Just the Tip(s)

Category Archives for Just the Tip(s).

Must-Haves of Travel: Activated Charcoal

by Harlan 9 Comments

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Activated charcoal FTW

Activated charcoal FTW

After reading an article by fellow Brooklynite Jenny on Healthy Crush about activated charcoal, I had to try it.

Activated charcoal is made by burning something carbon-based, like wood or coconut shells to remove all of the oxygen. What’s left is a highly absorbent material filled with millions of tiny pores that trap and bind gas and toxins and can carry thousands of times its weight.

That’s really cool.

It comes in capsules and looks like this:

Activated charcoal capsules

Activated charcoal capsules

Uses for activated charcoal

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List of AMEX Cards NOT Issued by American Express

by Harlan 13 Comments

UPDATE: One or more of these offers are no longer available. Click here to see the latest deals!

Spoiler alert. On this list, I find the FIA Fidelity AMEX to be the most valuable. I just love that card so much.

List of AMEX Cards NOT Issued by American Express

Thank you for being a friend – and for NOT being issued by American Express

And this post is gonna be focused on Serve.

Note: It is possible to send money between Serve and REDbird, or Serve and Bluebird.

So if you’re managing multiple cards, you can get a Serve card, load it up for $1,000 each month, and send it to Bluebird or REDbird to pay bills that normally don’t accept credit cards. Like student loans, utilities, mortgage payments, or anyone else.

List of AMEX Cards NOT Issued by American Express: 

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Cardmatch Offer: 30K Points for AMEX EveryDay Preferred

by Harlan 1 Comment

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The Points Guy posted about a couple of offers that came up on Cardmatch today:

  • 100K points for AMEX Platinum personal/biz
  • 50K points for AMEX PRG personal / Gold biz

And the commenters mentioned a couple of other offers.

What’s my offer?

So I headed to Cardmatch on CreditCards.com to see what came up… cuz I would’ve totally gone for the 100K Platinum biz offer.

I was targeted for the 100K Platinum personal offer, but I already have that card.

Then I scrolled down and noticed:

30K Points for the AMEX EveryDay Preferred

30K Points for the AMEX EveryDay Preferred

That’s a good deal!

I’ve written about the AMEX EveryDay Preferred card before.

I got the card with a 15K bonus over a year ago. Just paid the $95 annual fee on it and can say this one’s definitely a keeper (unlike the US Bank Club Carlson Visa Signature, Chase British Airways Visa Signature, and Barclaycard Arrival Plus).

I use the card as intended, mostly at grocery stores and Costco (for now), with a couple of other purchases here and there. (I use Amazon Allowance to help me meet 30 transactions per month to trigger 1.5 AMEX Membership Rewards points per $1 spent.)

I also wrote about my experience getting the card. It’s the only card I’ve ever been straight-up denied for. Until I called AMEX and asked WTF? and then they approved me anyway.

Bottom line

Along with the stellar offers for 100K points for AMEX Platinum and 50K points for AMEX PRG, add this one to the pool.

It’s double the usual sign-up bonus and is a very worthwhile card to have.

Check Cardmatch on CreditCards.com to see if you were targeted (under “Free Interactive Tools” on the right).

I’ve had the card for a year now and really recommend it. It has 0% interest for 15 months to start out, and you can always downgrade it to the no annual fee version after 11 months if you don’t like it.

Were you targeted for anything good on Cardmatch? Was your offer different? 

Bumped From a Flight? Get AirHelp.

by Harlan Leave A Comment

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Out and Out is starting a partnership with AirHelp.

AirHelp is an app for filing claims when you're involuntarily bumped from a flight

AirHelp is an app for filing claims when you’re involuntarily bumped from a flight

I’ll be doing a few posts for their blog where I’ll talk about travel tips and experiences beyond the usual points and miles stuff.

Check out my first post!: Travel Insiders: Travel on the Cheap with “Out and Out”

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Radius Bank + SmarterBucks isn’t gonna work for me (but could maybe help you)

by Harlan 3 Comments

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I was excited to explore this dark alleyway of the internet, because there are so few rewards debit cards left.

No bueno

No bueno

This one, through SmarterBucks and Radius Bank seemed like it was gonna be a doozy. But, unfortunately, it’s pretty worthless, for me at least. I’m gonna have to DTMFA.

I’ll explain.

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Upgrade Barclays Red Aviator to Silver Automatically Online

by Harlan 8 Comments

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If you’re interested in upgrading your Barclays Red Aviator card (not open to new applicants), it might be possible to do so directly in online banking.

View from the Wing reported that Barclays was slowly rolling out the upgrades, and listed some reasons why you may NOT want to upgrade the card.

To Upgrade or to Not Upgrade, That Is the Question

Me, I’m not gonna do it.

Because I have 10,000 American miles coming my way when I pay the annual fee again.

Here’s how you can tell:

Click "View Rewards"

Click “View Rewards”

And then…

Click "How my rewards work"

Click “How my rewards work”

There, you’ll see something to this effect:

I only get one round of 10K. But others get 10K EVERY cardmember year. They should NOT upgrade to Aviator Silver

I only get one round of 10K. But others get 10K EVERY cardmember year. They should NOT upgrade to Aviator Silver

I’ll get the 10,000 AA miles once and then consider upgrading to Aviator Silver.

But if you don’t see such language, you might consider making the upgrade now.

Check your account

In my account, the offer was on the right side, under Barclaycard extras:

Click to start, then 2 more clicks to upgrade to Aviator Silver!

Click to start, then 2 more clicks to upgrade to Aviator Silver!

It just says, “Upgrade your Account Benefits.”

When I clicked through, I was invited to upgrade to Aviator Silver.

Click "Tell me more" to proceed

Click “Tell me more” to proceed

After I clicked, I got a long list of details. Including that the upgrade would happen on August 7, 2015.

Page 1 of details

Page 1 of details

Page 2 of details

Page 2 of details

If I’d clicked “Yes, I accept,” the card would’ve been upgraded and the annual fee charged on November 30, 2015.

Should you do it?

I’m holding off to get my 10,000 AA anniversary miles. But if I didn’t have that coming, I’d definitely be tempted by this offer.

When you upgrade, you get:

  • 3X AA miles on AA flights
  • 2X AA miles on hotels and car rentals
  • 1X AA mile everywhere else
  • 5,000 EQMs when you spend $20,000 annually (can get up to 10,000 EQMs)
  • $99 companion certificate when you spend $30,000 annually
  • Free Global Entry (as a statement credit)

So this card is really only worth it if you have a lot of paid flights on American Airlines. Or if you want the opportunity to “buy” EQMs instead of fly to attain/retain status each year. Hey, 10,000 EQMs is 2 round-trip transcons! 

$195 is pretty hefty for an annual fee. But no other card earns 3X AA miles, which are extremely valuable (for now). If you can met the various spending thresholds, EQMs are very valuable, too. And the $99 companion cert if a nice bonus – if you can actually use it.

So it’s a personal decision for a niche crowd. Also consider this card is not available to new applicants. So if you can get it now, go for it.

Bottom line

Barclays is finally loosening the requirements to upgrade from Aviator Red to Silver. I was able to do it in 2 clicks directly in my online banking.

This is great news for a select set of people to whom this card caters.

But if you can wring the benefits out of it, like the EQMs, 3X AA miles, and $99 companion certificate, it would be well worth the $195 annual fee.

Do you have the option to upgrade? If you do… will you?

Is United allowing discounted 1-ways and stopovers on award flights?

by Harlan 5 Comments

I was poking around the United website and messing with the award search cuz duh that’s an awesome way to spend a Saturday night.

I noticed something weird. I’m not sure if it’s a glitch or pricing error or a legit award booking or what.

But I wanted to share it with you guys in case someone has a better answer.

Here’s what I found.

United is discounting First Class round-trip award flights with a one-way added

Here’s what I searched:

  • LAX-NYC-LAX (round trip)
  • LAX-IAH (after a stopover)

Pricing at 65,000 miles.

Now, United isn’t supposed to allow free one-ways or stopovers on domestic itineraries any more according to Milevalue (although you can still get a free one-way on international itineraries and mainland US to Hawaii award flights).

So following that logic, 50K is the standard price for a round-trip First Class award.

And a one-way would be 25K.

But instead of pricing as 2 tickets, it’s letting me book all 3 flights for 65,000 miles. A 10K discount.

Round-trip First Class award with a discounted one-way LAX-NYC-LAX-IAH

Round-trip First Class award with a discounted one-way LAX-NYC-LAX-IAH

It gets weirder when I mix cabins. A free one-way?

When I book the 1st flight in economy and the next 2 in First Class, the price it spits out is 50,000 miles.

That means I’m paying for 2 legs at the price of 25K for a First Class one-way.

But what about the leg in economy? It’s free.

A free one-way after a stopover on a domestic award booking?

A free one-way after a stopover on a domestic award booking with mixed cabins?

Also weird was that I was able to replicate the pricing with partner awards on European award flights.

When I looked into it, I can book something like:

  • AMS-CDG in economy
  • CDG-AMS in business
  • AMS-somewhere else in business after a stopover

It prices at 45,000 miles. 

Round-trip awards in business are supposed to be 60,000 miles.

Partner award flights are pricing weird, too

Partner award flights are pricing weird, too. Instead of 60K round-trip it’s 45K

So not only do I get a free one-way, but I get a 15K mileage discount, too.

What else is glitching?

This is as far as I’ve gotten. But I’m wondering if you can add the free economy one-way after a round-trip First Class award flight (I couldn’t find any examples… yet.)

FWIW, I can replicate the discount from the all-First Class example with all-economy flights, too:

This "should" price as 37,500 miles, but

This “should” price as 37,500 miles

But it’s more like a 2,500-mile discount.

On the beta website, it prices the 1st leg at 17.5K miles. And then the next 2 at 8.8K miles each.

a screenshot of a flight schedule

Same results on the beta site

Bottom line

I haven’t actually booked any awards, so it could all error out before the final pricing screen.

I tried to find info about this on the ye olde interwebs but couldn’t find anything, so apologies if this is old news.

It seems United is pricing 1-ways and stopovers as either free or with a discount. I can force this with partner metal, mixed cabins, and all-domestic itineraries.

Is this a known error… or a new glitch?

Anyone know anything about this? 

Must-Haves of Travel: Apple Cider Vinegar

by Harlan 17 Comments

a hand holding a small bottle of liquid

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Now I’ve really gone off the deep end, and am suggesting that you pack a spray bottle filled with… vinegar?

Yup!

I’ve written about traveling with coconut oil. I make sure to have a container of it with me every time I travel.

More recently, I’ve started taking a little spray bottle filled with apple cider vinegar.

Here’s why. 

Benefits of apple cider vinegar

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Targeted Citi AA Cardholders: 2X Miles in Bonus Categories / 10X Miles with Apple Pay

by Harlan 4 Comments

Just saw this and wanted to put it up.

Keep an eye on your mailbox. It seems Citi is targeting American Airlines credit card holders for bonus offers:

a close up of a card

Letter from Citi

Here are the deets: 

  • Earn up to 2,500 bonus miles
  • Earn 2X miles in certain categories (below)
  • Earn 10X miles if you pay with Apple Pay
  • Promo runs through 9/30/15

2X / 10X categories: 

  • Grocery stores
  • Gas stations
  • Drugstores
  • Restaurants
  • Commuter transportation

Couple of thoughts. Citi is going after Barclays in the promo department.

And they’re going after pretty much every other card with the categories. Including drugstores?

If you max out the 10X with Apple Pay, that’s only $250 in spend. So it’s not stellar.

However, Citi sometimes mixes up their promos and sends different offers out.

Did anyone else get one of these recently? Was your offer different? 

SmarterBucks & Radius Bank Unlimited 1% Cash Back Toward Student Loan Debt

by Harlan 1 Comment

In my exploration of new MS techniques, I stumbled across something else that could be potentially useful for some.

I’ve written about the whole PayPal debit card/My Cash/RadPad combo.

As you guys know, the PayPal Business Debit MasterCard earns unlimited 1% cash back in your PayPal account. It does work with RadPad and does NOT work with Evolve Money (in the sense that you’re charged a 3% fee for using it).

But some peeps don’t like the PayPal-ness of it all, as they’ve been known to shut down accounts after sending warning emails.

So enter…

SmarterBucks and Radius Bank

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Assessing the Benefits of FoundersCard

by Harlan 43 Comments

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Update: You can lock in a FoundersCard membership for $295 a year through May 13th, 2016 when you sign-up with my link. This is $100 less than the usual rate!

So you guys know I’m been working toward FIRE (financial independence, retire early) lately. And part of that means ruthlessly cutting out extraneous spend.

So far, I’ve gotten rid of my gym membership, canceled credit cards that no longer serve me, and have cut back on my eating out (more trips to Costco!).

FoundersCard Benefits

You can stay

FoundersCard is $395 a year, which is a little “ouch.” I’m nearly due to the pay the annual membership dues again to keep the card for another year and I looked at it with an eye to cut it.

But, I’m going to keep it for another year.

Here’s why.

The AT&T Benefit

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