About Harlan

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

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Yes! Instantly Approved for Citi Prestige!

by Harlan 22 Comments

a close-up of a sign

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I just had 3 rum and cokes and bit the bullet.

I’m now the proud owner of a Citi Prestige card.

I was worried about not being instantly approved online because I’ve heard that lots of folks with perfectly good credit have had their applications “denied,” then approved after a few days of waiting, which sounds stress-y.

So, a bit drunkenly but full of courage, I approached the Citi Prestige application.

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Citi Prestige: No Luck Getting a $350 Annual Fee In-Branch, and Why to Apply ASAP

by Harlan 21 Comments

a beach with palm trees and blue water

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Wanted to share my experience about trying to get a reduced annual fee on the Citi Prestige card.

Like lots of peeps, I’ve been kinda/sorta intrigued by this card for a while now. Today, I woke up and decided I’d go apply in-branch. Because I’ve heard some folks have had luck getting a $350 annual fee as opposed to a $450 annual fee, which is obviously awesome and preferable.

So I strapped on my little booties and walked down to the branch on 86th St in Bay Ridge, Brooklyn.

I waited to speak with a banker and started it off with, “How much is the annual fee on the Citi Prestige card?”

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Come in Houston, er, Dallas: Buying a House and a Move Toward FIRE

by Harlan 23 Comments

a city skyline with a highway and a large building

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Alternate titles for this post: Airbnb helped me buy a house in Dallas.

Most of y’all know I run a few Airbnb properties here in NYC.

Well, I’ve been ferreting away the earnings for a long while.

I’ve been using my Fidelity Cash Management account as a defacto business checking account, and my Aspiration Summit account to save up a down payment (and an AMEX personal savings account to pay Uncle Sam) because it has a sweet 1% interest rate.

My new empire state?

My new empire state?

I haven’t posted my Dallas hotel reviews yet, and I haven’t meant to be not as chirpy as usual, but here’s what’s been up.

Way back in August, I flew down to Austin (and actually posted my review of my Austin hotel, go me) for a work meeting. On the way back, I tacked on a few days in Dallas and started shopping for a place in Oak Lawn/Uptown.

Why?

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Swapping AMEX for Citi: Bye Platinum, Hello Prestige? And Bye, EveryDay Preferred, Hello ThankYou Premier?

by Harlan 47 Comments

a blue card with white text

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And, bye EveryDay Preferred, hello ThankYou Premier?

Recently, I’ve seriously been pondering why it is I hang on to my AMEX cards.

I’ve had at least 2 since 2012, and haven’t accumulated enough points to actually do much.

Membership Rewards… meh.

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Get Instant Access to Aspiration Summit, the Best Checking Account in America

by Harlan 13 Comments

a mountain with a blue circle and text

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Time Magazine just named Aspiration Summit the best bank account in America for 2015.

aspiration summit sign up

#1… I’d agree!

I’m glad I got in on the ground floor of this account. You can sign up too if you’d like!

About Aspiration Summit

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That AARP Membership You Just Bought? Save Money With AARP Discounts and Rewards

by Harlan 10 Comments

a man and woman holding hands

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So, how many of us are newly minted AARP members after that insane deal for British Airways Business Class?

AARP heats things up starting with the homepage

AARP heats things up starting with the homepage

I took a poke around the website and found some worthwhile member benefits that can more than make up the $16 spent to join – and this membership might be a good thing to keep!

AARP Rewards and Discounts

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Hotel Review: Hyatt Place Austin/Arboretum

by Harlan 5 Comments

a lobby with a reception desk and chairs

File this under “Writing about it before I forget it happened.”

First impression: Wow – there are a LOT of chain hotels in Austin. I… had no idea there were so many.

In fact, there are three Hyatt Place locations in Austin:

But I’ll focus on the last one.

We passed many, many other hotels on the way to it.

I flew down to Austin for a work meeting, and that’s what I did most of the time. So I didn’t get to enjoy the amenities of the hotel, like the pool or gym.

I kinda flew down, checked in, and slept there in the evenings. Which was fine. Here’s my take on it.

Arrival and check-in

Great! I was harried. I’d left my ID in the rental car, and was a mess of bags and random crap after traveling all day. But the desk agent could not have been more thorough or professional or welcoming.

My Hyatt Platinum elite status was acknowledged, and she asked which room I’d prefer. I opted for the bigger room on a higher floor near the elevator: PERFECT.

Hyatt Place Austin lobby

Hyatt Place Austin/Arboretum lobby

I got room 516 on the 5th floor, was given a wifi code, and was told about the free breakfast in the morning.

The room

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Booking Barcelona: A Hilton Points Dilemma

by Harlan 26 Comments

a room with a large ceiling and chairs

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It’s been a minute, but remember when I was tempted by the 75,000 Hilton points signup bonus on the Citi Hilton Visa? And then I went ahead and got it anyway?

OK, flash forward to now. I have the 75,000 Hilton points, and just booked a trip to Barcelona in January.

Those are all great things, so what’s the dilemma?

To Points & Money, or just money?

This is how life has been lately: I think one thing sounds good, then turn it over in my mind and convince myself of its opposite. Then repeat, like an annoying little hamster wheel of indecision.

Why stop now?

Here are my conflicting ideas.

asd

The setup

Within the image above are the raw materials for a room at the Hilton Barcelona in January. The options are:

  • The room rate at $150 a night, prepaid (AKA $935 for 6 nights after taxes)
  • 30,000 Hilton points a night (AKA 150,000 Hilton points for 6 nights with 5th night free)
  • 12,000 Hilton points + $50 a night (AKA 72,000 Hilton points + $310 for 6 nights)

Pros and cons

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Booking Barcelona: $747 Round-trip in AA Business Class

by Harlan 24 Comments

a colorful tiled rooftops of Park Güell

Like many peeps, I got in on the fantastic British Airways business class fares to Europe.

There were so many ways to stack that it was hard not to.

And, without a trip planned, I was starting to feel weird.

October is the time of year you have to be on alert for a really good deal. And you have to be ready to jump. I knew this one would be fast-moving, and man, it was.

Here’s how my flight plans came together.

1. Messed around with fares

These fares were not kidding around. I casually typed in JFK to BCN not expecting to find much. But wow. The prices were incredible.

Exhibit A

Exhibit A

JFK-BCN was pricing out at $436 round-trip in business class!

Exhibit B

Exhibit B

Literally every date I tried was turning out fares for ~$450, after the AARP and Avios discounts. Just insane.

Your pick of routes, airlines, and connections, too.

2. Gathered Avios/AMEX EFFED ME

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Tips to Get Started With Aspiration Summit Bank Accounts

by Harlan 39 Comments

a person holding a credit card

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My new favorite banking product has, over the last month, become the Aspiration Summit account.

aspiration summit account

Even the debit card is cool looking

But, getting started wasn’t exactly a cakewalk. So here are a few tips that’ll help you, should you decide to open this account for yourself.

What’s an Aspiration Summit Account?

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How to Use Mint.com to Track Your Minimum Spending Requirements

by Harlan 2 Comments

a hand pressing a button

Thought this might be useful for peeps who need to meet minimum spending requirements AKA all of us.

This requires you to have:

My daily jam

My daily jam

Then, you can use simple tools on the website to show you clearly how much you’ve spent on a certain card, to the cent, including pending transactions.

What’s Mint.com?

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