I did it! My first Business card!

Finally!

I have long been jealous of the bloggers and travel hackers who get so many extra miles and points by getting business cards.  Unfortunately, stay at home moms do not qualify as “business owners” because nobody actually pays us for our services.  (hmmmpf)

Several years ago, I was a Realtor and could have easily gotten multiple business cards for my real estate business.  But I was not into this game then and let my license expire back in 2007.

So, here I sit, letting millions of miles pass me by because I do not have a business.  But do I?

I live in a subdivision that has a community clubhouse that residents can rent out for parties and meetings.  I am in charge of renting the clubhouse and BUYING SUPPLIES for it.  I am paid a modest fee for every party that I book.  A modest fee, yet still a fee.  I am sent a 1099 tax form every year by the HOA and I have to pay taxes on that modest money that I earn.  Do I have a business?  I thought I might.  So a couple years ago, I applied for a Chase Ink card using that business description.  I was denied.  That broke me.  I was scared of Chase then and stayed away from them until my recent Chase Sapphire Preferred card.  Not sure what went wrong with the Ink card.  Maybe they didn’t like the fact that I only made about $2,500 a year and spent less than $100 a month on supplies.

Gatekeeper Paranormal

 

For several months now, I have been getting letters from American Express OPEN Business credit card, addressed to Gatekeeper Paranormal.  I have no idea how they got our name and my address linked to it.  But they did.  We do not charge a fee for our services so we are a “non-profit”,  but have not registered as such because that costs money and if we don’t make money, we don’t have money.

Recently we started working with Bobby Mackey’s Music World.  This has given us a good deal of exposure and as such we have started investing more in our “business”.  Ordering t-shirts and banners, buying new equipment and vendor tables at conventions.  Unless we get our own “Ghost Hunters” type TV show, we are not going to make much money doing this BUT we are making a small amount and still putting out money and providing a service.

The American Express OPEN card was offering me 50,000 Membership Rewards points for spending $5,000 in 3 months AND an additional 25,000 points for spending another $5,000 in the same 3 months.  That’s A LOT of spend.  Especially considering I want to apply for new Marriott Premier VISA cards this month.

I really need some Delta miles though! I want to go to Europe next summer (!) in business class and I only have 310,000 SkyMiles.  (I need 375,000.  which is ridiculous. but it is what it is)  So I started looking at some other business card offers this morning and saw that the Delta SkyMiles Gold Business card was offering 50,000 miles for spending only $1,000 in the first 3 months!  Wow.  If I had to, I could BUY the remaining 15,000 SkyMiles for about $500.  But hopefully I can manufacture some spending in the next month to lower that significantly.

I was nervous, but I applied for the card using Gatekeeper Paranormal information.  It was quite painless actually.  They asked what kind of business and I marked “other”.  They asked my annual income and provided a drop down box where the first option was “$0-$49,999”.  OK.  That’s honest.

60 seconds later:

first biz card

 

Wow.  I was over the moon.  This opens up a whole new world for me!

And that brings me to this blog.  Most of the BIG guy bloggers have affiliate links for credit cards and make a nice little commission every time somebody clicks on one and is approved.  (I just gave Million Mile Secrets some money this morning.  You’re welcome.)

I do not have any such links and I honestly have no idea how to go about getting them.  Part of me doesn’t want to pimp credit cards all the time and another part of me doesn’t want the banks controlling (or trying to control) my content.   But the opportunity exists that I could get affiliate links.  And of course I want to make money.  So even if I don’t have any now, I could apply for a business card for this blog with the intention of getting paid for advertising credit cards.  I could.  But should I?

So apparently I have 3 businesses that technically should each be eligible for their own business credit card.  Will I do that? I doubt it.  But I will be exploring the business side of this game a bit more now.  I’m still very conservative, both in manufactured spend and credit card churning in general.

Do you have any business credit cards?  Have you tapped that well yet?

I heart you American Express.  Thank you.

Possible Regret and A Couple Good Bonuses

I hope I don’t regret this

Until midnight last night, you could transfer SPG points to American Airlines or US Airways and receive a 20% bonus.  This was on top of the 25% bonus you already get for transferring SPG points to airlines.  I have just over 40,000 points, so I could have turned those into 58,000 AAdvantage miles.  (or Dividend Miles)

Conventional Wisdom in this game tells you not to transfer miles unless you have immediate plans to use them.  I don’t.  Plus I am pretty flush with AAdvantage Miles and Dividend Miles right now thanks to 3 Citi Executive cards and Matthew’s recent bump in business travel.  I have more than enough for my planned trip to Australia (in BUSINESS class) in 2016.  But this was a heck of an offer to pass up and one that may not return for some time.

I have lots of hotel points in other programs, so I don’t necessarily NEED SPG points for hotels; although you can sometimes find some Great Redemptions.

I would also probably not transfer the points to any other airline.  Except maybe Delta if I needed some points to redeem some of their ridiculously over-priced awards.

Too late now to do anything about it.  It’s just something I decided to think about this morning.  I will probably end up using my SPG points to stay at the Westin in Whistler, which is why I got the card in the first place.

westinwhistler

The Westin Resort & Spa, Whistler

Rooms at the Westin Whistler are 16,000 SPG points per night during Christmas break and most of ski season, but you can find rooms for 9,000 points per night in late ski season.  As long as I have my SPG American Express card open, I will get the 5th night free when I book 4 on points.  So, I still need to earn 24,000 points to get enough points.  SPG points aren’t easy to earn, but if I concentrate some MS on the card over the next year, I should be able to do it.  (then I will watch for the inevitable devaluation)

A Couple Good Credit Card Sign Up Bonuses

Right now, Chase is offering the United Explorer card with an increased sign-up bonus of 50,000 miles after spending $2,000 in 3 months.  I would love to get this one, but Matthew and I just canceled our previous United Explorer cards in July of 2013.  The wait time for churning Chase cards is generally 24 months.  So hopefully next summer they will offer a similar bonus.  But if you have not had a Chase United Explorer card in the past 2 years-go for it!

Chase is also offering the Marriott Rewards Premier VISA card with an increased sign up bonus of 70,000 points PLUS 1 Free night at a category 1-4 hotel after spending $2,000 in the first 3 months.

Matthew and I will definitely be signing up for the Marriott card.  We both just canceled the basic Chase Marriott Rewards card, but this Premier card is a different product so we are eligible for the sign-up bonus even though it has not been 24 months.

Incidentally, I do not earn any commissions if you use the links above.  Those are just public links that I copied and pasted.

Happy Travels!

My First Money Order!

I have said it many times, “I am a reluctant participant in the Manufactured Spending game”.  I am.  It’s true.  Something about it feels…dirty.  Unethical maybe? I do it, but I don’t feel comfortable doing large amounts of it.

And sometimes I feel sorry for the poor airlines who are giving away all these miles and free travel to people who have never paid them a dime for an actual flight.   The poor airlines who are nickel-and-diming us To Death with fees for checked baggage, hand baggage, flight changes, drinks and meals.

And I feel sorry for the poor banks who are giving all those miles and points away to people using their cards to just circle money around a loop. The poor banks who are making millions off of people carrying balances on cards at 19% interest and fees paid by merchants to accept their cards. Continue reading

Laura’s May 2014 App-O-Rama

App-O-Rama Results: 170,000 points

If I haven’t mentioned this before, I am a very conservative App-O-Rama’er.  (is that a new word?) If you are unfamiliar with what an App-O-Rama is, see this post.

Most people do five or six cards at one time, I usually do three or maybe four depending on how good the offers are.  At this time, we seem to be in sort of a drought of good offers so I only applied for three. Continue reading

BOGO Movie Tickets!

A quick non-travel related post!

I love going to movies (and now P does too) , but it is getting so expensive! Here’s a great way to save some money on movie tickets this summer.

If you have a valid, U.S. issued VISA Signature card, you can get a buy-one-get-one-free movie ticket on Fandango on Fridays from April 25-August 8.

VISA_moviefridays_microsite_FINAL

Visit this site and enter your ZIP code for a theatre near you.  For my Northern Kentucky friends, Fandango issues tickets for Florence, Wilder and Newport! Select 2 or more tickets to a Friday showing and get the lowest priced ticket free! (up to $19.50)  You have to purchase the ticket on Friday as well as go to the Friday showing. Continue reading

Thailand – Inspiration and Planning

Thailand

14 years ago I saw a film called “The Beach” starring Leonardo DiCaprio.  Mediocre film, incredible scenery.  It was filmed in and around Phuket, Thailand.  At the end of the movie I said to myself “I have to go to Thailand”.  Long before people started (over) using the term “Bucket List”,  Thailand was on mine.

Thailand

Maya Bay “The Beach”

At the time, I was working for Delta Air Lines and I honestly have no idea why I didn’t just hop on a plane and go (for free)(most likely in Business Class).  Most things in Thailand are relatively cheap, but I think in the back of my mind I thought it was too expensive.  Or too far.  I don’t know the reason, but we didn’t go.

Fast forward to 2011 when I am just getting into collecting miles and points and I start thinking about Thailand again.  By now I have a 3 year old son and getting there seems more difficult than ever.  Or is it?  In late 2011, Hubby and I each applied for a Chase United Mileage Plus credit card that was offering a 60,000 mile sign up bonus.  A round-trip ticket to Southeast Asia was 65,000 miles.  Easily do-able.  For two.   I had no idea how I would get that third ticket.  In March 2012 Capital One was offering a “mileage match” on their Venture card.  If you applied for and were approved for the Venture card, they would match the miles you had in another airline Frequent Flyer program up to 80,000 miles.  Remember, I’m the girl sitting on over 300,000 Delta SkyMiles.

Capital One Venture card offers a “Purchase Eraser”.  Basically, you buy airline tickets, hotels, train tickets, car rentals etc,  and they will “erase” the purchase using your points.  80,000 Capital One points would “erase” $800 in travel expenses.  Doesn’t sound like a great deal except A) those points cost me nothing and B) you earn 2 points for every dollar spent on the card.  Earning an additional 50,000 points on that card would not be that difficult with some Manufactured Spending and using that card exclusively for the next year.

I started looking at United availability during different times of the year.  United has a very good and flexible mileage program.  They allow a stopover AND 2 open jaws on international award tickets.  You can also get a “free one way” when you use your United stopover creatively.  (as I did!)

Stopover – when you stop at a city for more than 24 hours on the way to your destination.  Your stopover can last up to 1 year.

Open Jaw – flying into one city and out of another

Routing

Since it takes so long to get there, I wanted to spend 2-3 weeks in Thailand to feel like I “got my miles worth”.  I wanted to see Chiang Mai, Bangkok and of course Phuket.  Hubby and I are also Scuba Divers, so we wanted to get in some diving in the Similan Islands.

My initial plan was to fly into Phuket and use my stopover for a week or so in Bangkok.  I thought we would take the train between Bangkok and Chiang Mai.  But after thinking about it, I decided that was not a good use of my stopover and I wasn’t taking advantage of the Open Jaw flexibility.  So I changed my plan to fly into Chiang Mai and out of Phuket,  taking a train from Chiang Mai to Bangkok and flying a domestic carrier from Bangkok to Phuket.  It worked on my award routing, but the paid ticket (that I planned to erase with Capital One) was pricing at over $4,000.  There was no way to get the routing I wanted at a price I could afford.  The cheapest option was to buy a ticket directly in and out of Bangkok or Phuket (with no open jaws or stopovers) for around $1,600.  But that would require a lot of back and forth domestic travel in Thailand and I thought there had to be a better way.

A month or so later I got an e-mail from United about a promotion for buying miles.  They would give you a 50% bonus on purchased miles.  I had around 10,000 United miles left over and I needed 65,000 miles.  I was 55,000 miles short. I could purchase 37,000 miles (for around $1300) and they would give me a bonus of 18,500 and then I would have the 65,000 miles needed to redeem the 3rd ticket.  I verified with Capital One that they would erase the mileage purchase before I went through with it.

If you think about it, even if I did not have the option to erase the purchase, $1,300 to get the routing I wanted was still cheaper than paying $1,600 for the not-so-great routing.

Booking

We now had enough miles for the trip, but I wanted to go at “just the right time”.  I wanted my son to be old enough to appreciate it and I also wanted to travel at the right time of year for the destination.  Unfortunately, the best time to travel to that part of Thailand is December through mid-April.  My son was about to start kindergarten and we would become slaves to the school schedule.  I have long been a believer that not all learning is done in a classroom and an experience like this one would well be worth a couple weeks out of school.  I spoke with the principal of his school before even enrolling him, and she agreed to excuse a 2 week absence prior to Spring Break, so we would have 3 weeks to explore Thailand.

Most airlines release seats 331 days in advance.  In late April 2013, I started checking the United schedules every day.  The very minute the schedule opened up for my dates, I booked it.  After I booked the award tickets, I priced them out as paid tickets and they came to $4,195 each.  Absolutely incredible that they cost me nothing other than $79.50 each in taxes.

We are flying from Cincinnati to Chicago to Stockholm.  We have a 6 hour layover in Stockholm and my plan is to go into the city for a couple of hours.  Just to say we’ve been there.  We then fly from Stockholm to Chiang Mai with a 1 hour layover in Bangkok.

On the way home, we fly from Phuket to Chicago with a 2 hour layover in Seoul.  We have a 4 hour layover in Chicago before our flight to Cincinnati, but our United cards gave us 4 passes to the United Club where we can shower and stretch out after the 12 hour flight from Seoul.  In coach.

Yes we are flying coach.  It would have cost 55,000 more miles per ticket to fly Business class.  That’s 165,000 more miles.  It would have taken much longer for me to earn that many more miles and as I have said, we believe the destination is more important than the journey.  Yes it will most likely be uncomfortable, unpleasant and long.  But we are going, and that’s what matters.

Oh yeah, about that Free one way ticket

Last year for Spring Break we went to Disneyland in California and loved it.  We love California in general, and will go there any chance we get.  Why not go back to Disneyland?  I’m sure my son would be all for that.  So…our stopover on the Thailand ticket is Cincinnati.  I added a flight from Cincinnati to Los Angeles departing on June 7 (2 months after we get back from Thailand).  Of course we have to get back home from Los Angeles, but there are many airlines that offer one way awards.  So, if we had booked roundtrip award tickets to go to California in the summer (which I was thinking about doing anyway), it would have cost 25,000 miles per ticket.  I booked 3 one way award tickets at 12,500 each.  So adding that “free one way” onto our Thailand tickets, I saved 37,500 miles!  Sometimes it can be hard to book the free one way ticket online and you may have to call in to do it.  But don’t let it slip away! It is an awesome advantage to booking United award tickets and there are plenty of creative ways to take advantage of stopovers and open jaws on United awards.  I will try to write a post on doing that in the near future.

Two weeks from now we will be leaving on our “Trip of a Lifetime” to Thailand.  My son is at the perfect age for this.  He is starting to understand geography and different languages and cultures.  I think it will be an incredible trip for all 3 of us and I do not have any regrets about pulling him out of school to do it.

Below is a chart of how I got our $15,808 trip to Thailand for $580.  I will do another post soon on the hotels and of course I will post a full trip report when we return!

Thailand

Thailand 2

 

Happy Travels!