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Yingcredible Tips
United States
เข้าร่วมเมื่อ 29 มิ.ย. 2020
Thanks for coming by! My name is Ying and I'm a data scientist in the bay area working for one of the largest tech firms in the world. I've always had a passion for teaching, starting as a high school math tutor to gradually becoming a mentor for people who want to pursue careers in data science.
I started this channel to share my knowledge on everything related to business, finance and lifestyle. I'm a master of optimization and precision so every tip I share is going to be Yingcredibly action-oriented and Yingcredibly easy-to-follow. Subscribe to my channel and leave a comment on my videos to say hi!
I started this channel to share my knowledge on everything related to business, finance and lifestyle. I'm a master of optimization and precision so every tip I share is going to be Yingcredibly action-oriented and Yingcredibly easy-to-follow. Subscribe to my channel and leave a comment on my videos to say hi!
Hyatt Regency Sonoma Wine Country Review + How to Gift a Free Night Step-by-Step
We stayed at Hyatt Regency Sonoma Wine Country for 1 night which we redeemed for using a free night certificate. Join me as I share an in-depth review of this family-oriented resort located in Santa Rosa.
Watch these two other Hyatt Hotel Reviews:
th-cam.com/video/EMhNUHoxiNg/w-d-xo.html
th-cam.com/video/Ep_7VmNYeLA/w-d-xo.html
th-cam.com/video/DMNbPTDlyF8/w-d-xo.html
Earn Bonus Points with the World of Hyatt Business Card:
www.referyourchasecard.com/205m/QDC2CFM6IP
_________
***DISCLAIMER***
This content for my video is for education and entertainment purposes only. You should use your own discretion to follow any advice as described in this video. This description may contain affiliate or referral links that allow you to find the things mentioned in this video and support the channel at no cost to you.
#HyattRegency #HotelReview #WorldofHyatt #sonomacounty #SantaRosa #ChaseCreditCard #MoneySavingTips #HyattMembership #PointsRedemption #TravelRewards #CreditCardRewards
Watch these two other Hyatt Hotel Reviews:
th-cam.com/video/EMhNUHoxiNg/w-d-xo.html
th-cam.com/video/Ep_7VmNYeLA/w-d-xo.html
th-cam.com/video/DMNbPTDlyF8/w-d-xo.html
Earn Bonus Points with the World of Hyatt Business Card:
www.referyourchasecard.com/205m/QDC2CFM6IP
_________
***DISCLAIMER***
This content for my video is for education and entertainment purposes only. You should use your own discretion to follow any advice as described in this video. This description may contain affiliate or referral links that allow you to find the things mentioned in this video and support the channel at no cost to you.
#HyattRegency #HotelReview #WorldofHyatt #sonomacounty #SantaRosa #ChaseCreditCard #MoneySavingTips #HyattMembership #PointsRedemption #TravelRewards #CreditCardRewards
มุมมอง: 226
วีดีโอ
Hyatt Vacation Club Highlands Inn / Carmel Highlands Review: Coastal Luxury on the California Cliffs
มุมมอง 1.3K6 หลายเดือนก่อน
We stayed at Highlands Inn for 2 nights and 3 days which we redeemed for using 30,000 points per night. Join me as I share an in-depth review of the stunning Hyatt Vacation Club at Highlands Inn, aka Hyatt Carmel Highlands resort in Carmel, California next to the Point Lobos Natural Reserve. This luxury hotel, part of the Hyatt Vacation Club, offers breathtaking ocean views, exceptional accommo...
How to status match between MGM Rewards & World of Hyatt: A Step-by-Step Guide!
มุมมอง 2.3Kปีที่แล้ว
In this video, I will teach you guys step-by-step to match MGM Gold status to World of Hyatt Explorist, Globalist by walking you through how to do it, when to do it as well as some bonus tips to make sure you can perform this status matching indefinitely through a method called merry-go-round. 00:00 Overview 00:45 Hyatt to MGM 02:55 MGM to Hyatt 03:58 Status match in person Hyatt Explorist to M...
How to status match Caesars to Wyndham Diamond STEP-BY-STEP 2023 (links included)
มุมมอง 4.9Kปีที่แล้ว
In this video, I will teach you guys step-by-step to match Caesars diamond rewards status to Wyndham diamond by walking you through how to do it, when to do to it as well as some bonus tips to make sure you can perform this status matching indefinitely. 00:00 Overview 01:26 Caesars to Wyndham 02:14 Wyndham to Caesars 03:03 Bonus tip 1: Apply for Wyndham Earner Credit Card 03:22 Bonus tip 2: Mat...
Top 5 iBond Tips that can save you $$$
มุมมอง 6642 ปีที่แล้ว
In this video, we will go over top 5 tips you should know before buying an iBond specifically covering what's the best time to buy and sell your ibond, how to report taxes on ibond, how to convert paper ibond to electronic one and how to get interest tax exempt. www.treasurydirect.gov/indiv/research/faq/faq_irstaxfeature.htm (how to buy paper ibond) www.irs.gov/pub/irs-pdf/f8888.pdf (to buy ibo...
How to buy iBond from Treasury Direct in 2023 (3-Step guide)
มุมมอง 2.2K2 ปีที่แล้ว
In this video, I will tell you why you should get an iBond which currently has 9.62% annualized return in May 2022 (used to be 7.12%) but most importantly how you can purchase an electronic iBond through the TreasuryDirect, an online website to buy government securities directly from the U.S. Treasury, which includes 3 steps 1) how to open an account 2) how to get your account verified in perso...
How to use Bilt to pay rent and maximize points in 2023 (Step-by-Step)
มุมมอง 17K2 ปีที่แล้ว
This video is an in depth review about the new Bilt mastercard credit card which gives you 1% back in rewards points on rent after using it for 6 months. We will talk about what I like and don’t like about the credit card as well as a step by step tutorial on how to pay rent with it even if your landlord is not part of the Bilt Alliance network. We will also talk about ways to redeem points usi...
How to redeem a luxury Hawaii trip for MAX value
มุมมอง 1.8K2 ปีที่แล้ว
This video is a step by step guide to maximize your points when booking a luxury trip to Hawaii including flight and hotel! By leveraging transfer partners such as American Express Membership Rewards, Chase Ultimate Rewards, Bilt, Citi ThankYou Points and Capital One miles, you can effectively book a first class flight and 7-star hotel using as little as 350K points (a 76% discount!). I will co...
How to book economy Hawaii trip for FREE using points
มุมมอง 3.5K2 ปีที่แล้ว
This video is a step by step guide to book a free Hawaii trip using points for as little as 100K points. By leveraging transfer partners such as Chase Ultimate Rewards, American Express Membership Rewards, Citi Thank you points, CapitalOne miles and Bilt rewards, we can redeem them for a cheap flight and hotel for a one-week trip (family of 2) while still staying comfortably in a 3-star hotel a...
How to report HSA state tax for California & New Jersey (FREE calculator included)
มุมมอง 4.5K2 ปีที่แล้ว
Even though HSA is tax exempt on the federal level, it is still taxable for the following 4 states: California, New Jersey, Tennessee and New Hampshire. In this video, we're going to teach you step by step on how to calculate HSA earnings which includes interest, dividend and capital gains from HealthEquity as well as how to fill it out inside Turbotax. As a bonus, we will also do a quick walkt...
Hyatt Globalist and Explorist Status Challenge is Back: Elite Tier Offer links included
มุมมอง 8K3 ปีที่แล้ว
Hyatt Globalist and Explorist Status Challenge is Back: Elite Tier Offer links included
Redeem Hyatt free night for MAX value: 7 Tips bet you didn't know
มุมมอง 9K3 ปีที่แล้ว
Redeem Hyatt free night for MAX value: 7 Tips bet you didn't know
Staying at Hyatt Regency Monterey for Free: My Honest Review
มุมมอง 4.2K3 ปีที่แล้ว
Staying at Hyatt Regency Monterey for Free: My Honest Review
How to Set up Mega Backdoor Roth on Fidelity (Step-by-Step Tutorial)
มุมมอง 31K3 ปีที่แล้ว
How to Set up Mega Backdoor Roth on Fidelity (Step-by-Step Tutorial)
1K Thank you and Giveaways | Proper Intro and What YouTube taught me
มุมมอง 7503 ปีที่แล้ว
1K Thank you and Giveaways | Proper Intro and What TH-cam taught me
What's it like to try a $160 Sushi Bento Takeout in SF? Comparing 3 Boxes | Mother's Day Vlog
มุมมอง 3723 ปีที่แล้ว
What's it like to try a $160 Sushi Bento Takeout in SF? Comparing 3 Boxes | Mother's Day Vlog
How to Contribute to Backdoor Roth IRA on Charles Schwab vs. Fidelity (Step-by-Step)
มุมมอง 12K3 ปีที่แล้ว
How to Contribute to Backdoor Roth IRA on Charles Schwab vs. Fidelity (Step-by-Step)
How to get INSTANT approval with $0 Intro Fee for Chase Sapphire Preferred (CSP) - 80K is back!
มุมมอง 6K3 ปีที่แล้ว
How to get INSTANT approval with $0 Intro Fee for Chase Sapphire Preferred (CSP) - 80K is back!
Want to Reduce Tax if You Have KIDS? 10 Ways Parents MUST Watch before Filing Tax
มุมมอง 1.8K3 ปีที่แล้ว
Want to Reduce Tax if You Have KIDS? 10 Ways Parents MUST Watch before Filing Tax
Glamping at $300 Luxury Airstream Suite? AutoCamp Russian River Review (Tesla charging available)
มุมมอง 6K3 ปีที่แล้ว
Glamping at $300 Luxury Airstream Suite? AutoCamp Russian River Review (Tesla charging available)
Day in the Life of a SNOO baby (4-month old)
มุมมอง 6253 ปีที่แล้ว
Day in the Life of a SNOO baby (4-month old)
Want to Buy M1 Mac Mini for Cheap? Price match + Double-dipping explained
มุมมอง 4813 ปีที่แล้ว
Want to Buy M1 Mac Mini for Cheap? Price match Double-dipping explained
6 Hidden HSA Mistakes that Could Cost You $50,000
มุมมอง 27K3 ปีที่แล้ว
6 Hidden HSA Mistakes that Could Cost You $50,000
This is What I Learned from the GameStop Frenzy (As a Finance Major) 🚀
มุมมอง 7653 ปีที่แล้ว
This is What I Learned from the GameStop Frenzy (As a Finance Major) 🚀
AMEX Retention Secrets after Studying 400 of Them
มุมมอง 6533 ปีที่แล้ว
AMEX Retention Secrets after Studying 400 of Them
How to Cook Costco Japanese A5 Wagyu at Home | Easy Cooking Method Everyone Should Know
มุมมอง 65K3 ปีที่แล้ว
How to Cook Costco Japanese A5 Wagyu at Home | Easy Cooking Method Everyone Should Know
Do these 10 Financial Tasks Year-End to Avoid Paying Taxes
มุมมอง 1.3K3 ปีที่แล้ว
Do these 10 Financial Tasks Year-End to Avoid Paying Taxes
My Honest Review on the Google Pay App (First impression & How to Use)
มุมมอง 6K3 ปีที่แล้ว
My Honest Review on the Google Pay App (First impression & How to Use)
$100K Childbirth Costs Break-down and How You Can AVOID it
มุมมอง 7123 ปีที่แล้ว
$100K Childbirth Costs Break-down and How You Can AVOID it
Thank you so much! You should share this to Little Red Book too
Can this be combined on top of the IRA to Roth backdoor?
Yes this is additional
What is your profession and what company do you work for that allows you to convert your 401k into a Roth? Ive tried to find employers that allow this in their retirement plans but have had no luck so far.
People should know that if they have an IRA through work, they need to deduct the amount they are contributing to that from the max allowable contribution ($7.000 in 2024) to determine how much they can put into the Roth IRA. The total amount a person can put into all IRAs (traditional or Roth) is $7000 (in 2024). If you go over that, there is a tax penalty.
So is it overrated?
Thanks so much. I got the status match from Caesars Diamond Plus card to Wyndham. So, Caesars rewards has given me 7 free nights at their resorts. Can I get my 7 free nights I got from Caesars and use them at the Wyndham?????? Thanks so much.
Who's baby is crying in the back?
Do you have to wait until your 401k is maxed out before doing after tax contributions? Or can you do them at the same time?
can you update this video because Schawb page layout and tabs are no the same as the one you show and i can't find the page where allow you to contribute
Ying, thanks for the vlog, very detailed information. May I ask what's the room type? Is it suit with garden view? Thanks!
Could you provide instructions or video on doing a backdoor roth for Schwab here in 2024? Not too many videos on youtube for Schwab on how to do the backdoor roth
hi i have question about Hsa if i live in California. Can you explain what are the difference? 1. i wonder can i use this for my tax deduct when i do income tax? 2. if i sell the stock that i invest but i dont put dont use it yet do i have to pay tax ?
Good job, Ying! Thank you!
Thanks!!! Very good information
NOTE: The contribution limits have changed for 2024. Mega Backdoor: $46,000. Regular Backdoor: $7,000
Is there a pool?
There is. It wasn't open when we were there
Ying! Your kids are adorable :). My husband alleges we might've stayed at this hotel more than fifteen years ago before it got bought out by Hyatt. I don't remember it having a kitchen though, so indeed it has been upgraded! I just remember the fireplace. I think I might've played with fire for an entire night there :D.
Thanks!! I'm pretty sure they have recently upgraded the timeshare suites because the kitchen feels brand new. The non-timeshare Hyatt doesn't have a fully equipped kitchen as far as I know. So I actually recommend the vacation club more if you want a kitchen (there might be a slight tradeoff in terms of views tho)
Is the time share deal ?
No it's not. I booked it via hyatt.com using points. I don't have a timeshare.
thanks for this!!
Can you just use the move money function or do you have to use the conversion feature to go from IRA -> ROTH? If you already have a roth opened up.
you don't need to open a new ROTH every time. you can follow the same step
Maxing out Mega Backdoor ROTH in your 30's and investing it in the S&P500 index will make you rich when you turn 50. This video is so factually correct and concise. Way to go!!
Question: Can account fees be deducted from the earnings? One of my HSA providers (Optum) charges expensive fees to keep the account open.
This did not cover what I was looking for.
Beautiful and smart 😘
Great video btw!
Hello Ying, how can we do this with Schwab?
Awesome and super useful video..! Just one question, how do you manage not exceeding the annual contribution and avoid not eating into employer match contributions?
Do I need to do this same process and open a new account every single year and convert it?
No, just contribute to the Traditional IRA you created last time, wait for the funds to settle, and convert to the same Roth IRA as last time.
Do you need to continously make a new traditional IRA each year in order to do the backdoor (assuming you don't but just curious) or can you just transfer your money into traditional and then back into the roth before the tax deadline to use the loophole? For example, for myself I would like to frontload my r-IRA with the full amount limit (2023 year = 6500 if making under 138k MAGI). However, to take advantage of the loophole do I need to take the money from my r-IRA already and then put it in the t-IRA just to then convert right back to my r-IRA? That seems like a really backwards way to do things especially in this day in age but alas here we are.
Yuck, Dave Ramsey reference... He's an idiot.
How does Rocket Money compare in 2024?
I also have schwab, how do you set up the backdoor ROTH with them?
I have another video explaining it. Go search yingcredible tips backdoor Roth Charles Schwab
Very helpful video on this topic in general, although I believe there is an error here in the section on calculating capital gains. As you can see at the screenshot seen at 2:54 of this video, step 3 in the calculator states you should set "Start Date" to a date before you began investing or even had an HSA. What I've done is download the lifetime transactions in HealthEquity's "Investments" section, and use that file to calculate the correct short-term gains and long-term gains. Hope that helps!
Can I buy $10K iBond every year? Or, is $10K a life time limit?
say wynDham again
front loading is bad with company match. each company has different rules, some you loose out the match entirely, while other ones 'true up' the match next year - which is bad if you leave the company as you wont get that match.
My landlord charges 40.00 to use a credit card. Does bilt have a check routing?
do you delete the traditional account the following year and re-create it to do the backdoor roth for future years?
No you keep it and follow the same step
@@YingcredibleTips thank you!
FYI, just completed this in November of 2023. On the desktop site, go to support (top right)/forms and applications/*select your contributory traditional Ira account from dropdown*/convert traditional Ira to Roth IRA/ complete the form online. This will take you the the setup screen shown in the video
Life saver. Thank you!
Hello Ying, Thanks very much for your videos. Your delivery is very clear with very useful information! For some reason, I cannot find the video you mentioned that explains the mega backdoor IRA in detail. Where can I find it? Thank you!
Let's start building more traction so that HSA's can act like HSAs in CA! There is a Bill that we should support in CA AB 727!!
Great job. For extra safety Buckle the harness straps and chest clip. Make sure it's a snug fit. The chest clip should be even with your child's armpits. Make sure the straps and clip lie flat against your child's chest and over their hips with no slack.
Does this still work?
Nope as far as I know. Only if you have a Barclays earner business
This video helps a lot. Thank you
Thank you for making this
It would be nice if you can show us how to do the procedure through Charles Swab
I would like to know too
大佬啊,后悔没有一工作的时候就看大佬的视频,感觉亏了好多钱
thanks for the video. i did my IRA contribution then converted to a Roth a couple weeks later. but after i converted, schwab paid $0.64 of interest into my traditional IRA, so now I have a balance of $0.64 instead of $0.00. if i just withdraw the $0.64 will that make my tax return more complicated? or completely mess up the taxes of my Roth conversion?
Front loading. Not all companies let you continue to get match if you finish filling you 401K.
So helpful, thank you!!!!
what's total market fund?