About Harlan

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

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Airbnb by the Numbers: Q1 Update

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A few of you guys have asked for an update on my Airbnbs. There is a strong, thriving, and supportive community of Airbnb hosts here in NYC that I am happy to be a part of. My original articles about my foray in Airbnb were meant to analyze the financial investment/business sense behind setting it up, and were met with a good amount of interest. I received some messages spurred by curiosity, some seeking advice, and others that were downright nasty (which is fine).

The atmosphere surrounding Airbnb in New York is definitely a hot topic, and I deal with that on a daily basis. For the purposes of this article, I’m gonna treat it as I do daily: as a business, by a passionate traveler for other passionate travelers.

Tax time

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My Best Advice: Form a Habit Loop

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Cue-->Routine-->Reward

Cue–>Routine–>Reward

Without a doubt, one of the best ways to earn points is to take advantage of category bonuses. Another way is to shop online through a shopping portal. But at first, you have to train yourself to always be maximizing.

My habit loop

For Cue–>Routine–>Reward, I have:

Point of purchase–>Card selection–>Extra points at the end of the month.

It’s insanely simple to learn, easy to apply, and effortless to keep up after you practice it for a while. But the hardest part, like making any new thing a habit, is starting up.

It takes about 2 weeks of focused effort to make something a habit.

Another way to think of “point of purchase” is “any time I grab my wallet/purse/credit card”.

For card selection, I think:

Where am I?

What category is this?

OK, use ______ card.

For example:

  • Grocery store / Groceries / Chase Freedom (this quarter) or Amex EveryDay Preferred
  • Staples / Office supplies / Chase Ink Plus
  • A Hyatt hotel / Travel / Chase Hyatt Visa
  • A gas station / Tas / Chase Ink Plus or Amex EveryDay Preferred
  • Restaurant / Dining / Chase Sapphire Preferred (will be Chase Freedom though April-May)
  • Local boutique / General shopping / Right now, the US Bank Club Carlson Visa or the Barclays US Airways MasterCard because they’ve both given me spend bonuses
  • Anywhere, when I’m meeting minimum spend / Doesn’t matter / The card I’m meeting the spend on – this one overrides everything else, as meeting minimum spend is the exception to all rules

For any online shopping, I do the same thing, except I check a couple of portals for the highest payout. Before I pull my card out, my habit loop is to both find the portal with the highest payout and to use the best card for the purchase (the Shop Through Chase and Barclays RewardsBoost portals have always been very good to me).

<3

<3

It all adds up. 

I find myself thinking, often, “Oh, it’s only a couple hundred points.” But for all the times I think that, those few hundred points start to add up to thousands. And with 5,000 Ultimate Rewards points, for example, I can really start to use those in a significant way.

Other habit loops

You can apply the same simple formula to literally anything.

  • Working out more
  • Waking up earlier
  • Eating healthier
  • Establishing a routine/time management
  • And even to earning more points

It’s amazing how much humans are creatures of habit. Something like 90% of our typical day is all things we’ve learned as habits. That’s why habits are so ingrained. But old habits can be replaced, and it’s really not that hard.

Identify the cue, alter the routine, enjoy the reward. 

With regard to our hobby, the reward is more points. More points equal more trips. More trips mean more memories. More memories lead to rich lives.

Bottom line

It took me a solid month when I was first starting out and filling up my wallet to set the intention to focus on which card I used.

My go-to was the Chase Sapphire Preferred for a long time. Then it was the US Bank Club Carlson Visa. Then the Amex EveryDay Preferred. I had to make a system for myself to avoid confusion, and within that system, I realized I had the tools to work smarter instead of harder – and to increase my points balances at the same time.

I enjoy healthy points balances while I am earning, then I burn them. It’s part of having a goal in mind.

For the master of habit loops, check out Charles Duhigg’s website and also his book, “The Power of Habit“.

What other habit loops are useful for travel? I would also love to hear about other internal systems and mental tools regarding our hobby.

What to Do in Iceland: West Coast

clouds over a green field

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Ice stripes. Continental divides. Knife-edge cliffs. Mysterious glaciers shrouded in clouds. 

And the west coast of Iceland isn’t even my favorite part of the country.

Ice stripes in spring

Ice stripes in spring

Writing about Iceland is an emotional experience for me, as I have been to the country over a dozen times and still find new reasons to visit. I feel a kinship with the earth there that I find nearly impossible to describe. It’s really only a feeling, and one that I continue to revisit.

The west coast is very much an enigma for a lot of reasons:

  • It’s easy to get to from the east coast of the US
  • It contains a lot of the history and most of the population and culture of Iceland
  • The variety of nature is stunning
  • Most of it is within a days’ drive of Reykjavik, the world’s northernmost capital
Snaefellsjokull - a very magical glacier

Snaefellsjokull – a very magical glacier

For this article, I consider the “west coast” of Iceland to include the peninsulas of Reykjanes and Snaefellsnes and the area in between, with the exclusion of Reykjavik (it deserves its own post). The Westfjords also deserve their own post.

Taken on my first visit to Snaefellsnes. I was 22

Taken on my first visit to Snaefellsnes. I was 22

The highlights I want to focus on for western Iceland are Snaefellsjokull, on the Snaefellsnes peninsula, and the Blaa Lonid (Blue Lagoon) region on the Reykjanes peninsula.

The area in between contains the “Golden Circle”: Thingvellir, the site of the oldest parliament in the world, Geysir, the famour geysir, and Gullvoss, a magnificent waterfall. But for the Golden Circle, you can simply stay in Reykjavik, which I will cover later.

The "west coast"

The “west coast”

Arrive

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Hotel Review: Hyatt French Quarter New Orleans

a lobby with a couch and chairs

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After leaving the Hyatt Regency New Orleans, we grabbed our bags (well, I grabbed my Tumi T-Tech) and wheeled them over to the Hyatt French Quarter.

Hyatt French Quarter exterior

Hyatt French Quarter exterior

Checking in

It was the height of Mardi Gras. The day before Fat Tuesday.

All of the hotels were on a wristband system and checking them at the door. And the staff at this location could not have been any more welcoming or gracious. Especially Magen (hope I spelled her name right). She was at the check-in desk and consistently provided amazing hospitality service at every turn. Kudos to the check-in staff here!

As soon as we wheeled through the door, the concierge at the door verified that we had a reservation, and we were able to walk right up to our room within minutes. It was one of the best check-in experiences I’ve had at a hotel: fun, quick, welcoming, and thorough. Really, they couldn’t have done a better job, especially considering it was a holiday in the city.

Upon walking in, I noticed the beautiful decor, the wine bar and breakfast/cafe area, and the fact that this is a small boutique hotel of only 4 floors (a far cry from the 30+ floors at the Hyatt Regency from earlier that morning!).

Upon walking through the doors

Upon walking through the doors

View of the lobby

View of the lobby

Powdered Sugar, the cafe/breakfast area

Powdered Sugar, the cafe/breakfast area

Seating inside Powdered Sugar

Seating inside Powdered Sugar

Batch, the wine bar/cocktail lounge

Batch, the wine bar/cocktail lounge

Hotel directory - only 4 floors

Hotel directory – only 4 floors

The room

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New Barclays AAdvantage Aviator MasterCard: Will you still get the 10,000 mile anniversary bonus if you upgrade?

The new Aviator Red MasterCard

The new Aviator Red MasterCard

I wanna dig into this a little, in part because it’s a topic I don’t know the answer to (spoiler alert!), and in part because I would like to upgrade.

As part of Barclays’ discontinuation of the US Airways credit card products, they’ve sent out materials for which version of the Aviator existing cardholders should expect to receive.

I was selected to get the AAdvantage Aviator Red MasterCard.

Barclays' mailed communication about the product change

Barclays’ mailed communication about the product change

Note that they mention the 50% bonus miles promo at the bottom of the page.

They also included a page of FAQs:

Aviator Red FAQ page

Aviator Red FAQ page

But what about the anniversary bonus?

I’ve done a little digging, and Barclays has confirmed that cardholders will continue to receive the 10,000 mile anniversary bonus if they keep the product they are selected to receive. Which is great news. (I barely eked my way in at the last minute into the card with the 10,000 bonus miles.)

But what about if you want to upgrade from Red to Silver? That’s where the murkiness is coming in, and I’ve read reports that if you upgrade (or downgrade) from what’s been pre-selected for you, you will forfeit your 10,000 mile anniversary bonus. Which is not-so-great news.

The other side of the coin is that since this product is so new, and in fact hasn’t even been sent out yet, we still don’t know exactly what will happen.

So here’s my dilemma.

I want the Aviator Silver

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Barclays Rewards Fan Zone: Earn 500+ FREE Arrival+ Miles

Barclays Arrival+

Barclays Arrival+

Note: this may be a targeted offer, but definitely worth it to see if it’s on your account. 

Barclays is now offering the “Rewards Fan Zone” where you can earn extra Arrival+ miles by completing various (easy) “activities”.

Rewards Fan Zone

To see if you’ve been targeted, simply check your Arrival+ card on the Barclays website. Here’s what showed up for me:

Barclays Arrival+ Rewards Fan Zone

Barclays Arrival+ Rewards Fan Zone

After you log in to the Barclays website, navigate over to the “Barclaycard extras” tab to see what shows up for you.

I was on the cusp of 5,000 Arrival+ miles, and the activities chosen for me to complete were enough to put me over the edge for my next $50 award redemption, with absolutely no spend required.

Rewards Fan Zone interface

Rewards Fan Zone interface

A couple of my tasks

A couple of my activities

As you can see, the activities are super easy to complete, and really only take a second or two per task:

My activities

My activities

It’s stuff like connecting your Barclaycard to social media, following them on Twitter, watching a short video, etc. The miles posted instantly, right after I completed each activity.

My Rewards Fan Zone activity

My Rewards Fan Zone activity

Bottom line

Nothing major, but you can get an extra few bucks worth of travel redemptions for clicking a few buttons.

If you’re on the cusp of your next award redemption, it’s totally worth it to check to see if you’re targeted for this.

More than anything, I’m glad Barclays is continuing to offer enhancements on the Arrival+ cards like:

I’m curious to see what else they continue to roll out for this card and for the new Rewards Fan Zone to make it competitive within the rewards card industry. That curiosity has been my biggest driver for keeping this card as long as I have (along with a great retention offer).

Kudos to Barclays for continuing to innovate in a crowded market, even if it is only for a few extra hundred miles. I’m looking forward to seeing what they roll out next.

Was anyone else targeted for this? Are your offers better than mine? Would love to hear if offers differ from what I’ve posted!

I’m dumping the Chase British Airways Visa – and you should, too

For a long time, the Chase British Airways Visa has offered 1.25 points per dollar on non-bonus spend.

But starting April 30th, 2015, the card will become worthless. And you should dump it.

Rest in pieces

Rest in pieces

I’ve seen a lot of other bloggers saying how you can still get 50,000 Avios, without paying the annual fee of $95 the first year, and that the card is still worth it for that reason alone. No.

Dump it

I’ve long been a supporter of the Chase British Airways Visa. I’ve even toyed with the idea of putting $30,000 of spend through the card to trigger the Travel Together companion certificate, despite the outrageous (!!!) fuel surcharges. I even researched Fifth Freedom flights, in part to defend the usefulness of Avios.

But this new earning structure, combined with the changes to their business/first class award redemptions, renders the card completely useless.

In fact, many other cards offer better earning rates for British Airways Avios:

  • The Chase Ink Plus will continue to offer 5 Avios (Ultimate Rewards points) per dollar on office supply and telecommunication spend
  • The Chase Sapphire Preferred will continue to offer 2 Avios per dollar on all travel (a very broad category already) and dining (also very broad)
  • The American Express EveryDay Preferred will offer 4.5 Avios (Membership Rewards Points) per dollar on all grocery spend up to $6,000 per year (after 30 transactions per month), 3 Avios per dollar on gas, and 1.5 Avios on all other spend – this alone beats the socks off the Chase British Airways Visa – and it has the same annual fee (!)

Other thoughts

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Today: Club Carlson’s #HashtagHotelPromo on Twitter!

Tweet tweet

Tweet tweet

Today, March 19th, Club Carlson is hosting an “exclusive Twitter party” from 11am-11pm Eastern time.

Per Club Carlson:

Promo info

Promo info

Anyway, it’s starting right now and goes all day. It might be worth following Club Carlson on Twitter and checking in throughout the day. Who knows, you might win some Gold Points or other goodies.

Last time Club Carlson had a Twitter promo, the hashtag was a trending topic for most of the day. I fully expect that to happen again today. Keep an eye out for #HashtagHotelPromo.

Bottom line

I love the Club Carlson program and find a ton of value in it consistently, especially in conjunction with the US Bank Club Carlson Visa.

Have fun with Club Carlson’s all-day promo today! Hopefully you win some prizes. I will be checking in here and there – love fun promotions like this!

Analyzing Analytics (and really loving it)

Intro ramblings

I have a few really disjointed thoughts that I’ve been wanting to make cohesive for some time now. I am here today to tell you that they are still not cohesive, nor are they taking any particular form, but I want to write them out anyway.

My favorite blogs are the ones where I can feel the emotion behind the blogger’s post. Writing from the heart is always the purest, and I’ve never been one for banging out posts just for the heck of it (although I agree I could use some discipline with regard to my blogging). A blog I’ve been loving recently is Healthy Crush. Jenny’s tone always strikes something so completely… right… that I find myself nodding along, glued to every word. Reading her posts is fun for me, because I can tell she writes from the heart. And I want to do that, too – my own version of it, of course. (Shoutout to Jenny, another Brooklyn blogger! #BK4Life)

With regard to travel, I’ve always loved reading Rapid Travel Chai. The passion comes through. And the photos…! Stefan is a passionate traveler, and I love reading his takes on unique places in this big world.

More ramblings

With Out and Out, I want to talk more about the destinations I visit, how I get my points, and how I use them – instead of hypothetical uses (although sometimes it’s fun to dream about where you can go with points!).

I have more than enough points for another RTW trip right now. More points than time to do it. So I’m limited to short jaunts. I’ve also been working like a maniac and have been gifting a lot of trips to my friends with my own points and miles. I still kinda feel like I’m always “proving” the value of points and miles within my circle, and what better way than to send someone you love on a free trip?

I will say that the manufactured spend landscape, the one that is growing more dismal by the day, has been discouraging – especially in New York City. I can’t load up REDbird, Serve is getting limited, PayPal cards are still possible but certain CVS locations give me a hard time, etc. But I focus on the positive, and do what I can. Something else will pop up soon enough.

Category bonuses have been a boon. Gift cards from office supply stores, dining on one card, phone bill on another, unbonused spend on yet another. Portal bonuses, order as much online as possible, along with some lucky targeted bonuses, have combined to keep my points balance relatively high. (All things I covered in “How to Keep It Going” in my “NEW?” series.)

And now, analytics

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Earning Points with Serve Reloads After April 16th

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I haven’t fallen off the earth or anything like that. Real estate in NYC is heating up, and my past few days have been pretty crazy with gearing up for the busy summer season.

I still intend to post the remaining 2 reviews from my recent NOLA excursion and have a few other things in the pipeline for ol’ Out and Out. And of course I’ve been keeping up with the latest points and miles news.

And here is a post in which I clutch at straws.

REDbird Part 2

Boo hissss

Boo hissss

After having a terrible time reloading the REDbird card at my local Target in Brooklyn, I brutally dumped it and opened a new Serve account.

So, I was pretty dismayed when I found out they were going to restrict credit card reloads to only include American Express cards starting April 16th.

“Manufacturing spend” in New York City is already hard enough, and this is definitely an added blow. But there are 2 things I can find here that still might make Serve worth it for some people.

1. Even without earning points, this is a great way to pay bills that would not otherwise accept credit cards

2. There are at least 2 Amex cards that are NOT issued by American Express that may still earn points

The first point. Although there are better ways to pay rent than with Serve, if you need to float your payments through a charge card for a month or so, you can still use your Serve account to pay your bill and give you a little extra wiggle room, which could help a lot with cash flow from month to month.

The second point. It is up to the individual card issuers about whether or not to issue points for a purchase. American Express has decided they will not issue points for their own credit cards. But what about Amex cards that are not issued by American Express?

FIA and Citi + others

Two that I can think of right away are the FIA Fidelity Amex and the Citibank Platinum AAdvantage Amex. Both banks do not currently impose cash advance fees for Serve reloads (someone correct me if I’m wrong here), and both banks should continue to issue points since the reloads code as a purchase.

American Express may not give you points, but FIA and Citi still might. And this might continue to be a good way to get either 12,000 AAdvantage miles per year for minimal effort or $240 free dollars contributed toward an IRA with Fidelity.

Then, going back to the first point, you’d still earn miles and/or points for loading up your Serve card, and then can pay rent, student loans, mortgage payments, etc. to merchants who wouldn’t otherwise accept credit cards.

List of Amex cards not issued by American Express, by issuer

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My Best Advice: Stay Scrappy

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Stay Scrappy

Stay Scrappy

scrap·py

ˈskrapē/
adjective
  1. consisting of disorganized, untidy, or incomplete parts.
    “scrappy lecture notes piled up unread”
  2. NORTH AMERICAN informal
    determined, argumentative, or pugnacious.
    “he played the part of a scrappy detective”

I’ve always liked the idea of a signature sign-off phrase. Something like, “Stay class, San Diego!” from Anchorman, but, you know, mine.

I’ve read a few articles lately about grit, getting gritty, and what gritty means. I like all of the concepts – mental toughness, determination, stick-to-it-iveness, but the word “grit” just doesn’t resonate with me for some reason.

A word that does is scrappy.

Get scrappy

This doesn’t mean combative or mean, but it does mean to stop letting people push you around – something that took me a long time to really understand. It means to stand up for yourself, and it means to live life with a certain willingness to make it through any situation. But how do you get it?

Like anything, you can teach yourself. It’s nothing more complex or simple than a mindset. It’s giving meaning to a word and then resolving to embody the meaning of that word. It’s imbuing intention into your actions. And it’s putting new actions into places to replace old actions – forming a new habit loop.

In the travel industry, and with regard to our shared passion for travel, it means so much more than that, though. Our common thread here – why you’re here, why I’m here – is travel. Being scrappy with regard to travel is a step beyond “go go go.” You must go to a place when you can, but when you get there, you must remain open to change. If you’re not changing, you’re not progressing. Progress, learning… it’s all change. A little bit every day.

Scrappy in this regard – what I consider it – is having the gumption to look out for yourself, to put yourself into situations that require real critical thinking, and to come out fighting (in a good way) on the other end. It’s prioritizing your travel goals and doing what it takes to check off items off your list.

Stay scrappy

Buy those mistake fares, burn those (Sky)miles, and be willing to rearrange your schedule to suit your decisions. With us, it’s choosing to put travel first, to make career and lifestyle decisions because of it, even to design everything around the intention to travel as much as possible. Those are bold choices, and anything bold will have naysayers. But us scrappy folk know when to listen and when to press on. That is an inherent quality of scrappiness.

  • It’s staying playful and exploring with a sense of wonder.
  • It’s having your own style of approaching new opportunities.
  • It’s staying cool when plans change.
  • It’s also being a little feisty and being willing to test new waters (like manufactured spending).

I love Urban Dictionary’s definition:

“Someone or something that appears dwarfed by a challenge, but more than compensates for seeming inadequacies through will, persistence and heart.”

Bottom line

I’m trying to focus on the positive connotations of the word “scrappy” and meditate on it a little. I’ve often come here to work out my ideas about travel, and this is another one that I’d like to continue working on.

However, even in what feels like a semi-formed state, it’s something that I do consider to be “my best advice”. And dissecting semantics is always such a personal thing, anyway. But whatever the word means to you, do that and be that. Or, if you need to, like me, find a word that has meaning for you. And then embody that word. For me, “scrappy” meant more than “grit.” And when I’m in a situation (that I put myself in) that requires a hard decision, diamond-hard toughness, or calling on my inner strength in a really big way, it’s become my mantra to myself.

So I’ll sign off with that: stay scrappy. And as always, thank you so much for reading.

Do you have a word or phrase that keeps you focused? Do you feel like travel pushes your boundaries as a person (and isn’t it great)?

Get Me to NOLA – Part Three: Get Me Out of NOLA

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When last we left this saga, I’d made it to New Orleans. US Airways fulfilled their carriage contract and got me to my destination safely, which is all I ever want, really.

What this little “series” is mostly about is the way US Airways/the “new American” handled not just one situation (which I would’ve totally overlooked), but several, in a row, and how that reflects on their overall operations and company culture. That is really at the root of what I’m attempting to get at in what is hopefully a snarky, self-deprecating, maybe even funny, way.

This particular entry showcases my lack of forethought on this whole topic right in the title. I expected to write a one-off post, but when I started going over 1,100 hundred words I was like, holy crap, this is serial – and left the original title.

The Tumi T-Tech saw it all

Shoutout to the Tumi T-Tech that saw it all

Anyway, the return flight from MSY-CLT was fine (how’s that for anti-climactic?). We got to the airport extra early this time, as I wasn’t sure what US Airways had really done with my return flights – I’d be reticketed and reassigned and transferred so many times, I didn’t even know what my confirmation number was any more. Plus, I didn’t want to chance it (again).

I was still a little miffed about losing a layover at DFW – I really wanted the EQPs and to visit the Centurion Lounge again – but I had to miss out on all of that.

This segment was so by-the-book that it was nearly forgettable, which, in this case, is a good thing. Because I remember all of the other segments too well, unfortunately.

In fact, when I got to CLT and to the Admirals Club (see my review here), I kinda had the feeling that it was almost too easy, purely based on my previous experiences with US Airways.

And then the delays starting rolling in.

Air traffic

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