About Harlan

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

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Why I Bought a Car With Credit Cards

by Harlan 14 Comments

a silver car parked on a concrete surface

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I’m targeting late April/early May to be out of NYC and in Dallas full-time.

For as long as I can remember, I’ve wanted a silver Subaru Forester. Buying a house and moving to Dallas meant I’d need to buy a car sooner or later.

The budget I had in mind was $6,000 for everything. Tax, title, registration, base price of the vehicle, everything.

I knew car prices tend to rise as it gets warmer, so when I found a great deal on the car I wanted in late February, I went ahead and snagged it.

My new cahhh

My new cahhh. I named him Clyde

Oh! And I wanted to pay for it in full. No financing.

Just an in-shape, reliable used car whose only expenses were maintenance, insurance, and gas. Boom.

Buying a car with credit cards

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Review: Bluff Works Travel Pants for Men

by Harlan 19 Comments

a pair of pants and a camera

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Update 3/7/16: Bluff Works has generously offered a $10 discount to Out and Out readers! Use promo code PROBLUFFOUT when you check out. It’s valid until April 15th, 2016. 

Out and Out was recently in Barcelona. For the trip, 2 very different companies set up collaborations.

The first was Coco Luxe (coconut oil on-the-go, which is one of my travel must-haves).

The other was a company that makes another kind of on-the-go products. And with it came the chance to try new pants!

About Bluff Works

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10 (More) Cool Things To Do in Barcelona

by Harlan 10 Comments

people walking on a beach with palm trees and people walking

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Out and Out is excited to present a guest post!

Travels of Adam is written by Adam, who writes about travel with an emphasis on the LGBT community.

Adam got in touch after my post about fun things to do in Barcelona went up. He’s traveled there more extensively, so I thought it would be fun to share his Barcelona tips with you guys.

It’s awesome to have another voice on here! And if you’re a blogger or writer, or have a cool story to share, get in touch because I’d love to share more guest posts!

Without further delay, I’ll let Adam whisk you away to Barcelona.

10 Cool Things To Do in Barcelona by Travels of Adam

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Next Week: Heading to Vipassana to Meditate for Ten Days

by Harlan 6 Comments

a yellow wheel with blue text

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Tomorrow, I’m heading down to Dallas again. I’ll work from there for a few days, and then head to Kaufman, Texas, to begin an experience unlike any I’ve ever had.

I signed up for a Vipassana 10-day meditation session.

During that time, there will be no phone, no internet, no computer, no texting or FaceTime or checking the news. And no talking. Days begin at 4am and run through 9pm. The focus is each day is… nothing.

To think of nothing.

2016-03-05_11-01-20I am excited and terrified. But so looking forward to it.

About Vipassana

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I Got the SPG AMEX with 35,000 SPG Points – Here’s Why

by Harlan 9 Comments

a close-up of a credit card

Update: One or more card offers below are NO LONGER AVAILABLE. Please check here for the latest deals!

Yep, I caved. Because I figured now or never.

I wrote about how I didn’t care about SPG points. But I also used to love Club Carlson. And cozied up to Hyatt.

I also used to be “meh” about Hilton, but I’m enjoying being Hilton Diamond this year.

So, things change. And if anything’s changing, it’s definitely the loyalty industry. And it is an industry.

Why now?

I navigated over to the application page, and looked at it for a little while. (How’s that for an image?)

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Hook, line, and sinker

And then, I thought, well, 40,000 Starpoints is worth at least 50,000 Alaska Airlines or American Airlines miles.

It’s true. You get 5,000 bonus miles for every 20,000 Starpoints you transfer (if the airline has a 1:1 transfer ratio with SPG).

I figured I’ll have at least 40,000 Starpoints after meeting the minimum spending requirements. Plus, I have to pay taxes this year and, fortunately or unfortunately (depending on how you look at it), I can complete it in one go.

That’s worth it for 50,000 Alaska Airlines miles.

Although, Cash & Points is looking mad attractive the more I dig into it.

Plus, you get the 5th night free on award stays at Category 3 and up hotels.

Nights & Flights looks pretty interesting, too.

Suffice it to say: there are a lot of ways to start using 40,000 Starwood points.

Getting the SPG AMEX

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In Closing: My Experience Buying a House

by Harlan 20 Comments

a room with a wood floor and double doors

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Back in November, I wrote about wanting to close on a house in Dallas. I did, in fact, close on a house in Dallas right on schedule, on December 15th, 2015.

The new living room where I'll (hopefully!) be banging out new Out and Out posts!

My new living room!

That was almost 3 months ago, but it’s taken me this long to write about it.

A friend of mine said it best. We had lunch when she was scheduled to close on a house a few days later.

“OMG!” I exclaimed. “Are you like, so excited to be closing ?”

“Not really, actually. I’m just sort of… ready for the process to be over.”

I didn’t think much of it at the time because I still was excited to be moving toward a closing.

That is, until I got there.

Hurry up and wait

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It’s Back! 75,000 Hilton Points for Citi Hilton Visa With No Annual Fee

by Harlan 4 Comments

a person looking up at a sign

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If you want to boost your Hilton points balance, you can earn 75,000 Hilton points when you get the Citi Hilton Visa. The minimum spend is $2,000 on purchases within the 1st 3 months of account opening.

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75,000 Hilton points for a no annual fee card is a pretty good deal

If I didn’t already have this card, I’d sign up for it. I caved after being seriously tempted the last time this offer popped up because:

  • 75,000 Hilton points is nearly enough for 2 five-night award stays at Hilton Category 2 properties
  • The card comes with automatic Hilton Silver elite status
  • You’ll get the 5th night free on all award stays
  • The card has no annual fee
  • It helps to build a positive relationship with Citi, who you’ll note is NOT AMEX or Chase
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Drugstores, eh?

You’ll earn 6X points on your Hilton stays, which is awesome. (Just don’t use it outside the US, because there’s a foreign transaction fee!)

But this is one of the few cards that still earns bonus points at drugstores.

You’ll earn 3X points at supermarkets, drugstores, and gas stations. And 2X points everywhere else.

Is a Hilton card better than a 2% cash back card at drugstores?

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TripBAM Monitors Your Paid Hotel Rates & Alerts You If the Price Drops

by Harlan 9 Comments

a screenshot of a hotel

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Ever since I got my Citi Prestige card, I’m finding I have a lot more paid hotel stays. Which means:

  • It’ll be easier to earn and maintain hotel elite status (at Hilton)
  • I want to get the best possible price on every day

For my upcoming trip to Japan, the hotel rates were pretty high because of cherry blossom season. I booked anyway in hopes the prices would drop. But I didn’t know how to track it except to check manually on the hotel site every day, which sucks because it’s time-consuming.

Enter TripBAM

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Yup, FoundersCard Still Offers Caesars Total Rewards Diamond Status Through 2017

by Harlan 25 Comments

a close up of a card

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The title says it all.

I’ve written about FoundersCard a lot over the years. Some peeps think it’s phooey, others love it. I’m in the latter camp.

The selection of ancillary benefits reads like a round-up of the best of the best from co-branded cards (free TripIt Pro, Hilton Gold elite status, Cathay Pacific Silver elite status, 10% off British Airways flights).

The one benefit I’m consistently asked about is Total Rewards Diamond elite status.

It still works

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United Miles Versus Singapore Miles: Which Star Alliance Partner Awards Are Cheaper With Each Program

by Harlan 5 Comments

I’m getting more into Citi’s ThankYou program recently (because Citi ThankYou points are so easy to earn).

And while I can’t totally abandon Ultimate Rewards (for access to United Airlines, British Airways, and Hyatt), I’ve been thinking of award flights where collecting Citi ThankYou points instead of Ultimate Rewards might actually make more sense.

Why Singapore Airlines miles?

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Review: Air France Lounge JFK @ Terminal 1

by Harlan 8 Comments

people sitting in a room with large windows

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Before I headed down to Martinique to stay at the Hotel La Pagerie (with the 4th night free!), I had to get to JFK to experience my first Norwegian flight, departing out of Terminal 1.

What lounges are there? The Air France Lounge and the KAL (Korean Air Lines) Business Class Lounge – Priority Pass gets you into both.

I’ve been to the KAL Lounge before and was underwhelmed. Plus, the Air France Lounge was literally right next to my departing gate (Gate 1). Perfect!

I got free admission for me and up to 2 guests thanks to the Priority Pass I got with Citi Prestige. But day passes are between $35 and $50, depending on time of day. I brought Jay with me, so I peg this visit for at least $70, and have updated the Citi Prestige by the Numbers page to reflect this visit.

The lounge

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Hotel Review: La Pagerie, Les Trois Ilets, Martinique

by Harlan 4 Comments

a courtyard with palm trees and buildings

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The ticket to Martinique cost $67 out-of-pocket ($317 fare – $250 Citi Prestige airline credit). And I booked Hotel La Pagerie through Citi Travel Concierge and got the 4th night free.

Citi Prestige saved me a boatload of cash on this trip. Safe to say I love this card.

Grounds of the Hotel La Pagerie

Grounds of the Hotel La Pagerie

Arrival and check-in

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