, I’m doing it. I’m not taking it to $0, but I’m going to get it as close to it as I can. I’m on the hook for around $7k for AMEX Referrals.

Oh wow...$7k in referral....that’s awesome....appreciate the detailed write up...the only referral we had was DH referring me to the SPG Business so 20k Marriott points..which I guess would be $200 on the 1099...so far haven’t received anything

 

[StephPlum]

UGH. I don't think my Chase push to my new PNC account is a DD. It is showing on the transactions as JP MORGAN CHASE TRANSFER. And I didn't get an email that a direct deposit is on my account. It isn't hard to do through work but I had hoped it would have just worked with a Chase push.

 

[StephPlum]

What a day, right? The DoC post linked my post on Reddit here:
https://www.reddit.com/r/churning/comments/alrn12/amex_1099_reporting_thread/efgkeoj/

It’s not as bad as it initially looks, but everyone, at the very least, should adjust the values to fair market value. It’s legal, allowed, justified and can be proven. AMEX should be 0.6cpp and Hilton .5cpp. I haven’t found a way to prove Marriott or delta at Under 1cpp, so you may have to eat that.

Thanks for doing this and for sharing with us.

 

[speedyfishy]

I see the Citi prestige is now open for applications. Does anyone know if the 4th night free can be used for Disney hotels? I see you have to use their concierge to book? Anyone know if they have Disney hotels and what their pricing is like?

 

[spacerangerqueen]

*Sorry ahead for the long story*
We rented a sea raycer today and it was one of the best things I’ve done at Disney. We just signed up for half an hour. While we were in the water we noticed a bunch of speedboats driving past. Turns out a transportation boat at hs was on fire and smoking so they had to go help. These sea raycers are tiny boats and we are full grown adults so it was tight. Near the end of our time a speedboat came around the corner and the wake was large. We went over it and water filled into our boat lol. We were completely drenched but we thought it was funny. The manager at the boat rentals said our rental was free and even bought us lunch at hurricane Hanna’s. I told him he didn’t have to because it actually made it more fun for us but he insisted. Anyway, everyone should rent a sea raycer but your experience might not be as exciting

We love the sea raycers. It's an almost yearly tradition that we do for DH's birthday. We've only done them from the Poly though. It's really fun to drive over the water bridge and around the old Discovery Island.

That's nice that you got a free meal! Definitely a memorable experience haha.

 

[mmmears]

I’ll be at Disney Saturday and Sunday. I love how points gives us the flexibility to book flights for a weekend getaway. We just booked this yesterday lol Staying at movies for $145 in a preferred room. We want to check out festival of the arts.

Nice! I have been hearing really positive things about that festival!

*Sorry ahead for the long story*
We rented a sea raycer today and it was one of the best things I’ve done at Disney. We just signed up for half an hour. While we were in the water we noticed a bunch of speedboats driving past. Turns out a transportation boat at hs was on fire and smoking so they had to go help. These sea raycers are tiny boats and we are full grown adults so it was tight. Near the end of our time a speedboat came around the corner and the wake was large. We went over it and water filled into our boat lol. We were completely drenched but we thought it was funny. The manager at the boat rentals said our rental was free and even bought us lunch at hurricane Hanna’s. I told him he didn’t have to because it actually made it more fun for us but he insisted. Anyway, everyone should rent a sea raycer but your experience might not be as exciting

LOL! That does sound exciting! We rented them at the Poly back when my DD was younger (so it was just 1 A 1 C in mine - DH had his own) and had a blast. I had no idea how much fun those little raycers could be. Highly recommended. It sounds like you enjoyed your stay over by Epcot.

 

[afan]

What a day, right? The DoC post linked my post on Reddit here:
https://www.reddit.com/r/churning/comments/alrn12/amex_1099_reporting_thread/efgkeoj/

It’s not as bad as it initially looks, but everyone, at the very least, should adjust the values to fair market value. It’s legal, allowed, justified and can be proven. AMEX should be 0.6cpp and Hilton .5cpp. I haven’t found a way to prove Marriott or delta at Under 1cpp, so you may have to eat that.

Using 80k Hilton valued at $1000

If standard deduction:
Line 21 put 1099 amount of $1000.
Line 21 put adjusted amount of -$600 (.5cpp x 80k is $400 so $600 is the difference in $1k and $400).

If itemized deduction:
Line 21 put 1099 amount of $1000
After line 35 put $600 as your adjustment.

That’s worst case scenario that everyone should do.

What everyone should also consider doing is arguing with AMEX about the valuations. That would make it even easier. Additionally, arguing .5cpp and .6cpp for Hilton and MR gives you a paper trail for trying to argue with the issuer. Be sure to include the print outs and purchase prices that I put in the Reddit thread.

Me? I *am* going to deduct my annual fees. In particular ones like my Hilton businesses which I had only for referrals in the first place. I have a Hilton aspire, why do I need a biz? This is something you can ask your CPA about for your own comfort level. After consulting with mine, I’m doing it. I’m not taking it to $0, but I’m going to get it as close to it as I can. I’m on the hook for around $7k for AMEX Referrals.

For Delta wouldn't you just do as you've done with Hilton. If you go here on Delta's site it has the following -

Transaction Terms:

• Minimum/Maximum mileage purchased per transaction: 2,000/60,000
• Mileage increments: 2,000
• Rate per mile: $0.035. terms and conditions for details

Meaning Delta value's their miles at .035 which means my 20k should only be worth 700 fair market value.

Though the other thing that I found interesting in the comments on the DoC post, they are charging me at today's value, I don't plan on using the miles I have until I can book a 2021 flight, so who says the miles won't be worth even less than they've taxed me at. I can make my money that you've taxed me at grow but I can't make my miles grow without spending. This is also why I don't agree with this being income, I can't use it to pay my bills tomorrow. I understand this is an IRS thing but unless you can convert the point/mile directly to cash it shouldn't be income imo.

Anyway, I'll be doing as you say and will go print out this page to put with my difference from their estimate.

 

[schmass]

So WM was useless. Fill out a fraud form, give them 30 days. Lesson learned........

I'm so sorry! I hope they surprise you and this gets resolved quickly.

 

[Andysol]

For Delta wouldn't you just do as you've done with Hilton. If you go here on Delta's site it has the following -

Transaction Terms:

• Minimum/Maximum mileage purchased per transaction: 2,000/60,000
• Mileage increments: 2,000
• Rate per mile: $0.035. terms and conditions for details

Meaning Delta value's their miles at .035 which means my 20k should only be worth 700 fair market value.

Though the other thing that I found interesting in the comments on the DoC post, they are charging me at today's value, I don't plan on using the miles I have until I can book a 2021 flight, so who says the miles won't be worth even less than they've taxed me at. I can make my money that you've taxed me at grow but I can't make my miles grow without spending. This is also why I don't agree with this being income, I can't use it to pay my bills tomorrow. I understand this is an IRS thing but unless you can convert the point/mile directly to cash it shouldn't be income imo.

Anyway, I'll be doing as you say and will go print out this page to put with my difference from their estimate.

No way I’d do that. They report the value as 1cpp, arguing to make it 3.5cpp wouldn’t be smart. Hah

You can also redeem for 1cpp statement credit, so that’s at least a fair valuation.

 

[Lain]

Thanks! This will be our first time at the festival too. The food doesn’t look that exciting to me, but I’m excited to see the art. We almost bought a $150 Disneyland sign when we were at Disneyland and the only reason why we didnt was because we thought it would be a pain to get it back home (I didn’t know they shipped) hopefully we can control ourselves. Really hoping for a renovated room. We stayed there in December in a non renovated room and SO was not happy and had issues with the shower. He is too tall for them lol

I think one of our favorite Disney artists, Dave Avanzino, is going to be at the festival. He makes these amazing 3D mixed media and paper craft art pieces. We have too many Disney art pieces to hang them all, but we have a limited numbered edition of his Sleeping Beauty’s Winter Castle up because it reminds us of our favorite season at Disneyland (and it’s just so beautiful).

Have so much fun!

 

[disneymagicgirl]

I am so behind again.

I ended up with DDs sick germs but feel much better today. Made for difficult travel yesterday though.

So, DH got a 1099 from amex for $150. Is this for the points from his plat or something? That is all I can think of...