Just the Tip(s)

Category Archives for Just the Tip(s).

Must-Haves of Travel: Sesame Oil

by Harlan 10 Comments

a dog lying on the floor next to a bottle of body oil

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When I was in Chicago in March, I wasn’t prepared for how cold it got. And, I’d forgotten my ultra-moisturizing coconut oil. (I also didn’t pack nearly enough layers, but that’s another story.)

In my quest for moisture, I headed to a drugstore for chap stick and… something. I didn’t want to get a huge container because my trip was only 5 days. I thought maybe they’d have a travel pack of coconut oil since it’s gotten so popular recently. No luck there, but they did have… sesame body oil? 

sesame oil

Curious little container

Once I got it back to The Drake, I popped open the little container and took a whiff. This stuff smells amazing. And I quickly learned a dab’ll do ya.

A quarter-sized amount in the palm is all you’ll need to cover yourself in the softest, sheerest moisture. Since that trip, I’ve added it to my arsenal as a supplement for coconut oil when I don’t want as much moisture.

Why pack sesame oil?

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Still Available: Ameriprise Amex Platinum Card, $0 the 1st Year and 1.25 Points per $20K Spent

by Harlan 17 Comments

a card with a card on it

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I wrote back in November how you can get an Ameriprise Amex Platinum Card with a $0 annual fee the first year. The fee on all personal Amex Platinum Cards has since gone up to $550 – but this deal is surprisingly still kicking.

Ameriprise Amex Platinum Card

$0 the first year and 1.25 points on purchases

Even better, you get 5,000 bonus Amex Membership Rewards points for every $20,000 you spend on the card. You can earn 30,000 extra points this way – so it’s good for up to $120,000 in spending each calendar year. You also still get 5X points on airfare and travel booked through Amex.

Get the Ameriprise Amex Platinum Card while you can

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Don’t Miss Out: Free Museums, One Month for 5X, Hilton Surpass 100K

by Harlan Leave A Comment

a collage of animals

Happy Wednesday!

Here are some deals still on the go – snag ’em while you can!

Through May 31st (today!)

June 3rd and 4th

Free museums

Free museums if you have a Bank of America debit or credit card. Only good for the cardholder and doesn’t include special exhibits. That said, there’s a participating museum in nearly every state, so check it out if you want some free culture this weekend.

limited time deals

Check out the Denver Zoo this weekend for F-R-E-E

Through June 30th

Get your 5X!

If you have Chase Freedom, get 5X Chase Ultimate Rewards points and drugstores and supermarkets on up to $1,500 in spend. Can activate retroactively and still get bonus points. Easy categories here.

The Boxed deal is back

a screenshot of a email

The Boxed deal might be in your Amex account

I wrote about how to save 50% on merchandise at Boxed with an Amex Offer. Instead of $15 back on $50+, it’s now $25 back on $65+. Still a dang good deal. Even better, you can tweet #AmexBoxed to add it to your synced card even if you weren’t targeted.

2X SPG points

Doctor of Credit has the details. You get 10,000 bonus SPG points for spending $10,000 on your Starwood business Amex through the end of June. So, 20,000 SPG points on $10,000 in spend = 2 SPG points per $1 spent. Great deal if you’re targeted – worth checking.

Bottom line

Get ’em while they’re around. Any other good ones to share? Let me know and I’ll add ’em!

Added My Brother as an Authorized User – His Score Went up 100+ Points in a Month!

by Harlan 19 Comments

a screenshot of a phone

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When my little brother (he’s 24) told me he wanted to get a place with his girlfriend – their own place – the first thing I asked was, “How’s your credit?” because I knew they’d check.

authorized user

Last month, his score was 586

He didn’t know. When we checked, his score was a dismal 586. It wasn’t because he had bad credit. But because he had no credit at all. Literally, zero accounts ever in his life.

I think I have 30 credit cards by now (?), a paid-off auto loan, and about to have two mortgages. With regard to my brother, hopefully I’ve helped create a path to his own points and miles journey.

But first things first.

Address matters when you add an authorized user

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Plastiq Rent Payments With US Bank Altitude Code as Travel but Do NOT Earn 3X

by Harlan 31 Comments

a screenshot of a computer

On May 1st, I got the US Bank Altitude Reserve card – the first day it was available.

I wrote how payments with Plastiq coded as travel with the Chase Sapphire Reserve card (lots of peeps on Reddit confirm this, too). So I was hoping that would be the case with the US Bank Altitude Reserve. Especially because the minimum spending requirement is $4,500 – that would’ve been a nice points haul at 3X.

us bank altitude

The merchant code gave me hope for 3X

And the charges did code as travel. But my statement just closed and I only got 1X point per $1.

This US Bank card and the Chase Sapphire Reserve are both Visa cards. So while it doesn’t work for the former, I’m hoping it will still earn 3X with the latter for a while longer.

Here’s what I found.

A charge that codes as travel but didn’t earn 3X

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Cool! Some Plastiq Payments Coding as 3X for Travel With Chase Sapphire Reserve

by Harlan 48 Comments

a black credit card with silver text

It looks like some payments with Plastiq are triggering 3X points per $1 with the Chase Sapphire Reserve card. Apparently, rent or mortgage payments are coding as “lodging/travel” and appear as “travel” – which is a 3X category.

I made a $30 payment toward one of my Airbnbs and didn’t change the category in Plastiq – I left it marked as a rent payment.

chase sapphire reserve plastiq 3X

I sent the payment as “rent, mortgage, and real estate”

And when I checked today, it had cleared and earned 90 Chase Ultimate Rewards points (3X).

SWEET

SWEET – 3X

If you have rent or mortgage payments, it would be worth it to use your Chase Sapphire Reserve card, even considering Plastiq’s 2.5% fee.

By the numbers

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Easy Win: Do the Dollar Shave Club Amex Offer and Get Some Free Stuff

by Harlan 4 Comments

a group of body care products on a counter

So there’s a semi-complicated new Dollar Shave Club Amex Offer that you can approach in a couple of different ways.

Whichever way you wanna slice it, it’s extremely worthwhile because you end up with free stuff. If you have this Amex Offer in your account, there’s absolutely no reason why you shouldn’t get in on this.

Dollar Shave Club Amex Offer

Shave wit me

I’ll break it down and help you decide which route you should go, should you be a human who removes hair with a razor or bathes, and have this Amex Offer. Even if you don’t, read on.

Dollar Shave Club Amex Offer

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Get $25 With New Accounts at Giving Assistant, Ebates, and BeFrugal Shopping Portals

by Harlan 3 Comments

a close up of a button

When you shop online, always always click through a shopping portal to earn extra points, miles, or cashback.

I personally use Cashback Monitor to find the best payouts before I shop anywhere.

shopping portal bonus

Da best

I usually like to earn Alaska miles or Chase Ultimate Rewards points for online shopping. But occasionally, cashback offers are simply too good to pass up.

And competition is fierce. So much that they’ll sometimes give you free money to sign up and use their portals.

BeFrugal is a new one for me

BeFrugal is a new one for me

I thought I’d round up 3 cashback portals where the initial bonus might be worthwhile for a little shopping. And tell you what’s required to get the bonus AKA the cash in your hot little hand.

Note: I get cashback when you sign up for these portals, too. Thank you for using my links!

Get a shopping portal bonus

These bonuses are for NEW sign ups. If you’re an old-timer to points and miles, you likely already have accounts with all of these portals. In that case, check out my backlog of Every Single Out and Out post! 😉

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Join Me at FinCon 2017 in Dallas with Limited-Time $249 Passes

by Harlan 6 Comments

a group of tall buildings

I read a lot of personal finance blogs. Increasingly, they mention “travel hacking” AKA what we do on the daily as a way to travel cheap.

And it’s true – I see the parallels between the 2 niches. Especially if you’re using the money you save on traveling and put it in a retirement account. WHICH YOU ALREADY DO, RIGHT? 😉

So when I learned FinCon will be in Dallas this year, I couldn’t think of a single reason not to attend – expect for maybe the cost of the pass.

When I looked, I saw the basic passes were only $249 until February 14th, 2017. Then they’d go up to $469.

Be a Super Early Bird and Come to FinCon for $249

Be a Super Early Bird and Come to FinCon for $249

I whipped out my card faster than you can say “points and miles” and bought a pass without a second thought. And you should come, too!

Why attend FinCon?

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Confirmed: FoundersCard Gets You Total Rewards Diamond Status Through 2018

by Harlan 21 Comments

a close up of a sign

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I’ve written a lot about FoundersCard over the years.

One of their cornerstone benefits since 2014 has been free Caesars Total Rewards Diamond elite status.

Thankfully, it’s made a comeback every year. Including this one!

Total Rewards Diamond Status

Yes! FoundersCard’s best benefit returns for another year

You can get Total Rewards Diamond status through January 31st, 2018 – nearly a full year.

The bad news is FoundersCard currently costs $495, plus a one-time $95 fee, if you’re new.

as

Been better, been worse

However, if you have a trip to Vegas in the near future, it could be worth it anyway.

What you get with Total Rewards Diamond status

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Kohl’s Deal Results: What I Learned & How It Turned Out

by Harlan 18 Comments

a group of boxes on a wood floor

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A few times per year, Kohl’s sells small kitchen appliances at a steep discount. With card category bonuses, shopping portals, promo codes, and rebates, it works out to better than free – especially if you can resell them. It’s the ultimate in deal stacking.

I ordered 40 appliances. (Do I sound crazy yet?)

kohl's deal results

“What have I gotten myself into now?”

While I’d love to say the whole thing went off without a hitch, that’s not exactly true. Here’s what I learned about stacking. And how it all turned out.

Stacking is like jenga

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A Scary Moment at the Hyatt Zilara Cancun

by Harlan 11 Comments

a lifeguard tower on a beach

I wrote my review of the Hyatt Zilara Cancun and how I’m an honorary Roman for how much I feasted there.

But there was a moment that was terrifying.

The beaches have markers every 100 feet or so, color-coded green, yellow, or red. They swap them out throughout the day and are intended to let you know how dangerous it is to swim in the water.

Jay and I got into the Gulf of Mexico in a yellow zone, next to a red zone. We were laughing and talking and suddenly heard a whistle that we’d gone too far. Jay swam away. But I had trouble moving – every time I made progress, I was pulled deeper into the water. And it was over my head before I knew it.

There was another guy next to me (and lots of peeps a few feet away) so I didn’t think any of us were in any real danger. I asked him if he was having trouble, too. He nodded. “We need help.”

“Yeah. We need help.” So we both started waving to the lifeguards on the shore.

Hyatt Zilara Cancun Index

Travel safety above all

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