B*******y
发帖数: 93 | 1 小弟2012拿了20k bonus , 2014 年辞职时被公司 clawback 了。
请问大牛们，在要求NJ 退税时该填哪个表哪一项啊? 我在NJ1040里找了半天也没找到。
谢谢了! |
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S**C
发帖数: 2964 | 2 I don't worry about "clawback" as I do consider such chance is indeed low.
What I worry about is since my plan do not allow in-service rollover, and if
I contribute to after-tax 401(k) now and build up, after, say, 10 years,
the Congress say, no you cannot rollover the after-tax 401(k) contribution
to ROTH. They won't clawback the previous rollover, sure, but you won't be
able to rollover going forward. Now I am stuck. The only way out is to quit
my job so I can do the rollover (since in-service... 阅读全帖 |
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n*******y
发帖数: 3337 | 3 Originally Posted by reaper99999 View Post
Looks like I encountered the first case of clawback...
Created an account and deposited money into my account: 10/31/12
Miles received: 11/14/12
Withdraw 99% of the balance: 12/14/12
Got a call from fido about missing funds regarding promo: 12/18/12
I just checked my UA account and all of the miles added were deducted away.
Now I have to put the money back in. I wonder how long I have to keep it
inside to not trigger a clawback again. |
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n*******y
发帖数: 3337 | 4 Originally Posted by reaper99999 View Post
Looks like I encountered the first case of clawback...
Created an account and deposited money into my account: 10/31/12
Miles received: 11/14/12
Withdraw 99% of the balance: 12/14/12
Got a call from fido about missing funds regarding promo: 12/18/12
I just checked my UA account and all of the miles added were deducted away.
Now I have to put the money back in. I wonder how long I have to keep it
inside to not trigger a clawback again. |
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h**********e
发帖数: 4328 | 5 re
所以这个点数clawback也应该有追诉期
不能给了半年了再clawback让customer欠一屁股债
就像信用卡盗刷如果没及时发现只好自己付了 |
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发帖数: 1 | 6 如我预言的一样，现在amex有点任性，只有等大面积的人被波及之后，大家才会想着弄
他。不弄他一下，他会越来越嚣张。
clawback真的可以载入史册了都。
大多数的赖账和clawback，最后都是以银行再吐出来平息民愤告终。 |
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发帖数: 1 | 7 The platinum 100k is not a public offer, while this one is, and those
clawbacks are all from that 100k leaked offer, haven't seen any DP of
clawback on any co-branded AMEX card so far. Although it's not 100% safe, it
should be much safer than the 100k platinum offer. |
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S**C
发帖数: 2964 | 8 No need to clawback. I will still be screwed if I sit on a large after-tax
401k balance, before retirement, and lose the option to rollover my
contribution portion to ROTH, earning portion to traditional IRA.
I will be better off to just invest in taxable account using tax efficient
assets.
[在 redsim (Red) 的大作中提到：]
：Thanks for pointing out the difference.
：
：........... |
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u****e
发帖数: 99 | 9 Regarding this specific topic, the chance of IRS "clawback" is very low.
This practice, although not widely applicable to all 401k plans, has been
under discussion for several years among keen investors and IRS experts.
General consensus is, if 401k plan is properly set up with "sub accounts"
that track the basis for different sub accounts, and the plan allows in
service withdraw, then it is completely legit to roll it over to Roth IRA.
The question is more on the rollover paths; whether one can... 阅读全帖 |
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A*****r
发帖数: 332 | 10 From most quantifiable to least:
1. Any clawbacks in employment contract (e.g., minimum time of employment
required for sign-on)
2. YTD prorated salary
3. YTD prorated cash bonus
4. Unvested 401k matching, pension
5. Unvested equity (RSU, options)
6. Moving expense if relocating
7. Income tax rate differential if relocating
8. Vacation and PTO day difference
9. Seniority and promotion track in current company
10. Network in current company in terms of potential internal moves
1-8 can all be nego... 阅读全帖 |
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i*******y
发帖数: 194 | 11 太感谢了，太全了
好多还不懂，等回去研究一下再来请教
From most quantifiable to least:
1. Any clawbacks in employment contract (e.g., minimum time of employment
required for sign-on)
2. YTD prorated salary
3. YTD prorated cash bonus
4. Unvested 401k matching, pension
5. Unvested equity (RSU, options)
6. Moving expense if relocating
7. Income tax rate differential if relocating
8. Vacation and PTO day difference
9. Seniority and promotion track in current company
10. Network in current company in terms of potential intern... 阅读全帖 |
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y****i
发帖数: 17878 | 12 hehe, so called "clawback"
oh, well |
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B******y
发帖数: 9065 | 15 应该不是Old Center制作的吧？怎么看上去和这里的论坛上是一样的，估计老印老莫还
有白垃圾的Money版也都在讨论这些Deal，搞死一个Deal可别老怪MITBBS了。。。 |
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j***a
发帖数: 832 | 16 the original with english caption
http://www.youtube.com/watch?v=t7PmzdINGZk
By the way, today I went to the CVS, where I have been buying the reload
cards, they require cash now. sad. they killed it again. |
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e***z
发帖数: 7126 | 17 when something is this obvious on youtube, it has to be killed soon
otherwise some people could lose their jobs
so if you want to do it, do it quick |
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h****s
发帖数: 16779 | 22 AMEX有clawback points的历史。
另外，为了这几百块和AMEX relationship变坏被黑屋也很不划算。 |
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h****s
发帖数: 16779 | 23 不排除AMEX clawback点数。他家有这样做的历史。 |
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h****s
发帖数: 16779 | 24 可以，不用等。
但是后果是bonus被clawback还是被FR，或者被关小黑屋，可就难说了。 |
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b*t
发帖数: 489 | 25 我们花的远远大于3000也被clawback了，而且所有的消费没有任何VGC，就是用200的
airline credit买了个航空公司的GC。 |
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b***g
发帖数: 516 | 26 flytalk 搜 amex clawback 100k
目前是85页的帖子 第84页左右有人说成功的例子 |
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c**2
发帖数: 8496 | 27 anyone spent > $20K and still got clawback? supposedly, you are the kind of
clients Amex wants. |
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G****y
发帖数: 3537 | 28 不退年费是从9/1开始的，但5月那批白金卡3个月到期是8月中，这之前AMEX还没有
CLAWBACK 10 万点，用户也没有想拿到点后就取消卡拿回年费。
AMEX和用户都按规则执行，这可以接受。比如说因为我没注意到T&C，有买过CASH
EQUIVALENT，所以在三个月期满后，AMEX认为我没满足消费，所以不给点。但是实际情
况是当AMEX在我花了3000多后，就把10万点给了，这可以认为AMEX首肯了这个DEAL，也
就是它已经认为我满足了消费。这个时候不管用户是否有不满足T&C的地方，AMEX已经
CLOSE 了这个DEAL，双方交易完成了。所以用户可以认为不再需要继续用这张卡消费了
，这也是我，或者很多其他人为什么最后扣掉不满足的消费，就差一些到3000了。
开卡三个月过后，AMEX发现用户有不满足T&C的地方，所以不声不响把点又扣回去了。
那AMEX你自己不在给点之前确认好用户是否符合要求了，过后自己单方面毁约。AMEX犯
错误给了用户点，怎么需要全部由用户来承担呢？用户已经没有任何补救可做，交了
450年费，即使想取消卡都拿不回一点补偿。另外因为这次已经申请过这个卡，以后再... 阅读全帖 |
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e*i
发帖数: 10288 | 29 去年就没有了吧。
Amex 现在挺不容易的，丢了 Costco 这个大客户，而且是彻底谈崩了，连网上
都不接受了。
以前很多接受 amex 的商家，现在都不接受了。比如我今年换的几家电费，水费
等等，以前都可以用 amex 的，现在都不接受了。
另外大规模地 clawback 点数，都可以看出他们在挣扎。而且他们是先杀了再说，
然后再找理由。 |
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c******n
发帖数: 499 | 30 去年一直到xmas前才有
去年就没有了吧。
Amex 现在挺不容易的，丢了 Costco 这个大客户，而且是彻底谈崩了，连网上
都不接受了。
以前很多接受 amex 的商家，现在都不接受了。比如我今年换的几家电费，水费
等等，以前都可以用 amex 的，现在都不接受了。
另外大规模地 clawback 点数，都可以看出他们在挣扎。而且他们是先杀了再说，
然后再找理由。 |
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发帖数: 1 | 31
唉，都是老生常谈了。
其实问题就是一点，你是3个月之后收回去的，而且这个是adjustment，以后再也拿不
到了。
问题不在有漏洞，被abuse，被发现，然后商家对已经发生的进行追溯，而不只是止损
。这都不是问题，冰清玉洁的也不会经常在这个版上混吧。
另外，你的点数应该没有被收回（或者你是去年或者老早的白金，早就不在乎今年的几
次白金了），我原来也和你相同的想法，愿赌服输。但自己也被搞了之后，唉~
问一句，如果amex调查去年年末翻倍了，你还会沉得住气吗？那个clawback更没有啥话
说啊。你难道还留了那部分在里面？ |
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f*********1
发帖数: 691 | 33 现在amex plat只要开卡消费中包含gc，哪怕就一两百，都会被clawback welcome
bonus。申请之前考虑好有没有能力花两万刀 |
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s*****4
发帖数: 68 | 34 1. raise.com会被认为是GC 吗？
2. clawback 的意思是先给welcome bonus麻痹大意一下. 等过了3个月的时间（没有再
消费补救的机会了）再收拾的意思吗？ |
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p*******n
发帖数: 1003 | 35 Which part of your company policy requires you to return to work to be
eligible for the maternity leave? Find it in your employee handbook, check
if there's any clawback clauses. I doubt it. Usually the paid maternity
leave eligibility is gained by working at the company for certain period of
time prior to the start of maternity. |
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w****n
发帖数: 1737 | 36 From 'Caveman' to 'Whale'
J.P. Morgan's Iksil Wagered Large, and Won, Last Year, but Bets in 2012
Soured
http://online.wsj.com/article/SB1000142405270230387960457740862
ml?KEYWORDS=london+whale
Months before Bruno Iksil became famous as the "London whale," the trader wh
o contributed to a loss of more than $2 billion at J.P. Morgan Chase JPM -4.
31% & Co., he earned a different nickname: the "Caveman," for pursuing trade
s that rivals sometimes thought were overly aggressive but often led to hug... 阅读全帖 |
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W***n
发帖数: 11530 | 37 United Technologies’ CEO Leaves With $172 Million Package
Bloomberg
By Richard Clough, Laura Marcinek and Brandon Kochkodin 5 hours ago
Louis Chenevert, who retired as chief executive officer of United
Technologies Corp. (UTX) in a surprise move on Sunday, will leave with a
nest egg of about $172 million.
That sum includes $109 million of vesting option awards and $32 million of
vesting performance-based restricted-stock awards, based on yesterday's
closing price, and a pension worth $31 million... 阅读全帖 |
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s*********r
发帖数: 1728 | 38 具体 账户 还没有确认呢
有rumor称 最后的假账户 可能significant less
老师肯定 混不下去， 但是 学校不一定 倒闭
过几天 CEO 辞职 或者 FIRE， CLAWBACK 3 years bonus ， 围观大妈们消完气 这
事就算过去了
吗？ |
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U*********r
发帖数: 68 | 39 小弟最近换工作了, 2012年拿了2万bonus并签了一个为期两年的agreement, 说是2年之
内跳槽的话, 要全额退还 bonus.
我想请问一下, 这退还给公司的 bonus, 明年报税时该如何在收入中减掉以便要求退税
?
谢了先! |
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r******l
发帖数: 10760 | 41 你是指在itermized deduction里面用Miscellaneous Deductions减掉么？但是问题是
那个Miscellaneous Deductions要减掉AGI的2%后才能用。也就是说如果你AGI的2%大于
退回的钱数的话，就一分钱也没减掉。
最好能有办法在收入里直接减掉。比如有没有可能原公司发一个box 1为负数的W-2？或
者如果当年还有来自原公司的W-2，能否让他们在box 1里面直接减掉退回的bonus？ |
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S**I
发帖数: 15689 | 44 这个似乎没什么好办法；repayment得超过3000才能不受2% AGI的限制。 |
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r******l
发帖数: 10760 | 45 就是说这一千多块钱虽然我最后没拿到手里，但是还要为此交几百块钱的税？这不是强
盗吗？ |
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r******l
发帖数: 10760 | 47 IRS的规定绝大部分都还是讲道理的（虽然有些可能是歪理）。但是为没拿到手的一笔
钱交几百块的税，这个怎么也说不过去吧？ |
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S**I
发帖数: 15689 | 48 不是只有repayment是这么设计的，类似的还有赌博：赢的钱算taxable income没商量
，必须报在1040 line 21上。但是如果输了钱，而且输的比赢的多，超出的部分也不能
抵税。IRS这个规矩是地道的强盗行径：你赢了我要抽头，你输了就是白输了——黑社
会都未必有这么狠。很多老美第一次听说这个的时候都觉得特别不可思议。 |
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A**l
发帖数: 2650 | 49 这个输赢怎么算？
比如
1. 今天我在同一个赌场输1k，赢2k
2. 今天我在赌场A输10k，赌场B赢20k
3. 昨天我在赌场A输100k，赌场B赢200k
4. 以上各种情况混杂。。。 |
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r******l
发帖数: 10760 | 50 虽然没研究过，但是我觉得应该是把你一年里面所有的输赢加到一起算。 |
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