Author Archive: Geo

PSA: Activate Your 5% Bonus Categories for 2019 Q4 Now!

2019.9 Update: 2019 Q4 (Oct Nov Dec) categories are released! Many of you have credit cards that earn 5% back on bonus categories that rotate quarterly. If you are a Chase Freedom, Discover It, Citi Dividend, or US Bank Cash Plus cardholder, use the links provided below to activate your bonus categories indicated below: 1. Chase Freedom: Department Stores, PayPal, and Chase Pay https://creditcards.chase.com/freedom/activate The Chase Freedom…
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Hyatt Residence Club Coconut Plantation (Bonita Springs, Florida) – Trip Report

Introduction The Hyatt Residence Club (HRC) Coconut Plantation is located in Bonita Springs on Florida’s Gulf Coast. It is one of sixteen timeshare properties in the HRC portfolio, including one of five in Florida. Earlier this year I was solicited by HRC for a three-night stay at the Coconut Plantation wherein we would pay $262 including taxes and receive three…
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Hyatt Residence Club Coconut Point Timeshare Promo – Bonita Springs, Florida [TARGETED]

Introduction Earlier this year I received a promotional email from Hyatt offering a three night stay at the Hyatt Residence Club (HRC) Coconut Plantation located in Bonita Springs, Florida. For $262 including all taxes and fees, I would receive a $100 room credit or 10,000 World of Hyatt points and three nights in a one-bedroom king condominium. The catch? I’d…
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Amex Business Platinum Card Review (2019.9 Update: 110k Offer)

The Business Platinum Card from American Express Review 2019.9 Update: There is 110k offer in incognito mode now. 2019.7 Update: There is a 100k offer now. The spending requirement is high. 2019.2 Update: The new benefits ($200 Dell credit & WeWork membership) are available now. The annual fee becomes $595 now ($450 previously). Application Link AmEx Business Platinum 110k Offer,…
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Guide to the FICO Credit Score

Introduction A credit score is a three-digit number that represents “creditworthiness,” or the degree of perceived risk a lender is assuming by providing an individual with credit.  A credit score is generated through a statistical analysis of a credit report based on five primary factors, including payment history, amount of outstanding debt owed, length of credit history, types of credit,…
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Amex Business Gold Card Review (2019.8 Update: 50k or $500 Offer)

American Express Business Gold Card Review 2019.8 Update: There is a new $500 offer: earn up to $500 back in the form of statement credits by purchasing qualifying services with FedEx within the first 3 months. But I believe the regular 50k offer is more suitable for most people. 2018.12 Update: New benefits arrived. Previous card holders will not get these new…
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US Bank Altitude Reserve Credit Card Review (2019.6 – Enforcement of Anti-Churn Language)

[06.2019 Update]: Multiple readers report in the comments having applied for a second Altitude Reserve, meeting the minimum spend, but not receiving the bonus points. I just received a letter from a reader calling out each of his two card numbers as a reason for declining the 50,000 bonus points. At this point, I highly recommend not applying for a second…
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10k AmEx MR Per Account with Pay Over Time (Non-Unique Link + Offer Code)

  [2019/03/13 Update] – I just received another mailer for a Business Gold card with a new link to try if you have been unsuccessful enrolling thus far. AmEx is sending out physical mailers for a promotional offer where charge card holders can earn 10,000 MR points per account by enrolling in the  “Pay Over Time” feature. There are no additional…
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Guide to Shopping Portals: Earn Extra Cashback and Miles with Everyday Spend (2018.10 Update: Discover Deals Will Be Discontinued Soon)

2018.10 Update: Discover Deals will be ended on 2018.10.31. It was good especially for Apple stuff. R.I.P. Introduction Shopping portals provide a phenomenal way to earn extra miles and cashback while making online purchases through thousands of different vendors. From Wal-Mart, Best Buy and Amazon to smaller stores, you should never make an online purchase without first checking to see if…
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AmEx Platinum Card Review (2018.10 Update: 75k Offer)

The Platinum Card from American Express Review Application Link AmEx Platinum. Possible to see 75k offer with $5,000 spending requirement. Note that you have to use the incognito mode or empty the cache in your browser to see the 75k offer. If you can only see the 60k offer, please try a few more times. Now the offer differs by location, you…
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Ink Business Preferred℠ Credit Card Review (2019.8 Update: 80k Offer)

Ink Business Preferred℠ Credit Card‎ Review Application Link Chase Ink Preferred Benefits 80k offer: earn 80,000 Ultimate Rewards (UR) points after spending $5,000 within the first 3 months of card membership. We estimate that Ultimate Rewards (UR) points are worth about 1.6 cents/point, see below for a brief introduction. So the 80k sign-up bonus could be worth about $1280! If you…
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Miles and Points Valuations: Economics and Philosophy

Introduction Miles and points enthusiasts generally fall into one of two camps: luxury travelers and economy travelers. Because “value” is often tied to market price, the luxury travelers generally flaunt greater redemption values as they are able to spend a marginal number of additional points for a first class ticket or opulent hotel stay that has a substantially higher open-market…
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