Podcasts about ultimate rewards

Episode 123 of the Award Travel 101 podcast covers a variety of travel rewards topics, including a debate over using Ultimate Rewards vs. Capital One points for the same flight. The hosts, Angie Sparks and Mike Zaccheo, also discuss major updates in the travel industry, such as United and JetBlue's Blue Sky partnership, Chase's new welcome bonuses on IHG credit cards, and the finalization of Capital One's acquisition of Discover Bank. Meanwhile, Southwest Airlines implements new policies that bring checked bag fees, Basic fares, and expiration dates on flight credits.The episode's main topic, Angie and Mike anders some travel questions from the community that might had been overlooked. The hosts weigh in on credit card strategies, airline booking tips, and award redemptions while preparing for their own upcoming travels—Mike is gearing up for a family trip to Alaska, and Angie has multiple destinations in mind, including Anguilla and a potential golf trip to Ireland. They also preview the next Award Travel 101 meetup in Miami, set for September 19–21, featuring a brewery reception, travel seminars, and an immersive art experience. Their tip of the week: don't procrastinate on confirming travel plans.Links to Topics DiscussedUnited and JetBlue form Blue Sky partnershipIHG Cards Enhanced OffersCapital One- Discover Merger FinalizesSouthwest Bag FeesSouthwest Same Day Change Policy ChangeWhere to Find Us The Free 110k+ member Award Travel 101 Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Tickets are now ON SALE for our next meetup in Miami September 19-21. Secure your spot today at https://award.travel/miami2025 Our partner CardPointers helps us get the most from our cards. We love being able to automatically add all of our offers and quickly seeing the best card to use for every purchase. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card! Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.

Today we learn that we're all wrong about Wyndham, we discuss some miscellaneous tips to save on flights, we hear from someone who's traveling the world one day at a time, and much more...(03:07) - "I got the Chase Ink Cash last summer and immediately tested to see if YouTube TV would qualify for the 5x Ultimate Rewards points. ...it didn't."(05:07) - Use Walmart scan and go and it may code as an online grocery expense for 3x on the Chase Sapphire Preferred card.(08:05) - One listener opened a card to get a better boarding position. What crazy thing(s) have Greg and Nick done when opening credit cards?(11:40) - Apparently you can move points online from one Wells Fargo Autograph card to another, (and in that way, could covert cash back to transferable points.)(14:42) - Correction about the 10% discount for the Wyndham Earner card. "For properties where the award can be booked online, Members who are Earner cardmembers must be logged into their Wyndham Rewards account and have enough points in their account to obtain the award at the pre-discounted redemption level."(18:08) - Because you can often buy Wyndham points for under 1cpp (and a couple times now under 0.8cpp), is booking Vacasa rentals with Wyndham points really a way to get good value out of transferrable points for lodging?(21:43) - "I have never heard you discuss and unsung benefit of the Platinum card (consumer at least). With select airlines Amex travel sometimes has a cheaper fare in premium cabins."(27:23) - "On the most recent episode you shared some tips related to the AA aviator companion pass and just wanted to share some additional experiences..."(34:12) - Sometimes airlines charge less per ticket when buying for multiple people vs. just 1 ticket. This listener has a datapoint to add.(36:56) - "Each time after I book via Alaska ( because you cannot change your Alaska number on these bookings, not that I have found ) I get on American Airlines chat and add my American Airlines number for my Executive Platinum status benefits.."(41:10) - "I don't hear people talk much about PointsYeah and tracking existing award tickets. I book a lot of domestic travel for my family where travel dates are fixed and times are limited. I have started tracking all my bookings with PointsYeah (like I do the cash fares with google flights) and I can't tell you how many points back I have received."(44:45) - "I was listening to a recent episode and heard Greg talk about booking an American Airlines business class flight with connections in economy and being able to select Main Cabin Extra for no additional cost when using Alaska miles. I decided to try this with an AA premium economy flight I already booked for my mother and I using Alaska miles to Paris with a connection in Economy..."(46:46) - "Your Question of the Week last week about whether there's a minimum trip length for you to make a trip “worth it” inspired me to share my story..."Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie Yoder

In this episode of the Hurdy Gurdy Travel Podcast, host Justin Vacula is joined by special guest Michael Trager to discuss ZorkFest 2025, a conference focused on maximizing travel and casino loyalty rewards. Scheduled for December 5th-7th in Las Vegas, ZorkFest offers a range of educational sessions covering the use of credit card points, miles, and casino loyalty programs to enhance travel experiences. Topics include detailed discussions on loyalty programs like American Airlines Advantage, Delta SkyMiles, and reward currencies such as Ultimate Rewards and American Express Membership Rewards. The episode also highlights the unique aspects of the event, including hands-on casino game labs, optional masterclasses, and various social activities. Listeners are encouraged to book their reservations early and to engage in the networking opportunities available. Find more information at www.zorkfest.com 00:00 Introduction to Hurdy Gurdy Travel Podcast 00:54 Special Guest: Michael Trager and ZorkFest 2025 03:12 Venue and Logistics of ZorkFest 2025 07:07 Activities and Sessions at ZorkFest 10:06 Speakers and Experts at ZorkFest 17:55 Maximizing Travel and Casino Loyalty Programs 23:20 Responsible Gambling and Risk Management 28:30 Understanding Low-Risk Gambling 28:51 ZorkFest: A Passion Project 30:07 Booking Early for ZorkFest 32:33 Maximizing Comp and Discounted Rooms 36:32 Listener Questions: Gambling in Texas 41:56 Leveraging Casino Promotions 45:26 Maximizing Credit Card Rewards 48:40 Masterclasses and Schedule 51:44 Closing Announcements and Future Events -- Main website, including episode transcripts: https://hurdygurdytravelpodcast.com Referral links: https://hurdygurdytravel.com/donate-referral-links/ CardPointers affiliate link: https://cardpointers.com/hurdygurdytravel Join me for in-person meetups I host in Willow Grove, PA: https://www.meetup.com/phillymilesandpoints/ SubscribeStar: https://www.subscribestar.com/hurdy-gurdy-travel SoundCloud: https://soundcloud.com/hurdygurdytravelpodcast Apple Podcasts: https://podcasts.apple.com/us/podcast/hurdy-gurdy-travel-podcast/id1489093490 YouTube: https://www.youtube.com/channel/UC8EcIcoNU1HK4KKhQtTkAWw Stitcher: https://www.stitcher.com/podcast/hurdy-gurdy-travel-podcast Google Play: https://www.play.google.com/music/listen?u=0#/ps/l5bmuntd4wpvtklvg42ejg42ejg4apiu Facebook: https://www.facebook.com/HurdyGurdyTravelPodcast Twitter: https://twitter.com/HGTravelPodcast Instagram: http://www.instagram.com/justinvacula Copy and paste the podcast RSS feed -- http://feeds.soundcloud.com/users/soundcloud:users:706382626/sounds.rss -- to listen on your favorite podcast-playing platform!

In today's episode we'll discuss what's up with Hilton gift cards, we'll intensely debate Virgin Atlantic award charts, cover 2 different points millionaire promos, then finally, we'll tell you how to earns tons of rewards through shopping portals. (01:29) - One reader reports on their success with the Southwest Companion Pass with just one of the Southwest business cards when it had the elevated 120k offer. Read more about the companion pass here. (04:29) - Chase Bonvoy Bold: now features Chase's Pay Yourself Back benefit. (08:36) - Citi changed transfer rates to Flying Blue to 1.25 (temporarily) (11:38) - Qantas devaluation Aug 5th Check out our Complete List of Transferrable Points Partners here. (18:30) - SAS Eurobonus Millionaire update (22:49) - Chase Travel giving away 1 million Ultimate Rewards points to 10 winners (24:12) - Virgin Atlantic still has award charts (32:43) - Westgate Resorts now bookable w/ Choice Privileges (35:15) - Portal Overview (43:00) - Our favorite shopping portals (starting with Rakuten) (55:54) - Portal Myths Learn more about common shopping portal myths here. (1:12:08) - Stacking Opportunities For more stacking ideas, check out The Art of Extreme Stackery | Ep231 | 12-2-23 here. (1:13:43) - Learn more about card linked offers here. (1:15:26) - Gift Cards (1:16:32) - Learn more about buying gift cards at discount (e.g. Pepper) here: https://frequentmiler.com/instant-gift-card-deals (1:18:05) - Super Stack Example (1:24:26) - What's the deal with Hilton Gift Cards?

Thinking about diving into points and miles but feeling overwhelmed by annual fees? You're not alone! In this episode, we're breaking down our favorite no-annual-fee credit cards and those with annual fees waived for the first year. These cards are not only budget-friendly but also offer incredible rewards to help you travel more for less. Chase Freedom Flex: A Keeper in Every Wallet Alex kicks off the episode with her top pick, the Chase Freedom Flex. This no-annual-fee card earns Chase Ultimate Rewards points and offers 5% back on rotating categories like PayPal and grocery stores. With a 20,000-point welcome offer after spending just $500, this card can easily cover a one-way flight to Europe. Alex highlights how pairing this with a Chase Sapphire card allows you to transfer points to travel partners, unlocking even more value. Chase Ink Business Cards: Pam's Love Language Pam shares her favorite no-annual-fee business cards, the Chase Ink Cash and Chase Ink Unlimited. These powerhouse cards earn Ultimate Rewards points on categories like office supply stores and internet or offer a flat 1.5% back on every purchase. With a whopping 75,000-point welcome offer (after spending $6,000), these cards are a cornerstone of her strategy for racking up points. Maximizing American Express Options Jess introduces the Amex Blue Business Plus card, a no-annual-fee option that earns 2X Membership Rewards points on every purchase up to $50,000 annually. She also mentions the Hilton Honors card, which comes with no annual fee and Hilton Silver status, unlocking perks like the fifth night free on award stays. For anyone looking to maintain Hilton points without paying a fee, this is a fantastic option. Waived Annual Fees: United and American Airlines Cards The team also highlights cards like the United Explorer and Citi AAdvantage Platinum Select, which waive their annual fees the first year. These cards offer valuable perks like free checked bags, priority boarding, and extra award availability for flights. No-Fee Travel Wins From Alex's PayPal points strategies to Jess's tips on tracking targeted offers, this episode proves that no-annual-fee cards can still pack a punch. Whether you're just starting with points and miles or looking to add another card to your wallet, these recommendations are the perfect way to travel smarter without extra costs.     Links For This Episode:  Chase Freedom Flex℠: https://travelmomsquad.com/cff Chase Freedom Unlimited®: http://travelmomsquad.com/cfu Ink Business Cash® Credit Card: https://travelmomsquad.com/cic Ink Business Unlimited® Credit Card: https://travelmomsquad.com/ciu United℠ Explorer Card: https://travelmomsquad.com/uecp United℠ Business Card: http://travelmomsquad.com/ubc How to Qualify for a Business Card   Links For All Things Travel Mom Squad: stan.store/travelmomsquad   Episode Minute By Minute: 00:30 – Introduction: Why No-Annual-Fee Cards Matter 01:37 – Chase Freedom Flex: Rotating Categories and Welcome Offers 06:00 – Pam's Favorite: Chase Ink Business Cards 16:00 – American Express Options for Hilton and Membership Rewards 23:00 – United Explorer and AAdvantage Platinum Select Benefits 30:00 – Wrapping Up: Maximize Value Without Annual Fees

Not to be confused with the Preferred card, the Chase Ink Business Premier card is different in a few very important ways - most notably, it is a charge card and does not transfer directly to travel partners. (00:10) - The Chase Ink Business Premier is quite different from the Chase Ink Business Preferred, discussed in episode 4 of Card Talk here. (01:28) - This is a Visa Signature Business Charge Card (02:23) - Earning with the Chase Ink Business Premier card (02:53) - Points are best used by cashing out (unlike other Chase Ink cards, which earn Ultimate Rewards points that can be transferred to partners.) (05:37) - Purchase protections include Cell phone protection (up to $1K per claim) and Travel protections (06:58) - Watch our video tutorial for how to apply for Ink cards here or read the blog post here. Subscribe and Follow

Now that you've amassed a huge stash of Ultimate Rewards points after listening to Episode 271, how what? Today, we talk about the top 10 best (and bottom 5 worst) uses of Chase Ultimate Rewards points. 00:00 Intro 01:10 Announcements 01:12 New "How to" series on Youtube 02:54 Using buying groups to increase spend 04:10 Giant Mailbag: Online grocery is more broadly useful than you think 07:43 Card News 07:45 Increased offers on the Wyndham cards https://frequentmiler.com/increased-welcome-offers-on-all-3-wyndham-credit-cards-earn-up-to-80k-bonus-points/ https://frequentmiler.com/how-to-get-free-cruises-by-gaming-casino-status-matches/ 11:39 What crazy thing.....did Wyndham Rewards do this week? https://frequentmiler.com/apparently-wyndham-credit-card-points-never-expire-positive-change/ 17:00 Mattress Running the Numbers: Aeroplan to Marriott to MGM 23:41 Award Talk 23:47 United vs Aeroplan https://frequentmiler.com/united-vs-air-canada-which-is-the-better-chase-transfer-partner/ 29:59 Discount partner awards for United Premier status https://frequentmiler.com/united-giving-award-flight-discounts-to-premier-members-cardholders-even-on-partners/ 33:12 Which award search tool is best? https://frequentmiler.com/united-vs-air-canada-which-is-the-better-chase-transfer-partner/ 37:50 Graduate Hotels via Hilton Honors (earn & redeem is now live) 38:47 Main Event: Top 10 best and 5 worst uses of your Chase points 39:21 #10: Booking travel through the Chase Travel portal with the Sapphire Reserve at a value of 1.5c per points 40:40 #9: 70% transfer bonus to Marriott 42:07 #8 Transfer to Emirates and book first class from New York JFK to Milan or Newark EWR to Athens for 102,000 points + ~$130 https://frequentmiler.com/how-to-find-and-book-emirates-first-class-awards/ 44:41 #7 Transfer to United for positioning flights 48:10 #6: Transfer to British Airways Avios to fly Qatar Qsuites to Doha for 70K https://frequentmiler.com/how-to-find-qatar-q-suites-award-space/ 49:58 #5: Transfer to Iberia Avios to book business class from the east coast to Europe from 34K Avios one-way https://frequentmiler.com/best-uses-of-avios-british-airways-iberia-qatar-aer-lingus-finnair/ 53:33 #4: Transfer to Hyatt to book a suite https://frequentmiler.com/how-best-to-book-hyatt-luxury-suites/ 56:10 #3: Transfer to Air Canada Aeroplan and book a multi-partner award with a stopover for just 5,000 additional miles https://frequentmiler.com/nicks-6-country-5-airline-award-ticket/ 01:00:36 #2 Transfer to Flying Blue to book Air France or KLM Business Class for only 50K one way https://frequentmiler.com/air-france-klm-flying-blue-lowers-business-class-award-cost-from-the-us/ 01:05:33 #1 : Transfer to Hyatt to book hotels for great value 01:12:18 In-between: Cash out for $0.01 per point 01:14:18 The worst of the worst uses of Chase points 01:14:23 #5 Transferring to any program to book a low-value award 01:16:23 #4 Buying gift cards with your points 01:17:16 #3 Transfer to Marriott without a transfer bonus 01:18:45 #2 Using your points to shop at sites like Amazon 01:20:54: #1 Transfer points to IHG One Rewards 01:23:59 Question of the Week: How do you protect your miles and points? Beach Walk by Unicorn Heads

Chase Ultimate Rewards points are a valuable transferable points currency, and the Chase Ink Business Preferred card is a great card for earning this valuable currency. In this episode, we discuss what makes this a great card, and if it's a good card to keep year after year. (00:30) - Learn more about the Chase Ink Business Preferred card here. (00:34) - The Chase Ink Business Preferred card earns Ultimate Rewards points (00:48) - Usually has great welcome bonus (01:30) - Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year) (02:44) - Other noteworthy perks of the Chase Ink Business Preferred card (04:34)- What are the approval rules for this card? (For example, what is the 5/24 rule and how does it apply here?) (07:19) - Is this a keeper card?  

Welcome back to another episode where we dive into the fantastic possibilities of points and miles! Recently, one of our favorite cards introduced a welcome offer of 120,000 points! We thought it'd be fun and incredibly useful to share how we each would plan a trip using those points. Whether you're looking to learn about maximizing point value or just dreaming up your next vacation, this episode is packed with insights and real-life travel plans.   Maximizing Chase Points for Dream Vacations Join us as we explore diverse travel dreams that can be realized with 120,000 Chase Ultimate Rewards® points. From the romantic streets of Paris to the enchanting world of Disneyland, learn how each of us would use these points for a memorable adventure, including detailed breakdowns of flights, accommodations, and more.   Planning Your Next Adventure with Points Ready to turn your travel dreams into reality without the hefty price tag? Hit play to discover how you can leverage 120,000 Chase Ultimate Rewards® points for almost any travel goal. Whether you're planning a solo adventure or a family getaway, this episode will guide you through the nuances of award travel with real examples and actionable advice.   Expert Tips on Travel Planning with Points Gain expert insights on booking award flights, choosing the right hotels, and maximizing your points. Discover our strategies for stretching 120,000 points to cover comprehensive travel experiences, ensuring you get the most value from every point spent.   Hit play now to learn how you can turn 120,000 Chase Ultimate Rewards® into your next vacation reality!   Links: Find the Best Card Offer For You and Your Trip! Click Here: https://travelmomsquad.lpages.co/bestoffers Links For All Things Travel Mom Squad: stan.store/travelmomsquad   Episode Minute By Minute: 0:00 - Kickoff: Introduction and why we're focusing on 120,000 Chase Ultimate Rewards®. 1:00 - Alex shares how she'd use the points for a trip to Paris, including flights and accommodations. 3:00 - Detailed look at Alex's booking strategy for Paris, maximizing point value for travel. 5:00 - Pam's plan to revisit the Seabird Resort in Oceanside, California, using her points. 7:00 - Jess outlines a family trip to Scottsdale, including flights and hotel bookings with points. 10:00 - Tips on how to use Chase points effectively for different types of travel. 15:00 - Exploring the transfer value of Chase points vs. booking through Chase Travel℠ 25:00 - Closing thoughts: Encouraging listeners to use their points creatively for upcoming trips.

 In this episode, we discuss the cards we're putting to work from our wallets. The Award Travel 101 Podcast is brought to you in part by Thrifty Traveler Premium. Get Thrifty Traveler Premium deal/award alerts sent straight to your inbox. Use promo code “AT10” for $10 off your first year. Recent finds include:Singapore First Class Suites for 59KRound-trip Caribbean for 17KBusiness class to Europe for 45KYou can find these at ThriftyTraveler.com/PremiumPost of the weekAward Travel will be in Seattle for our fall meet. It's a great way to make friends and learn tips and tricks not shared elsewhere. Dates are 8/16-8/18. Early bird pricing will be through May 31st! Get your ticket today! NewsShould You Get the Chase Sapphire Reserve® or the Chase Sapphire Preferred® Card?United Skyrockets Business Class Partner Award Pricing by up to 200%15K Award Flights to EuropeQatar Airways 30% Transfer Bonus From Citi31+ Promos Ending SoonTrip updatesAngieChicago Seminars rebookingMontana - savings on SouthwestAlaska Companion Certificates for HawaiiJoeWyndham Points save the dayFrontier Status books three tickets with bags and seats for $137What bonuses did we get?Angie - anxiously awaiting AA Barclays Silver cardJoe - working on cards with bonus categoriesHighlight Feature: Workhorse Cards (In Our Wallet Right Now)Award Travel 101 Community members probably know which cards to start with - Chase Sapphire Preferred or Chase Sapphire Reserve, Ultimate Rewards' earning Ink (Preferred, Unlimited, Cash) cards, Amex Gold and Platinum (consumer and business) cards. But what happens when you can't get new cards? Many of us have been in that boat where we can't open new cards for a while. What's next?AngieChase Ink Plus (not open to new applicants)Chase Freedom FlexCiti PremierAmex GoldCiti Double CashJoeCiti American ExecutiveWorld of Hyatt BusinessCiti PremierInk CashWyndham BusinessAmex Biz GoldTip of the weekLook for value in places others aren't. Saving Where To Find the Award Travel 101 Community For questions, you can join us in the free 100,000+ member Award Travel 101 Community. For more intermediate and advanced strategies, join Award Travel 201 community To book time with our team, check out Award Travel 1-on-1. You can also email us at contactawardtravel@gmail.com. Our next meetup is located in SEATTLE on AUGUST 16–18, 2024. For more details and to purchase tickets, visit "Out to SEA" on the award.travel website. Support the AT101 Podcast/Community

In this episode, Mike and Megan discuss creative ways to use Chase Ultimate Rewards Points. They share personal examples of how they have used these points to book flights and hotels at incredible value. They highlight the flexibility and high value of Chase Ultimate Rewards Points, particularly when used with transfer partners like United and Virgin Atlantic. They also emphasize the benefits of the Chase Sapphire Preferred and Chase Sapphire Reserve cards, which currently have elevated welcome offers. ➡️ Check out the Chase Sapphire Preferred Card elevated offer here: https://www.dailydrop.com/credit-cards/chase-sapphire-reserve Keep Up With Daily Drop: Read the newsletter: https://www.dailydrop.com Join the Lounge: https://www.facebook.com/groups/dailydroplounge Check out our top cards: https://dailydrop.com/pages/our-top-credit-cards Follow along on Instagram: https://www.instagram.com/dailydrop/ Prefer a video podcast? Head over here: https://www.youtube.com/@DailyDropPodcast

Episode Description: As a reminder you can watch this show as well at: https://www.youtube.com/@20minutetravel Perhaps the most popular travel card now has an increased offer, but you can do even better! Find out about Chase Sapphire Preferred's increased welcome offer, why we love Ultimate Rewards and how a little patience can score you even more valuable Ultimate Rewards points if you are going to pick up this card. In other travel news Virgin Voyages has a new points promo with Virgin Red that is a great deal for Shawn's favorite cruise line. We also discuss United's sudden devaluation on some awards, why you should proceed with caution when using Buyers Groups, a great new Freedom Flex offer, a trick for opening up award space when using Hyatt suite upgrades and a hack to keep the seat next to you empty when traveling! Episode Guide: 0:00 The ultimate travel hack for seat anxiety? 0:55 Chase Sapphire Preferred increased offer - The ultimate travel card? 2:28 Getting an even better Sapphire Preferred offer by going in-branch 3:33 Virgin Voyages has a great new points deal 5:40 Current transfer bonuses & why you should use caution with them 8:16 Great targeted offer for Chase Freedom Flex 9:55 A warning about Chase's 5/24 rule 10:32 Hilton's new Summer promo 11:53 United devalues even more awards without notice 14:17 A cool trick for Hyatt's Suite Upgrade Awards 15:52 How miles & points can make you lose perspective on travel “costs” 17:02 A warning about Buyers Groups 18:42 How to avoid risk when finding new ways to earn points About the Show: We love to travel and love to laugh! 20 Minute Travel is designed to get you all of the info you need to supercharge your travel by utilizing credit cards, travel rewards and other tricks to pay pennies on the dollar.  Shawn Coomer is the founder of Miles to Memories and has traveled all over the world with his family utilizing miles & points. He has been writing and podcasting about miles, points and travel since 2013 and has earned and spent millions of points & miles across dozens of programs. Mark Ostermann is the former Managing Editor of Miles to Memories and is the Managing Editor at Travel on Points. He has been writing about his travel experiences since 2017 and loves to dive into the weeds so you don't have to. He also enjoys a good beer and a laugh or fifty. Each week tens of thousands of people tune into our MtM Vegas news shows at http://www.YouTube.com/milestomemories. If you like this show check it out! Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at 20minutetravel@gmail.com.

In this episode, Megan provides an ultimate guide to Chase Ultimate Rewards. She explains what Ultimate Rewards are, how to earn them, and why people are kind of obsessed with them. She also explores the different cards that earn Ultimate Rewards and how to build a points family. Megan covers redemption options through the Chase portal and transfer partners, and more!Resources:Written guide to Chase Ultimate Rewards: https://www.dailydrop.com/pages/daily-drop-s-guide-to-chase-ultimate-rewards  2 player mode podcast: https://link.chtbl.com/2playerddpod Portal podcast: https://www.buzzsprout.com/2253039/13973904 Transfer Partner Cheat Sheet: https://bit.ly/ddtransferpartners Miles and Points 101: https://www.dailydrop.com/course-videos/what-are-miles-points Episode Time Stamps:1:08 - What are Chase Ultimate Rewards 4:16 Prioritizing Chase Points5:55 Different Cards that Earn Ultimate Rewards10:10 Why is everyone obsessed with Chase Sapphire Preferred17:50 - Ultimate Reward Redemptions 20:20 - Final thoughtsKeep Up With Daily Drop: Read the newsletter: https://www.dailydrop.com Join the Lounge: https://www.facebook.com/groups/dailydroplounge Check out our top cards: https://dailydrop.com/pages/our-top-credit-cards Follow along on Instagram: https://www.instagram.com/dailydrop/ Hang out on YouTube: https://www.youtube.com/@DailyDrop Prefer a video podcast? Head over here: https://www.youtube.com/@DailyDropPodcast

In this episode we are sharing all of our favorite Hyatts we've visited in San Diego, Oceanside, and Newport Beach. We are such big fans of Hyatt because of their incredible point redemptions compared to other hotel chains. We book all of our Hyatt stays using Chase Ultimate Reward points transferred directly to Hyatt. Here are some of our favorite cards that earn Ultimate Rewards points: Chase Ink Business Cards - we have all 4 of these cardsChase Sapphire Preferred / Chase Sapphire ReserveWorld of Hyatt Chase Business CardFrom pool slides to breakfast buffets, and  fire pits to rooftop cinemas, each hotel offers unique experiences that promise to make your family vacation unforgettable. And we're not stopping there – we'll also share a peek into our wishlist of Hyatt hotels we're eager to explore next. So if you're dreaming of a trip to San Diego or Oceanside, or anywhere in between, tune in to discover why these Hyatt hotels should be at the top of your list!In this episode we share our experiences at: Hyatt Regency Newport Beach Hyatt Regency Mission Bay Spa and Marina Hyatt Regency  La Jolla at AventineManchester Grand Hyatt San DiegoHyatt House San Diego/Sorrento Mesa Hyatt House at Anaheim Convention Center The Seabird (and its neighbor the Mission Pacific too) Travel Party of 5 Blog

The podcast name changed to Wonderland on Points on 2/9/24 - Thank you for your patience as we make these big adjustments! Please find the correct contact info below!Join us as we talk all about our FAVORITE transferable points and how to earn them. In this episode, we do a deep dive into the world of Ultimate Rewards and how to spend them! We will also walk you through the benefits of the all-time favorite beginner card- the Chase Sapphire Preferred.Email us with your questions: WonderlandonPoints@gmail.comFind us on Instagram:Jo: @PointstoWonderlandMary Ellen: @FamilyTravel4TheWinPoints to Wonderland BlogCredit Card Referral LinksChase Sapphire PreferredChase Ink Cards

www.atravelpath.com Ryan and Katie's Social and Website: https://www.instagram.com/smilkos_lens/ https://smilkoslens.com/ Ryan and Katy Smilko share how they made their travel dreams come true after many, many years of trials and tribulations. Their itch for traveling together began after their wedding in Maui and they soon discovered the online content creation world and were all in.

Big wins start with solid strategy. This week, we talk about which cards you must have before you start applying with reckless abandon as well as which cards you should probably be considering that are all likely limited by the 5/24 rule. If you play your cards right, you can easily end up with all the cards you want and need before you get locked out of more. 00:00 Intro 00:55 Giant Mailbag: A "wea culpa" 03:41 Card Talk: Chase Freedom Unlimited & Chase Freedom Flex cards https://frequentmiler.com/cfu/ https://frequentmiler.com/cff/ 11:47 What crazy thing . . . triple header? 12:08 What crazy thing . . . did Wyndham Rewards do this week? https://frequentmiler.com/how-to-prevent-wyndham-points-from-expiring/ 15:32 What crazy thing . . . did Avianca LifeMiles do this week? https://frequentmiler.com/current-point-transfer-bonuses/ https://frequentmiler.com/having-issues-booking-with-lifemiles-try-using-the-firefox-browser/ 17:38 What crazy thing . . . did Avianca LifeMiles do this week? https://frequentmiler.com/cancelling-a-lifemiles-award-ticket-maybe-less-painful-than-you-thought/ 21:25 Award Talk 21:27 Air New Zealand Business Class wide open close-in https://frequentmiler.com/air-new-zealand-business-class-awards-wide-open-close-in/ https://frequentmiler.com/avianca-lifemiles-awesome-mixed-cabin-award-pricing-first-class-for-less/ 29:30 Contacting the hotel works out well https://frequentmiler.com/gift-hotel-points-free-night-certificates-and-award-nights-booked-with-points-rules-by-program/ 34:50 Main Event: Must-have Chase cards 36:37 Determining your 5/24 count 41:05 The Ultimate Rewards points cards https://frequentmiler.com/chase-transfer-partners/ 47:21 Fee-free UR cards 49:58 Which Ultimate Rewards cards are must-have keepers? 57:53 Which Chase airline cards are keepers? 1:03:30 Which Chase hotel cards are keepers? 1:10:44 Question of the Week: How do you audit and chase down your missing points? Music credit: Annie Yoder

Jenna from @thetravelinghansens leaves next month for a three week European tour with her family of six! Disneyland Paris is one of their stops, and she's sharing how she saved 50% on tickets, and why they chose Parc Disneyland as a day-trip from the city. Also discussed: the best hotel brands for larger families near Disney Parks, and Kim's favorite tool for setting hotel availability alerts for hard-to-find redemptions. Our favorite card to open & earn IHG Points for Holiday Inn/Holiday Inn Express: IHG® Rewards Premier Business Credit Card Our favorite card to open & earn Ultimate Rewards to transfer to Hyatt: Chase Sapphire Preferred® Card Ink Business Preferred® Credit Card --- Support this podcast: https://podcasters.spotify.com/pod/show/samantha-holland3/support

Welcome back travel hackers! If you're a regular listener of our Travel Hacking Moms podcast, you know that we're all about sharing tips and tricks to make the most out of our global adventures. This week, we're giving you a deep dive into one of our all-time favorite hotel chains—Hyatt!  On this episode, we - Pam, Alex, and Jess - opened up about our journey to becoming Hyatt superfans, despite having previously dabbled with a variety of hotel rewards programs. We let you in on why Hyatt has us singing its praises, revealing the alluring benefits of the Hyatt program. Interestingly, we didn't always have this love for Hyatt. Our transition from hotel free-agents to Hyatt die-hards was gradual, evolving from a combination of disappointment with other hotel rewards programs and the enticing advantages offered by Hyatt.  The game-changer? The real value of Hyatt started to shine when other hotel rewards programs began to slowly devalue their points. Amidst the 2020 pandemic, Hyatt cleverly made it much simpler to achieve their coveted Globalist status, igniting a spark of interest among travelers. Pam summed it up perfectly: once you taste the perks of being a Globalist, you simply can't go back.  In addition to the irresistible Globalist status, we talked about the ease of earning Hyatt points, particularly compared to other hotel brands. With Hyatt's beneficial partnership with Chase, we can effortlessly accumulate points through Hyatt Personal and Business Cards, as well as Chase's Ultimate Rewards cards like the Sapphire Preferred, Reserve, Freedom Flex, Freedom Unlimited, and Ink Cards.  We also reminisce about our favorite Hyatt stays to date, leaving you daydreaming about fantastic locations and luxurious hotel experiences. We won't spoil the surprises, but let's just say these stories might just inspire your next vacation destination. Whether you're already a fan or just Hyatt-curious, this episode offers insights that can turn your travel dreams into affordable realities. So tune in, take notes, and who knows, you might find yourself joining Team Hyatt by the end! Until the next episode, keep exploring and happy hacking!   Links:  Free Gifts and Resources To Start Your Travel Hacking Journey: Free Webinar: How to Start Traveling for Nearly Free Best Current Credit Card Offers: Best Rewards Card Offers | Travel Hacking Mom Award Travel Academy: Award Travel Academy Our Website: https://travelhackingmom.com Connect With Us: Newsletter signup: https://travelhackingmom.com/newsletter Instagram: Alex + Pam + Jess | Points & Miles (@travelhackingmom) TikTok: travelhackingmom's Creator Profile Facebook group: Travel Hacking Mom Group | Facebook   Links For This Episode:  Ultimate Guide to Hyatt: Ultimate Guide to Hyatt   Episode Minute By Minute: 0:00 Show introduction 1:04 Why we weren't always obsessed with Hyatt 4:38 What makes it so easy to earn rewards points with Hyatt 10:00 Hyatt, still offering an award chart! (If you are already a travel hacker you know how huge this is!) 13:03 The path to free flights: Our tips when bundling with Hyatt 19:04 Once you go Globalist, you never go back!  28:34 Some of our favorite Hyatt stays to date and how to book yours 37:25 The Hyatt Hotels bucket list: Where we are heading next and why!  

Welcome back to the Travel Hacking Moms podcast! Today, we (Alex, Pam, and Jess) shared our experiences and compared two fantastic Hyatt properties in Hawaii - the Grand Hyatt Kauai and the Hyatt Regency Maui. Let's dive into our adventure and see which resort came out on top! First, let's talk about the booking process. We booked our stays using Hyatt points, which we mostly earned through Chase Ultimate Rewards cards. We highlighted the incredible value of using points for these luxury resorts, as award stays at Hyatt properties don't incur any resort fees or taxes. Can you imagine staying at a luxurious hotel for $0? Yep, that's right - zero dollars! Now let's dive into our experiences at the resorts. Jess shared her thoughts on the Grand Hyatt Kauai, describing it as beautiful but enormous. You'll definitely get your steps in, as she mentioned clocking in over 15,000 steps just by staying on the property. The Grand Hyatt Kauai is spread out horizontally, while the Hyatt Regency Maui is built vertically. While we felt the rooms at the Grand Hyatt Kauai needed some updating, the hotel is in the process of renovating and upgrading all of their rooms. As for the Hyatt Regency Maui, Alex and Pam both had upgraded rooms with a king bed, a queen bed, and a sofa bed. We found the rooms spacious and perfect for a family. The layout of the resort is more compact compared to the Grand Hyatt Kauai, but still offers a beautiful experience. In terms of amenities, all three of us have Globalist status, which granted us access to club lounges, free valet parking, upgraded rooms, and complimentary breakfasts. We were amazed by the value we received during our stays. So, who won the battle of the Hawaiian Hyatts? The verdict is still out, as each resort offers unique experiences and layouts. Both the Grand Hyatt Kauai and the Hyatt Regency Maui provide luxurious accommodations and amenities, making them excellent choices for your next Hawaiian vacation. If you're interested in learning more about earning Hyatt points and maximizing your travel experiences, don't forget to check out our show notes for our ultimate guide to Ultimate Rewards and our guide to Hyatt points.   Links:  Free Gifts and Resources To Start Your Travel Hacking Journey: Free Webinar: How to Start Traveling for Nearly Free Best Current Credit Card Offers: Best Rewards Card Offers | Travel Hacking Mom Award Travel Academy: Award Travel Academy Our Website: https://travelhackingmom.com Connect With Us: Newsletter signup: https://travelhackingmom.com/newsletter Instagram: Alex + Pam + Jess | Points & Miles (@travelhackingmom) TikTok: travelhackingmom's Creator Profile Facebook group: Travel Hacking Mom Group | Facebook Links For This Episode:  Chase Sapphire Preferred Ultimate Guide to Ultimate Rewards: https://travelhackingmom.ck.page/ultimateguide Guide to More Hyatt Points: https://travelhackingmom.ck.page/30d86a9455 Episode Minute By Minute: 0:00 Let's talk about our favorite Hawaiian stays!  1:27 Grand Hyatt Kauai vs Hyatt Regency Maui - how we booked them 4:27 The hotel itself - Grand Hyatt Kauai 10:39 The hotel itself - Hyatt Regency Maui 18:55 Location and beaches - Grand Hyatt Kauai  26:22 Location and beaches - Hyatt Regency Maui 30:35 Pools and grounds - Grand Hyatt Kauai 33:56 Pools and grounds - Hyatt Regency Maui 37:53 Clubs at the Grand Hyatt Kauai  44:19 Clubs at Hyatt Regency Maui  47:05 Flavored water and restaurants available 52:39 Which is truly better?  

Points for the Win (from the group)!Award Travel 101 member, Nicole Fischer Swallen, shows us how it's done with her New Zealand trip report. It's a great example of how to piece a trip together. “I used certs that were going to expire by March. We were not penny pinching or trying to make the stay free.”Awards UsedMarriott Free Night Award certificate.55K Alaska miles +$51 per person 65K AA miles + $47.27 per person (one card bonus could net those miles)NEWS & ENHANCED OFFERSHyatt Acquisition of Mr. & Mrs. SmithUnited Polaris - Thursday night INSANITY for 3 hoursMike Booked - CLE-IAH-SYD March 14-19.Park Hyatt SydneyJoe Booked CLE-IAH-SYD March 15?2 nights at Hyatt Regency SydneyDelta One back to the states Hyatt Bonus Journeys - 3K points every 2 nights WHAT BONUSES DID WE GET?Mike - Chase Ink Unlimited - almost finished Minimum Spending Requirements (MSR) to earn welcome offerP2's 20,000 point referral bonus posted. Consolidated Chase Ultimate RewardsAmex Business Gold - Applied on a whim. Looking at Singapore (SQ). Prefer using Membership Rewards to protect Ultimate Rewards for World of HyattAward Travel 201 Benefit - Enhanced Amex Welcome Offers benefitting membersJoe - what's going on with Citi? I really wanted my wife to get that enhanced Citi Platinum American AAdvantage offer!TRIP UPDATESMike - Grand Canyon recapAustin in late SeptemberHIGHLIGHT (Main Feature) the Freddie Awards (Americas)See more in the Award Travel 101 by AwardWallet Community. Best Hotel Customer Service - MarriottBest Airline Customer Service - SouthwestBest Hotel Elite Program - HyattBest Airline Elite Program - American AAdvantageBest Hotel Promo - MarriottBest Airline Promo - AeroplanBest Hotel Redemption - MarriottBest Airline Redemption - AeroplanBest Credit Card - Southwest Rapid RewardsHotel Program of the year - MarriottAirline Program of the Year - Aeroplan210 - Hotel Accor210 - Airline WestjetWhere To Find the Award Travel 101 Community For questions, you can join us in the free 100,000+ member Award Travel 101 Community. For more intermediate and advanced strategies, join Award Travel 201 community To book time with our team, check out Award Travel 1-on-1. You can also email us at contactawardtravel@gmail.com. Our next meetup is located in San Antonio, TX on April 26–28, 2024, and it's SOLD-OUT. You can get on our wait-list, but to learn more visit Taco 'Bout A Fiesta! Support the AT101 Podcast/Community

Do you know what a fish extender is? You're about to: @Alitravelpoints just got off a Disney Fantasy Cruise, and is here to tell us how she saved money and earned 35,000 Ultimate Rewards booking this vacation. Ali was born and raised in Panama; in fact, her first trip to the U.S. was to Disney World. She's a pro at booking award flights; mention the Disney Points Podcast when you sign up to receive at extra 30 minutes! Join her travel points insiders list and get free resources here. Read more about how to book a Disney Cruise on Capital One Points at AlmostFreeTraveling.com --- Support this podcast: https://podcasters.spotify.com/pod/show/samantha-holland3/support

Want piles of American Airlines miles? Here are your best strategies for amassing a massive amount of miles in the valuable AAdvantage rewards program. 00:00 Intro 01:03 Award Talk 01:04 Booking The Signature at MGM Grand via Airbnb https://frequentmiler.com/hacking-las-vegas/ 07:10 Roame.Travel adds JetBlue 08:07 Seats.Aero helps Greg find Qsuites availability 09:28 Giant Mailbag: Laddering flights 12:40 Giant Mailbag: Can I transfer Ultimate Rewards to American Airlines miles at a rate of 2:1 right now? 16:10 Card Talk: American Airlines cards 16:55 Citi AAdvantage MileUp card https://frequentmiler.com/aamileup/ 19:17 Citi AAdvantage Platinum Select https://frequentmiler.com/aaplat/ 22:50 Citibusiness AAdvantage Platinum Select card https://frequentmiler.com/aaplatbiz/ 23:31 Citi AAdvantage Executive card https://frequentmiler.com/aaexec/ 28:14 Barclays AAdvantage Aviator Red https://frequentmiler.com/aviatorred/ 30:24 Barclays AAdvantage Aviator Silver https://frequentmiler.com/aviatorsilver/ 36:16 Barclays Aviator Business https://frequentmiler.com/aviatorbiz/ 38:36 Main Event: Amassing American Airlines miles 38:40 Credit card strategies 49:47 AAdvantage Shopping Portal 53:06 SimplyMiles 56:48 Rewards Network AAdvantage Dining 57:38 Hotels: Rocketmiles / BookAAHotels https://frequentmiler.com/best-way-to-earn-aa-miles-status-via-hotel-bookings/ 1:00:36 Hotel partnership with Hyatt https://frequentmiler.com/hyatt-american-airlines-partnership-now-live-link-your-accounts-now/ 1:02:46 Car Rentals 1:04:10 Shell partnership 1:04:40 Banking: Bask Bank & Citi Checking bonus 1:10:36 Question of the Week: How can you value Hyatt points more highly than Chase Ultimate Rewards points? https://frequentmiler.com/what-are-hyatt-points-worth/#How_can_Hyatt_points_be_worth_more_than_Ultimate_Rewards Music credit: Annie Yoder

Miles & Points for the Win (from the group)!Katy Krouth - Polaris Business Class both ways to Thailand. You can share your Award Travel wins too - whether BIG or Small! Stephanie Staiano - QSuites to South Africa - with AT101's help she was able to (earn)  select the right cards, meet the SUB and (burn) book RT for 190k pp from East Coast figuring out Avios and QA. “Not sure if that's a good CPP and don't really care.” Don't worry about the CCP police.NEWS & ENHANCED OFFERSDetails Of New Chase “Sapphire Experience” At Austin Airport, Opening Next MonthWhat are the new 5X Freedom categories? Bask raises Increases interest rate payout on savings accounts again! Brex Rewards devaluation - most of us were fired anyway, but will others follow suit?WHAT BONUSES DID WE GET? Nothing new for JoeJerod -Citi Premier - are you eligible?Working on Citi AAdvantage PlatinumApproved for Chase Ink CashApproved for Amex Biz Platinum TRIP UPDATES? Joe - Renewed kids passportJerod - Cancun (le blanc - not on points) but flights on pointsAlila VentanaParis - Flying Blue Sweet spotsHIGHLIGHT (Main Feature) Meet the Mods - Jerod Morales & Business Class for SIXHow'd you get introduced to travel rewards/loyalty programsBackground - 1st card Chase Sapphire PreferredFamily Travel - Expensive and reward programs can help reduce costsSome of your highlights - Singapore 5th Freedom route (Houston to Manchester) in Business class for 6How you like to travelFavorite programs - Ultimate Rewards, World of Hyatt, British Airways, Southwest Rapid RewardsWhat trips do you have booked now, and what are you most looking forward to? Jerod's Tips to Save T-MobileClear US customs departing DUB > great with familyWhere To Find UsFor questions, you can join us in the FREE 91,000+ member Award Travel 101 Community. Where To Find the Award Travel 101 Community For questions, you can join us in the free 100,000+ member Award Travel 101 Community. For more intermediate and advanced strategies, join Award Travel 201 community To book time with our team, check out Award Travel 1-on-1. You can also email us at contactawardtravel@gmail.com. Our next meetup is located in San Antonio, TX on April 26–28, 2024, and it's SOLD-OUT. You can get on our wait-list, but to learn more visit Taco 'Bout A Fiesta! Support the AT101 Podcast/Community

Episode Description In this episode Shawn & Joe discuss the recent death of a few award sweet spots. Is the rise of virality on social media platforms like Tik Tok causing deals to die sooner and does this mean casual travelers really shouldn't invest time and energy into learning the miles & points hobby? In other news Amazon has brought back their popular Amex Membership Rewards Pay with Points deal. You can save up to 50% off if you are targeted and this works on gift cards. Chase also is releasing a massive welcome offer on the Sapphire Preferred that should get people looking at this card and the Ultimate Rewards program if they aren't already. Episode Notes 3:41 - Nostalgia travel 9:46 - Award sweet spots ending and thoughts on the state of the miles and points “hobby” Chris tweet Spencer tweet 20:59 - Big Chase Sapphire Preferred bonus 30:08 - Amazon + Membership Rewards deal is back Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Sticher, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know! Music: Rewind by Jay Someday | https://soundcloud.com/jaysomeday Music promoted by https://www.free-stock-music.com Creative Commons Attribution 3.0 Unported License

Hey there, fellow travelers! Alex, Pam, and Jess here, also known as the travel hacking moms. :) Today, we want to talk to you about our favorite points and the many cards we have that help us earn even more of these points. If you follow us on Instagram @travelhackingmom or read our blog, then you already know that our go-to points are Chase Ultimate Rewards points. Not only do they offer fantastic travel partners to transfer your points to, but there are two best-ever offers on two of our favorite Chase cards that are ending soon. So this is an urgent episode! If you are on the fence about Travel Hacking, this is your chance! It's never been easier to earn points.  Let's dive a little bit deeper into these offers on the Chase Ink Business Unlimited and Ink Cash. Not only have the welcome offers increased, but the minimum spend has decreased, which is a rare occurrence. So, if you're looking to maximize your travel rewards, now is the time to take advantage of these offers. The eleveated offers on these cards is ending March 21, 2023 at 9 am ET.  Again, we love Chase Ultimate Rewards points. Firstly, they are easy to earn. There are so many cards that earn these points, which makes it easy to accumulate them quickly. Secondly, you can combine your Chase Ultimate Rewards points with anyone else who lives in your household and has a card that earns these points. This makes it convenient for families to pool their points together and book trips. Plus, Chase is the only bank that transfers to Hyatt, which is a hotel brand that we are obsessed with!  Being able to transfer points from Chase to Hyatt makes them extremely valuable for us. If you have listened to our recent episodes, you know that we have stayed in some once-in-a-lifetime hotels and resorts thanks to Hyatt!  Hit play to learn more!  We hope this has been helpful and has inspired you to take advantage of these fantastic rewards. Happy travels! Links:  Free Gifts and Resources To Start Your Travel Hacking Journey: Free Webinar: How to Start Traveling for Nearly Free Best Current Credit Card Offers: Best Rewards Card Offers | Travel Hacking Mom Award Travel Academy: Award Travel Academy Our Website: https://travelhackingmom.com Connect With Us: Newsletter signup: https://travelhackingmom.com/newsletter Instagram: Alex + Pam + Jess | Points & Miles (@travelhackingmom) TikTok: travelhackingmom's Creator Profile Facebook group: Travel Hacking Mom Group | Facebook Links For This Episode:  Ink Business Cash Affiliate Link: Travel Hacking Mom | Card Offer Ink Business Unlimited Affiliate Link: Travel Hacking Mom | Card Offer Ultimate Guide to Ultimate Rewards: https://travelhackingmom.ck.page/ultimateguide Can I Get A Business Credit Card?: Can I Get a Business Credit Card? - Travel Hacking Mom How to Combine Ultimate Rewards: How to Combine Ultimate Reward Points - Travel Hacking Mom Transfer Partner Cheat Sheet: travelhackingmom.ck.page/cheatsheet How to Transfer Chase Ultimate Rewards: How to Transfer Chase Ultimate Rewards Episode Minute By Minute: 0:48 Card offer that are ending soon 1:28 Did you catch this inside joke? 3:01 Why earning Chase points are so easy to earn 6:44 How to open a business a card even if you don't have a business 8:30 The downside of cashback cards  11:33 Easy ways to get 5% cashback  16:11 A quick recap of these great cards! 18:17 How to easily combine points  23:38 Alex's #1 tip for everyone listening 26:29 Why you can earn points quickly with Hyatt 27:49 Our favorite ways to earn Chase points  35:12 How to get more of our tips to unlocking Ultimate Points 

You're going to love hearing from our resident Hyatt Hype guy Geoff, here to explain why travel hackers are obsessed with Hyatt and what it has to do with Disney. Geoff uses points to save thousands on trips for his family of 7--or getaways with his wife--at Hyatts in Puerto Rico, Cancun, & the Sail Rock Resort at Turks & Caicos. Hear how he recommends fast-tracking the coveted Globalist status, an explanation of Guest of Honor, and which Hyatts near Disney parks we recommend. And if you need a refresher on how to earn lots of Ultimate Rewards to keep your Hyatt account stocked, check out our episode "Unlimited Chase Ultimate Reward Points." --- Support this podcast: https://podcasters.spotify.com/pod/show/samantha-holland3/support

Mackenzie from @travelhacksmack prioritizes travel as much as possible while working her 9-5 as an Explosives Engineer. She uses points, miles, credit cards, and other strategies to save money while traveling, whether experiencing a new country, visiting friends or family, or volunteering. In the past year, she's spent $691 on $5,037 worth of economy flights. She loves to create detailed, instructional, and sometimes silly content teaching others how to do the same, regardless of budget, by maximizing point earning opportunities and taking advantage of transfer partners. One of the keys to being able to book last minute is flexibility, and having cards that earn flexible points definitely helps with that. The Chase Sapphire Preferred's Ultimate Rewards points transfer to more than a dozen different partners, and it's the most popular card for people looking to get started with points and miles. Remember, if you decide to apply for the Chase Sapphire Preferred or any other card, never apply directly through Google – always use a friend or creator's referral link. If you are interested in supporting this show when you apply for your next card, check out geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations at geobreezetravel.com/consultations ! And we have the links to the Chase Sapphire Preferred and the free consultation form for you in the show notes as well. And now, on with the show! Chase Sapphire Preferred: https://milevalue.com/creditcards/chase-sapphire-preferred/?aff=gbt AwardLogic: https://www.geobreezetravel.com/awardlogic You can find Mackenzie at: Instagram: https://www.instagram.com/travelhacksmack/ You can find Julia at: Start here: https://www.geobreezetravel.com/starthere Website: https://www.geobreezetravel.com Instagram: https://www.instagram.com/geobreezetravel Credit card links: https://www.geobreezetravel.com/cards Masterclasses: https://www.geobreezetravel.com/hangouts Patreon to access recordings of masterclasses: https://www.patreon.com/geobreezetravel Award travel coaching call: https://www.geobreezetravel.com/calendly Sign up for the newsletter and get exclusive access to sign up for free coaching calls: https://www.geobreezetravel.com/free-coaching Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as milevalue .com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress .com to learn more.

Did you know you could open a business card with as little as $100 in annual side income? This bonus episode is all about business cards: detailed tricks to filling out applications (just be honest), why you should consider business cards, how close together to open them (and when to close them), what to do if you're not approved right away, and how it all affects your credit score. Plus, Sam is sharing how she's on her way to 90,000 Ultimate Rewards because she recently got approved for her first Chase business card--even though she's 5/24! Thanks for supporting our podcast by following us on Instagram and using our links when you open a new card! Kim is @thatminivanbloglife and Sam is @almostfreetraveling. You can message us with questions there, too! --- Support this podcast: https://podcasters.spotify.com/pod/show/samantha-holland3/support

Did you know it's possible to perpetually open Chase cards and earn more Ultimate Rewards? Listen as Heather from @Homeschoolingonpoints explains her methodology for funding all her Disney trips with Chase Ultimate Rewards! She's an expert on opening Ink Business cards, and we discuss how to open a business card with a side income as low as $500. She's also reopened American Express cards, and explains which ones the "once in a lifetime" actually applies to. Credit Cards mentioned in this episode: Chase Ink Business Cash Credit Card (the 5x Office Supply One) Chase Ink Business Unlimited Credit Card (the 1.5x on Everything One) Chase Sapphire Preferred Credit Card (allows you to convert the cash back into Ultimate Rewards) Chase Sapphire Reserve Credit Card --- Support this podcast: https://podcasters.spotify.com/pod/show/samantha-holland3/support

Did you know that your Ultimate Rewards points can still transfer to Amtrak? Or that Citi ThankYou points can become British Airways Avios? This week we talk about ways to wave your magic wand and convert your points creatively. 1:18 Giant Mailbag: Award availability disclaimers 5:33 Confession Time! 9:36 What crazy thing...did British Airways do this week? https://frequentmiler.com/qatar-airways-now-using-avios-book-qsuites-to-from-doha-for-70000-avios-each-way/ 12:22 Mattress running the numbers: Are the IHG cards worth big spend? https://frequentmiler.com/ihg-premier-cards-worth-big-spend/ 33:54 Main Event: Magical Point Conversions First up: JetBlue to Amtrak https://frequentmiler.com/opportunity-missed-dont-forget-about-that-jetblue-to-amtrak-conversion/ 38:04 The Avios Collection 42:30 Wyndham to Caesars Rewards or vice versa https://frequentmiler.com/how-i-saved-my-wyndham-points-from-expiry/ 44:33 Hyatt-->LATAM / Aeromexico 49:40 Chase, Citi, Capital One, or Bilt to Hilton https://frequentmiler.com/transfer-partner-master-list/ 56:51 Question of the Week: What hotel card combo do you recommend for free nights? https://frequentmiler.com/manufacturing-free-nights-hyatt-hilton-marriott/ Subscribe to our email list: https://frequentmiler.com/subscribe/ Music credit: Annie Yoder

Wondering how to earn more points towards travel? Trying to decide which travel credit card is the best fit for your family? This week we chat with points and miles expert Jennifer Yellin about the best travel credit cards for families. Kim and Tamara also talk about the changing travel restrictions in Europe, the Caribbean, and cruises. Note that since this podcast was recorded, Italy has also dropped its testing requirement for fully vaccinated travelers. About Jennifer Yellin Jennifer Yellin is the founder of Deals We Like, where she helps her readers travel on a deal. She writes about everything travel related, such as travel credit cards, travel rewards (points and miles) and travel destinations. Jennifer is also a freelance writer for CNN Underscored and The Points Guy where she writes on similar travel topics. Jennifer loves traveling to beach destinations and embracing ski trips with her family. How to Pick the Best Travel Credit Card for your Family For family travel, you need to book early if you are looking to use points since they are popular times to travel and you need more seats than if you are traveling solo When choosing a credit card to start using points there are some that are very easy to redeem points, like Capital One which allows you to earn points and then use the points eraser to erase the travel charge on your credit card. Others, like Chase Ultimate Rewards, you transfer your points to airline or hotel programs to use your points. You can get better value that way but it takes a little more work There are also airline or hotel specific cards that provide certain perks, like a free night certificate or free baggage, that can be valuable if you are able to fully utilize it Also look at the annual fees and make sure you are getting more value than you are paying in annual fees The Hyatt card will help you earn Globalist status, which will provide nice perks like room upgrades. See our episode about the best hotel loyalty programs Southwest is a popular card for Southwest fliers that can earn the Companion Pass (see our episode about flying families for free) The Chase Sapphire Preferred is a great card but wait to sign up until they have a very good sign up bonus. Points transfer easily on a one-to-one basis and you can even book through their travel portal. They have a partnership with Southwest and OneWorld Alliance members like American and British Airways If you transfer 1-to-1 to Hyatt, you will get more value out of your points then transferring to Marriott If you do decide to have multiple cards, make a note of which cards give more points for specific categories (e.g. gas, travel, supermarket) and put a piece of tape or label on each card and write on it which category to use that card for If you have a specific trip in mind, find out what hotel you want to stay at and then look at signing up for that hotel brand credit card and sign up when there is a good bonus (unless a card like Chase has a better welcome offer) You can also sign up for credit cards in you and your partner's name or a personal and business card to get multiple sign up offers if you have a specific trip in mind When you want to use points for a family, it can be hard to find enough free seats for everyone. Just keep in mind that if you book separately you may end up separated if they reshuffle the flights but you can try to get the itineraries linked to avoid this If you have status, you probably want to buy a ticket for the person with status and use points for the rest Expert Flyer is a membership website that helps you find special award availability For international airlines, it also helps to use an award booking service to help find flights to a specific destination, these usually cost about $150-200. Usually you don't pay unless you can book You can use Point.me (used to be Juicy Miles) where you put in your itinerary and the system will provide you with options that you can book and that is a less expensive service because it is automated When you transfer points, it can take 24-48 hours for the points to show up in your account and you can't book until they are available. You can Google how long it takes to transfer points between specific programs Once you transfer points from your credit card to an airline or hotel program, you can switch them back to the credit card so be sure you want to use them To earn additional points, sign up for every shopping portal available such as eBates/Rakuten (for cash back or points), some have Chrome Extensions to remind you to purchase through the portal. Most mainstream ecommerce sites will earn you points There are also a lot of sign up bonuses around big shopping weekends Cashbackholic will show you which shopping portals offer the best rates/points offers EV Rewards will also compare for you Always look at the targeted offers that are sent to you from your credit card companies to earn extra points or cash back Buy gift cards through shopping portals, put purchases on credit card and have others pay you back for group dinners, class gifts, etc. Never sign up for a credit card without a sign up offer Southwest currently has a good offer for earning a Southwest Companion Pass Make sure you can always easily meet the minimum spend requirements when signing up for a new card If you are applying for a mortgage or a loan soon, don't apply for a new credit card, but otherwise it won't hurt your credit score Cancel cards when you are no longer getting value, but you can also call and see if you can get a fee waived or reduced If you have applied for 5 or more Chase cards in 24 months, you can't get approved for a new card and Amex offers are usually once in a lifetime but you may be able to get it once they roll off your credit card in seven years or so Full Episode Transcript [00:00:00.190] - Kim Tate Stay tuned to find out how you can charge your way to free travel. [00:00:15.450] - Announcer Welcome to Vacation Mavens, a family travel podcast with ideas for your next vacation and tips to get you out the door. Here are your hosts, Kim from Stuffed Suitcase and Tamara from We 3 Travel. [00:00:29.890] - Kim Tate Tamara. It's kind of a fun intro today because I feel like we're going to share some happy news for a change that's happening. Do you want to kick us off and start talking about some changes that are happening in the travel space lately? [00:00:41.710] - Tamara Gruber Yeah. I mean, just overall, I think everyone feels a whole lot better than they did a month ago, for sure. And I know traffic to my website showing that people are more interested in international travel than they have been, for obvious reasons. But it's just so nice to be on the side of things where it's like things are getting better. [00:00:58.670] - Kim Tate We have good news. Yeah. [00:01:00.680] - Tamara Gruber But as you guys know, we're planning a spring break trip coming up very quickly, and we've been keeping everything crossed that everything goes okay. But we saw just actually, I just saw very recently, I think it was on February 12 that France has lifted their testing requirement to get into the country. So it's just like one of these hurdles that I can check. I can just cross off like, okay, the day before, how am I going to get the test that I need? And is it going to come back in time depending on how things are there or they're going to shut now that things are better, they're closing some testing centers. What's the best way to get this test that they need? So it's just like one of those hurdles that I don't have to go through now. And it's just it's such a relief. And also because Hannah had COVID in early January, I was actually going to get her tested to see if she's still testing positive. Do I need to get the doctor's note and go through that whole thing? And so as restrictions are lifted, it's just so nice to have one less thing that you have to do as you're getting out the door, and then one less thing that could kind of screw up the road. [00:02:11.860] - Tamara Gruber Obviously, you could still get sick, but hopefully you would know that versus like, oh, no, you're actually asymptomatic. Not that we want to be traveling asymptomatically, but you know what I mean? So I'm just encouraged that there are a number of European countries that are lifting their testing requirements at the same time, though, I should say that is for people that are fully vaccinated and different countries have different rules about full vaccination. Like, for example, for France, you need to also be boosted if it's been more than seven months since your second shot or your only shot if you're like me when it was Johnson, Johnson. So you need to follow still those kind of guidelines and all of the rest. But at least on the testing front, it's one thing. So, yeah, so France lifted it. The UK has lifted that, Ireland has lifted it. Spain lifted it. And I've seen that both Portugal and Greece have lifted it for the EU. And so my matter of time before they lift it for the US as well. And part of it might be like the US still has the requirement that people need to test, including US citizens, on entry into the US. [00:03:24.420] - Tamara Gruber So it might be one of those things where it's like, well, if you lift it for us, we'll have it for you kind of thing. But yeah, at least I mean, right now we're still going to have to get tested in France to go into Italy. But at least we know that that's pretty easy to do. Like, there's tons of pharmacies around and it's cheap and readily available and fast turn around. So I'm not as worried about that. And then I actually just ordered some testing kits from EMED, which is what you and I used when we were in Portugal because it's the proctored self testing that is accepted for return to the US. [00:04:00.540] - Kim Tate And it's instant. Yeah, it's really good. [00:04:02.170] - Tamara Gruber Yeah. [00:04:03.870] - Kim Tate That horrible one day window that the US enacted, which I hope they're going to reedit that now that Omicron is calming down because that one day is a big ask. [00:04:13.080] - Tamara Gruber Yeah, it's definitely and I was worried about like, oh, if we're in Italy, I know I can get tested, but will the turnaround be in time? So I just felt like bringing these along is going to be the easiest scenario. We just do that in the room and we'll be all set. So positive news on my friend. And I know you've been paying attention to some other stuff going on, so you have some positive news, too. [00:04:34.640] - Kim Tate Yeah. Well, we're headed out on a cruise for spring break, and we're getting numerous emails that keep coming in because cruises are really volatile right now with the way they're changing. A lot of them went back into even a lockdown. They canceled a lot of cruises in January. And now I think things are loosening up, and so that's kind of opening up options. And so I think that for cruising, just know that cruising is back. Cruises in general have always been, as we talked about in that episode a while back, they're pretty obsessed with cleanliness and germs because of other things like norovirus that they've had issues with. So just know that cruising is back. And so if that's an option. The other thing that I like about cruising is because we're doing a Caribbean cruise and because you come in and out of a US Port, you are waived from a lot of those testing requirements that if you were just flying directly into a Caribbean Island. So there is some benefit to that. Just know that some of the Caribbean Islands also are editing what they're requiring. And I know that, for example, I believe it's the Bahamas and maybe even Aruba, if you're vaccinated, you no longer have to submit a PCR test. [00:05:41.530] - Kim Tate You can take a rapid test. Of course, it has to be a proven rapid test. You can't just take one of the Amazon ones and take a picture of it. It has to be like the EMED ones that you're talking about. But I think for some travelers, those are way easier than, like you said, making appointments and going in through a drive through or some kind of testing site. And then that stress over. Will I get the results in time, especially if for us out here, the Sundays really throw us off because they don't run the results on Sundays and do the testing. So if you need it, you kind of have to either wait for Monday or you have to go Saturday and hope that process works. So I just know that for us, it's kind of a big thing to keep an eye on. And I do think, like you that things are relaxing, and I think everybody's ready to get back to travel. So I feel like a lot of us traveled over the past year anyways, but it's becoming more accessible for people who maybe don't want the cost or the stress of testing. [00:06:35.070] - Tamara Gruber Yeah. I mean, I've talked to a couple of people recently. They were like, oh, I just paid $100 for a test, and then they dropped it the next day. The cost for a family to have to deal with that kind of testing is considerable. It's huge. [00:06:51.000] - Kim Tate Well, our in laws won't come visit us from Canada because they're a family of five and they didn't come last summer because even after the border opened, they can't pay for five test times $150 or whatever. It just was cost prohibitive. [00:07:06.880] - Tamara Gruber So, yeah, I like to be an optimist, and it's been hard for a couple of years. And I know things can change and all of that, but it is just nice to see positive news, positive things happening. And I'm excited. I'm excited for where all of our travels are going to take us this year. [00:07:26.130] - Kim Tate I definitely think that it's exciting and I think that it's people I mean, governments are seeing that the travel restrictions and the testing isn't necessarily catching it. It's still spreading like wildfire all throughout the country. I think that's a bigger thing. Like, I'm fully into watching things, but the fact that obviously Omicron moved through multiple countries, it really shows that we kind of all just need to get back to living and do our responsible parts. [00:07:54.940] - Tamara Gruber Yeah. Well, speaking of getting back to living, I think everyone has been thinking of the trips that they want to take. And so we've been trying to have some episodes that addressed some of that, like some of that inspirational dream travel and today we're going to talk to really a credit card expert, and she's going to help us figure out ways to earn our way to those dream trips using credit cards. So I'm very excited to kind of find some new strategies after talking to her today. [00:08:26.090] - Kim Tate Yeah, definitely. Jennifer is a true expert. So let's get talking to her. [00:08:38.270] - Tamara Gruber We are here this week with Jennifer Yellin. She's a travel and credit card expert, founder of travel site Deals We Like, and a freelance writer for The Points Guy and CNN Underscored. So, Jennifer, I feel a little bit odd to have such an expert here today, but welcome. [00:08:52.970] - Jennifer Yellin Thank you so much. Thanks for having me. [00:08:55.340] - Tamara Gruber Well, we get a lot of questions about credit cards and strategies. And there are always some of our favorite episodes, and people always have different advice. So it's really nice to talk to, like, people with different viewpoints and experience. But before we get into really talking about what credit cards families should be using to earn points, I was hoping you could inspire us a little bit with some of the trips or flights that you've been able to book using miles and points. Sure. [00:09:21.790] - Jennifer Yellin Absolutely. So this past two years, like many of you, probably has been a little bit of a pause in staying at home. But just more recently, my family was actually able to take our first trip since the Pandemic started to Aruba, and we were able to book that fully on points, utilize our JetBlue points. And with JetBlue, it's really cool that if the flight goes down in price, you can cancel now with your points and rebook it. So I was able to do that a few times and really get that price down really low. Booking with points, even during the Christmas time period, it was pretty awesome. And then we stayed at the Hyatt Regency there right on Palm Beach and used points as well. And my husband actually has global status, which is their top tier status. So we are able to apply a suite upgrade. And we're confirmed into a two bedroom suite. And my kids had their own bunkbed room, which I thought was so cool. [00:10:11.020] - Kim Tate That's amazing. That's definitely like a dream. Good job on that, because I know those suite rewards are kind of difficulties sometimes. I hear they are. [00:10:19.280] - Jennifer Yellin I mean, it wasn't available right away. I had a check online daily, maybe hourly leading up to it. And probably about two weeks before our trip. [00:10:26.930] - Kim Tate It opened up nice. [00:10:28.700] - Jennifer Yellin That was good. [00:10:29.960] - Kim Tate That definitely sounds good. I know Tamara was in Aruba, too, but I think those are the dream trips that everybody thinks about when they can do points on Airlines and hotels. So Unfortunately, I get overwhelmed at that aspect of, like, how to redeem. And so I have a whole bunch of points, but they're all just sitting in my account doing nothing for me. So I had a friend who's in the point space once say to me, what do you hate free money? Because you're not using your points. So I know that that's a good thing when you can use them. [00:10:57.520] - Jennifer Yellin Yeah. Family travel, specifically points kind of early because we always are booking during the popular Christmas break, spring break time frame. And that's when everyone books early. So right now I have a bunch of trips planned for December break. Clearly, I'm not taking them all, but booking them right when the war calendar opens up has allowed like a word availability to be booked and it's easier to come by. [00:11:22.660] - Tamara Gruber That's a good tip. [00:11:23.840] - Jennifer Yellin Yeah. As long as I can cancel them, I'm good. I probably have like four different trips. [00:11:28.850] - Kim Tate Yeah. It becomes you have to have a spreadsheet to manage it sometimes. [00:11:33.110] - Kim Tate Well, what do you think is some of the so let's start off by talking about what you think some of the criteria is for people to look for when they're choosing a credit card to start earning points because there are a lot of options and I know kind of what I'm thinking and what other people have said. So in your opinion, what should people look at? [00:11:50.580] - Jennifer Yellin I think it kind of depends. There's two types of credit cards out there in the points space. Forget about cash back, but there's those that allow you to easily redeem your points. Like capital One is the first one that comes to mind. You book your flight and you can kind of use your points to wipe away the charge. [00:12:10.730] - Kim Tate Like the eraser or something. [00:12:12.510] - Jennifer Yellin Exactly. Like at a very easy rate. You don't have to worry about award availability. Like you were saying that you don't want to deal with if the flight is available. The hotel is available on points. As long as you can book it with cash, you can use your points. Then there's one like the Chase Ultimate Rewards, which kind of has a few different programs, actually. But those are where you can redeem your points to various hotel and airline programs by transferring your points. But that takes kind of some motivation, I guess it takes some effort and work and you need to kind of learn the programs, but then you could actually get something of better value. So it kind of depends on what your personality is. [00:12:53.540] - Kim Tate Right. And then, of course, there's also, like specific airline credit cards, like Delta or I have an Alaska card just because it gives me some perks. But it's funny because on Alaska I still book with my Amex because Alaska pays three times, but Amex pays five times. So it's kind of funny how you have to think about that stuff. [00:13:10.330] - Jennifer Yellin Absolutely. Other things I look for is I try to keep my annual fees low because I have a decent amount of credit cards. But are there perks that come with a credit card, like a free night certificate? So like Hyatt offers a free night certificate. It's capped at a category four, but I always find that that helps pay for the annual fee and actually allows me to come out ahead. So are there any of those other bonuses or perks that you'll utilize? [00:13:35.210] - Tamara Gruber I used to have a Marriott card, and I felt like sometimes I ended up not always using that voucher for the free night because then you would look at it and when I wanted to book, it was only like $100, $150. And you're like, oh, I'm going to save it for something else. And then it never ended up happening with all these things you definitely have to stay on top of make sure you're using the perks and the bonuses that you get. Right. [00:13:58.270] - Jennifer Yellin Definitely. Because if not, you could be spending a good amount on just fees where you're really not worth it. [00:14:04.160] - Tamara Gruber I mean, I totally admit that we've had the Capital One venture card for years and years, and the Holy Racer thing is just super simple. [00:14:12.670] - Kim Tate Yeah. That's what Paul likes. He loves that one. Just for the ease of it. [00:14:16.910] - Jennifer Yellin Yeah. And we've also been using a higher credit card. And even though we're not getting the best value every time you make a purchase, it helps us earn global status, which, as I've mentioned before, is like their top tier status. So by earning that status, because every time you spend, I think $5,000 on the card, you get two nights towards status. So that, combined with staying at hotels, allows us to use that and then kind of get these awesome perks. So you kind of got to look at the pros and cons of every car and see what works best for you. Whenever anyone asks me, my simple answer sometimes is it depends. [00:14:51.780] - Tamara Gruber Yeah. We talked to who is Ed Pizza, right. A few months ago, Kim, and he was really recommending Hyatt as a great program for families. So I'm glad that you brought that one up and like ways to kind of maximize that because their point redemption is certainly much more generous than, as I mentioned, the Marriott card. [00:15:11.380] - Jennifer Yellin Yeah. Ed and I are big Hyatt people for sure. [00:15:15.100] - Tamara Gruber Well, it sounds like you gave a couple of good starter cards for someone that's interested in travel but maybe doesn't have any particular destination in mind, or they just want to be able to use it, like travel generally. I know some people are like, really into Southwest, do everything Southwest. We had somebody on that talked about that in the past. But are there any other kind of starter cards that you would recommend for someone that doesn't want to be loyal to a particular brand or a particular airline? [00:15:43.570] - Jennifer Yellin Sure. Yes. If you don't want to be loyal and you kind of want to be agnostic and have to diversify your portfolio, I guess the Chase Sapphire Preferred is a great card. I wouldn't say the sign up bonus is as high as it has been over the past year. So if you're not in a rush, you might want to hold off. But that is a good program where it's simple. They have really good transfer partners such as Hyatt, United, JetBlue, and then once you get more into it, you can explore some of the international airline partners as well. But it's simple. Everything transfers as one to one, and you can kind of figure out what your needs are and then transfer to the program. Or you can book through their travel portal. I think it's run by Expedia. It's the exact same process as booking as any other Expedia hotel you would or Air flight. And you can utilize your points that way, too. It's at a fixed value, so they offer a good amount of opportunities. [00:16:37.550] - Tamara Gruber And are they one that has a really broad portfolio of Airlines? I remember I used to do that a lot with Amex, and then they had gotten rid of a lot of their partners and we kind of dropped Amex for a while. Some still have limited partnerships with the one to one transfers. [00:16:55.310] - Jennifer Yellin Yeah, I think they have a broad number of transfer partners. It's on the airline front, off the top of my head. United JetBlue, British Airways, which a lot of people will book domestically. You can book their British Airways points using on American Airlines, so they're a partner. So it's really easy to travel domestically even with an international airline. And then there are some other international carriers, too, in Southwest actually is one of them as well. So I think they have a good amount. There are definitely ones that are better than others just because of not all points are pretty equal. So if you transfer one to one to Hyatt versus one to one to Marriott, Hyatt points are 20,000 Hyatt points is probably equivalent to 60,000 Marriott points. So it's slightly different when you're transferring in a one to one rate. You want to get the best value. I'd say. [00:17:45.920] - Kim Tate Yeah. I think that it's good to mention that you do have to be mindful of the transfer partners because that is where you can get into. There's a whole it's kind of like couponing, right? Where the people who are like those extreme couponers, they knew everything and they could stack stuff. And I think that people who really get into this are good at stacking stuff because it's like, oh, I know for a fact that British Airways has really high taxes. So maybe you want to fly Air Lingus into Ireland and then get to there's little things like that that you learn over time. But it is nice to have the multiple transfer partners knowing that you can kind of optimize the way the credit cards work for you. Do you have any tips? Because I know this is a big thing in the point space about deciding if you do decide to have multiple cards, how do you decide what expenses to put on each card? [00:18:29.730] - Jennifer Yellin So I have many cards, probably too many, but I kind of look at category bonuses. So some credit cards will give increased payout for gas, some will for restaurants, some for travel, supermarkets, your common purchases. And so I kind of lay it out and I actually have what's it called tape with Sharpie written on which one to use for various types of purchases. And that has helped, but that can definitely get overwhelming. I'd say if you don't want to be overwhelmed, you're probably better off with a credit card like the Capital Adventure that just offers you two points for every dollar you spent. It doesn't matter what you're purchasing. If you're buying a toy for your child, purchasing travel, going to grocery store, anything, it's the same return. So it really depends on maybe your personality and how much you want to spend on this. But if you're willing to put in the effort, you can definitely maximize every single purchase you make. But it will require a few different credit cards. [00:19:35.410] - Tamara Gruber I like that tip, though, of like putting a little note on them in some way because I have a terrible memory when it comes to numbers. And so I could see myself having a spreadsheet somewhere that says use this one for gas and this one for that. But until it becomes like routine and a habit, I would be like which 01:00 a.m. I supposed to use again. So like a little tip, right? [00:19:56.480] - Kim Tate So many people in the point space on the groups, a new quarter comes around and they change out and they have those label makers like the Dymo label makers, and they put them on their cards, which card to use? And they do it for their spouses too. That maybe aren't into it as much because sure enough, I think of that. I'm like, which one do I want to use for dining? What do I want to pay here? [00:20:24.450] - Tamara Gruber I'm thinking like when you use Apple Pay or you do online and your card saved, you can name them. Usually just name it like Amex or Visa. You could name it like grocery store, dining, gas. [00:20:36.650] - Kim Tate All the gas probably isn't needed online. [00:20:39.090] - Tamara Gruber So that kind of covers some of the general travel. I know some people have some dream trips in mind. Like say, okay, I want to go to the Maldives or I want to go to Tokyo. Like what is a good strategy to get me to a particular destination? Is that better to then look at a specific card for the airline? That might be best for that? What would your approach to that kind of scenario be? [00:21:05.080] - Kim Tate Absolutely. [00:21:05.600] - Jennifer Yellin Whenever I give anyone advice, I always actually find it's easier for me to help them when they have a specific trip in mind, because then you can have a strategy for that particular destination. So I know it was a few years back, but a friend of mine wanted to go on our honeymoon to the Maldives. Like you had mentioned, it's definitely a quite extensive adventure. So this is a prime opportunity to use your points and miles. And I said, well, the Hyatt actually has a great property there get the highest credit card. I can't remember what the actual bonus was at the time, but right off the bat, it was either two or three nights free at the Maldives. This was many years ago when before the point rates went up a little bit. But that was probably a $3,000 in savings. So I think if you know exactly where you want to stay, let's say it's the Hyatt, then look to see what the Hyatt credit card is offering at the time. Look to see what maybe the Chase Sapphire Preferred is offering at the time, since you can transfer the Hyatt and see which one is going to give you a better welcome offer for that particular destination in mind. [00:22:07.650] - Kim Tate Yeah, I know we were planning a trip to Tokyo, and Japan Airlines is a partner with Alaska, and Alaska is my airline of choice here in Seattle. And so that was easy for me because I was kind of banking those miles and I got the Alaska card because my status gives me free bags, but I was able to get free bags for my kids as well. And all that. And those points really helped in the way get us our Tokyo flights that we didn't get to use, but still there. [00:22:32.320] - Tamara Gruber You got them? [00:22:33.530] - Kim Tate Yeah. [00:22:33.910] - Jennifer Yellin I did something similar last year about probably eleven months ago. I knew I wanted to go to Hawaii over this past December break. We didn't go, therefore, we went to Aruba. But I purposely just got the Alaska credit card purely for them, based in Boston. Boston. I don't think I've actually ever flown Alaskan Airlines in my life, actually. But there was a points available I saw. So I immediately applied for the credit card and both my name and my husband's name. And actually I applied for the personal credit card and the business credit card in both of us. And I knew that immediately would give us both a one way flight there. And I already had American Airlines booked on the way home with points. So I applied for that card for that one specific destination. I now have all these Alaska airline miles, and I know that I'll just use them at another point of time to hopefully go to Hawaii again. [00:23:21.250] - Kim Tate Yeah. [00:23:22.350] - Jennifer Yellin So I did that myself, too. [00:23:24.870] - Kim Tate So let's talk about we talked about booking flights and using points because this is something that I've struggled with a lot. When you are for a family, when you are wanting to use points, do you think it's easier to just always search for four tickets? Say you're a family four. Tamara is a family, three, whatever you are, your whole family search for tickets with those points? Or do you think it's better to be willing to pay for some and get tickets for some? Because I know that I've struggled with that, especially because as a status person, I almost want to buy my ticket, which is what I did for our spring break. I bought my ticket and I use points on my family's three tickets because now I'll earn miles on that trip and they don't care about anything else. So do you have any tips about that for using points with a family? [00:24:10.340] - Jennifer Yellin Yeah, we actually do the same. We fly JetBlue a lot now. And my husband had status and actually they extended his status. So he still has his status, which actually isn't worth as much anymore. But we'll pay for his ticket and then use the points to purchase tickets for myself and my two kids. And then Jeff, who allows you if you call them and the tickets are booked within a few minutes of one another, they'll kind of link them kind of for you. So that's a strategy we use with JetBlue and Southwest. There's no capacity control. So as long as there's a paid ticket available, you can go ahead and use your points. It doesn't matter, unlike some other Airlines. But with other Airlines, sometimes I do recommend just looking at one ticket at a time, because if there's one or two tickets, you could do that. The only problem is when you're booking with multiple itineraries. And sometimes if there's schedule changes, the Airlines aren't as helpful, I guess is the right term to keep families together, necessarily if they are booked on separate itineraries. So that's just one thing to keep in mind if you're booking under multiple reservations. [00:25:15.090] - Tamara Gruber Yeah, we've actually had that happen to us a number of times. We used to travel on points much more often and we were separated. And it's one of those things that especially when you book far out in advance, they tend to reshuffle flights fairly often and equipment, and so you can easily get moved around. And it's something I'm sensitive to because I have a child who is now older, but when she was younger was also a nervous liar. So there's, like, no way I would have wanted her separated from me. I think it's a good tip to say call, tell them to link the PNR numbers on the itinerary, but it's definitely not foolproof. So if it's something that you're concerned about, definitely something to keep in mind. [00:25:59.070] - Jennifer Yellin Right. And my thought is if I'm willing to pay for two or three of the passengers and I'm probably willing to pay for all of them and then use the points at another time, I personally like to book with everything either paid or points just to keep everything clean. [00:26:15.750] - Kim Tate And I know that when you do talk about just for people who are maybe a little more intermediate or advanced well, if they're advanced they already know this. But I know that a lot of people use Expert Flyer, which is a website. You can actually pay a yearly membership fee. I think it's like $49 a year. $99 a year. I don't remember what it is. And they somehow have some magic API that looks for special award availability that's coded a certain way. And so if you are trying to play a game, I know some people set up like alerts so that if they're watching a specific flight or a specific destination, they can kind of if an award ticket becomes available, they can hurry and log in and book it. [00:26:57.950] - Jennifer Yellin Yeah, absolutely. That is one good technique. And another thing I've kind of found helpful at times is using an award booking service. I know that seems silly from someone who kind of knows as well, but specifically with international Airlines, it can be beyond overwhelming. And they have all the tools and they have the same API's. And I don't know what they do in the background, but sometimes they're able to find ways that you didn't think of to go ahead and book an award internationally using partner programs. And it can actually save you points. So if you have points on one Airlines, but then also points in a flexible program like the Chase Sapphire Preferred Card, which awards you ultimate reward points, you actually could potentially transfer your points to a program and then book your itinerary for less points than booking with another program. So there's so many different things to know, I guess, when it comes to that. But there are services out there. [00:27:53.490] - Kim Tate Yeah. Do you have any? Because I know a friend that I kind of met once that's in the space. And at one point when we were looking at Japan and I was trying to decide if I was going to do it myself and he charged like 150 or something to do it for you. But do you know what those typically charge or what? Is there a top one or two that you know by name that you could mention? Sure. [00:28:15.120] - Jennifer Yellin Yeah. That price point sounds about right. But then there are other services that have kind of come out over the past few years. So one is Point me, it used to be called Juicy Miles, and instead of them actually booking it for you, you can kind of like Expert Flyer in a sense, somewhat. You put in your itinerary and it kind of lists out all these different options for you. So it's all system process. There's no one physically doing it for you. And that's a much less expensive option. I think that you can charge a monthly fee or maybe just you can do it a one time or even a seven day trial period. I think so. Those are some good options, too, because it's less expensive. But it will give you all these international Airlines that you do in point programs that you probably didn't even know existed. And how to book. The only problem is some of them are a little bit more challenging to actually transfer to and book. But by quick Google searching, there's, like everything out there that you can figure out on how to transfer points and everything. It's time consuming. [00:29:16.410] - Jennifer Yellin It's really time consuming. And sometimes, I don't know, it might be easier. [00:29:19.740] - Kim Tate That's what I'm saying at this point. I would pay someone $250 to do it for me because I do know how time consuming. [00:29:26.970] - Jennifer Yellin Yeah. And usually you don't pay unless it works. Right. [00:29:30.550] - Kim Tate Unless they get it for you. [00:29:31.880] - Jennifer Yellin Right. If you're not happy with it, no harm. [00:29:34.500] - Kim Tate Yeah, that's good tip. And I think also just a heads up for some people realize that a lot of these, like, I know Amex and Ultimate Rewards, a lot of their transfer partners take 24 to 72 hours for the points to kick into your account, which can be a big issue, especially if you're like, oh, this airfare just became available. Now I have to transfer the points, but then you're waiting there two, three days. I'm hoping that they hit your account so you can buy that award ticket. It's very stressful. I actually did that for Alaska to get our Japan tickets. I needed like 50,000 more and I had to transfer some. And I was like, oh, my gosh, please get in my account before these disappear. [00:30:09.750] - Tamara Gruber That's a really good point. [00:30:11.620] - Jennifer Yellin Yeah. If you like Google also, I don't know why has it, but if you Google, like, time to transfer points from one program to another, there's so many experts out there, points people that have kind of taken all the data and put it all together. So some of them are instant. Some of them could even take seven days. But you could probably get a good inkling based on what these other people have put together. [00:30:35.190] - Tamara Gruber Yeah. Well, it's one of these spaces where there are so many experts, but trying to sort through it all on your own is definitely confusing. That idea of being able to hire someone to help you. And thinking about that, I'm such an advanced planner, you kind of want to be like, oh, well, I'm probably going to use this. I'll just switch the points over now, but then you can't switch them back. [00:30:58.030] - Jennifer Yellin That is a good tip. Once you transfer points out of, like, Capital One or City or American Express Chase, I think those are the three main ones. They're in that program of choice. They are not going back in. So once flexible, points are no longer flexible. [00:31:12.770] - Tamara Gruber Yeah. One way. [00:31:14.020] - Jennifer Yellin Yes. [00:31:15.690] - Tamara Gruber Well, we talked a little bit about some ways that you can maximize kind of your earning potential through these. But maybe we can just touch on that a little bit more deeply because I feel like it gets challenging for families that don't have someone that's like a real road warrior that's traveling a lot to kind of build up points simply from travel. So obviously you need to find other ways to earn those points. So maybe you can just touch on a few of those strategies. [00:31:41.670] - Jennifer Yellin Absolutely. So one major way is to sign up for every single shopping portal. Ebates is one that's always advertised and that will give you cash back, although you can now have those points go into American Express. But similar to ebay, you can sign up and receive points to American Airlines or United Alaska. All the Airlines have their own shopping portal. So all you have to do is Google Alaska Airlines shopping portal and it'll bring you up. And a lot of them even have those widgets on your computer where every time you go to a site, if you were to Gap.com, it'll pop up and say kind of give you a reminder, remember to shop through the Alaska Port. I don't know if that. [00:32:22.620] - Kim Tate Yeah, the extensions. Like the Chrome extensions. Yeah, exactly. And I think Ebates, just so everyone knows it's called Racketon. Now, if you're confused about that. No, it's okay. You're good. I still think of them as ebay. So I wanted everyone to yes. [00:32:35.800] - Jennifer Yellin Ebay was definitely a softer name. So every time you make a purchase online, there's no reason not to earn points unless it's more of a boutique store. But with your mainstream stores, even if you're only earning one point per dollar spent that's one point more than you would have earned otherwise. And sometimes if you sign up for their emails, if you spend $200, earn $1,000 bonus. They have these types of bonuses all the time, especially around the holidays, Black Friday, even randomly, the long holiday weekends, like Memorial Day, Labor Day, big shopping weekends, and just sometimes out of the blue. So there's ways to really accrue a lot of miles from home. [00:33:17.530] - Kim Tate Absolutely. [00:33:18.420] - Jennifer Yellin Yeah. [00:33:18.790] - Kim Tate That's one of my favorite tips. I do that a lot and I really like it. And there's these websites now, the one I use the most is like Cashback Holic. And they'll compare. So if you're going to you're like, okay, I'm about ready to buy. I'm going to book this Marriott stay. You can type in Marriott and it'll show you like who, because I belong to Racketon and Top Cashback and I can compare those two. I try not to get into too many of them, so I mainly use those two. But I'm like, oh, Top Cashback is 6%. Racketon is only four. I'm going to go to Top Cashback so you can get really nerdy and kind of compare them also. [00:33:49.190] - Jennifer Yellin Oh, totally. Absolutely. And EV Rewards is another one that will also compare for you is great. [00:33:57.090] - Tamara Gruber I totally admit that. I completely suck at this. I don't use any of these. And every time you read about it, you're like, oh yeah, I should do that. And I just get excited if I actually learn how to use one of the bonuses on my credit card, like get $50, $50. [00:34:16.510] - Jennifer Yellin Yeah. And another thing you want to do, I mean, this is separate from the shopping portal is I remember I think it was the last time I received an email from Barclaycard. And they are the bank with JetBlue. And it was like ridiculous offer spent $2,000 on your card over three months and earn I think it was 40,000 points. It was a targeted offer. I got it. My husband didn't. I was like, all right, moving all my spent to my JetBlue card for the next few months. Right. And they're just paying attention just helps you earn these increased offers. So there's definitely ways from home without flying to earn points and miles. [00:34:55.990] - Kim Tate I've definitely been getting better about when I'm about ready to either go on a trip or go shopping with my girls or something along those lines. I log into my Chase and my Amex accounts online and I look because they have an offer section because you have to add them to your card. [00:35:09.740] - Jennifer Yellin Yes. [00:35:10.010] - Kim Tate And I don't think people always realize that. So if it's like, oh, Levi's is having a deal, I add it to my card because maybe they're going to want Levi's jeans while we're on back to school shopping or, oh, guess what? Hilton is doing this special. If you spend if you stay two nights, you get whatever the case may be. And I don't think people do that enough. But it's a good way to really I think if you want to get serious about it, you should log in often to the offers page because they reset every month. [00:35:34.850] Yeah. [00:35:35.740] - Jennifer Yellin Every day you're going to laugh. But American Express offers used to update every day at three in the morning. And I'm not joking. And so when my kids were small and I was up in the middle of the night non stop, I was like, so excited. And that was part of my daily routine. Some people have their morning coffee. I would look at my American Express offers. I'm not even kidding. That's awesome. Daily. But I will say it used to be you could add them to every single American Express credit card you have. I can't remember when, but a few years ago, it's now just one per account. So it's not as generous as it used to be. But I used to check them every single morning. And I'd saved thousands of dollars this way because it's not earning points. Well, actually, there are offers that you can earn points, but some of them are cashback. So now there's either cash back or increase point offers. So it depends on the offer and the type of card you have, because some cards might have it somewhere, but they're really great way to earn points or offset your purchases. [00:36:33.850] - Kim Tate And like you said, so many are targeted. Like Tamara got this offer for a Marriott offer at one point on her Amex and mine. I didn't have it and I'm convinced it's because I had the Amex Marriott card. [00:36:42.870] - Tamara Gruber I don't know. [00:36:44.830] - Jennifer Yellin You'll never know. And sometimes you can even I remember I can't remember the exact offer, but it was like grocery stores and I spend $500 getting $100 offer, something like that. And I wasn't going to make $500 purchase in once because sometimes it's on a single purchase. So I just bought a $500 gift card there and then just use the gift card over the course of my shopping fees. So there are ways to kind of I don't know if scheme the system is the right term, but play the game. [00:37:13.460] - Tamara Gruber Yeah. I mean, I do what you do, Kim, is when I'm shopping online, I'm like, wait, that might have an offer. Let me look. But the other thing with the gift cards is just simply like gifts, right. We give gifts and I buy gift cards for people all the time. And it's just like if it's something that you're spending anyway, just find a way to use to earn points on it, right? [00:37:34.430] - Jennifer Yellin Absolutely. Or be the one to pay the bill at the restaurant and have everyone to Mo you buy the class gifts or anything like that. Like everyone wonders why I'm always a class mom. It's to accrue all the money and then I can put all the purchases on her credit card. [00:37:49.320] - Tamara Gruber Love it. [00:37:49.910] - Jennifer Yellin Little things like that. [00:37:51.290] - Kim Tate Well, I know another big way to maximize points is with sign up bonuses. So could you give any final tips for people that are thinking of getting a new card, anything they should know about sign up bonuses or things to watch for, and then wrap it up with any final tips that you think people need to know about credit card points? [00:38:07.580] - Jennifer Yellin Absolutely. So one thing you want to make sure of is when you sign up for a credit card, make sure it doesn't have to be the best offer because you might be waiting around for a year for the best offer. But make sure it's a really good offer. I know we were speaking before and you said you apply for an offer that was like half of what it typically is. So when you see an offer, make sure it's a good value and it's going to provide you with enough points that you'll be happy with that. Even if a better offer comes along in a month or two. Pay attention to best offer. Some banks, actually, if you apply within a few weeks or maybe even a month, if you call them up and say this better offer just came out, will you match it? They may or may not match it for you, but it's always worth a try. You never know. Some banks have kind of different fools and they change every so often also. But if you're looking for a credit card right now and specifically for family travel. The Southwest Credit Card actually has one of the best offers where you'll earn the Southwest Companion Pass. [00:39:05.500] - Jennifer Yellin I don't know if you guys have discussed the Southwest Companion Pass much on the podcast, but it's definitely one of my favorite travel features. And it allows someone to fly with you for free in a limited number of times. I've been a passholder for the past 13 or 14 years at this point. And it's like the most amazing thing ever. So that's one of my favorite offers right now. If you live in a Southwest hub, if you don't live near Southwest, then it's not worth it. [00:39:33.520] - Kim Tate And I'll chime in and just say that we did cover quite extensively about that Southwest offer and stuff with Lynne and that's episode 181. If anybody wants to go back and listen to that awesome. [00:39:43.960] - Jennifer Yellin Yes, she's an expert and everything's Southwest as well. So that's one thing right now, credit card offers are changing all the time. I think Marriott just came out with something last week, United as well. So it's like hard to even keep track. But sometimes even just like Googling best credit card offers from the experts. You'll get pages, but make sure it's really the best and not just them pushing you on the best when it might not be. [00:40:11.950] - Kim Tate Yeah, I definitely think that I've done that where especially if I have a big purchase, like, oh, I'm buying a new camera or we're about ready to take a big trip and I'm going to be putting a lot of charges. I kind of go and I say, okay, best credit card offers for March 2022 or whatever. And of course, it's the points guy, nerd wallet, upgraded points. [00:40:31.310] - Tamara Gruber Like all those guys. [00:40:32.280] - Kim Tate And so it's kind of good to just read through those and kind of see which ones are popping up. And they definitely, you'll know, because it's not just an offer. Like they'll write a whole article about this amazing offer is one of the best we've seen lately, that sort of stuff. [00:40:45.640] - Jennifer Yellin Right? Absolutely. And also just another tip is make sure you can meet the minimum spend requirements. Some of the credit cards are 1000 $2,000 in three months, six months. But the Capital One Venture X card right now, for example, is like, I think it's $10,000. So that might not be obtainable for most families. [00:41:04.130] - Kim Tate Exactly. [00:41:04.910] - Jennifer Yellin So it just makes it something you can do. [00:41:07.420] - Kim Tate Those business cards can sometimes have really high spends. Because I've looked at doing a business card, sometimes I'm just like, there's just no way I can spend that right now. [00:41:15.240] - Jennifer Yellin Right. [00:41:16.170] - Kim Tate Although I know that's a whole other expert level of people who do credit or gift card buy and resell to do that. So that's a whole other level. [00:41:24.990] - Jennifer Yellin Yes, it is. If you're interested in that, go to Greg at the Frequent Mile or he is crazy when it comes to this. But awesome attitude. [00:41:32.530] - Tamara Gruber One of the things that I'm thinking about. As I'm listening to you guys, I'm thinking about what I have an upcoming trip where I'm going to be spending a lot of money and some of that's already on one of my credit cards. But maybe I should look into what bonuses are up right now. But it makes me think about when you want to churn your cards. And we obviously talked about signing up, you and your husband for a card and signing up for this card in that card. And it's like, at what point are too many cards? Like too many? Like, how long do you keep it before you get rid of it? Are there considerations to think about in terms of your credit or just eligibility for future cards? That just to make people aware of? [00:42:10.930] Sure. [00:42:11.520] - Jennifer Yellin So as long as you're responsible with your credit cards, for the most part, credit cards are not going to hurt your credit. I mean, you'll see people who have 50 credit cards and they still have these awesome 800 credit scores. If you're applying for a mortgage to get a house in a few weeks, don't apply for a credit card right now. Right. So there's definitely or even any loan I wouldn't recommend applying for a credit card. Wait. And then go and get it. In regards to when you should cancel, if you're not getting value out of your credit card, cancel it's not going to hurt you or downgrade to a no annual fee. For example, if you have the Chase Sapphire preferred card and you find that the $95 annual fee is not worth it anymore, first of all, call and see if they'll do something for you. A lot of times they might say, okay, if you spend $1,000, we'll give you a $95 credit. You just never hurt. I know. Last year I think I ended up getting about $500 back from American Express amongst a lot of my credit cards. I know COVID played a hand in that. [00:43:16.470] - Jennifer Yellin But always call and see. And if not, then see if there's a car that you can downgrade it to, and then there won't be a Ding on your credit report. I mean, it also depends on what your current credit score is. And sometimes you might get a Ding, but it will go back up in a few months. So there's a few factors depending on. [00:43:34.050] - Kim Tate Yeah, it's like ten point Ding, and it does pop right back up because we've had that opening up a credit card kind of opens up. [00:43:40.310] - Jennifer Yellin Gives you more credit, which creditors like, too. [00:43:43.520] - Kim Tate So opening up credit cards is not a bad thing unless you're applying for a big mortgage. They don't like to see your capital, your accessibility too high, right? [00:43:53.510] - Jennifer Yellin Absolutely. And then Chase also has Chase and American Express have different rules in place. So I'm not sure if you've discussed Chase is 524. [00:44:01.800] - Kim Tate Yeah, we talked about that. [00:44:03.530] - Jennifer Yellin So you've applied for five or more cards. Usually they're personal cards, but sometimes they throw business cards into it, too. Chase will automatically not approve you for another credit card. I've seen some reports that that might be changing, actually. So we'll kind of see what happens over the next few months. But that's one thing to keep in mind. It's five or more cards in 24 months, I think I said. And then American Express also doesn't allow you to get the welcome offer for I believe it's like once in a lifetime, but once it falls off your credit report, they might not know. So might be like seven years. So those are things to kind of keep in mind. That's why you want to apply when the offer is the best, because if it's not and you're going to be losing out on points if a new offer comes around and then you're not able to get it and you're no longer a card holder. [00:44:48.390] - Tamara Gruber I have one more question for you, because now I'm just going to use you as my personal source for information if you want to get an additional card for someone in your family. So, for example, I have a 17 year old that we've been waiting till she turns 18 to get a credit card for her. And we've been debating like, do you get her own credit card or do we put her on one of ours? Do we get another one of the capital one cards? Any tips for if you're adding somebody in your family, maybe a first card? Is there any advantage, like kind of getting points from them versus kind of setting them up on their own? [00:45:24.660] Sure. [00:45:25.100] - Jennifer Yellin So just remember, if someone is an authorized user, you're responsible for all of their credit card habits. So if the credit card bill is not paid or if anything happens, it kind of can hit you. So just something to keep in mind with teenagers. But I actually personally don't know a lot about the high school age and what credit cards you can and cannot apply for for that age. I'm not there yet, fortunately. But setting someone up as an authorized user, I think some credit cards you can maybe do as early as 13, you can add them on. And that actually helps them as well build their own credit score. So it's always a great thing to get add on authorized users if they're not eligible to get their own credit card. And then when they are to get them, there are various student credit cards, and a lot of times those comes with $300 spend limits or very low thresholds that you might want for your child. But yeah, definitely getting them set up will only help their credit score, which can then ultimately help them in their 20s to apply for a credit card. [00:46:26.470] - Jennifer Yellin That will be useful. But there are a lot of student credit cards out there that do give you points and miles. [00:46:32.810] - Kim Tate They do come with a really high annual fee or not annual fee interest rate. Normally, that's the only bad thing. We actually added my husband and my daughter, both as authorized users with my Amex Platinum Tamara, because of the lounge access. So now, especially if they're changing it, we're going to get Mia. And that'll be my maxed on three, because with Amex Platinum, you get three authorized users for $175 total. So you pay the $175 and then they get all the lounge benefits as well. Are they changing the lounge that you can no longer guests unless you spend like $75,000 starting in January of 2023? I think you don't get anywhere. Is that right, Jennifer? I think that's right. [00:47:15.840] - Jennifer Yellin That I don't know. [00:47:17.100] - Kim Tate Okay. [00:47:17.820] - Jennifer Yellin Sorry. [00:47:18.780] - Kim Tate No, you're fine. [00:47:19.580] - Jennifer Yellin Yeah, but I will say that the expensive credit cards a lot of times you have to pay to add an authorized user, but no annual fee or low annual fee credit cards. Usually you can add a few authorized users for no fee. [00:47:33.380] - Kim Tate Great. Well, one of our questions that we ask all of our guests is what do you wear when you travel? So do you have any favorite brands that you want to tell us about when you travel? [00:47:41.020] - Jennifer Yellin Sure. I travel as comfortably as possibly. And I also wear my everyday clothes, which consists of black as leader pants, which is side pockets, like those leggings. And then you can put your cell phone or any cars. Side pockets are a necessity. Once I found them, like two years ago, I can never go back. And sneakers or flip flops, depending on the weather. Nothing fun and exciting. [00:48:05.480] - Tamara Gruber Well, you're brave wearing flip flops on the plane. [00:48:07.370] - Kim Tate My feet are always freezing. [00:48:09.230] - Jennifer Yellin Yeah, that is a good point. It depends on the length of it's. Just like an hour flight that's going to be different. But you're right. I used to travel for work every single week for many years. And I would always be traveling like those high heels and hated every second of it. I would get off the plane and go straight to the client site for the week. And now I just want to be comfortable. [00:48:28.770] - Kim Tate And everyone has those little packable ballet flats that you can just pop in and out. Yeah. [00:48:34.610] - Tamara Gruber I'm happy, though. So work travel days are behind me, too. And just like work dress in general has changed. [00:48:41.210] - Jennifer Yellin Oh, yeah. I got rid of all of my stuff, never going back. [00:48:44.640] - Kim Tate Good. [00:48:45.030] - Tamara Gruber Well, can you remind our listeners where they can find you online or learn more about points? [00:48:51.120] - Kim Tate Absolutely. [00:48:51.940] - Jennifer Yellin So you can find me at my blog Deals We Like. You can also find me on Twitter or Facebook. Everything is at Deals We Like. And then also I'm a freelance contributor at the Point Sky and CNN Underscore. So I have some great articles there as well. That where you can learn more about credit cards, family travel, anything in the points and miles world. [00:49:10.850] - Tamara Gruber Thank you so much for sharing all your knowledge with us. It's always really great when we can get an expert on and just kind of brainstorm some ideas. Hopefully people will have something new that they can try to get them a little bit closer to their next kind of dream trip. [00:49:25.130] - Kim Tate Thanks for having me. It was great chatting with you. [00:49:27.320] - Announcer Thanks. [00:49:27.630] - Tamara Gruber You too. [00:49:31.850] - Kim Tate Well, as always, thanks for joining us for another week here and I have a little request. Tamara, I was looking at our podcast page the other day and I noticed that we were almost at 100 reviews. We are really close so I'm going to do a little bag from all of our lovely listeners and ask you guys if you're willing if you love our show, if you would leave us a five star review on your favorite podcast app, the one I looked on was Apple podcast. But wherever you're at or listen to us, if you'd leave us a positive review, we'd love it. We love hearing from you guys and I'd love to see that switch to 100 reviews. [00:50:05.780] - Tamara Gruber That would be great. I know we've been at this for almost six years and actually by the time it comes out it will be six years and we're just really bad about asking for reviews. We definitely appreciate it. I know some podcasts every day it's like the first thing that you hear is like leave us a review but we would appreciate it. We'll give you shout outs online. We'll read them especially if they're nice, but even if they're not nice, we will read them mindful of it but otherwise stay tuned because next episode we're going to be talking about sustainable travel and I think that is also on a lot of people's minds as we're getting back out there and how to be responsible and thinking about things in a more sustainable way. So join us next time talk to you again soon. Bye.

You know how you always hear people talking about getting free stays at hotels or status perks? How do they do that? Find out! This week on the podcast we talk road warrior Ed Pizza from the Miles to Go podcast about the best hotel loyalty programs for families and ways to earn status and free hotel stays. About Our Sponsor: Room Steals Today's episode is sponsored by Room Steals.  Listeners may remember Room Steals from our discussion on finding hotel deals in Episode 185, but Room Steals is a Chrome browser extension that works alongside existing booking sites to show you what the wholesale price is for that room. Just install the browser extension and search for a hotel as you usually would on Hotels.com, Booking.com, Expedia, or Google. Once you've done your initial search, Room Steals will show you in a pop-up if that same room is available for less. If it is, you can click on that pop-up and book it directly through Room Steals. Downloading and using Room Steals is free; however, if you want to book a discounted room you have to pay an annual membership fee. Listeners can save 20% off the annual membership fee with promo code vacationmavens.  If you travel multiple times in a year, the subscription will quickly pay for itself. One listener already saved $400 using Room Steals on her first booking!  To learn more, visit roomsteals.com. That's roomsteals.com and use promo code vacationmavens to save 20% off your membership to Room Steals, and we thank them for their support. About Ed Pizza Ed Pizza is a road warrior and family traveler.  When we're not in the middle of a pandemic he travels 100,000 miles a year for work.  His family loves luxury travel, all things Disney and even bought an RV during the pandemic.  You can check out his podcast, Miles to Go, the same places you catch Vacation Mavens and you can find him writing about travel at pizzainmotion.com. Best Hotel Loyalty Programs for Families Hyatt offers the best loyalty program for families as it is easier to earn and use points (you need fewer points to redeem for a free night than other programs) and they offer great family-friendly perks like free breakfast, guaranteed late check out, and, if you have status with them, the concierge is good at guaranteeing connecting rooms or confirming suite upgrades in advance. The only challenge with Hyatt is that they don't have as large of a footprint as Hilton or Marriott, especially if you are traveling to smaller destinations. Hyatt does have a number of family-friendly brands including Hyatt Place on the lower end and Hyatt House for suites. A few terrific Hyatt properties in popular family travel destinations include: Hyatt Grand Cypress (outside of Disney), Ziva Resorts in Mexico, Costa Rica, and the Caribbean, the Hyatt Regency Sydney in Australia (which is more affordable than the Park Hyatt Sydney but still has amazing views), Grand Hyatt Bahia Mar in the Bahamas, and the Driscoll in Austin. Wyndham also is an excellent choice for families. In addition to the hotels, you can use points at many of their vacation rental or timeshare properties, which offer so much more room for families. Wyndham also has a partnership with Vacasa for vacation home rentals. Some great Wyndham properties include the Magic Villages in Orlando, ski lodges and log cabins in Montana, and great properties overseas. Wyndham now has a credit card through Barclay's that helps you earn points and they have bonus points on things like utility bills, which you don't find elsewhere. Hilton has some pros and cons for their loyalty programs. Hilton values treating folks well on award stays and they don't add resort fees, unlike some other programs that still charge fees on free stays. Hilton also gives away a lot of points for stays and through their credit card. The footprint isn't as big as Marriott but larger than Hyatt. Hilton Honors Gold members also receive little perks like free bottles of water at check in and free WiFi. However, Hilton recently rolled back their free breakfast offer for members (at least temporarily). Instead there will be a credit per day to use as you want (drinks from the bar, meals, etc), however it wouldn't typically cover everything that you would get at a free breakfast. Marriott has the largest footprint, but they do charge fees like resort fees and parking on award stays. IHG (which includes Holiday Inn, Intercontinental, Hotel Indigo, etc) doesn't offer as much as the other brands but can be good if you do a lot of road tripping and then redeeming points for stays overseas at classic, boutique hotels. Unless you are a road warrior traveling frequently on business, the best way to earn points is through a credit card. Instead of using the brand specific credit card, it is better to use a credit card with programs like Chase Ultimate Rewards or American Express Membership Rewards that you can transfer points to hotels to book award stays. Chase offers a bit more flexibility and value over Amex. When you transfer points, it is often 1:1 transfer so you will get more bang for your points if you transfer to a program like Hyatt where your points go further. If you are going to stay with a specific brand often, a hotel credit card can get you to the next status tier (and related perks) faster and you will often get one free hotel stay certificate per year. You need to make sure you are using the value of the cost of the annual fee. Generally it makes sense to pay for your hotel stays with that card but you will get more points per dollar for other types of stays from other types of cards.   Full Episode Transcript [00:00:00.000] - Kim Tate Which hotels deserve your loyalty? Stay tuned to find out. [00:00:15.290] - Announcer Welcome to Vacation Mavens, a family travel podcast with ideas for your next vacation and tips to get you out the door. Here are your hosts, Kim from Stuffed Suitcase and Tamara from We3Travel. [00:00:29.940] - Kim Tate Today's episode is brought to you by our sponsor, Room Steals. You guys may have already heard of it. Room Steals is a browser extension that you add to Chrome, so that when you're shopping for the next hotel for your vacation, you can see if you are really getting the best rate. You plug in your destination on one of the major booking engines, whether it's Expedia or Travelocity or booking.com or hotels.com, and a window will pop up, letting you know if they found a better deal for you. [00:00:55.810] - Kim Tate The program is free to use, so you can always see and shop and figure out if the there is a better deal out there. And if you do spot a better deal, you can book it through the Room Steals site where there is an annual membership fee. But our listeners get to save on their annual membership fee with the code vacationmavens, they can save 20%. [00:01:14.110] - Tamara Gruber So I was just researching some potential hotels in Dublin in Ireland because we're still trying to figure out where to take Hannah for her graduation trip. And that's one option. And I was going through some of these options because I really want it to be like, nice hotels, like special hotel in for this trip. But obviously I would always like to save some money. So I found one on Room Steals where I could save $142 and then another one where I could save $60. So it's like all these things could add up over the course of a big trip. [00:01:46.570] - Tamara Gruber So it's like even just that one hotel stay would be saving more than the cost of the membership. So I definitely encourage everyone to go check out Room Steals. Like Kim said, it is a browser extension that you can download add to Chrome. And then when you're searching for hotels, you're able to see whether or not there's a deal that you'd like to take advantage of. And just remember, check out Room steals. Com. You can sign up using Code vacationmavens all one word, all lowercase and save 20%, and we thank them for their support. [00:02:15.280] - Kim Tate So Tamara talking about hotels and getting deals through Room Steals. Today we are going to talk with a guest that we've had on before, and he's one of my favorite savvy travel guys. And that's Ed Pizza. [00:02:27.960] - Tamara Gruber Yeah. So he travels so so much every year, he knows all the hotels, all the programs, what the best deals are, what the best credit cards are, and he's going to share all of his knowledge. So I can't wait to jump into that interview. [00:02:40.540] - Kim Tate Let's chat with him. [00:02:49.470] - Tamara Gruber So today we're here with Ed Pizza. He's a road warrior, and family traveler. And when we're not in the middle of a pandemic, he travels 100,000 miles a year for work. His family loves luxury travel, all things Disney, and even bought an RV during the pandemic. You can check out his podcast Miles to go at the same places you can catch vacation, mavens. And you can also find him writing about traveling a pizza in motion dot com. So Ed, welcome back to the podcast. [00:03:15.640] - Ed Pizza Hey, thanks for having me back, guys. It's been a while and I'm excited to be back on talking stuff. [00:03:20.110] - Tamara Gruber I know you're back traveling a little bit for work, but how long did you go without being on an airplane? [00:03:25.780] - Ed Pizza So I was actually in New Zealand helping a friend on the Tarmac when the US announced that they were closing arrivals to Europeans. And that was me coming back into the country. So that was called like, March 14 ish. And I didn't get back on a plane. That was March 14, 2020. Sorry, I didn't get back on a plane until early June 2021, but I have been ramping things up, and I think it's interesting that if you guys hadn't reached doubt to have me come podcast, I was almost going to reach out to you guys because we're following this parallel track and that I spent a couple of weeks in Maine, I think right before you did, Sarah and I just finished coming back across the Canadian border on the east side, Kim to your west. [00:04:11.260] - Kim Tate Nice. [00:04:13.150] - Ed Pizza So a little bit of family travel, mostly road warrior stuff. [00:04:18.470] - Kim Tate Especially now that you have an RV that you were one of the many that jumped into that lifestyle. I've seen some of your things that's kind of funny how you're like, I'm embracing this for my family, but I am not embracing this. This is what I want to do with my life. [00:04:33.000] - Ed Pizza Yeah. I mean, as I've said jokingly a number of times if it happened to burn to the ground and I got an insurance settlement, it wouldn't be the worst thing in the world. But the kids and you guys know that your kids are older than mine. And so I think you probably have a better grasp of this than I do. You wake up at some point and you realize that they're going to College and you're like, Well, did I fill up the bucket enough? And our kids still love both of us. [00:04:59.150] - Ed Pizza My wife and I, and they like being with us. And they really love the camping thing. And so as much as I grumble and say bad words, sometimes when things break, which is pretty much every time we roll it anywhere, the memories that they're creating with us, I hope, will be things that when they get to College, it's, wow. That's in the bucket of things that I love doing as a kid. [00:05:21.850] - Tamara Gruber That's good. You speaking to my heart there. [00:05:24.870] - Kim Tate I was going to say Tamara and I are both right there because we both have girls going off to College. As you've probably heard, we're definitely in that wondering how we can keep scraping some more trips in there and then hoping that the College schedules will allow us to keep traveling and that our kids will keep traveling with us through those four years as well, at least for me. [00:05:47.390] - Ed Pizza And I know it's not what we're talking about today, but I think a really good point to make that I've obviously seen with the way that both of you guys travel with your family is that we all make memories in a variety of different ways. But we've all chosen travel as one of those primary ways to create those memories. And just like you, I'm hoping that the work that we put in for travel up until our daughter is a sophomore in high school. Now I'm hopeful that when she gets into College, it'll be, hey, I'd love to go take a Disney trip. [00:06:18.940] - Ed Pizza Hey, dad, mom, do you want to go or, hey, I love Lisbon. Or can we go visit Peggy's Cove in Canada? Whatever that there's a powerful enough connection to a place that they've been. They're like, I want to go and I want to go with mom and dad. [00:06:32.830] - Tamara Gruber I was just thinking mine is talking about the road trip that she wants to do with her friends post graduation, but I know she'll come back to our trips as well. [00:06:41.510] - Kim Tate Definitely. I think we're in that same boat, Tamara. So if you're listening to this and like, do you have a few more years? Definitely. Don't worry about I spent so many summers not planning and stuff because I hated crowds and also because we have such nice summers here in Seattle. But I now kind of regret not using that summertime more efficiently. Although we did take a lot of family trips and visited family and had family here. So I guess it was well used, but definitely maximize your time off with your kids. [00:07:13.940] - Tamara Gruber Well, speaking of traveling with kids and planning and thinking ahead and all of that, one of the ways that we've gotten to travel a little bit more or structure our budget a little bit more is using hotel loyalty programs and trying to maximize some free nights here and there. And I was thinking about which programs are really best for families. And I know a lot of programs have changed recently. And Ed, you came to mind because I know on your Miles to Go, you talk about this a lot, and I think I might know the answer. [00:07:47.180] - Tamara Gruber But when it comes to hotel loyalty programs, what one do you really like for families? So not business travelers, but really for families. [00:07:56.600] - Ed Pizza I'm going to give you my favorite. And then if we have time later, I'm going to give you my sleeper because I think there's someone coming up on the outside turn that maybe doesn't become my favorite, but it started to earn their keep above some of the other chains. But for me, it's it. And for many years it was starwood preferred guest before Marriott bought them because they understood that road warriors have husbands, wives, significant others, in a lot of cases, kids. And they want to take care of those other people because that makes that means the business traveler want to patronize them and high. [00:08:29.570] - Ed Pizza It just where they really get this right, and they get it right in a number of different ways. But I think primarily it's in reducing friction for family travel. So when we think about a family of three or four, we don't all live in one room at home. We certainly don't share one bathroom, especially with a teenage daughter. So being able to have space when we travel, it is huge. And it has benefits like being able to request and confirm a suite upgrade at the time of booking, which is unique amongst the major hotel chains. [00:09:00.780] - Ed Pizza And you say, well, if I know ahead of time where I can get that extra space for my family, that helps drive where we might choose to go on vacation. And there are a lot of other benefits to the world Hyatt program that I think make things easier for families, things like free breakfast, guaranteed late checkout, just things that make it easier for when family travel goes sideways, which the younger your kids are, the more frequently that happens. [00:09:23.820] - Tamara Gruber 100% agree. My husband was ambassador level with Marriott for a while, and he had these five suite upgrades of a year or something to use. And we were looking to book a suite in Amsterdam. I think it was and we like you we want the space. It's all about having a little extra space, not being crammed into those two double beds in particular. And we wanted to book this week, but we're like, do we actually pay for it, or do we take the risk that we can use one of these upgrades and not being able to confirm that, you know, you have that upgrade. [00:09:58.620] - Tamara Gruber It makes such a difference because you're making a totally different choice. And of course, we ended up just doing an Airbnb instead. [00:10:03.840] - Ed Pizza Yeah. And especially when you talk about families in Europe in that the restrictions on the number of people in a room are very different from the US. There are plenty of rooms in Europe where two is the Max Occupancy and a flu or three same in Asia. So that's a complication. And I think one of the things you mentioned, Marriott Ambassador, and I had a Marriott ambassador for a long time. In the beginning, they were great at communicating with the properties and they could advocate on your behalf. [00:10:31.470] - Ed Pizza But I'll be honest with you. For me, at least one of the biggest benefits that world of Hyatt provides for me. I have their equivalent. It's called my Hyatt concierge as part of their globalist status. It isn't even necessarily the suite upgrades. Those are great. And who doesn't love a big plus room with an awesome view and all that stuff? But for me, it can really be as simple as can you just guarantee me connecting rooms? My kids are younger, like we just want connecting rooms. [00:10:56.420] - Ed Pizza I don't need something fancy, and my Hyatt concierge would always contact the property early on my behalf, and they would work with the property to block rooms. And I can say, honest to God, I very rarely use the words always or never. In the ten or so years I've been top tier status with Hyatt, I've never shown up at a property that promised me connecting rooms ahead of time and not gotten them. And as a family traveler, that's huge. I need just a few times a year, but when I need it, I need it and they always say yes, we're going to take care of you. [00:11:29.720] - Tamara Gruber Yeah, Hyatt is not a property or a brand that I get to stay at a lot. There aren't quite as many. I think that's one of the problems that people run into. But when I've had an opportunity to stay at a Hyatt place just in terms of the lower tier, I was kind of amazed. I love this setup where it has kind of a partial dividing wall between the bed and the sitting area with the pullout couch. So when you have a younger child, you have that little bit of that separation of space without going for the larger suite or two rooms. [00:11:59.390] - Tamara Gruber So another benefit to me are some of the Hyatt brands that people may not be familiar with. [00:12:04.310] - Ed Pizza Yeah, no, I agree. And I think Hyatt House is another brand of there where they have multiple room suites. And I've had a reasonable amount of luck in contacting a property ahead of time through the concierge and asking even though it wasn't, isn't a published benefit to say, hey, can I use a suite upgrade certificate to just get a two bedroom unit instead of a one bedroom? And very rarely I've been told no for things like that. So I think it's the flexibility that they work with folks on. [00:12:30.320] - Ed Pizza It's not that Marriott or Hilton or anything to change doesn't have fabulous, unbelievable properties. I think it's for family travelers and for specific needs. We just need a little bit more flexibility at times. And Hyatt works hard to give that that's nice. [00:12:46.630] - Kim Tate I've heard a few other people that are kind of in the point space. They just love Hyatt. I'll admit, one of the things that's kept me from just going all in on them. I find I have a harder time finding properties where if you're doing like a road tripping type family or something like that, those Marriott properties, it seems like everywhere you go there's a Fairfield Inn. So that is one thing that I have noticed. Do you think there's any limitations on property availability with Hyatts? And then do you have any favorite property within that program that you think are great for families to check out if they're looking for a kind of hotel destination? [00:13:23.000] - Ed Pizza Yeah. And I think that's a fair criticism of Hyatt. If there is one is that they don't have the third tier city when you're going to visit friends and family when you're going to visit Grandma, if you're road tripping in the US, that's certainly an area where they're weaker than the other chains. They've expanded their footprint through really interesting partnerships. They have a big partnership with small luxury hotels of the world, which means that they now have over a dozen properties in Italy where they used to have one, and they things of that nature. [00:13:54.090] - Ed Pizza But as you say, I always use Williamsburg, Virginia, sort of my textbook example of the comparison between Marriott Hyatt, and each person will choose what's most important to them. Williamsburg, Virginia, Colonial, Williamsburg, Busch Gardens, all that stuff. It's a family destination. Not far from my house. There are zero Hyatts. There are no limited service properties. There are five Marriotts. They're all kind of dingy, but there are five properties there. And so the choice I make when my family goes to Williamsburg is do we drive 45 minutes from a very new Hyatt place, or do we stay right there at one of the Marriotts? [00:14:28.410] - Ed Pizza That's convenient, but not as nice as property, and I don't know that there's a right answer for that. I think every family makes that decision. But if you're going to make a compromise at times, that's the compromise you'd make with a road tripping in the US where I think they have some really specific fits, though, that work well for families. As you mentioned, what are some of my favorite properties? First and foremost, I think Hyatt Regency Grand Cypress, just outside the gates at Disney World, is a big plus, and it didn't use to be as big a plus. [00:14:57.680] - Ed Pizza But as Disney has reduced the benefits you get from staying on site, the Grand Cypress, it hasn't taken anything away. And beautiful property, tons of space, lots of pools, all that stuff right outside the gates of Disney, so it's easy to get to. I think again, when we think about family travel, Hyatt has a brand called Ziva, which is a family geared, all inclusive brand with properties mostly focused in Mexico and the Caribbean, which on points can be a really great way to go on vacation without spending money, because you could generally redeem points for extra guests in your room as well as the two base guests that are normally included in a reservation. [00:15:36.710] - Ed Pizza So you can actually use points to pay for your meals at an all inclusive with Hyatt, which I think is interesting, and it might not be the best value for everyone. But again, if it's hey, how do we take an extra family vacation every year being able to use points to cover meals? It might mean that your family gets to go rent a catamaran for the day or swim with Dolphins or do some other activity that maybe you didn't have the cash for something like that. [00:16:00.530] - Ed Pizza It's a great choice. And then we were really surprised to go further afield. Everybody, all the bloggers talk about the Park Hyatt Sydney is this unbelievably beautiful property that overlooks the opera house, and it's under the Harbor Bridge in Sydney. And I agree with all those things. I stayed there a few times. It's a wonderful hotel, but right down the road from it is the Hyatt Regency Sydney, which opened up a few years ago. And it's kind of a rooftop lounge up on one of the really high floors. [00:16:26.870] - Ed Pizza And so we were there for a week right before the pandemic in 2019. And by the second day of our stay, everybody in the lounge had memorized not only our kids names but the drinks that they liked in the morning, in the evening and what they like for breakfast. And so my kids were doted on by the lounge grew all included with my room as part of our stay, and they never had to ask for anything. They were doted on. They loved it. And my wife and I could enjoy a cup of coffee or out on the terrace on our own and watch our kids through the glass and watch the staff take care of them. [00:16:59.420] - Ed Pizza And it was a really great way to sort of sneak away for a few minutes as a husband wife while our kids were still with us on this epic trip. [00:17:06.460] - Kim Tate That's important. I think that when you can find a good hotel, they kind of recognize your kids as guests as well. Kids love that. And they remember that for sure. [00:17:15.240] - Ed Pizza Yeah. And I might not get this exactly right because I didn't look it up on the charts before we hopped on to record. But I think it's half the points of the Park Hyatt, which again is a delightful hotel, but it's pricey. And then I think there's other fun things. Grand Hyatt Bahamas is a really huge resort property in the Bahamas. So if you're looking for a way to do something like in Atlantis style property, but using points, I think that's a great choice. And then I'm a sucker for old historical properties. [00:17:43.390] - Ed Pizza So the Driscoll in Austin, Texas, is the Yellow Rose, as they call it, is one of my favorite old historic hotels. That's part of it as well. [00:17:51.240] - Tamara Gruber Does it have a collection like that the way the autograph collection for Marriott or gosh, what's the Hilton one. [00:17:58.350] - Ed Pizza There's so many of those different brand like the Marriott Hilton has spawned all these names for different things of all the brands. And the short answer is not only is the answer yes, but there's a ton of them, and some. Some of my fellow travel bloggers have almost criticized the hits and the merits of the world for having you have too many brands. Those things don't necessarily matter as much to me per se. I guess I understand it to some degree, but at the end the day, I think as travelers and especially family drivers, we're just looking for interesting, unique properties. [00:18:29.110] - Ed Pizza And as long as they come up on the website, I'm all years yet they have their unbound collection. And that was where it started with some recent acquisitions. They sort of added a bunch of other brands, so they fall under a bunch of different names, and I won't list all of them out. But like unbound one destination hotels, Thompson Hotels, a bunch of collections that they've absorbed over the past few years and acquisitions. But I think one of the fun things that hit does is they have what's called a Brand Explorer program. [00:18:57.870] - Ed Pizza I don't quote me on this, but I think there are 15 brands right now across the portfolio and in the boundless portfolio and the independent collections. For every five different brands you visit with it, you earn a free night, and so you can earn up to three free nights by staying at all the different brands. So it's a pretty cool unpublished benefit of it is that every time you chalk up one of these, you're closer to a free night at a high in the world. [00:19:22.760] - Tamara Gruber That's interesting. So they really want you to explore the breath of those brands. I mean, I like those kind of collections because then, you know, you're having something that's maybe historic or at least has character and personality versus your standard Hyatt. Hilton, whatever the generic kind of business hotel cool. That's good to know. Well, I am very intrigued by your hinting at a dark horse. So before we jump into our other questions, what would be your number two? [00:19:51.760] - Ed Pizza Yeah. So I'm not sure if this is my number two, but certainly they're right there in line with Hilton, because I think Hilton's maybe just a smidge ahead of them. But Wyndham redid their credit card portfolio late last year. And honestly, it was one of the things I wasn't paying a ton of attention to and through a mutual friend they had asked about sponsoring the podcast, and I'm generally not somebody who does that sort of thing unless it's a brand that I really support a lot of like, I really want to be into something. [00:20:18.520] - Ed Pizza I was like, Wyndham, it's not my favorite. Could there are a lot of lower to your properties that weren't really my fit. The credit card is really geared up being able to maximize points for earning for families, which I think is a hard thing to do if you're not a road warrior. And where I think they really fit for family travel is they have a huge chunk of vacation rentals. So they have some of their own, quote, unquote vacation rental properties. And they have partnerships with brands like Vacasa. [00:20:47.480] - Ed Pizza I never know if I say that correctly, but because of that, that we think of again, when we think of families, or at least for me, I think of space. And so there's a property in Orlando called Magic Villages, which is a Wyndham property, and you can use your points to redeem for up to a four bedroom luxury condo with pools and all that other stuff that are beautifully appointed, big barbecue grills outside at Zero fridges, all that stuff. And you can do that with points. [00:21:18.200] - Ed Pizza And it's equidistant between Disney World and Universal. And then you've got ski lodges and log cabins in Montana and properties overseas. And so I think when I think about family travel and I think about space and Airbnb and the role it plays and how our family travel world has changed. Wyndham sort of forging this middle ground where they say like, yeah, sure. If you want a Wyndham hotel or one of our other limited service brands like, we got you covered. But if you need more space, you can turn those points into Airbnb ish type rental in hundreds of cities around the world. [00:21:56.270] - Ed Pizza And I think that adds a lot of value for family travelers. Not as much for people who like to travel in a traditional way. But I think family Traveler specifically Wyndhams carving at a niche to say you could earn a bunch of points on our credit cards and you can use them for Airbnb ish type stays around the world. [00:22:12.740] - Tamara Gruber Yeah, that's good. I think about Smugglers Notch in Vermont, which is an amazing family ski resort. I used to be part of Wyndham Vacation Rentals, and I have to double check that it is. And I know I have a friends awesome that really love the property in Orlando and love that space option. Like you mentioned. [00:22:33.490] - Ed Pizza Yeah. And the Smugglers Notch is still a Club Wyndham property. And again, people think of timeshares like, oh, I don't want to buy a Timeshare, and that's a whole other podcast for some other day. But I think Wyndham gives you the ability to stay at those properties and not be a timeshare owner. So I think that's what's unique about the them in Hyatt has a very small collection of those properties time shersh sort of residence club properties. In fact, one of my favorites is in Sedona. It's called the Hyatt Residence Club Pinon Point, not that far from the Grand Canyon, but they only have 15 or 20 of those where Wyndham literally has over 1000 with the Club Wyndham stuff, vacation rentals and the Vacasa partnership. [00:23:14.530] - Ed Pizza So if you like that sort of travel where you're not staying in a hotel and you want a little bit more space, Wyndham is really carved that niche. And before when they didn't have a really robust credit card platform, it was harder to earn a lot of points with them. And now, especially if I'm a small business owner, and I understand that not everybody is that. But if you are a small business owner, some of the stuff that they have bonus categories on are very unique, like utility bills and stuff like that, that definitely aren't for everyone. [00:23:47.230] - Ed Pizza But if you happen to be somebody who as a small business owner and you've got all that stuff, it's a great way. Wait a pile on a ton of points that you're not going to find somewhere else. [00:23:54.620] - Kim Tate And do you know, if Wyndham is a transfer partner of either Chase or Amex it's one of the downsides is that they're not really have that kind of the credit card of their own to their credit cards are issued by Barkley's. [00:24:08.960] - Ed Pizza And I think you guys know some of the Barclay cards they've had over time, but they don't really have a flexible currency. Okay, as you say, with Chase and American Express, and even sort of coming around the bend with City adding like, I a partner like American Airlines to their fold, that in doing the and the Capital One is really up their game. This is the area where I think Barclay's as weakest is that they just don't have that robust transfer network. So you'd have to invest in holding a Wyndham card to earn a bunch of Wyndham points. [00:24:41.800] - Ed Pizza And I might be forgetting some other Wyndham transfer partner out there. And if they're out there, I apologize. I'm definitely not a credit card expert, like some other folks are in the space. I my interest has been peaked in a way that I wasn't expecting. [00:24:55.860] - Kim Tate Well, definitely for families. I can see why that might be appealing. So let's quickly just finish up this little bit of a category and touch base about maybe Hilton, of course, Marriott. Maybe even if we have time, you could mention IHG do you see, what are the pros and cons for any of those three type brands for to show up on their loyalty train. [00:25:20.870] - Ed Pizza Yeah. And I'll try to cover all three quickly. I think they all represent slightly different things. One of the things that I think Hilton has in common with Hyatt is that they value treating folks well on award stays. So things like no resort fees on award stays is a really cool benefit of Hilton that it has as well. I think the benefit for Hilton is massive footprint, easy to earn lots of points. And so you sort of got this world where Marriott has really expensive properties that cost a ton of points, but they don't issue a lot of points you've hired as a smaller footprint, and their properties cost less points. [00:25:57.480] - Ed Pizza And Hilton somewhere in the middle, and that they do have an award chart where the resort property can get pricey, but they give away a lot of points for hotel stays, they give away a lot of points for folks who happen to hold their credit cards. And as you mentioned earlier about road tripping, you can find a Hilton anywhere. Marriott is the same way in terms of footprint size, but they do charge things like resort fees and parking and stuff like that on awards stays, so they're not completely quote, unquote free. [00:26:23.030] - Tamara Gruber Can you explain for our listeners what award stays are? [00:26:26.040] - Ed Pizza Yeah. So if you spend on a credit card or you stay on a paid stay, you earn points in the loyalty program. So if you have a Hilton credit card, you're in Hilton points. If you have a Marriott credit card earning Marriott points, and then there's all the transferable partners, which maybe we find time to talk about today. But as Kim alluded to Chase and American Express, so you build up these points. And those points help get you a free room. And not all points are created equally. [00:26:54.150] - Ed Pizza So we like to say that top tier property at Marriott is 100,000 points and a top tier property that is 30,000 points per night. And so it's a lot easier, cheaper in points to get a free room with it. But they don't quite give the same amount of points per dollar. That's where it gets a little bit like funny money math. But Hilton, like I said, sits in the middle where they give a lot of points for folks who stay on paid nights. And you can also earn a lot of points with bonus categories on their credit cards. [00:27:25.740] - Ed Pizza So you you can build up a pretty big balance of Hilton points quickly if your goal is to save up for a family vacation. [00:27:32.140] - Tamara Gruber Now, some of these programs have changed some things recently. Do you want to touch on that? [00:27:37.280] - Ed Pizza Yeah. So again, we talk about family travel. Things like free breakfast is important, and Hilton rolled out some changes that they say are temporary. And I'm actually supposed to be recording with an executive from Hilton on my podcast in October. So hoping to get a more final answer on this. But they've temporarily removed to a benefit where instead of getting free breakfast, you get a credit per day that you can use for breakfast. If you wanted to use it for breakfast, which you can also use it for a drink in the bar in the evening, et cetera. [00:28:08.660] - Ed Pizza It doesn't cover traditionally what a free breakfast used to cover. And sort of where this came from was during the pandemic. A lot of hotels eliminated free breakfast completely in the beginning. It was because we didn't really know how COVID was bread is now sort of become this thing of, well, gosh, we lost a lot of money during COVID, so we don't want to have breakfast out anymore. And I think it's a big question Mark right now on what the future will look like. I think hotel owners don't really want to give free breakfast. [00:28:32.760] - Ed Pizza They've never really wanted to, but it's always been a benefit that's been there. And so there's this unique most moment where a chain like Hilton is trying to move away. It seems from that free breakfast benefit, and I'm going to be really interested to see how this rolls for, because as of right now, it is only listed as a temporary benefit. You guys have been in this business long enough to know that lots of things that are temporary become permanent. So that might be where we end up with us. [00:28:57.450] - Ed Pizza But right now, the breakfast benefit, Hilton is nowhere near as good as it used to be in a vacuum. That being said in my travels, I've seen very few hotels that really have have a free breakfast out, as opposed to a Brown paper bag with a Nutri grain bar, an Apple and a bottle of water [00:29:14.620] - Kim Tate for a while there when we took our spring break road trip, they weren't even stocked with that stuff because they couldn't get supply chains as like we have one almond milk and an Orange going to the first customer down. [00:29:27.910] - Ed Pizza Yeah, it has been crazy and I didn't touch on IHG I think is sort of falls behind those others. I think at this point Wyndham has passed them in my mind and that it doesn't really have the vacation rental part of their platform. And for those that might not know IHG or brands like Holiday Inn, Holiday and Express Intercontinental, they have beautiful properties overseas, Europe and Asia, much more so than I'd say in the US where the I think they can play a role is definitely road tripping. [00:30:00.260] - Ed Pizza And then also, if you happen to be somebody who has some travel for work in the US, I think earning points stand staying at US based IHG properties and then using them for some of the really cool properties overseas. They have some really eclectic older style properties in Europe that I think are a lot of fun. So that would be how I think about trying to use is it would be saying if your traveler road warrior staying at the Holiday Express throughout the year so you can redeem for a really cool Intercontental stay in Europe or Asia. [00:30:34.620] - Tamara Gruber Yeah, they have cool. The Hotel Indigo brand properties are pretty cool too for those boutique type of stays. [00:30:43.570] - Ed Pizza And they are expanding. The Hotel Indigo brand obviously has a lot of change during the pandemic, but I do expect there to be more Hotel Indigo being built over the next handful of years. [00:30:57.260] - Kim Tate A brand I always like the decor and stuff. It's very clean and modern feel and a little bit of the local vibe with local artists and some of that stuff. So that's cool. [00:31:07.960] - Ed Pizza Yeah. Last I checked and don't quote me on this. There's probably about 100 or so Hotel Indigo in the pipeline and there's probably about 100 open right now, so they'll probably double the size of that brand over the next call, four or five years. [00:31:23.220] - Kim Tate So now that you've given us a good layout of all the great programs, and maybe people are thinking of which property or which brand might work best for them. Do you have any tips or suggestions for how to build up points with some of these programs beyond just hotel stays? So you mentioned a little bit about the Wyndham credit cards, so I know credit cards are a huge part of it. So any other tips or what info do they need to know about earning and transferring hotel points? [00:31:49.700] - Ed Pizza Yeah. And I think you keyed right there on the last two words that you said are the two ways that we're thinking about this. Are we earning points or are we transferring them? And so I think there's two separate paths, and I'm going to take them backwards because I think the transferring path is the one that's going to work for more people. Then the best example I like to use for folks is for anybody out there that has a retirement account. I hope you don't have everything all in one individual stock or mutual fund. [00:32:14.850] - Ed Pizza You're diversified. So Kim kind of alluded to this before where Chase and American Express both have their own flexible currencies. Chases is called Ultimate Rewards, and American Express is called membership rewards. And so you can spend on a credit card, a certain Chase branded credit cards and certain American Express branded credit cards. And you can then transfer those points to hotels. And for this, I specifically like Chase better than I like American Express, and that Chase has multiple hotel partners you can transfer to IG. But you can also transfer to Marriott and to High. [00:32:49.820] - Ed Pizza So lots of flexibility there. And if you ultimately decide you didn't want to transfer hotels because you got a really super deal, like you found a super cheap hotel and you want to use your money on your hotels and then use your points for airline tickets. You'd have that flexibility. But this also goes back to what the value of points are. And if you transfer points from Chase Ultimate Reward, so let's say you had, like, a Chase Sapphire preferred card, and you earn points for dining out and groceries and all that stuff. [00:33:17.670] - Ed Pizza And then you transfer those points. They're going to go a lot further with Hyatt, where the most expensive property costs 30,000 points a night versus Marriott, where the most expensive property will set you back about 100,000 points a night because you're still transferring on a one to one basis from Chase Ultimate Rewards to these different hotel programs. So for most folks, I think those sorts of cards offer great flexibility, which I think is what we want in travel, especially for family travelers. If hotels is really the thing that you're most focused on, then yes, absolutely. [00:33:49.470] - Ed Pizza They're or hotel credit cards. And not just because of my bias towards Hyatt, but I also think they have a pretty strong offering for credit cards in that they offer bonus points for dining out airline tickets, gym memberships, which is a fairly unique category. Mass transit,  tolls, taxis, just a whole bunch of different categories where you can earn points for the things that you do on an everyday basis and use those to turn into vacation points further down the road. [00:34:19.360] - Tamara Gruber So would you ever recommend having a brand specific card as well? [00:34:24.720] - Ed Pizza You know, I think if your main goal is that you're going to be a free agent from an air travel standpoint where you're never going to use points for that, then I think a hotel branded credit card can make more sense. I think the other thing, too, that's a really solid reason to pick up a hotel credit card is that some of the cards do offer some level of status along with holding the card. That's a benefit of some cards, and it's very different amongst the different cards people use Hyatt  as an example is that you do get discovered status with them, which earns you a free late checkout and a bonus on points that you earn. But it also gives you sort of a head start to the next level of status as well. So those can be great ways to sort of bridge across. Marriott has a lot more credit cards than hit us, so you have the ability to sort of maximize that if you're willing to hold multiple credit cards, they also have credit cards from both Chase and American Express. [00:35:23.520] - Ed Pizza But you really do have to sit down and think about as you start to get into multiple credit cards. Are you really getting the value for the annual fees for all these cards? Because some of them have gotten quite expensive for annual fees for five $600 a fee. And we just want to make sure that we're getting that value if we're going to keep that card in our wallet year in, year out. Whereas something like Chase Sapphire preferred annual fee is $95, and it's not hard to get $95 in value on a yearly basis. [00:35:48.640] - Kim Tate Yeah, I was going to say one of the things I have the Marriott, and it is kind of nice when I choose that knowing that I'm earning six points or ten points or whatever it is now on those hotel stays, and I don't even have to think about that. And then it's kind of funny, though, because I get gold with them, which doesn't do anything with Marriott now and then I get gold with my Amex as well. So I'm paying all the stupid fees to get overlap that still doesn't do anything. [00:36:13.730] - Kim Tate But I've been really looking at my Amex Platinum lately to see if I'm really getting my $700 worth or whatever they raise the annual fee to this year. [00:36:23.030] - Ed Pizza Yeah, not to dig too deeply into the numbers of it but again, depending on which Marriott card you have, we talked about the one to one transfer from Chase to Marriott. And so for every day spend, you could still either category where you can earn three, four, five chase points per dollar and then transfer those to Marriott in a one to one basis. So you can definitely make an argument why a Marriott card might be really good for you to pay for your Marriott stays. [00:36:53.350] - Ed Pizza The other bonus categories on those cards generally aren't as generous as some of these, like middle of the road flexible currency cards where you can come out of head. [00:37:02.330] - Kim Tate Overall, I've been trying to figure that with dining. That's been my biggest dilemma lately is when I'm eating out because I don't have, like, a freedom or any of those things. So I feel like the Marriott actually recently looked like it was more. But then when you look at the points value, my Chase ink is probably the best way to go. So I was really torn about that one. [00:37:21.960] - Ed Pizza Yeah, and dining is one of those things. It isn't necessarily a big strength of the Marriott card. The chase cards are pretty weak on those categories, and I don't remember all the American Express benefits off the top of my head. But when you think about the fact that you take a car like the American Express gold card that are in four points per one dollars on dining, that's a pretty sizable bonuses compared to the other cards. And don't quote me on this, but I'm pretty sure that annual fee is 250 where you're obviously a lot higher with some of the premium cards. [00:37:56.360] - Ed Pizza So you get three points per dollar on the Bonvoy brilliant. I was tell the names are confused. [00:38:01.250] - Kim Tate I know they make it. Yeah, I have their business one. I don't know which one that is. I don't have a really expensive one. [00:38:06.490] - Ed Pizza They all have B names, but that one only earns three points per dollar on dining where you're getting four on American Express gold. So again, it's a mixed bag of things. I think if you're going to have a lot of Marriott stays, those can be solid cards for you, but I think at the end of the day it's hey, sit down and make sure you're doing the math on what you're paying for annual fee to make sure you really are getting the value. Because on that one, like a big part of why that card should be in your wallet is because you're going to use that $300 credit that it comes with at a Marriott property, because if not, then you're paying $450 for a credit card on a yearly basis. [00:38:44.060] - Ed Pizza And that's a pretty big chunk of change. [00:38:45.950] - Kim Tate I have the size down one on that one. I don't have that expensive one. The other one boundless or busy. I don't know why they chose to make the full you'll never know makes them hard to say. [00:38:58.580] - Ed Pizza Yes. [00:38:59.470] - Tamara Gruber I will say that one time I got Marriott card for a while. And if anybody has an event coming up, it's a good thing to do. Right. So I hosted my daughter's, bat mitzvah party at a Marriott, and you basically got, I think, like, three times the points. If you're hosting an event there, there was some kind of calculation that I did where I was getting points for the rooms that were booked as part of my group as well as the event itself by putting it all on that Marriott card. [00:39:29.840] - Tamara Gruber So that's how I tried to maximize that for a while. [00:39:33.200] - Ed Pizza Yeah. And you can even triple up and that they have a meeting planner program. So when you're planning larger events like that, you can earn points on top of those points. [00:39:41.940] - Tamara Gruber I think that's what I did. Yeah. [00:39:45.020] - Ed Pizza That's a great way to triple up with you, as you say, when you have things like special family events that can really maximize your earnings. [00:39:51.480] - Tamara Gruber Yeah. Well, as you said, we can dive into credit cards for a very long time. And I suggest anyone that really wants to get into this should definitely be subscribed to Miles to go, because sometimes you guys get into conversations on there where I'm like, Whoa, too much vernacular, too much jargon going on here because you definitely have guests that really know what they're talking about. So I would definitely recommend that. But I'm just curious. As a road warrior in so many hotels, sometimes you always want to write a post about biggest hotel pet peeves. [00:40:22.900] - Tamara Gruber But of course, who would care? But I want to hear what are your biggest pet peeves when it comes to hotels? And are they brand specific? [00:40:29.860] - Ed Pizza Well, and first off, I would care. So if you ever do write that, so let me know what I'll read it for me. Honestly, the biggest pet peeve that's developed over the past couple of years, and I hate to think of just the pandemic, but I think that this was lasting effects after we're done is what I've started to affectionately refer to as what I call no notice. No housekeeping. A lot of chains made changes to their housekeeping rules during the pandemic. In some cases, they weren't coming into rooms at all. [00:40:56.890] - Ed Pizza In other cases, like Hilton, they sort of moved away from the the standard of daily housekeeping. Two rules that make it sound like can't have housekeeping on a daily basis where in most cases, you could still ask for it. But I think the notice is the big part. We're all adults here. Let us make adult choices if you're not going to offer me housekeeping, which for the 40 plus years I've been on this planet has been a standard of pretty much every hotel in the country, minus some very limited narrow set of brands. [00:41:26.170] - Ed Pizza Housekeeping is a thing. We expect it. And so if you if you don't have enough staff or there's not enough money to do it. All those things. Just be honest about it and tell me upfront that. Hey, you're going to be here for six days and we're never going to clean your room. As with anybody in the pandemic, I can understand that hotels have gone through a real tough time not to sound sarcastic. I'm in the restaurant industry. We serve burgers and fries. If a customer pays me the same price they paid for a burger last year, I can't tell them I'm not giving them a hamburger bun today. [00:41:56.150] - Ed Pizza I still need to give them everything that they paid for. And housekeeping. I still just one of those things that I expect as part of hotel stay unless you tell me a time. And if you tell me out of time, hey, we're not going to here are the rules. At least I know the rules going into it. It's the changing of things and not telling customers clearly hear that we're not offering just like we talked about the free breakfast thing. Like, look, it's the published benefit than I expected. [00:42:17.600] - Ed Pizza And if you tell me you're not going to deliver it because of XYZ, at least I can make the choice as to whether or not I come stay at your exactly. [00:42:24.460] - Kim Tate I totally agree. They've been really lazy at notifying everyone even along on booking. I understand they can't always control third party booking sites, but on their own sites, they need to be saying if the breakfast is going to be a grab and grow bag, it should be right there on your reservation page. Or if they're not offering daily housekeeping or daily housekeeping can be added on to your even if they start saying, okay, you can get a prepay rate, you can get a regular refundable rate, or you can also book a rate that includes housekeeping. [00:42:55.990] - Kim Tate Fine, start doing that. But I think the lack of, like, housekeepers has been a big impact, and but I'm with you. Just let us know in advance. [00:43:06.360] - Ed Pizza Yeah, just be intellectually honest with your customers. We're smart enough to figure out that nobody came in and cleaned the room, and we're smart enough to remember we weren't told. So just get it out there ahead of time. [00:43:15.100] - Kim Tate That's the most annoying thing to me is just not knowing and then coming home expecting, especially when you're a family. [00:43:20.740] - Tamara Gruber Right. [00:43:20.950] - Kim Tate And you've got all of your towels are all mixed up and the kids would put theirs all over the floor, beds or carpet. And you're like, who's that never happens. You. Well, your kids are perfect. [00:43:31.790] - Tamara Gruber And not to mention there's that one tiny garbage can that fills up within a minute of arriving. [00:43:37.800] - Kim Tate And then for a while, when you were eating all your meals, like in your room, that worked really well. [00:43:43.740] - Ed Pizza Yeah, I think again, like, we're all adults, we can all cope with a new reality. If you tell me. I've got to put my trash can out by 08:00 at night, and sombody's going to pick it up. [00:43:52.060] - Kim Tate Great. [00:43:52.600] - Ed Pizza Then I know what the standard is. If we're never going to dump your trash can for five days, that's going to get ugly. [00:43:57.390] - Tamara Gruber Yeah. Well, and also back in the day, you were at least given the incentive of you get some points if you bypass housekeeping with kind of I always did not trust the greenness of that. I thought it was more of a way of getting out of housekeeping, but at least you got something for for it, right? Whereas now it's like, oh, no, you have to request it like you're being a diva to request it. It's like, no, if I'm going to say that, I'm not kidding it then give me something for that. [00:44:25.090] - Ed Pizza And the height of the pandemic when hotel rates were like, 50 or $60 a night because nobody was staying, I think it was an understandable quid pro quo. As a business traveler, I paid $300 to stay in a regular old Marriott property a handful of weeks ago and was told that I couldn't get daily housekeeping. It's like I'm paying three hundred dollars a night. That rate should have enough baked into it that you can get somebody clean the room. And if you can't understand, staffing is a big issue, but you need to communicate that. [00:44:51.910] - Tamara Gruber Yeah. I told this story recently on the podcast where I paid 250 a night to stay at a really crappy town place suites that was dirty and they didn't even have a pillow for my daughter to use on the pull out bed. It's like those kinds of things, like, no, sorry, it's taking it too far. Yeah, I agree. [00:45:09.430] - Kim Tate So now that we've talked about pet peeves and things that are driving us all nuts, what about some of the amenities or perks that you look for when you're debating between what hotel to choose? Yeah. [00:45:20.830] - Ed Pizza Well, we obviously talked about one of my favorites before, which were those confirmable suite upgrades at time of booking for Hyatt. So I think that's a really big one, just because I can lay that shit down when I need to for that one or two vacations a year and say, here's my ticket. I want that special room and tell me now. So I think that's a big one for me and for our family. I also think we're Hyatt and Hilton have really focused on reducing fees for folks who are on award stays. [00:45:50.310] - Ed Pizza So resort fees for Hyatt Hilton Hyatt went so far as to say we're not going to charge for parking on award stays. And it's not that parking costs a lot of money, but it's more like the nickeling and diming of stuff when you're on vacation, like, here's another fee and here's another fee and here's another fee. So I really like that those two who chains are really focusing on removing those fees when you have a, quote, unquote free room, it's actually closer to free. And that sounds funny for folks who maybe don't redeem points a lot. [00:46:17.830] - Ed Pizza But at some brands, there are lots and lots of fees. I know there are a lot of people that love club lounges. As our kids have gotten a little bit older, we probably use them just a little bit less because we like to get out and sort of explore local cities, if you will. And eating breakfast at a small cafe, Paris or Amsterdam or Lisbon is more appealing than hitting the lounge. But I still think lounges have a tremendous amount of value for families with younger children. [00:46:48.040] - Ed Pizza And so as our kids have gotten older, maybe that one's a little bit less important. But, boy, did we save a lot of money on properties that had free breakfast. And actually, I think the Hyatt Regency Grand Cypress was a great example of that pre pandemic. Their lounge has been closed during the pandemic, but before going to Disney World every morning, we'd have breakfast in the lounge. And I would say that's probably worth at least 30 or $40 a day for a family of four to eat breakfast somewhere. [00:47:12.660] - Tamara Gruber Well, I'm with you on the lounges, but also one of my things that I love is free water. So it's like the Hilton will give you the bottles of water. I remember checking in with my husband to a Courtyard Marriott in Portland, Maine, and he's Ambassador level. They didn't have us an upgrade available. And I was like, Can we get a couple of waters? And they're like, oh, we don't do that here. And I'm like, Seriously, you won't give us two bottles of water and the lounges. [00:47:39.520] - Tamara Gruber I stayed recently at a Marriott in Buffalo and had access to the lounge. And I think I was wiping them out on the water because the stuff from the tap just wasn't doing it. And they didn't have any refill stations open. So those little things Kim, knows how much I need my water. So it saves me a lot. [00:47:57.040] - Kim Tate It seems like they've gotten rid of those communal water fill, you know, for, like, some hotels have the little jug in the lobby, but because a COVID they got rid of that. And I have a feeling that's going to be another thing we never see see return. [00:48:10.580] - Ed Pizza Yeah, it's a good point. And I think you're the same way I am Tamara that I drink a ton of water when I'm on the road, just trying to stay hydrated wherever I am. And so that's a huge benefit for us. And you're right, Hilton is very good about offering that every time I check in like, hey, do you need a couple of bottles of water? It's also something that IoT is very good at and not to pile on Marriott. Put your comment about we don't do that there. [00:48:35.510] - Ed Pizza It's kind of sort of like an unwritten model of Marriott. That the property sort of do what they feel comfortable with. And some properties are really good about taking care of their guests. And a lot of the other ones are like, well, there's no financial justification for us to give you two bottles of water so you can buy them. [00:48:50.330] - Tamara Gruber Yeah, they're like, there's a little shop, little. I don't know what to call it, but it's like the main marketplace. Thank you. [00:48:57.540] - Ed Pizza Where you can pay $4 for a bottle  of Aquafina. [00:49:01.840] - Tamara Gruber well, you've been on the program before, so you know that we always ask a question about what you wear. But since we've heard that, I thought maybe we would mix it up and ask if you have a favorite type of luggage or brand for a carry on bag or a rolling bag. [00:49:16.240] - Ed Pizza Yeah. And I'm among the minority here. So my favorite brand is Briggs and Riley. They're not the prettiest suitcases. Sometimes my wife kind of looks sideways at them because not all the bags are like the sexiest and sleekest suitcases. But my main Briggs and Riley bag is now almost 20 years old. They've prepared at a time or two. A true lifetime warranty. It's got over a million miles rolled on it. They're just really, really durable, functional bags again, not as pretty as to me, but never had a zipper break on a Brigand rally bag in almost 20 years. [00:49:51.190] - Tamara Gruber That's amazing. [00:49:52.420] - Ed Pizza Yeah. [00:49:52.760] - Kim Tate There's somebody else who really loves those that I'm trying to think of. [00:49:56.000] - Tamara Gruber Is it Eric? Yeah. Okay. [00:49:58.130] - Kim Tate Maybe I couldn't remember. I was like, who else do I know that's a real Briggs and Riley fan. [00:50:02.340] - Ed Pizza Yeah. I mean, I've had really good luck with them. I think the brand stands behind their bags. And I've had so many people tell me about how they tried to send there to me, a bag away to get it repaired. And it was gone for weeks and weeks, and they had to pay for shipping and all this stuff. And I'm just a no nonsense guy. And the bags just work. [00:50:24.330] - Kim Tate Well, you have given us so much great information, but as we've already shared before, you have a lot more out there. So why don't you tell our listeners where they can find you on the line and follow along with all your great travel tips? [00:50:34.900] - Ed Pizza Yeah. And thanks again, guys, for having me on this was a lot of fun for me. I live vicariously through some of the travel that you guys have done over the summer, and I can't wait to get back to some of those fun places. So it's always great to be on the show with you. We do publish a podcast on a weekly basis, just like you guys find me at Miles to go on all the popular podcasting platform where you can find vacation mavens. And you can find me writing at PizzainMotion.com and all the Twitter, Facebook Instagram stuff is all @pizzainmotion as well. [00:51:06.880] - Tamara Gruber Thanks so much, Ed. [00:51:08.100] - Kim Tate Yeah, thanks. We love having you, and we will look forward to chatting with you again sometime soon. [00:51:12.940] - Ed Pizza Thanks, guys. [00:51:17.060] - Tamara Gruber And we forgot to mention at the beginning of the episode, but Kim and I do have an announcement to make, and that is something that we talked about a little bit on the last episode, but is now official. We're going to Portugal, although I'm totally knocking wood as I say that because, oh, my God, things can totally come up last minute. Now, I'm like, scared. Did I just drink this? Kim? [00:51:37.290] - Kim Tate No, no, it's all good. We're good. [00:51:39.300] - Tamara Gruber But we're going to be in Portugal. We're going to be exploring so much of this country. Kim and I have actually gone there together in the past, but now we're going to get to Do Porto and the Duoro and Alentejo hopefully that's how you pronounce it the Algarve. We're going to the Azores. It's going to be an amazing trip. I hope that you will follow us both on social media. So Tam

Chase has added Air Canada as an Ultimate Rewards transfer partner. Having new options is always good news, but is the news "great"? 00:00:25 Giant mailbag (Airlines set award rates just above saver level) 00:04:55 Mattress Running the Numbers: Hilton Amex Offer (20% rebate) + Triple points promo + Aspire card $250 rebate 00:13:22 What Crazy Thing Did Southwest Airlines Do This Week? Southwest drops segments w/out notice. Many readers "enjoyed" the same treatment. 00:20:09 Main Event: Is the addition of Aeroplan to Chase Ultimate Rewards really great news? Greg and Nick debate. 00:45:44 New Chase Aeroplan credit cards expected in November 2021. Are we excited? What kind of welcome bonuses can we expect? 00:49:25 Post roast. Nick takes Greg to task for failing to discuss how to manage points and credit card cancellations when in "two player mode" (e.g. when managing cards and points for a significant other.) 00:55:55 Question of the week. A reader overpaid taxes (using a credit card, of course), but the IRS hasn't yet refunded the overpayment 6 months later. This is more of a caution than a question.

Today's guest on the Travel Punks Podcast is Tys Sniffens, founder of Idea Mountain and inventor of The Journey Travel Packing System. From a yert on his off-the-grid compound, Tys flips the script and starts interviewing me as we discuss dance-shoe shopping, losing my luggage between Berlin and Stockholm, and the ingenious backpack-within-a-backpack modular design of the Journey, the only luggage a seasoned traveler really needs. You can buy the Journey Travel Packing System at ideamountain.com.

Today’s guest on the Travel Punks Podcast is Lisa Szkatulski, author of Faithful Nomad: Seven Rules for Finding Your Path … When There Is No Destination. We talk about the most impactful country she ever visited, why job benefits are bullshit, and how incurring $115,000 worth of medical bills before the age of 35 changed her outlook on life.Connect with Lisa on Instagram at @faithfulnomad or check out her story at faithfulnomad.com.

Spring (sigh).  While 40 degrees and sunshine does something special to my soul after a winter freeze, it also quickly turns into a muddy sloppy mess.  Since we are in the midst of another major home renovation phase (2 of 3) it feels like a mess or spring might just be the season of life I am in right now.   As you may know we create seasonal adventure lists to help offer something exciting to incorporate over several months into our family experience.  Our Spring Adventure List includes two of my favorite things: Maple Syrup and Waterfalls.  If you follow me on Instagram I have a highlight story on our Maple Syrup making process.  We had about 40 taps on 15 trees this spring and our process is pretty manual because the season is usually only 3-4 weeks long. The excitement of tapping the trees, gathering sap, and the day-long boil are all full adventures to look forward to.   GIVEAWAY ANNOUNCEMENT...Because I LOVE my listeners SO much I am going to give away a pint of our maple syrup ($10 value + S&H) to a few lucky listeners.  All of the details to this giveaway are on the Ordinary Sherpa Instagram Page, in the Ordinary Sherpa Facebook Group, and in my email newsletter this week.   Must do the following 3 things: Subscribe to the Ordinary Sherpa Email List (ordinarysherpa.com/subscribe) and Leave a written review for the podcast (go to Ordinarysherpa.com/review)  Take a screenshot, DM or email me the screenshot and the nickname you left it under to be entered.  If you have never had real maple syrup, it is very light and truly delightful.  I love it fresh from the boil on top of vanilla bean ice cream, but my kids have become maple syrup snobs and will eat waffles, pancakes and french toast everyday of the week in order to get their maple syrup fix.  I know buddy the elf and maybe the Trina from episode 003 and 005 might put it on spaghetti and others in my Facebook Group enjoy it on oatmeal.   Last week's episode with Melissa Lagerquist on Family Travel Rewards tips, which can we just say how awesome she was, set the foundation for travel rewards with families.  For something as complicated as travel rewards she really translated into such human terms.  As promised I am going to build upon the tips from Episode 018 and share our family's travel rewards strategy.  I'll give you a sense of our travel budget, our timeline of travel rewards, which cards we use, how we optimize the benefits and how we have utilized redemptions.  Our travel budget has never been luxurious, generally speaking it is about $2,500.  As a family of 5 that can be really tricky so while we would sometimes camp, or build a network of friends and family we can stay with, find cheap or free things to do, or benefit from a good fare sale (Scott's Cheap Flights being one of my favorite sources).  The last few years the game changer for us has been adding travel rewards through the use of credit card sign on bonuses.   My first travel rewards credit card was through my local credit union and it was the least effective reward card because there were no sign on bonuses to leverage in the accumulation phase, very few 2x or 3x earning bonuses, and overall poor travel redemption rates. However it was a starting point and you never get it perfect out of the gate.    I really upped my travel rewards game in 2018 when I began studying the rules of travel rewards and designing a strategy that worked for us.  If you want the DIY version I do recommend the ChooseFI.com/travel online course.  It goes deep but gives you a good sense of all the nuances.  But if you prefer DIY with a guide on the side, that's where Ordinary Sherpa can help you design a strategy for your family.   If you download my Family Guide to Travel Rewards, available at Ordinarysherpa.com/rewards some of the questions I walk you through are your location and airports near you, Potential destinations, Preferred airlines and accommodations, Financial behaviors, and timeline for travel with whom.  Living in NE Wisconsin the two airports close to us are Appleton and Green Bay, with the hub airlines of American Airlines, Delta, and United.   Because we are a family of 5 and my husband is a teacher, most of the traditional strategies didn't work for us because we didn't have the flexibility to travel in off-seasons, and we were a family of 5.  It's frowned upon to let a stranger take care of your 3-yo during a cross-country flight.  We needed to find options where we could sit together, and redeem points for 5 at a time, which takes a substantial stash of points. Which led us to Southwest Airlines as our first choice due to their companion pass.   Southwest Companion Pass is achieved by earning 125,000 points in a calendar year, I should note they do have a special Companion Pass offer out right now.  I didn't think it was as desirable, but given that I already have Companion Pass I also didn't study it as deeply.  A companion pass through Southwest Airlines allows you to bring a traveler with you on unlimited flights for the year you achieved CP and the entire following calendar year.  There are other airlines that offer Companion Pass (such as Delta and Alaska Airlines), but Southwest has the Platinum edition.  I earned my companion pass in August of 2019 and learned the hard way on several fronts that I did it the hard way.  Ideally you want to open both cards if possible in late October, early November.  You'll need a plan to hit the minimum spends and often Christmas helps out.  Just make sure you don't hit the minimum spend before January, or the bonuses will be applied in December.  My husband and I both have Companion Pass so each of us can bring a child for free and the stash of points we accumulated can be redeemed for our flights and one of our children's flights.  The other highlight for us was that we could use Companion Pass at any time during the year as long as there is a seat available on the flights.   Strategy 1: Choose a co-branded Credit Card that aligns with brands you prefer or that have routes that align with your departure or desired destination.  If you are interested in Southwest you can explore the Card options and benefits by going to Ordinarysherpa.com/sw Strategy 2: My next recommendation is to select a card/cards that offer Flexible Point currency such as Chase Ultimate Rewards, Amex Membership points, or Citi Thankyou points.  These points are flexible because they can be transferred to many different brands. Many of these flexible currencies include things like a reimbursement for TSA Precheck or Global Entry which allows you to expedite the security process.  In addition to other perks like trip insurance and airport lounge access.  We opted to do Chase since they aligned with Southwest and also included hotels and car rentals. Again we are in 2 player mode.  I went with Chase Sapphire Reserve and my husband went with Chase Sapphire Preferred.  We each opened a business card too which was Chase Business Ink (to learn more go to Ordinarysherpa.com/chase).  We are just beginning to draw down on our Ultimate Rewards points and find them helpful to cover car rentals or accommodations.   Strategy 3: Lastly, I would suggest getting a Travel Eraser Card such as Capital One Venture or Discover also has one.  Capital One Venture was actually our second card so we could use the points for things like Airbnb stays, or in 2020 RV rentals.  Anything that codes as travel on your statement can be wiped out with points.  These can also wipe out other travel related expenses such as tours or tickets.  For example if you are going to Disney, purchase your tickets from undercover tourist and you can use the eraser card to redeem points for those expenses.  You can learn more about Capital One Venture Card at Ordindarysherpa.com/venture This framework is for the DIY version of travel rewards. To learn details about travel rewards take the free online course at ChooseFI.com/travel. If you need a guide on the side, inquire about Travel Rewards coaching by contacting us on our online form at ordinarysherpa.com/contact and we can start the  Key Takeaways Choose a co-branded card that aligns with your destination and traveler needs Southwest Companion Pass is a great goal for family travel rewards Know the rules and timelines for earning the sign on bonuses Add a flexible use rewards currency to allow for other aspects of your travel to be supported by rewards.  Beware of the Chase 5/24 unwritten rule. A travel eraser card redeems points toward any expense coded as travel on your statement.   For a downloadable guide to Family Travel Rewards with tips, our 5 card strategy, and a rewards planning template, go to Ordinarysherpa.com/rewards  Resources mentioned on this episode:Episode 018 | Travel Rewards tips for families with Melissa Lagerquist: https://ordinarysherpa.com/familytravelrewards/ Subscribe to our Email Newsletter: https://ordinarysherpa.com/subscribe/ Leave a review: https://ordinarysherpa.com/review/ *To be entered for the giveaway you need to do both, take a screenshot of your review and DM or send to heidi@ordinarysherpa.com Scott's Cheap Flights: scottscheapflights.yuy8ab.net/BmLWJ Travel Rewards Credit Cards Mentioned:Southwest Credit Card: ordinarysherpa.com/swChase Cred: ordinarysherpa.com/chase Capital One Venture: ordinarysherpa.com/venture To download the FREE Family Guide to Travel Rewards: https://ordinarysherpa.com/rewards/

Reneé La Tour is a self-style fancy nomad and a co-founder of Business FinanceBlueprint, a coaching program that teaches aspiring entrepreneurs how to builda laptop-only business in the lucrative business and equipment finance niche.In this episode, Paul and Reneé talk about how the COVID-19 pandemic turnedher stay in Malaysia (a country Paul won’t even visit because of a JoaquinPhoenix movie) from one month to an entire year. They also talk about herfamily’s struggles with drug addiction, rideshare adventures in defying localtransit laws, and how massive Malaysia sometimes feels like a little sister to tinySingapore.Connect with Reneé on LinkedIn to check out her free master class on equipmentfinance entrepreneurship to see if Business Finance Blueprint is right for you.https://www.linkedin.com/in/renee-la-tour

The guys are back after a couple of months of work chaos. We get some rambling out of our system and chat about being off-brand before providing few details on how to start our own businesses. Travel? Sure, why not. Greece has a big to-do this Summer, we'll talk about that and tell you why stay-cations are still a good use of points.  Listen... News Transcription As of today, restrictions for US Citizens travelling to Greece would have you in quarantine for 7 days on arrival BUT that’s a few days from expiring. It could always be extedned but maybe some CAUTIOUS Summer planning?  To that end, One of Europe’s oldest festivals is ON for this year. The Athens & Epidaurus Festival celebrates some of the worlds greatest performers in the world of dance, theater and music. The festival has some cool history, it says here that “Up to the year 2005, the Festival was held exclusively at the Odeon of Herodes Atticus in Athens and the Ancient Theatre of Epidaurus…” , it’s since expanded to neighboring sites as it grows but the original venues are within an awesome archaeological site with tons of history. Hop to greekfestival.gr if you want to take a look AND Modhop for our recent look at top Greek must-see places. Host of one of my favorite OTHER podcasts, Miles to Memories’ Mark Osterman. Wrote up a helpful rant about Chase’s recent 10x points-for-dining promotion, noting that you’ll need to use their own dining portal within the Ultimate Rewards website to get the extra points. Ultimately, limiting who you can order from and it’s highly likely not somewhere that you were considering in the first place. He points out that it highlights a disturbing trend of similarly deceiving offers from card issuers so tage a good look at those offers when you get them. Add the Miles to Memories podcast to your cue, their crew hops on a ton of useful points and miles news and tips like that.

Jean Devlin is one of the founders of Austin Body Collective. In this episode Paul and Jean admire the view, discuss crashing a dance festival in Colombia (she has tickets, he does not), and Jean reads Paul’s Human Design chart in front of a live microphone, God help him. Check out her work at austinbodycollective.com or on Instagram at @austinbodycollective.

1:03 Pop quiz 3:17 Giant Mailbag: Letter from LarryinNYC 5:48 What crazy thing did Marriott do this week? The round-around we got over a member-to-member transfer. 11:50 Mattress Running the Numbers: Is it worth subscribing to the Motley Fool just to earn the 7500 Ultimate Rewards points? https://frequentmiler.com/7500-ultimate-rewards-points-with-99-motley-fool-subscription/ 17:18 Main Event: 2020's Deal of the Year https://frequentmiler.com/maximizing-chase-pay-yourself-back/ https://frequentmiler.com/wow-amazing-barclays-spending-offers-via-email/ https://frequentmiler.com/ludicrously-easy-path-to-hyatt-globalist-status-top-tier-status-for-2-years/ https://frequentmiler.com/wow-17k-business-class-to-from-europe-on-iberia-through-march-2021/ https://frequentmiler.com/marriott-bonvoy-boundless-5-free-nights-should-you-go-for-it/ https://frequentmiler.com/incredible-125k-10x-platinum-offer-for-some-targeted/ https://frequentmiler.com/big-new-75k-offers-pick-5x-office-supply-or-1-5x-everywhere/ https://frequentmiler.com/hsbc-600-bank-account-bonus-available-with-easier-requirements/ https://frequentmiler.com/airlines-eliminate-change-fees-aa-alaska-delta-united/ https://frequentmiler.com/amex-refer-a-friend-three-for-all/ 1:02:01 Post Roast https://frequentmiler.com/loyalty-alchemy-convert-citi-to-choice-9k-to-15k/ https://frequentmiler.com/use-your-expiring-ihg-free-night-for-status-match-opportunities/ 1:08:13 Question of the Week: Isn't 5x Ultimate Rewards better than 5x Marriott, Southwest, or United? Don't forget to like, subscribe, and leave a comment! Join our email list: https://frequentmiler.com/subscribe/ Music credit: Annie Yoder

Dylan Ogline is the founder of Ogline Digital, a seven-figure digital marketing agency. He is also the founder of the digital entrepreneurship training program Agency 2.0. We talk about what it’s like to run his business from the balcony of his condo in Bangkok; shit on boomers for the eleven-millionth time; contemplate the end of the orthodox system of American education; and reminisce about his childhood in rural Pennsylvania, getting drunk in the back of a limo owned by his family friends’ chauffeur company. Learn more about what he has to offer at dylanogline.com

Aran Gharibpour is a teacher of Philosophy born and raised in Tehran, the capital of Iran. We talk about his trip home to Iran during this pandemic; how the Doha Airport seems to have been decorated by a Swiss guy on a bad Walt Disney acid trip; one of several reasons why you shouldn’t go rock climbing on the Iran/Iraq border; and the underground tango scene in a country where dancing is illegal.

Following US Election Day results, it's important to remember the alligators and kittens, a concept to approach overall mental wellbeing. The negative influences in life are alligators and all of the things that make life better are kittens. Focus on getting rid of the alligators. It's a human bias to focus on the negative. How do you focus time and attention on the things that make life better? For Brad, he cut watching the news out of his life which has helped him to achieve a better mental framework for life. The business model of the new is to keep you watching through the next commercial break. They cause anxiety. You can stay informed without being a part of that model. Control what you can control and you will be in a better financial position four years from now regardless of the election outcome. There is so much outside of our control right now and worrying about it isn't productive. Despite the number of people who are confident they know what will happen to the stock market as a result of the election, the fact is that we just don't know. Market uncertainty is one of the reasons to have a plan for your money regardless of what is going on and automate it. Not only is it difficult to try and time the market, but you need to get it right twice, both when you buy and when you sell. The FI community is about long-term thinking. It's not about quarterly earnings or even five-year trends, but performance over multiple decades and the decisions that will help get you to the wealthiest point over that time period. With that long-term thinking in mind and in a time of calm, it's a great time to write down your investor policy statement. Having a plan for your investments, written down in an investor policy statement helps you to avoid being reactionary or make rash decisions. In February, the Dow hit a high of 29,500. By March 20th, it had dropped 20-30% and many predicted it would go even lower. Defying the dire predictions, the Dow recovered 30-40% of its gains within a few months. The problem with making market predictions is that there are far too many variables for you to account for and again, you have to get it right twice. Even the professions are wrong 50% of the time. What chance do you have of making your investment decisions around emotion enough to stay solvent or long-term or outperform the market over the long-term? Essentially no chance. The highest likelihood of long-term financial success is to control the expenses on your investments. Low-cost index funds are going to be your best bet. Following your investor policy statement and injecting new money when you can benefits you with dollar-cost averaging. Time in the market is much more powerful than timing the market. ChooseFI listeners are creating space and making progress in their lives. Patty commuted to paying off debt within five years and just made her last payment, including more than $40,000 in credit card debt. Joe replied to Brad's email, The FI Weekly, Joe shared that he and his wife transferred his 403(b) from a high-fee broker to Vanguard and also started on their journey to earning travel rewards by opening a Chase Sapphire Preferred card. November 8th is the LAST CALL to apply for the Chase Sapphire Preferred card with its highest-ever bonus of 80,000 Ultimate Rewards points after spending $4,000 in the first three months. For more info, go to ChooseFI.com/CSP. Teachers are primarily the ones using 403(b)s, most of which are laden with really high fees and very few options. ChooseFI plans to have an episode in the coming months with Dan Otter discussing doing better with your 403(b). Crystal sent in a message saying that she had no idea about fees and was investing with Edward Jones. Her investments hadn't done much over the last five years and now she's educating herself, but the fees appear to be hidden. Since the market has done so well over that last five years, the reasons why Crystal hasn't made money are because she wasn't invested in a strategy that allowed her to keep up with the market or she was getting crushed by the fees. Brad says finding the expenses for his old company's 401k options was relatively easy. Included in the table of investment options, one of the columns listed expenses. Other titles may be expense ratio or expense percentage. The numbers may range from 1.50 to 0.03. Without a nicely organized table, you may need to look up the expense ratio by looking up the ticker symbol. A low-cost index fund investment strategy is simple and not complex enough to require help from a professional. In contrast, a complex investment plan is probably costing you a lot of money. With an actively-managed fund, a person, or team of people, are making decisions on what to buy and when to sell. Through the fees, you end up paying them for their time. And then the data shows that they aren't even keeping up with the market. The difference between expense ratios of 0.1% and 1.0% is tens of thousands to millions of dollars over time after compounding. Brad ran through a scenario originally published to RichmondSavers.com reviewing the impact fees have on an investment portfolio over a 40-year timeframe. The result was that a high expense ratio and advisor fees cut the potential net worth in half. Even target-date funds may not get the returns you expect because they are too conservative for you. It's good to think about what you are invested in and how much it is costing you. ChooseFI's new website is now live! Check it out at ChooseFI.com or ChooseFI.com/start. There are still some issues to be fixed, but if you are having trouble finding anything let us know and send us your feedback to feedback@choosefi.com. The feedback on The Simple Startup classes has been overwhelmingly positive. Kids aged 10-18 have been getting off the video games and acquiring new skillsets to future-proof their lives. Rob Phelan has figured out how to offer the course year-round and the next session starting January 18th is open for enrollment. Registration will be open until January 8th or until it sells out. Previous sessions have always sold out. Register at ChooseFI/startup for The Simple Startup between now and November 15th and save $10. Use promo code “podcast” and save another 15%. Share what you are doing and how your life has changed by replying to Brad's email newsletter, The FI Weekly, and have the chance to win one of the books from ChooseFI Publishing. Sign up at ChooseFI.com/start. Christian Choosefi'd his view of the pandemic. He's focused on the positive things, like spending more time with his family, time to exercise, eating healthier, and saving $4,500 this year. Resources Mentioned In Today's Conversation The Simple Path to Wealth by JL Collins ChooseFI Episode 019 JL Collins The Stock Series Part 1 ChooseFI Episode 220 HelpFix My 403(b) Vanguard Funds and the Impact on Your Investment article published on Richmondsavers.com Start building a better portfolio today at Fundrise and get your first 90 days of advisory fees waived Cut your unlimited wireless plan with Mint Mobile Register for The Simple Startup Winter Challenge and get 15% using code podcast Get started on your path to financial independence at ChooseFI.com/start If You Want To Support ChooseFI: Earn $1,000 in cashback with ChooseFI's 3-card credit card strategy.  Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence.

How can you recognize the value in the secondhand market, begin optimizing a strategy, and turn it into income? Today's guests, Rob and Melissa Stephenson, the Flea Market Flippers, have built a six-figure business flipping the bargains they find. Rob spent weekends as a child with his parents visiting yard sales. They bought items and then listed them for sale to a bigger market using the newspaper classified section. Rob followed in their footsteps, flipping items as another side job without realizing the full potential of it. Selling used items is no longer a local market. With the launch sites like eBay with 181 million users, the whole world becomes the market. Rob and Melissa's business model capitalizes on larger items, such as commercial exercise equipment or restaurant equipment. They find the items locally from establishments going out of business. They look for the higher retail items which will make them a lot of money. It helps them to work less and make more profit. From their 89 sales last year, they made $80,000. For example, over the summer, they found a 40-inch range that retailed for $4,500. They bought it for $200, brought it home, then sold on eBay for $2,800. Over the last five years, Rob and Melissa have honed their freight skills and can ship very large and heavy items for reasonable prices. While they have become comfortable shipping large items, Rob and Melissa want people to start where they are at. Start with the items in your house, learn the system, how to take photos, how to sell on eBay to slowly build your confidence. The majority of the time, they research an item before buying it. Some things do sell quickly, but other items need time for the right buyer to find them before they sell. There are skill sets involved that make flipping items work: finding the deals, researching prices, making offers, marketing, taking good photos, and shipping. However, Melissa says it's actually a really simple business. There are lots of options for finding items, but Rob's favorite apps are Facebook Marketplace and OfferUp. He will scroll through them for ten minutes while sitting in his LazyBoy at night. There are fewer risks than there were several years ago. Smartphones have made it possible to jump onto eBay to check everything for the last 30-60 days that has sold. It's similar to the MLS with the housing market and looking for comparable properties that recently sold. If you can't find it on eBay, a good rule of thumb for items in good condition is 50% off retail. They no longer do many actions on eBay, opting for Buy It Now and listing for the price they want. Since you can see what an item has sold for the in past, if you want to sell it quickly you can just price it a little bit lower than that. Rob and Melissa sell 85% of their items on eBay and the rest on Facebook Marketplace. They usually cross-post items but eBay is consistently a winner. Fees on eBay are 13%. PayPal processing is 3% and 10% goes to eBay. They believe the opportunity to sell to a larger audience is worth the fee. Taking good pictures is important, with clean photos and nothing in the background. Fancy photography equipment isn't required. They still use their iPhones for everything. Since eBay allows up to 12 photos, you should use all 12 photos. The title for the item is the most important since eBay is essentially a search engine and the searches will come up on Google too. Descriptions are less important and Rob likes to underpromise and overdeliver so people have realistic expectations. Since they already have a good idea of how much it going to cost, they build it into the item cost and offer free shipping. It helps items to sell more quickly and reduce emailing back and forth with the buyer. Rob and Melissa love what they do and already feel like they are retired even if they haven't hit their FI number. Rob spend about 20-25 hours a week on their flipping business. They both like to travel and have a goal of being able to pay for the trip by flipping while on the road. Flipping is something Rob and Melissa are so passionate about that they teach a course. They have two groups they've been teaching, one with no experience flipping, and another group of experienced flippers looking to go freight. Rob and Melissa offer a webinar, which can be found at ChooseFI.com/flip, and a paid course. RESOURCES MENTIONED IN TODAY'S CONVERSATION Get an increased bonus of 80,000 Ultimate Rewards points with the Chase Sapphire Preferred Improve your writing skills and get a 20% discount on Grammarly Premium Check out Rob and Melissa's webinar IF YOU WANT TO SUPPORT CHOOSEFI:   Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence.  

Picking back up with the Household of FI series, Vivian is a single mom who found FI in the last year, but initially, it seemed impossible. It wasn't until she was introduced to the ChooseFI podcast and saw real people reaching financial independence that she believed she could do it too. Vivian has been dealing with a number of challenges: a cancer diagnosis, a child custody battle, and caring for parents who have no savings of their own. As a pharmacist, she earns a significant income. She's already managed to pay off $300,000 in student loans in six years and believes she can save $60,000 a year. Vivian has been paired with mentor, Leslie Tayne, also a single mom and attorney who helps people with debt relief. Leslie acknowledges that what Vivian is going through with her separation is one the most challenging times in her life and it is a very emotional experience along with being financially damaging. However, there is a light on the other side and she will come out with more freedom and more control. Because her significant other's mom used to watch her child while she was a work, childcare is a challenge right now. Childcare is expensive and not something you can find discounts on. As an attorney, Leslie helps her clients to fix their financial messes without judgment. She doesn't believe in a debt-free life since life has its ups and downs. Instead, it's okay if being debt-free is not realistic. We should learn to embrace our debt but what is important is how you manage the debt. Due to the separation, Vivian will be selling the house that is entirely in her name. If she makes a profit, she should talk to her tax preparer about qualifying for a capital gains exemption. Vivian is also interested in ways to save for her child's college education to which Leslie offers several options: contributing to a 529 plan, a state pre-pay program, or a regular savings account. There are tax advantages to contributing to a 529 plan over a savings account and should Vivian's child decide to not go to school, the money in the 529 plan may be used for grandchildren or withdrawn with earnings taxed at regular income tax rates. The Texas pre-pay option would allow Vivian to lock in current undergraduate tuition rates and required fees. When it comes to budgeting for groceries, Leslie says that her family mostly eats at home and orders out just once a week. One trick to not overspending at the grocery store is not to take the children with you, shop with a list, don't allow yourself to get distracted, and buy non-perishables in bulk. When you have no choice but to bring your child with you, you can allow them to pick one item so that they can pick something they want without filling your cart with everything they want. It limits your financial exposure when shopping. While eating out, rather than order a kid's meal, share bites of your own meal, and develop a taste for adult foods. Vivian's daughter is not yet attending pre-K schooling, due to the virus but may be able to find reasonably-priced options that give her the option to socialize. Because her significant other has not been cooperative during their separation, all of the attorney costs and other fees have gotten be very expensive. Vivian needs to be as cooperative as possible to limit her financial exposure. Leslie says a good piece of advice is don't marry or get involved with anyone you don't want to be divorced from. It's often advisable to keep finances separate in a relationship and protect any assets with a prenup or postnup because it is very tricky to untangle them should the relationship end. Everyone should look at what deciding to combine finances in a relationship really means and how it impacts things. Brad reviewed the capital gains tax question and said because Vivian has lived there for at least two of the last five years, she would be eligible for up to $250,000 in capital gains tax exclusion. The decisions being made should be ones that will make life better over the long-term. Brad's goal is to set the groundwork for a successful life. Jonathan notes that Vivian doesn't appear to have an issue with her savings rate, instead, she may be at risk of slipping into a deprivation state. To fight this urge, Brad believes we need to have a better idea of what the path looks like for her. As ChooseFI follows Vivian during this study, she will need to better understand her expenses and her FI number. She needs to have a sense of where she is to know where she is going. ChooseFI recognizes that some audience members are just finding and joining us now. ChooseFI is building out a curated path to help you figure out where you are and what information will serve you best. Sign up to receive this information and more at ChooseFI.com/start. RESOURCES MENTIONED IN TODAY'S CONVERSATION ChooseFI Episode 155 FI for Single Parents The Tayne Law Group Compare life insurance policies with Policygenius Get 80,000 Ultimate Rewards points with the Chase Sapphire Preferred Get back to basics with ChooseFI! IF YOU WANT TO SUPPORT CHOOSEFI:   Share FI by sending a friend ChooseFI: Your Blueprint to Financial Independence.  

In light of the coming Chase Freedom Flex and enhancements to the Chase Freedom Unlimited, is the Sapphire Reserve the king of the Ultimate Rewards wallet, or should you save money with the lower fee of the Sapphire Preferred or Ink Business Preferred? Greg and Nick discuss that, airline change fee changes, and more. This week's timestamps may be added after publication. Music credit: Annie Yoder

00:51 Reader feedback: Nick's confession time Related post on product changing Capital One cards: https://frequentmiler.boardingarea.com/capital-one-product-change-dilemma/ 9:44 What crazy thing did Citi do this week? https://frequentmiler.boardingarea.com/someone-in-ihg-marketing-was-having-a-laugh/ 17:02 Mattress Running the Numbers: Is it worth transferring Ultimate Rewards to IHG for easy elite status?  https://frequentmiler.boardingarea.com/top-tier-status-via-chases-ihg-transfer-bonus/ 29:05 Main event: Do credit card category bonuses matter much? https://frequentmiler.boardingarea.com/nicks-wallet-completely-revamped-in-6-months/ 47:20 Post Roast 54:33 Question of the Week: When does it make sense to diversify into a third currency? Should this reader go after ThankYou points? Don't forget to like and subscribe!

Episode Description In episode 44 we discuss the ugly side of mask shaming and Mark’s recent experience.  We also discuss upgrading to the CSR, cashing out Ultimate Rewards points, why we don’t talk to friends about miles and points anymore & much more. Episode Notes 5:53 - Talking to friends about miles and points 15:50 - Mask shaming is ugly & Mark’s recent experience. 24:19 - CSR upgrade & cashout plans 31:53 - Strange business questions from American Express 33:08 - Chase 3Q Freedom categories 35:21 - Disney reopening dates are set   Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Sticher, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know! Music: Rewind by Jay Someday | https://soundcloud.com/jaysomeday Music promoted by https://www.free-stock-music.com Creative Commons Attribution 3.0 Unported License

Ziad Bader is the founder of ZeeOverSeez. We discuss when the fuck we will be able to travel again. We also solve the Israeli–Palestinian conflict and commiserate on the trials and tribulations of the toughest job in the world ... YouTube Travel Blogger. Check out Ziad’s travel stories on Instagram at @zeeoverseez and on Youtube at ZeeOverSeeZ.

Paul and Carson discuss the knife fight in progress between travel credit card issuers, offer woefully inexpert opinions on the coronavirus pandemic, and how we all now look like we’re about to rob every restaurant and retail store we approach for curbside delivery. Follow them at @paulgreenamyer and @creditcarson.

Episode Description In episode 11 we discuss the Amex RAT out in full force, Hyatt's terrible room charge policy, NYC's hidden gem plus the Chicago Seminars and only the best deals!  Be sure to check out some of our favorite miles and points podcasts, We Travel There, Miles to Go, and Now Boarding! Also, if you're looking for a way to organize your credit cards, check out Travel Freely, the Miles to Memories recommended tool for tracking & organizing credit cards.  Episode Notes  0:58 - Chicago Seminars 4:17 - Miles to Memories VegasDO (details!) 8:28 - Hyatt Room Charges, Problem Resolution & Watching Card Charges 15:35 - Break 16:42 - The Amex RAT is back on the attack 28:20 - How to slay the Amex pop-up 30:28 - New Sesame Place opening in California 32:23 - 5x Ultimate Rewards opportunities (Office Depot/Max and Staples) 33:29 - Roosevelt Island in NYC Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Sticher, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know! Want some easy money? SoFi Money is offering $50 for signing up through our referral link and funding your account with $100. It only takes 2-3 minutes! Get 1.8% APY and unlimited ATM reimbursements worldwide with no monthly fees and no hoops to jump through for an easy $50 bonus! Then get $100 when you refer your friends!  Music: Rewind by Jay Someday | https://soundcloud.com/jaysomeday Music promoted by https://www.free-stock-music.com Creative Commons Attribution 3.0 Unported License

This week, join Talking Points on a trip over to Chase’s flagship branch in New York City. JP Morgan’s head of branch banking and wealth management, Pam Codispoti led a conversation with Brian Kelly to find out how he earns and redeems his Ultimate Rewards, and Brian shares tips for those looking to do the same. You’ll also hear a bit about how The Points Guy got its start, TPG's favorite redemption and advice for separating personal and business spend. See acast.com/privacy for privacy and opt-out information.

In the second episode of Making A Points Millionaire, we continue the journey of taking a points and miles novice from zero to a million points/miles in one year. This podcast concentrates on financial literacy, strategy, and skills needed to learn how to take on “The Hobby” that has brought so many people affordable travel and experiences. The Agenda: Introductions: @HJPreller and our new co-host, none other …

Kristin Lemkau, chief marketing officer at JPMorgan Chase, tells The Points Guy about the marketing and evolution of the Chase Sapphire products and what customers can expect from Sapphire lounges. Afterward, Sarah Silbert, TPG's senior credit cards editor, breaks down Chase Ultimate Rewards, transfer partners and booking through the Chase Travel Portal. See acast.com/privacy for privacy and opt-out information.

In this episode, I discuss some ways to get the most out of your Ultimate Rewards and Amex Membership points. It's a fairly involved show, so I provided a transcript of the link below if you'd like to follow along. Thanks to all the Patrons for your continued support! Important links: Transcript Patron Access Vegas Confessions Vice Lounge Online God Save the Points  

Free-quent Flyer returns to talk thoughts on Hyatt Globalist status and solid ways of earning Ultimate Rewards points. We also talk Park Hyatt NYC and Sri Lanka. Come for the rough take-off, stick around for the smooth landing!

There are more cool tools on the market than most of us will ever have to investigate. If we do invest the time in exploring the latest and greatest thing, we usually follow the same pattern: sign up, get busy, and forget to learn how to use the tool to our fullest advantage. After our experiments, all we have left is a $40/month charge on our Chase Visa card. Sure, we get the Ultimate Rewards points, but we didn't get any benefit from our investment. Eventually, the annoyance of seeing the charge on our credit card statement sufficiently motivates us to cancel our account. With tool-signup regret in mind, I'm running through my list of top tools. These are tools my businesses have been using for a long time and still use today. I don't hesitate to pay their monthly fees because they help my businesses grow. Some of these tools will give you a discount if you use the links on this page. Some will give me some cold, hard cash as an affiliate commission. Here's the good stuff… 1. Search Engine News These folks send a monthly newsletter about capturing business online. They focus on search engine marketing, but they also give other advice. They are a big part of why our website gets more than 1 million visitors each year. It takes me 20 minutes a month to read their publication. (They even send an audio summary if you prefer.) You're probably paying people for search engine optimization services, and you likely don't have a clue whether they know what they're doing. Get educated. We've subscribed to Search Engine News for more than a decade, and their advice has helped us achieve astonishing website traffic from Google. There is nothing you can buy that will deliver more value. It's cheap, easy to read, understandable, and actionable. 2. Ruby Receptionist We once hired a receptionist without doing a criminal background check. It turned out that she had killed a star NFL running back at point-blank range with a shotgun after robbing a bank. Yep. Now we outsource all of our phone answering to Ruby Receptionist. When you call our firm and press zero on the auto attendant, you're talking to Ruby. Oddly, we get more compliments about Ruby than we ever did with our in-house team. Initially, we experimented by using Ruby as a backup service. We went all in when it worked so well. You'll get $100 off your first invoice if you use my link. Ruby doesn't charge a setup fee, so you'll be up and running in an instant. As far as I know, Ruby Receptionist hasn't killed anyone. 3. SweetProcess When your assistant stumbles onto the subway tracks and gets run over by the train, it's curtains for your business if you don't have your systems documented. Your systems are your business. Most of us lack an easy, accessible, comprehensive approach to documenting systems. We've tried it all from Google Docs to hosted wikis, but nothing worked. SweetProcess helps us get things done. We use this tool in our firm to document our systems and procedures. Our entire team has access, so they know how to do whatever needs doing. Turn your 14-day free trial into a 28-day free trial in just two steps: Register for the 14-day free trial. Then send an email to owen@sweetprocess.com and mention our special code “White Oak.” 4. WP Engine This service hosts our North Carolina Divorce site and Rosen Institute. We've tried a bunch of others, but these folks are the best. They cost more, but not too much more, and they're worth it. Saving $20 a month on web hosting is penny wise and pound foolish. The first time you call customer support, you'll realize that your $5/month host is costing more than you thought. WP Engine provides powerful, robust servers with excellent stability and customer service. It doesn't provide all the flexibility of some other providers in an effort to lock things down and prevent issues. We're making tradeoffs in favor of reliability, and we're very satisfied customers. 5. CoSchedule You wouldn't be reading this right now if we didn't have CoSchedule. This tool drives our site and our law firm forward. It brings our team together and imposes discipline. It keeps us on schedule, and it automates production, scheduling, and social media promotion. It works. CoSchedule is a calendar on steroids. We use it to schedule content for our law firm site, including articles, videos, FAQs, and more. It's tightly integrated with WordPress, and it allows for assigning and tracking tasks among multiple team members. It's the secret sauce that keeps us on schedule and productive, which results in fresh material on our sites. Freshness matters in the eyes of Google, so CoSchedule helps us rank well in the search engine results. 6. Stamps.com There are law firms still using postage meters---seriously. Do they still use legal pads, file folders, and dictation equipment too? If that's you, then step into the future. We now have refrigeration, antibiotics, and horseless carriages. It's nice here on earth. Join us. Stamps.com lets you print postage on your computer. There's no need to go to the post office. This system works much better than your old-fashioned postage meter or rolls of stamps. 7. Zoom You know that camera on your phone? You also have one on your computer. Why aren't you using it to make yourself more money by building strong, visual connections with your clients and referral sources? We used to use GoToMeeting and GoToWebinar for group calling and videoconferencing. We switched when we realized those products were crappy and that they cost more than Zoom. Zoom is not crappy. It's slick, smooth and easy. We use it for business meetings and for dirty talk with our side action. (Just kidding---I wanted to see whether anyone was still reading.) It's a great audio- and videoconferencing product that delivers high-quality voice and pictures. 8. Salesforce We use Salesforce as our practice-management system. It runs our business. We couldn't live without it. We've customized it extensively to meet our needs. Salesforce is incredibly powerful. We use it instead of products like Clio, MyCase, or RocketMatter. But it's expensive---very expensive---especially once you factor in the cost of development and add-on products. Should you use Salesforce instead of a simpler, less expensive practice-management system? Probably not. Sure, you'll make compromises when you go with a less complicated, less expensive product, but life is filled with compromise, and a good enough product is probably good enough. Salesforce is probably our most important tool, so I couldn't leave it off the list. But going all in on practice management isn't for everyone, and that's especially true if you're small. 9. LastPass "AWESOME#1" is probably not the best password to use on every site you access. In fact, you should be using passwords with about 15 characters, in random order, mixing upper- and lowercase characters, plus numbers and special characters. And you should use a unique password each time. You already knew that, right? I think someone mentioned the password thing back in 1995. But you're ignoring that advice, so just for fun, I'm going to pay some Russian dude $17 to hack your device, grab those photos (along with your client's secret asset info), and post that picture of your great big… boat… on 4chan. Okay? With LastPass, you can easily set unique passwords, have them auto fill on your laptop and phone, and share them with your team without revealing the password itself. It's ugly, a little clunky, and less convenient than using your middle name for everything. But it gets the job done and prevents embarrassment and bankruptcy when you mistakenly lose control of your client data because you failed to follow basic security best practices. 10. Freedom While I love writing for you, I'd rather browse Facebook and the New York Times. That's why I use Freedom to disable Facebook, Instagram, the New York Times, and other time-wasting sites so I can get work done. I use this product to lock down my web browser and phone to force myself to focus. It's ridiculous that I need this product, but it works like a charm. Get 20% off of any plan if you use the code FREEDOM20OFF. 11. VyperVPN I switch VPNs as often as I change socks (pretty freaking often). That's because switching VPNs is cheap and easy, and it seems necessary when older products slow down or fail to keep up with the latest software developments. Working from coffee shops, courthouses, and other remote locations creates a security risk when you're transmitting data over public Wi-Fi. A virtual private network (VPN) helps keep your private information private. This is the service I chose because it's inexpensive and simple to use. Lately, I've been playing with a packet sniffer and watching traffic in the coffee shops where I work. It's incredible what I can see on the public Wi-Fi. I'm learning things about nearby people that make me hesitate to sit on these shared cushions again. 12. ConvertKit Ready to turn email into money? We do it, and it's our most powerful marketing tool. You can try Infusionsoft or HubSpot, but most lawyers end up spending lots of money on the product plus a consultant, then end up with something unfinished after working on it for a year. ConvertKit is up and running nearly instantly. We use it along with AWeber and GMass (a very cool product tightly integrated into Gmail). It's the easiest product we use, and it's more powerful than either of the other legacy products we employ. Basically, you can send prewritten emails to prospective clients (or others) over time. It's fully automated, and it's easy to customize your emails based on user behavior. Users who visit certain pages on your site can get specific emails. Clients can get emails that are different from other groups' messages. People who open emails frequently can get more emails than others, etc. You can better understand the behavior and interests of your prospects based on link clicks and purchases and then cater campaigns specifically to them. 13. Google Analytics This is Google's free website tracking and analytical tool. It's a must-have for anyone with a website. When you couple Google Analytics with the free Google Tag Manager, you have a powerful combination, allowing you to carefully measure your marketing with detailed specificity. It's valuable to know what's working and what's not working so you can spend your marketing budget wisely. Thankfully, you won't spend any of it on these free Google services. They are the best marketing deal around. It's Time to Move Forward That's my list for now. We use these tools every single day. Each of them adds to our bottom line. I'd have a tough time living without any of them. They are our favorites because they work. If you sign up for any of these services, do yourself a favor and do the following four things: Take note of the date you signed up. Pick a date 90 days from your sign-up date. Make a note on your calendar to cancel the service on that date. When that date arrives, cancel if you're not actively using the product. There are so many amazing products and services with the potential to help you grow your practice. It's awesome, but it's also overwhelming. Move deliberately with a plan in mind. Tackle one thing at a time. Winning is about moving forward a little each day. Sign up, experiment, implement, and keep executing. And if you fail, cancel and move on without regret.

009 | In Today’s Podcast we cover: Why Jonathan started with travel rewards: Wife’s family in Zimbabwe: $6,000 in flights every two years https://www.choosefi.com/travel What is this travel rewards strategy all about? Minimum spending requirement defined Options to meet minimum spending requirement Return on investment: instead of 1.5% rewards, you can earn upwards of 33% Impact on credit score and Brad’s personal experience Is this strategy right for you? The Chase Gauntlet and why you want to focus on Chase cards first Where to start? Chase Ultimate Rewards How to earn the Southwest Companion Pass (and the value of the pass) Business credit cards Ultimate Rewards points and three ways to redeem them Jonathan’s trip to Zimbabwe: Helping him save $6k in 5 minutes How to search for flights at United’s website If this strategy can take Jonathan to Zimbabwe, it can take you anywhere! Other destinations with ‘sweet spot’ options: Costa Rica, Hawaii, Europe If you want to take 1-2 nearly free vacations per year, this strategy is right for you  ChooseFI.com/Travel Travel Credit Cards

What to do with 140k Ultimate Rewards Points by Points and Miles by Lori

Wherein Matt joins us as we flash our lack of expertise on a variety of topics. Included: South American trip reports, legal advice from people who aren't lawyers, and how much we'd truly pay for Ultimate Rewards points. Recorded 6 Feb, 2016.

Chase launches new Ultimate Rewards website offering customers enhanced, personalized rewards.

Maranatha supporters find giving their time, energy and resources a rewarding experience

You and I are judged. All the time. Too fat. Can't sing. Stuck in a relationship. Labeled. Sized up. Sometimes fairly, sometimes not. The man who originally said Don't Judge promised to come back - and judge. So what's judgment all about? And what do you need to know about judgment in the afterlife?

You and I are judged. All the time. Too fat. Can't sing. Stuck in a relationship. Labeled. Sized up. Sometimes fairly, sometimes not. The man who originally said Don't Judge promised to come back - and judge. So what's judgment all about? And what do you need to know about judgment in the afterlife?