Tag Archives: Hotel Loyalty Points

Have You Read My Top 10 Blog Posts from 2019?

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Good morning everyone, long time no blog.  I hope you all had a great holiday season and have exciting plans for New Years.  Quick update from me: Laura and I drove down to Orange County from the Bay Area for Christmas and then we *tried* to drive back up to the Bay Area on December 26, but since the Grapevine (on the 5 Freeway) was closed due to snow, we only made it half way up on the 101 Freeway.  We stopped in Santa Maria (near San Luis Obispo) for 1 night (shout out to the Holiday Inn Express Santa Maria for 20K IHG Points) and then we drove up the rest of the way on December 27 for a second Christmas with Laura’s family.  Then on Saturday morning, we flew to Las Vegas to visit my new niece (born on December 21).  On Sunday night, after a nice relaxing dinner at the LAS Centurion Lounge, we had a minor weather delay on our return flight to SFO, followed by sitting on our United flight for 90 minutes as we waited for an open gate (half of SFO is United, so there should be an open gate…).  We are glad to be back home and I have a few blog posts in the pipeline.

For today’s post, I will list my top 10 most read blog posts written in 2019 along with the top 10 posts of the year (regardless of the year they were written).  By the way, here are the most popular posts from 2018, 2017, and 2016. Continue reading →

6 Buy Miles / Points Promos Ending Soon: Marriott (30%), Alaska (50%), Etihad (30%), Hilton (100%), IHG (80%) & Hyatt (40%)

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Good afternoon everyone.  I was working on my Buy Miles & Points Page and found a few offers ending soon.  Always check the math to make sure that buying miles & points makes sense for you.  Do not buy miles & points speculatively unless you have a use in mind.  With that said, here are 6 offers that end in December.  Up first, Marriott Bonvoy is offering a 30% discount, when you purchase at least 2,000 Marriott Bonvoy Points.  This offer expires on December 22.

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Why Do We Keep 16 No Annual Fee Credit Cards?

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Good afternoon everyone, I hope your weekend is off to a great start.  A few days ago, I wrote a post titled I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?  In that post, I shared the 21 credit cards that I plan on keeping and how I justify paying the annual fees on those credit cards.  I felt bad for the 16 no annual fee cards that Laura and I have and decided to write a post about them too.  Roughly half of the no annual fee credit cards were downgraded / converted from a credit card with an annual fee.  Besides the rewards that some of the no annual fee credit cards provide, keeping no annual fee credit cards open long term is good for your credit score.  It improves the length of credit history (average age of accounts), which represents 15% of your total credit score.  It also helps with the amounts owed (your credit utilization ratio), which represents 30% of your total credit score.  Lastly, it helps with payment history (paying your credit card bills on time), which represents 35% of your total credit score.  For more info, check out this Doctor of Credit page.

Image source: https://www.kiplinger.com/article/credit/T017-C000-S002-how-your-credit-score-is-calculated.html

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I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?

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Good morning everyone.  As we approach the end of the year, I decided to take a look at my credit card spreadsheet and see how much my wife and I paid in annual fees this year.  I removed all the no annual fee credit cards and here are the 26 credit cards that have annual fees (sorted alphabetically).  I will break down this list into cards that I am 99% sure that I will cancel, 99% sure that I will keep, and the 50/50 cards that I might keep or cancel.  Read through this post and let me know if you agree or disagree with my thinking.

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6 Buy Miles / Points Promos Ending Soon: Avianca (145%), Radisson (100%), American (80%), Choice (40%), Frontier (50%) & United (85%)

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Updated 11:45am PT on 12/9: United Airlines has a buy miles promo that ends on December 11.  More details added below.

Good afternoon everyone.  I was working on my Buy Miles & Points Page and found a few offers ending soon.  Always check the math to make sure that buying miles & points makes sense for you.  Do not buy miles & points speculatively unless you have a use in mind.  With that said, here are 6 offers that end this week.  Up first, Avianca Airlines is offering up to a 145% bonus, depending on the number of Avianca Airlines LifeMiles you purchase.  This offer expires today –  December 3.  Extended until December 5.

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