What’s in Grant’s (iPhone) Wallet?

Good morning everyone, I hope you had a great Super Bowl weekend.  I was down in Orange County enjoying the warm weather, but now I am back up in the chilly Bay Area.  I’ve been wanting to write about this topic for a while, but my final motivation was reading 2 Frequent Miler articles: What’s in Nick’s wallet? and What’s in Greg’s wallet?  The first thing you should know about me (if you already didn’t know) is that I am a millennial and I live in the Bay Area, so I can go weeks without using cash.  For that reason, my wallet is built into my iPhone XS case.  I use the Urban Armor Gear (UAG) iPhone Case ($30 on Amazon) that has room for 4 cards: my drivers license and 3 credit cards.  Which 3 credit cards do I carry with me on a daily basis and which credit cards do I have in my ApplePay Wallet?

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Where is the No Annual Fee Hyatt Credit Card?

Good afternoon everyone.  In the conclusion of my recent post, I stated that if I had to keep only 5 credit cards with annual fees, I would sadly have to close my hotel credit cards.  After I wrote that post, I decided that I would rather downgrade my hotel credit cards to no annual fee credit cards like the Marriott Bold or American Express Hilton.  I was curious if every hotel chain had a no annual fee credit card, so I decided to create this table showing the hotel brand, no annual fee credit card and the annual fee credit card.  Some hotel brands have several credit cards with different annual fees, so I chose to show credit cards with annual fees in the $75-$95 range.  A few things stood out to me… Hyatt was missing a no annual fee credit card.

Hotel Brand No Annual Fee Credit Card Annual Fee Credit Card
Choice Barclays Choice Privileges Visa Signature Credit Card N/A
Hilton American Express Hilton Honors Credit Card American Express Hilton Honors Surpass Credit Card ($95)
Hyatt N/A Chase World of Hyatt Credit Card ($95)
IHG Chase IHG Rewards Club Traveler Credit Card Chase IHG Rewards Club Premier Credit Card ($89)
Marriott Chase Marriott Bonvoy Bold Credit Card Chase Marriott Bonvoy Boundless Credit Card ($95)
Radisson US Bank Radisson Rewards Visa Credit Card US Bank Radisson Rewards Premier Visa Signature Credit Card ($75)
Wyndham Barclays Wyndham Rewards Visa Credit Card Barclays Wyndham Rewards Visa Credit Card ($75)

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If I Could Only Keep 5 Credit Cards with Annual Fees…

Good afternoon everyone, I hope your weekend is going well.  A few weeks ago, I wrote these 2 posts:

In those posts, I listed all the credit cards that Laura and I have.  I also justified why I paid $4,588 in credit card annual fees in 2019.  Since that post, there have been a few credit card changes (JPMorgan Chase Ritz Carlton Credit Card lost the Visa Infinite Discount Air Benefit and the Chase Sapphire Reserve Credit Card added Lyft and DoorDash benefits).  A few readers commented and other bloggers linked to the top post and shared which credit cards they keep every year.  As part of my 2020 travel resolutions, I said I wanted to reduce the amount I paid in credit card annual fees.  In this theoretical post, here are the 5 credit cards with annual fees that I would keep…

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How to Spend a Long Weekend in Carmel / Monterey, CA

Good morning everyone.  This past weekend, Laura and I did a mini road trip from the San Francisco Bay Area down to Carmel / Monterey.  If you fly into San Francisco (SFO), Oakland (OAK), or San Jose (SJC), it is a 1.5 to 2 hour drive, depending on traffic.  Alternatively, you can fly directly into Monterey (MRY), but that airport has a smaller route network and more expensive flights.  I have been visiting Carmel / Monterey for 25+ years.  Every year for Thanksgiving week, my extended family would drive up from Southern California to Carmel / Monterey and I would spend time with my grandparents, cousins, aunts and uncles.  As far as I can tell, not much has changed during that time in Carmel / Monterey.  Here are some of my favorite places to stay, eat and visit.

Hyatt Regency Monterey Hotel and Spa on Del Monte Golf Course

Laura and I stayed at the Hyatt Regency Monterey Hotel twice in the last 3 years.  This hotel is a category 4 Hyatt which costs 15,000 World of Hyatt Points or you can use your Free Night Certificate from the Chase World of Hyatt Credit Card.  As of January 2020, there is minor construction on the main entrance road and outside the hotel lobby.  They are also refreshing the hotel rooms and we stayed in one of the refreshed rooms.  The hotel has plenty of parking (all free) and no resort charges.  It is very easy to get to various parts of Carmel / Monterey within a 10-15 minute drive.  I highly recommend this hotel and plan to come back next year after the construction and room renovations are complete.

Image source: https://www.hyatt.com/en-US/hotel/california/hyatt-regency-monterey-hotel-and-spa-on-del-monte-golf-course/mrydm

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Stop Spam & Robo Calls with RoboKiller App (Listen to my 2 Funny Voicemail Recordings)

Full Disclosure: This post has nothing to do with travel and I have no referral / affiliate relationship with RoboKiller.  Please enjoy the 2 funny voicemail recordings.

Good afternoon everyone.  A few weeks ago, I read about RoboKiller in a magazine and decided to check it out.  RoboKiller is an app that runs on your smartphone that will block spam / robo calls and texts.  One of my favorite features of RoboKiller is the ability to use one of the Answer Bots (basically a recording that pretends to be a real person answering the phone).  When RoboKiller detects a spam or robo call, it will answer the call and play the selected Answer Bot.  The app records the caller and the Answer Bot and allows you to listen to the call afterward.  There are 50-100 different Answer Bots to choose from, but my choice is a 5-6 year old girl who answers the phone.  You can listen to the 2 recordings below to get an idea of how it works.

First call is 1 minute and 27 seconds:

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