Harlan Vaughn

About Harlan

Just a dude living in Memphis, traveling, and working toward financial independence.

Only Days Left for Citi ThankYou Premier’s Incredible 60,000 Point Bonus (Easy $800 for Travel)

October 6, 2018 by Harlan 2 Comments

Update: This offer is no longer available. Click here for the best current offers!

If you haven’t jumped on this offer yet, time’s almost up. Citi will pull the chance to earn 60,000 Citi ThankYou points with the Citi ThankYou Premier card on October 11th, 2018. Each point is worth 1.25 cents toward travel (including airfare, hotel stays, cruises, and excursions), which makes this offer easily worth $800 after meeting the minimum spending requirement.

Even better, the annual fee is waived the first year. So you can see if you like the card for 12 full months before paying. Even then, Citi is excellent about retention offers for bonus points upon card renewal. I get them regularly.

This is also one of the few cards to earn 3X points on gas (and travel).

Citi ThankYou points helped me get to Prague. 60K is the best offer there’s been for the ThankYou Premier

I wish I could get this offer. You’re not eligible if you’ve opened or closed another ThankYou card in the last 24 months. Otherwise, there would be zero hesitation. This is the highest offer ever for this card.

Citi ThankYou Premier Bonus = $800

3 Chase Ink Small Business Cards: Which Is Right for You? (One Bonus Is Worth $1,000)

October 5, 2018 by Harlan 6 Comments

Chase has 3 Ink cards targeted at small business owners:

Preferred
Cash
Unlimited

Each accomplishes a different business goals by way of awarding bonus points in certain categories. And they all earn Chase Ultimate Rewards points – one of, if not the, most valuable rewards currency.

But only 1 of them gives you direct access to Chase’s travel transfer partners (it’s also the only one with an annual fee – the Ink Preferred).

The Chase Ink Preferred (formerly called the Plus) is the only Ink card with transfer partners

Let’s look at what makes these cards compelling.

Chase Ink Business Cards – What’s Alike and Different

Free Money: Why Even Frugal Folks Should Have a Credit Card

October 2, 2018 by Harlan 6 Comments

a blue background with white text and money

Just got back from FinCon. Of course I told everyone how I like to travel using credit card points & miles. Within the personal finance/FI/RE community, I was shocked how many people still don’t have credit cards.

And these are people who delight in number-crunching!

I understand the concerns about mismanagement, overspending, or accidentally missing a payment. But fact is, credit cards are part of adulting because your credit score is part of adulting.

Responsibly using credit is a sign to lenders that you qualify for lower rates and higher lines of credit. You can’t even rent an apartment without a credit check these days.

I’ve literally earned $1000s for free with no annual fee credit cards – everyone should!

And if you’re counting every penny, you definitely want a credit card. Because you can get back 2% of everything you spend. For completely free. Why wouldn’t anyone want that?

No annual fee credit cards are a no-brainer

Allbirds Alternative: Try These Stylish Travel Shoes for Only $40 to $45

October 1, 2018 by Harlan 18 Comments

Last year, I championed Allbirds shoes because they look great, last a long time, and feel like walking on a cloud. I wore them every time I traveled – and walked 100s of miles in them.

For $95 a pair, that’s a great price for shoes you’ll have for up to a year. I wore them until the grip on the soles wore off and little holes appeared in the bottom. I’m rough on my shoes, and get a certain amount of pride from putting them through the wringer. I need my shoes to carry me from place to place – and I am not kind to them when I’m on the go.

So when I found a similar shoe for $40 to $45, I decided to give it a go. Urban Fox shoes are just as comfy, stylish, and simple as Allbirds. And I dare say – even more comfortable.

These are NOT Allbirds. They’re $40 to $45 and even more comfy. Why pay $95 for the same look?

After walking around FinCon for a solid week in these bad boys, I can confidently say they’re the real deal. And while I like the sustainability/green choice factor with Allbirds, I also like paying $40 to $45 instead of $95 for a similar product.

Are Urban Fox shoes the best Allbirds alternative?

Sinemia Review: How It Works & How to Get the Most From It ($10 for 3 Movies a Month!)

October 1, 2018 by Harlan 20 Comments

So we all know MoviePass is dead as a doornail by now. Other programs have (or will) pop up, like AMC’s A-List and Alamo’s upcoming season pass (get on the waitlist now if you’re interested).

I used the ever-loving crap out of MoviePass, so losing it stung hard. But I’ve had Sinemia for a couple of weeks now and I gotta say – I like it even better than MoviePass.

Right now, they have a fall promotion to see a movie:

Every day for $30 a month
3 times a month for $10 a month
1 time a month for $5 a month

Considering the average movie ticket is $10+, that’s a great deal. But with MoviePass in the can, it begs the question: how long will this one last?

I opted for the plan to see 3 movies a month

So far, so good, though. I like that you can buy tickets in advance. And there are a couple more ways to get an even better deal out of the membership.

My Sinemia Review

USAA Cards Not Earning Reward Points (Cashback) for Plastiq Payments

September 17, 2018 by Harlan 5 Comments

a red line going through a blue and white website

I opened a new USAA card to take advantage of a 0% APR rate until February 2020 (but gosh how I wish the Limitless card with 2.5% cashback everywhere would come back). I previously got a new card to make a student loan payment.

So the USAA Preferred Cash Rewards card earns 1.5% cashback on purchases. I was hoping Plastiq payments would code as “miscellaneous services” (or similar), but nope, they post as a “quasi-cash merchant” and do not earn any reward points.

So don’t use your USAA card with Plastiq!

More importantly, I hope this doesn’t signal a trend of Plastiq coding as cash-like purchases.

Don’t mix USAA cards with Plastiq payments, cuz you won’t earn rewards

Even still, I was not charged a cash advance fee per Plastiq’s advising.

Tread carefully with USAA Plastiq payments

7 Tricks to Save EVERY Time You Shop at Costco

September 7, 2018 by Harlan 16 Comments

Dear light of heaven, I love Costco. Whereas to some it can seem like a gigantic warehouse with narrow aisles stacked to the ceiling with pallets, to me it’s a veritable wonderland.

I love a good deal, and the best deals are often buying in bulk. When I mention I’m a Costco member, I’ve gotten scoffs and “Yeah but I don’t need 25 rolls of paper towels and 8 dozen eggs [or some other exaggeration]. Plus, where would I put it all?”

Ummmm… Costco was the cheapest place to shop in New York City, honey. If I can find space in a tiny Brooklyn apartment to store extra items and save some cash, you can too. And that’s what it’s all about: saving cash.

In my element

Admittedly, Costco isn’t always the best deal. Sometimes they try to pull one over on ya and slip in some regular-priced stuff. But I don’t blame ’em for trying to make profit. Because when the deals are good, hoooo boy are they stellar (find me a cheaper avocado and I’ll eat my hat, and bananas cheaper than Trader Joe’s). That’s what keeps me shopping at Costco year after year: THE DEALS.

On top of already great prices, I’ve found ways to push them even further by making sure I always get a discount. 2% off, 5% back, even 10% rebates in some cases when I’m in the mood to plan a big shopping trip.

Here’s how I save every time I shop at Costco.

Stack these offers to build your own discounts at Costco

Mississippi on My Mind Tonight… #Gordon

September 4, 2018 by Harlan 13 Comments

I’m from Mississippi. I was born and raised in the Mississippi Delta (“The Most Southern Place on Earth” as in, characteristically Deep South) and went to one of the best public high schools in the US in Columbus before heading to Vermont for college (I went to Bennington, for the record).

The state is constantly glossed over in so many ways. I get it has a low population, little industry, and is stuck in 1950. But as another hurricane comes to shore (Gordon), I’m thinking about my home state tonight.

I grew up in Clarksdale

Just wanted to share a few thoughts.

The Mississippi weather I know

Dallas Meetup 9/14 – And Any Interest for AUSTIN Meetups?

September 4, 2018 by Harlan 11 Comments

Out and Out is hosting another Out for Miles frequent flyer meetup in Dallas, this time at Komali on Fitzhugh and Cole, right off Highway 75.

This one will be next Friday, September 14th, at 5:30pm – just in time for a fantastic happy hour! I made this one on Friday evening per a few requests. If you’re in the Dallas area, feel free to join!

See you next Friday at Komali for the next Out for Miles meetup

I also want to gauge interest for a potential Austin meetup. I was thinking of having one in early or mid-October. If this sounds fun, please leave a quick comment. I’ll try to organize it as soon as I’m done with FinCon!

Out for Miles event details

Buy a Coin for $1,400 – Earn Points + $50 Cash!

September 4, 2018 by Harlan 5 Comments

Ink Business Cash® Credit Card
	• 5X Chase Ultimate Rewards points on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year • 2X Chase Ultimate Rewards points on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
• $0 annual fee
• Excellent 5X categories and best-ever offer right now	• Compare it here

Yay! I’m opted-in to this deal which happens at exactly 12pm Eastern Time on Thursday, September 6th, 2018.

It’s through PFS Buyers Club, which I’ve written about before.

The Palladium coin costs $1,387.50 + $4.95 shipping – so your total will be $1,392.45. PFS Buyers Club will pay you $1,443 once you complete the deal, for a profit of $50.55 – on top of the points you earn.

If you’re looking to meet minimum spending on a card, this is a simple way to do it!

Get ready to buy this coin and make $50 on Thursday

This one is going to go quick, so hurry if you can do it!

Buy through PFS Buyers Club and make $50

Get 4% Cashback for Sporting Events, Theme Parks, & More With This Card’s Unusual Category Bonus

August 25, 2018 by Harlan 6 Comments

a roller coasters with a ferris wheel and a ferris wheel

Let’s talk about this new Capital One Savor card. It has:

A $300 cash sign-up bonus after meeting spending requirements
4% cashback on dining and entertainment
2% cashback at grocery stores
1% cashback everywhere else
Learn more here

I dug into that entertainment category and realized how surprisingly broad it really is. It includes:

Buying tickets to a movie, play, concert, sporting event, tourist attraction, theme park, aquarium, zoo, dance club, pool hall or bowling alley. Also, making purchases at record store and video rental locations.

Some of those things are pricey! And saving 4% could add up quick.

I freaking love Sleigh Bells (look them up!). You can earn 4% on a HUGE number of activities with Capital One Savor

The dining category is wide, too – it includes nearly any place you can get a meal, snack, or drink. But I’ll keep my Chase Sapphire Reserve for those purchases.

If you’re LOL/24, looking for a nice sign-up offer, or spend a lot on entertainment the card easily pays for itself. And could be worth keeping long-term.

Let’s look at some numbers.

Capital One Savor review

GIVEAWAY: Enter to Win a Basic Pass to FinCon 2018 Next Month (Worth $600+)! 🎁

August 15, 2018 by Harlan 6 Comments

Join me at FinCon 2018 next month!

For my birthday weekend next week, I’m giving away a Basic Pass to the event which is September 26th through 29th, 2018, in Orlando!

The entries begin today at 5pm Central Time and end on August 22nd, 2018, at midnight Central Time! 🎉

Wanna go to FinCon 2018? I’m giving away a Basic Pass!

Right now, this pass is selling for $599 + fees. So if you win, you’ll save $600+, plus you’ll have a ticket to the BEST personal finance event around. I went last year in Dallas – and will attend this year, too. So if you win, you’ll see me there! 👋🏻

This pass gives you full access to all the standard events.

See how to enter below!