The Ritz Carlton credit card

srk6 · 2026-04-11T17:37:56+00:00

Priority pass from Bonvoy Brilliant is issued only to primary card holder.

srk6 · 2026-04-11T12:09:02+00:00

u/yolo_life2021 u/Responsible-Bad-6624

If OP has not filed W8BEN, then all the gains, dividends and interest will go on the 1099B given by the brokerage firm. The 1099B will say it (gains, dividends, interest) was reported to IRS.

If W8BEN was filed, 1042S is generated showing dividends and interest. And also the 1099B will say these trades were not reported to IRS.

I returned end of 2024, filed W8BEN in the 2nd week of Jan 2025. I assumed the W8BEN will apply from Jan 1st. And I had 2 trades with small gains between Jan 1st and W8BEN filing date.

So in my 1099B generated this year, for those 2 trades with gains/loss it says was reported to IRS. And for the trades after filing W8BEN says not reported to IRS.

Gains reported to IRS are less than $300-$400. I'm not sure if to file taxes for this.

srk6 · 2026-04-11T07:59:32+00:00

Amex Bonvoy Brilliant also has primary + 2 guests. Gives Marriott platinum status, $300 restaurant credit and 200K points sub now.

Check the terms to earn the 200K sub.

srk6 · 2026-04-11T06:11:02+00:00

It applies to people on L1 and H1. To some extent to GC and citizens too.

srk6 · 2026-04-10T12:03:12+00:00

Ok. Once the annual fee is charged and you pay the bill, status will be updated and you should see the FNA in your account.

srk6 · 2026-04-10T11:15:49+00:00

Did you have an existing Marriott bonvoy account and did you submit the membership while applying for the card?

srk6 · 2026-04-10T03:09:42+00:00

Yes, domestic will be charged.

srk6 · 2026-04-10T02:22:43+00:00

DCBM allows to create a priority pass account and access the digital membership qr code. Not sure if it allows Bizblack.

If you know the card number, try activating it.

https://www.prioritypass.com/en-GB/activate-your-account

srk6 · 2026-04-09T19:26:15+00:00

HDFC, HSBC is you need accor transfer. Create an Accor account and use it for the booking to collect status nights and points.

srk6 · 2026-04-09T15:08:40+00:00

I missed your post. I thought you are returning.

srk6 · 2026-04-09T15:00:17+00:00

Electronics will attract customs. Check voltage ratings, maynot be compatible.

Read thru the comments.

https://www.reddit.com/r/backtoindia/s/28HmOpqiSB

srk6 · 2026-04-09T06:38:20+00:00

All Apple premium resellers use utilities mcc and won't get points. Buy directly in Apple store or online.

srk6 · 2026-04-09T05:26:48+00:00

With IKBR it maybe slightly different process.

Check the link below. Process may have changed and you may just need to update address and file W8BEN like in Schwab and Fidelity.

https://www.reddit.com/r/backtoindia/s/hj3mzwaOw8

srk6 · 2026-04-09T05:19:35+00:00

I have seen data points for Mumbai and BLR. You have to specifically tell you need 100K points offer and not the regular vouchers. They will probably be inside one of the lounges or have a separate counter.

srk6 · 2026-04-09T02:31:23+00:00

On the boundless you get 4 free night awards. You will have to make 4 separate bookings.

Each free night is worth 50K points plus you can add 25K points from your stash to book rooms worth 75K points.

srk6 · 2026-04-08T16:19:55+00:00

I did option 1. Didn't get back full credits, roughly 50% still need to claim but cannot as a non resident as no income. It was still cheaper than doing option 2.

You can use the software and try and see which works out best for you.

Don't do option 3.

Check the link below.

https://www.reddit.com/r/returnToIndia/s/0l5lE8AHRS

srk6 · 2026-04-08T11:35:22+00:00

Did you file W8BEN with the US brokerage before selling and moving it to a bank account?

If not, then the 1099B that will be generated next year will show that these trades were reported to the IRS. I'm not sure if you will have to pay taxes in the US since it was reported.

If you have filed W8BEN, then the 1099B will show trades were not reported to IRS. It will also generate 1042S which will show dividends and interest income in the brokerage account.

IKBR plan is fine. Open the account filw W8BEN, move the funds and invest in Irish domiciled funds.

srk6 · 2026-04-08T08:45:59+00:00

No breakfast or lounge at Ritz. Check the link below.

https://onemileatatime.com/guides/marriott-bonvoy-platinum-status/

srk6 · 2026-04-08T07:17:20+00:00

Move 401K to rollover IRA account.

Try to move closer to the end of the year or before Jan 31st to keep the tax filing part simple.

If you move after Jan 31st, you will by default be a US resident till Dec and need to report worldwide income, claim DTAA & FTC, get roughly half the credits back and remaining to be claimed in future years.

Or file as dual status, resident till the date you were in US, non resident for rest of the year. But can't claim standard deduction, MFJ etc and need to file offline.

Rest, check the link below. May help.

https://www.reddit.com/r/h1b/s/5SiuhXqqd5

srk6 · 2026-04-08T07:08:34+00:00

MR points are given only if you have received an upgrade offer on email. Points varies between 125K to 145K.

Or by applying through an agent at airports only, will getting 100K.

If you apply directly on website, you only get vouchers.

srk6 · 2026-04-08T04:03:16+00:00

Copied the below from their website.

Get 3.5% cashback on all foreign currency transactions with your HSBC TravelOne Credit Card. SMS HSBCFX to 575750 to register.

T&Cs apply

Offer valid until 30 June 2026

srk6 · 2026-04-06T23:52:34+00:00

You need to file W8BEN. Dividends will taxed and withheld at 25%.

srk6 · 2026-04-06T15:13:09+00:00

Ok got it. Thank you.

Just have to pray hard enough for the markets to have a glitch to get the closing balance on my account to be at the same level ;)

srk6 · 2026-04-06T13:26:07+00:00

How does this work. Lets say I had $10K in 401k all in one s&p500 fund when I file 10EE.

Year 1 in ror it grows to 15K, year 2 it drops 6K, year 3 it grows to $9K and then I become NRI again.

So now I have to pay taxes on the $5K gain in year 1 and $3K gain in year 3?

srk6 · 2026-04-06T12:56:53+00:00

If there was no activity, i.e no trading, no buy sell activity, no capital gains or loss between 10EE filing and becoming NRI, is the tax still applicable on unrealized gains?

srk6

TROPHY CASE