AAdvantage Aviator Card Promo – Will I Make It?

In late November, I received an email from Barclaycard to register for a promotion offering 30,000 miles for spending $2,500 each month on my AAdvantage Aviator Red MasterCard.  The promo runs from December 2015 until May 2016.  So essentially I would earn 45,000 miles after adding the 2,500 a month for 6 months.

promo

$2,500 is a lot to spend each month without doing any Manufactured Spending.  At least, for me, it is a lot to spend each month!

I got through December pretty easily thanks to a couple VISA GC purchases at Walmart.

And then this happened.

BB

Ahhhh that dreaded e-mail that we all knew was coming.  Don’t say you didn’t know.  This could not go on forever.  Eventually AMEX would wise up and realize they were losing money.

I got that e-mail on January 8 and I’m totally kicking myself for not buying a gift card the first week of January.  But I have always been very conservative in this hobby.  I don’t buy $40K worth of gift cards every month!  So my plan was to wait until the end of each month and see how short I was.  If I was within $1,000 of the $2,500 (likely) I would buy a couple gift cards to make up the difference.  That’s pretty much what I have always done.  I usually bought $1,000-$1,500 a month and paid my mortgage with it.  I rarely used Bluebird to pay off the credit card I used to buy the gift cards.  I think I did that once.  And I didn’t pay the whole balance.  I would usually pay $378.55 or some other odd amount.

So again. I am really surprised that I was shut down by Bluebird.  I have heard that some people are still going at it.  I’m not sure how they managed to stay under the radar, but at this point, I hope they ride it hard.  I know I would.

Yesterday I got this e-mail from Barclaycard.

aacard

That’s very nice.  I was wondering how (if) they were going to keep track of the monthly spending for this promo.  I WISH they had some kind of calculator on their web page so you could track your monthly purchases.  You can look up your month to date purchases, but you have to whip out the calculator to get the total.

According to my calculations, I am at $1829.26 for the month of January.  And that is with a large $1,000 purchase that I would not normally make.  So in reality I have only spent $800 so far this month.  That is probably about average for us, unless it’s Christmas time, someone’s birthday or we are on a trip.   So at $1829 for this month, I am $670 short.  I don’t see myself spending that much in the next week.  Maybe another $100-200.

Unless I buy a gift card.

I’ve been thinking about this.  People are still buying the Visa GC and then buying money orders.  I have only done that once, and it wasn’t a pleasant experience.  But I might give it another try.  Worst case, I am stuck with a $500 gift card that I will have to liquidate by regular spend.  And at that point it won’t matter because I will not be able to complete this promotion.

Do you still do any manufactured spending?  Do you think the end is nigh?

Chasing A Dream

Ouch!

Fake Dictionary, Dictionary definition of the word hubris.

 

For the first time In My Life, I was denied personal credit.  And it hurt.  Even though it’s partly my own fault; I did not heed the warnings of those who had gone before me. I just went in, balls to the wall, full of arrogance and my 808 credit score and was promptly shot down.

Let back up a bit, for some context.

Back in June, many bloggers (like MMS, and Mommy Points) and Flyer Talk reported that Chase was cracking down on approving applications for people who they felt had opened too many new accounts in the past 24 months.  And this is from ANY bank! Not just Chase.

At that time it seemed to mostly affect Ultimate Rewards earning cards such as Chase Freedom and Chase Sapphire Preferred.  The airline and hotel cards (United, Marriott, Holiday Inn etc) issued by Chase seemed to be ok for a while.

I had a busy summer.  I spent it with my family and we went on a few great trips.  I did not spend as much time as I maybe should have reading blogs and Flyer Talk (or updating my own blog).  So I knew Chase had tightened up, but I really didn’t think about it possibly getting worse.

I booked Australia!

(yay! I’ll tell you about it later!) Yes I did manage to get that done over the summer.  In fact, I booked my flight to Australia using the Delta Mobile app on my phone while we were driving down to Mammoth Cave.  If you know me at all, you know I am not comfortable doing things like that anywhere but my ginormous desktop computer.  Mobile sites just make me uneasy for some reason.  ANYWAY I am going to need some United miles and British Airways Avios for traveling within Australia and to get from Australia to Thailand.  (yes, I’ve added a whole ‘nother trip to Australia)  So I thought this would be a good time to apply for the British Airways card for myself and the United Card for Matthew.  Both had 50,000 mile sign up bonuses which would more than cover what I needed.

I applied online using a friend’s link for the British Airways card and got the dreaded screen telling me to call in to further process my application.  I didn’t think much of it. Most of my applications have been automatically approved, but I have had to call in a couple of times to verify information.

After verifying my address, SSN and phone number, the Chase agent started getting serious.  She asked about the income I stated on the application and where it comes from.  I told her most of it was from my husband, but a small percentage of it was mine from self-employment.  She asked what my “self- employment” was.  I told her I was a part time tour guide.  (this is true)  Then she put me on hold for what felt like forever while she “reviewed my credit history”.  This is when I started to sweat.  She told me I had applied for 9 cards in the past 12 months.  This is not true.  And I am almost positive she said 12 months and not 24 months.  She then asked “Why did you apply for so many cards? Why do you need so much open credit?”  I told her I don’t need that much open credit and I would be happy to shift some around to open this card.  She was having none of it and said I would not be approved.  I asked if I could close the Southwest card to get this one open.  She said “No.  You have more than enough credit for your needs”

Wow.  She was tough.  And she was not backing down.  I asked if being an Authorized User on my husband’s cards was counting in this denial and she said “No.”  Good thing, because that would have probably put me over 20!

I have always said I am a CONSERVATIVE credit card churner and “Manufactured Spender”.  And I still believe that to be true.

In the interest of full disclosure, let’s look at how many cards I have actually applied (and been approved!) for since August 2013.

August 2013 – SPG Amex

Sept 2013 – Citi AA Visa (closed), Barclays Frontier MC (closed)

March 2014 – Citi AA Executive (closed), Chase Sapphire Preferred, US Bank Club Carlson Visa

June 2014 – Wells Fargo Amex (closed)

August 2014 – Skymiles Business Gold Amex (Business card should not be counted), Chase Marriott (closed)

December 2014 – Chase Southwest Personal

January 2015 – Chase Southwest Business (again, Business card)

June 2015 – Citi AA Mastercard, BoA Alaska Airlines Visa, Barclays Frontier MC

Ok.  That’s 14 cards in the past 24 months.  But 2 business cards should not count.  So that’s 12.  She said 9.  I’m thinking maybe she did not count or see the ones from August and Sept 2013.  That would make the count accurate.

What now?

I’m a little torn over what to do now.  Should I just lay low and not apply for any cards until maybe mid-2016?  That way many of my apps will drop off.  Or should I apply for cards from other banks before the whole thing explodes?  I am leaning toward the last option.

 

Bursting-Bubble

 

I don’t want to be an alarmist, but I really think this game is dying.  I know when something dies, something new always comes along.  Every once in a while someone will say, “Do you remember a few years ago when everybody was buying coins from the US Mint?” Well, I think a few years from now people will say, “Do you remember when everybody was getting hundreds of thousands of miles from credit card sign up bonuses? Ah..those were the days”

I mean, look at what has happened recently.  American Express limits sign up bonuses to once per card per lifetime.  Citibank will not give a bonus if you have opened or closed the same card in the past 18 months.  And now Chase is not approving applications if you have opened more than 5 cards in the past 24 months.  What’s next?  Will they all eventually go the same way as American Express? Once per lifetime?

So I think this might be the time to just go for it.  Grab what you can and be happy with what you get before the bottom falls out.  And it will.  If this hobby had remained a secret society, things might still be easy.  But you’ve got too many big name bloggers spewing all the down and dirty details.  Mommy Points was on Nightline for crying out loud!  And even with all the approval crackdowns, they are still pimping their Chase Credit Card affiliate links.  At least the newbies can get some miles.

sunshine

 

Sorry.  I don’t mean to be all doom and gloom.  I think the Chase denial just got to me.  Just last month I went through all the trouble of opening a new checking account with Chase and giving up a 20 year relationship with my credit union!  Chase offered me $300 to do this, but that’s beside the point.  I also haven’t completely cut the cord with my credit union and after this mess, I probably won’t.

So let’s see what happens next.  I’m still $10 ahead from my last MS adventure with ordering American Express gift cards.  (Oh yeah…you know the portals stopped paying out cash back, right?) So I think I will buy a couple Visa Gift Cards with my Chase Sapphire and load them to RedBird.  That will give me 1,000 Ultimate Rewards points.  I need all I can get to transfer to United!  After that…who knows.  If I decide to apply for some different cards in the next couple weeks, I will let you know.

 

Australia Award Availability

A Tough One

I have been dreaming of going to (moving to) Australia since I was 15 years old.  When Matthew and I were dating, he said he would take me there someday.  25 years later, we still haven’t gone.

Australia is far away.  It’s expensive.  It’s huge.  And did I mention it’s far away?

When I first started collecting Delta SkyMiles way back in 2002, my goal was to use them for Australia.  But Australia kept getting put on the back burner and I redeemed miles for Morocco, and Europe and California and many other places.  But I still kept collecting them.   Right now I am sitting at 374,363 SkyMiles.  At 80,000 each way in Business class, I am 105,637 miles short for 3 roundtrip tickets.  There is no easy way to earn more SkyMiles with the restrictions from American Express of “one sign up bonus per lifetime”.  I have already had all the cards.

Over the past couple years, I have really started building up my stash of American AAdvantage miles.  Citi cards are easy to churn and I also took advantage of getting a (few) Citi AAdvantage Executive cards when the sign up bonus was 100,000 miles.  So I have 533,998 AAdvantage miles.  And that’s AFTER just redeeming some for 3 tickets to Paris next spring and 3 tickets to Turks and Caicos last fall.  Oh and 2 tickets to California this summer.

That is way more than enough to get 3 roundtrip business class tickets at 62,500 each way. (375,000 total miles needed)

Will Somebody Please Let Me Spend My Miles?

This is where it gets ugly.

Cathay Pacific (A oneworld partner) has terrific business class availability between Los Angeles and Australia via Hong Kong.  Trouble is, American Airlines will not let you route through Asia using their miles.  The 62,500 would take me to Hong Kong and then I would have to redeem another 35,000 mile award to get to Australia.  That’s worse than Delta’s 80,000 mile awards!

Qantas is also a oneworld partner, but they are VERY stingy with their business class availability.

Delta has lots of business class availability with their partner Virgin Australia, but like I said before, I do not have enough Delta miles for 3 roundtrip tickets with Delta.

Possible Good News On The Horizon

A few days ago, American announced it would begin its own nonstop service between Los Angeles and Sydney beginning in December 2015.  This was exciting news at first.  Surely American Airlines would allow a handful of business class award seats to be redeemed by its own members on an aircraft that has 52 business class seats. Right? Not bloody likely.

Check out these pictures.

dfwhkg

Who would pay 175K Miles?

This first one shows award availability for business class on American’s nonstop service between Dallas-Ft. Worth and Hong Kong.  There are no business class Saver Awards available at the far reaches of the current schedule.  None!

The next picture shows you the available seats you could choose from if you redeemed the 175,000 point award.

seats

D’oh!

All of them!  Sure, it’s possible that a couple tickets have been sold and not been assigned seats.  Unlikely though.  American is hoarding seats the way I hoard my miles!

What’s the point?  They would rather let that cabin go out empty, than let people redeem miles for it.

The scenario doesn’t change much when you look at the next couple of weeks.  Still no saver award seats, but 38 available business seats.

nextweek3Is there a Happy Medium?  Maybe.  I have to wait and see once they load the new flights into the schedule.

So What Are My Options?

I have to prepare for the worst case scenario.  Assuming AA does not release 3 business class seats on their new flights, I have accepted that my family will have to travel separately.  Right now, I can send 2 people on Delta/Virgin Australia roundtrip in Business.  The third person can (hopefully) travel on either American or Qantas roundtrip in Business.

I could also transfer 20,000 SPG points to Delta.  With the 5,000 point bonus, I would have 25,000 more SkyMiles and enough for all 3 of us to return on the same flight.  But I’m not sure I want to spend my SPG points for that.  Again, it is almost impossible to earn more of them now.  I only have 43,502 points and I wanted to use them for a ski trip.  Although, they are probably more valuable being used toward Australia.

I was somewhat encouraged when I saw this.  Business class availability on Qantas for 1 person.  For a while, I was having trouble finding availability for even one person!

aaavail

I want to start my trip in Cairns, so I don’t see any way around a connecting flight.  But that’s ok!

Here is Delta/Virgin Australia availability for 2 people for the same dates and almost the same time.

 

dlavail2

This isn’t ideal, but sometimes you have to do things like this to travel for free.  I’m still going to keep my fingers crossed that I can get 3 business class seats on American when they release the schedule. It is possible that they might release a bunch of award seats in the beginning.

What About Coach?

Some people might think I am being a travel snob by refusing to fly to coach.  Not at all.  I know I could easily get 3 economy class seats on Qantas at 37,500 miles each for one way.

But I have done that.  See here.

Los Angeles to Australia is a flight of approximately 15 hours.  By comparison, the longest flight of our Thailand trip, from Seoul to Chicago, was 12.5 hours.

It was not fun.

I do not want to do it again.

Call me a snob if you will, but I have no desire to repeat that.  I have done the work to earn these miles, I want to redeem them and be comfortable on a flight halfway around the world.

And Now, I Wait

I want our trip to begin on May 31, 2016.  Or as close as I can get to that date.  I am really very flexible with dates, which should help me out with securing award seats.

I do have 4 nights booked at the Radisson Blu in Sydney, June 13-17, but I’m quite sure I can fit that in to whatever flight dates I am able to book.

The schedule for May 31,2016 should load on July 6.  Hopefully American and Qantas can get the approval for the new routes by then.  I really don’t want to book anything until I see how many seats American is going to release on the new flights.

If anybody has had any experience doing this or has any advice to offer, I am all ears!

 

 

My Recent MS Adventures

MS Adventures? Or Misadventures?

By now, I’m sure you have seen everybody’s e-mail from Target that explains what you can and cannot feed your RedBird with.  I will throw mine in here, just in case it looks different from every other blogger’s e-mail.

targetemail

This isn’t really new.  I’m sure since they stopped allowing credit card loads on May 6, that many people have had success loading the “old fashioned” way with gift cards purchased from other sources.

Here is what I have done over the past two months.  Hold onto your hats! You know I’m a big spender! <sarcasm>

On April 8 and April 13 I purchased two $2,000 American Express gift cards and loaded them directly to my RedBird account.  I paid $12.90 for fees and shipping  for each card, but I earned $60 cash back.  (which should pay out at the end of this month) So I was ahead with $34.20 in my pocket.  And $4,000 in my RedBird.

Between mid-April and May 6, I loaded $7,300 via direct credit card loads onto my account and Matthew’s.  That sure was fun while it lasted.

After May 6, I did not do any MS.  I didn’t like the hassle of going to Wal-Mart and if I was going to go to Walmart, I would rather just load up there with Kate.  But I can no longer use Kate since I canceled my Bluebird and Serve accounts.

Then, I got bored.

I really did not like just sitting here and not doing anything to actively earn miles and points.  So on May 27, I decided to jump back in.  I tested the waters at Walmart.

walmart
It had been awhile since I had purchased a gift card at Walmart.  I was nervous that things had changed.  I have had Walmart cashiers bark at me “cash or debit only” when I start to swipe my credit card.  I just always smile and say, “It’s ok” and then it goes through.

 

The gift card rack looked different now.  There were many more options of card designs to choose from.  But having been burned in the past, I stuck with the “Happy Birthday” card that has always worked for me.

gc

I really liked the stork one, but I was afraid to try it.

I have learned a few things over the years about buying gift cards at Walmart.  Never go to the cigarette lane.  That is usually where the Customer Service Managers hang out, en masse, to go over whatever it is Walmart CSMs have to discuss.  Also avoid older ladies and the 10 item or less express lane.  My plan is to always look for a young person and preferably a guy.  They tend to care the least.  I found just who I was looking for in Jacob in lane 7.  I don’t think he said a word to me other than “how much” when I handed him the gift card.  He was too busy trying to sneak glances at his phone and flirt with the girl in lane 10.  I was in and out in about 5 minutes.  No muss, no fuss.

success

I hope Jacob works at Walmart for a long time. I wish I knew his schedule.

That gift card has a fee of $4.94 so now I am only ahead by $29.26

I then drove directly to Target to load the gift card to my RedBird.  Again, I was nervous because I wasn’t sure if this would work.  But it worked like a charm.  In and out.

target

Well, that’s blurry

The next day, Matthew and I drove to Indianapolis to see the Weird Al concert.  Best Concert Ever, by the way.  So good in fact, we are going to see him again next week in Dayton.  And taking Parker!

I have always heard that the MS opportunities in Indiana are abundant.  They have Simon Malls, which have lower fees on their gift cards than Walmart.  I have also heard it is still possible to buy Vanilla Reloads with credit cards!  How sweet!

On our way to the concert we stopped at the very nice Circle Centre mall in downtown Indy.  We ate dinner and then went to the customer service kiosk to buy a Simon Mall gift card.  The old lady working there was nice enough (at first), but very slow and somewhat suspicious of why we were buying such a large denomination gift card with a credit card.  We bought one $500 gift card charged to Matthew’s US Airways card.  There was a $3.95 fee so now I am only ahead by $25.31.

We walked around for about 30 minutes and as we were about to pass the kiosk again on our way out, I decided to buy another gift card using my Citi AA Mastercard.

When I approached the kiosk and told the lady I wanted to buy another gift card, she gave me a very accusatory look and asked, “Why?”  Yikes.  Because I am a consumer and it is my right to purchase whatever I want.  I had to stand firm.  I am not doing anything wrong.  I was holding my credit card in my hand.  She took it from me and started digging through her receipts to find Matthew’s receipt.  I asked what she was doing.  She said she was looking to see if it was the same card.  What? I told her it was not, and even if it was, why does that matter?

Let’s write the rest of this out like a one act play, shall we?

Lady: “How much do you want to buy?”

Me: “$500”

Lady: “No.  I’m not selling you one for $500.”

Me: “What are you talking about? I want to buy a $500 gift card. If my credit card is declined, you can refuse the sale, but you can’t refuse to sell me something that I am capable of paying for.”

Lady: “Yes I can.  I’m not selling you one for the same amount that he bought.  I can’t do it.”

This is getting scary now.  I was waiting for her to push the secret security button.

Me: “Of course you can. You just won’t”

Lady: “That’s right. I won’t.”

Wow.  Matthew is getting jittery now.

Matthew: “What about $499”

Lady: “No.  I won’t do that either. It’s not allowed.”

Me: “This is crazy.  You are just making stuff up.”

Matthew kicks my foot and gives me a look like “you better watch it”

Since when do you have to haggle to buy a gift card? This is insane!

Me: “Why are you doing this?”

Lady: “Because he just bought one”

Me: “So.  If we had walked up here and pretended like we weren’t together, you would have never known.”

Matthew: “OK  what about $495”

Lady: “No. I would feel more comfortable doing $450.”

Me: “Comfortable? This makes no sense whatsoever.”

Lady: “I’m not selling another one to you for $500”

Me: “Why?”

Lady: “Because I can’t”

Matthew: “$495”

This went back and forth for a while longer, but you don’t need to read all the “yes/no” stuff.

Finally I just said, “Just do $450 and let’s get this over with.”

simon

I had to turn around and snap a picture of the kiosk from hell.

This was the worst gift card buying experience of my life.  Talk about feeling like a criminal.

But I did get my $450 gift card with a $3.95 fee so I am now ahead by $21.36.  I loaded both Simon Mall gift cards to my RedBird with no problem.

A Simon Mall In Another Universe

Matthew was in Oklahoma City on a business trip this week.  There is a Simon Mall there where he has purchased gift cards in the past.  Yesterday he bought two $500 gift cards in the same transaction, with no issues.  $7.90 in fees for both cards so my bottom line is $13.46 in my pocket after all my gift card purchases.

Today, I took those two gift cards to Target to load to my RedBird.  I did the first $500 load with no questions asked.  I told her I wanted to do another one and she started the transaction and she said “Oh I forgot to look at the card you used” I said “Oh for the last four digits?” (which is what they used to do for credit card loads) and she said, “No, to make sure the names matched.” I was not prepared for this and should have had my credit union debit card on standby for such an issue.  But the gift card was still right there in my hand so I just showed it to her.  That transaction had already cleared so there was nothing she could do, but she could have denied the 2nd one if she felt something was wrong.  Although, really…why should they care?  She looked at it and said “Oh it’s a gift card. Ok” and continued to ring the 2nd transaction.

You can order personalized Simon Mall Visa Gift Cards via giftcardmall.com, but you have to pay a shipping fee which brings your total in fees to $7.94.

Taking Time Off

So now I have enough in my RedBird to pay my July mortgage and a couple bills so I am going to take a short break from MS.  Maybe the next time Top Cash Back offers over 2% on American Express Gift Cards I will buy a couple and start again.  Earning the cash back to cover the VISA fees is the only way this MS hobby makes sense now.

I have a $3,000 spending requirement on the new Citi AA card I just got.  But I don’t usually have a problem spending $3,000 in 3 months without MS.

Have you had any MS Adventures lately?

 

Planning 2016 Travel and Other Aggravations

REDbird_card_image

 

As you have probably heard, the Buzz of the day is that beginning tomorrow (May 6) you can no longer load the Target Prepaid REDcard (aka RedBird) with credit cards.  This is (as of now) a basically unsubstantiated rumor, but I’m sure there will be long lines at many Target CS desks tonight!

This makes me very sad as I have only had my RedBird for a couple months and Matthew just got his last month!  I am very conservative with Manufactured Spending, so I really haven’t done much.  I was going to start amping it up and was even going to write a post about it.  But, for right now we just have to wait and see what happens tomorrow.  Hopefully the rumor is not true.

While I’m here, I will tell you my MAJOR MS activity in April 2015.  I’m not a $50k per month MS monster (I do believe they are the ones that ruin it for the rest of us), but here’s what I did.

I purchased $4,000 in American Express Gift Cards (AGC) with my American Express SPG card.  I paid $25.80 in fees but earned $60 in cash back, so I came out ahead by $34.20.  I loaded those cards to the RedBird throughout the month.  Usually in $1,000 increments.

I also did direct credit card loads of $2250 using AA cards and the old US Air card.  WooHoo!  Big spender! Like I said, I was going to step up my game in May!

But for all my troubles I earned 4,000 SPG points and 2,250 AA miles. (actually I may have earned more AA points with the bonus points promotion that is currently running)  And $34 in cash.

Today only, there is a 2.25% cash back offer on AGC via TopCashBack.  I was about to pull the trigger on a couple today until the other shoe dropped on the RedBird.  I still might do it though.  With cash back, even if I have to pay fees to turn around and buy VISA GC with them, I still come out ahead.

Bottom line for me – if the RedBirds die tomorrow, I will probably still keep them.  Or maybe cancel one and go back to Serve with the other.  We should still be able to load both with VISA GC. (I hope!)

2016 Travel

Ahhhh…it’s that time.  Time to think about next year’s travel plans.  I know where I want to go, and when but I’m having trouble making it work.

Dive-sites

 

My son wants to go to Egypt for Spring Break.  He wants to see the Pyramids and Matthew and I want to dive the Red Sea.

I thought this would be easy to accomplish because prices in Egypt are pretty low right now.  Tourism has fallen off by an estimated 95% since the turmoil and civic unrest of the past few years.  The Red Sea resorts are doing OK, but the historical areas in Cairo, Luxor and Aswan are suffering.  So yeah, I thought it would be cheap and easy.  Not so much.

Have you ever tried to GET to Egypt?  Oh my.  The term “BFE” that we used to say as teenagers ain’t for nothing!

I could fly on Delta for 80,000 miles and $115 per ticket.  But I did not really want to burn up my Delta miles, because I wanted to use those for Australia (which I will talk about in a minute).

I was hoping to use some AA miles to get us to Egypt.  AA codes Egypt as “Middle East” , even though it is  in Africa. (I used to know a Delta agent who thought Egypt was in Europe.  But, I digress) AA also uses British Airways to get to Cairo.  So you know what that means.  Fuel Surcharges.  It would cost me 90,000 miles and $463 Per Ticket to fly from CVG to Cairo.  Yikes!

Then I thought of something else.  Spring Break is “off peak” to Europe on AA.  So I could use 40,000 AA miles to fly RT to London and then 20,000 Avios to fly RT from London to Cairo.  Of course, there are fuel surcharges which would be about $250 per ticket. That still hurts.  But it would only be a total of 60,000 miles per ticket and a total of $750 in cash.  Plus I would have to pay cash for the flights from Cairo to Sharm el Sheikh.

This Egypt trip is getting expensive and complicated.

Australia 2016

Another hassle.  Alaska Airlines has some great partners and low redemption rates.  Cathay Pacific, Qantas and even Fiji Airways can get me to Australia from LAX using Alaska miles.  In coach.  Trying to find availability for 3 business class seats is not looking good.  I have checked many dates throughout the year and nothing comes up in business class. Sometimes not even for 1 ticket.  I have not checked Cathay Pacific though, because you have to call them.

I will likely fly coach to Europe in the future.  But not over the Pacific.  No.  Never again.  Been there, done that.  It was horrible.

You know what does show availability for 3 tickets in business class on several dates throughout the year?  Virgin Australia using Delta SkyMiles.  I would gladly do that roundtrip , but sadly I do not have the 480,000 SkyMiles needed.  I have about 375,000 right now.  By doing some heavy MS and/or transferring some SPG points to Delta, I could probably manage 5 awards (at 80,000 each).  That would mean either Matthew or I would have to take a different flight on the outbound or return.  Not ideal, but we could do it as a last resort.

Trying to figure out which programs to use to make these two big trips happen is proving to be quite stressful.

And finally the last trip I hope to take in 2016 is a 4 or 5 night stay at Beaches Turks and Caicos over fall break.  That is one of our favorite places in the entire world.  October is again “off peak” on the AA charts, so it’s only 25,000 miles per ticket.

Club Carlson Devaluation

Between Matthew and myself, we have about 350,000 Club Carlson points.  Somehow, I have to tentatively book all of those before May 31.  Right.  That’s not going to happen.  There are a couple nice Radisson properties in Australia, but I have no idea what dates I will end up traveling on, so I can’t make tentative bookings.  I am assuming if I call back to change the dates, they will take away the bonus night.  That’s what Marriott does.  But I will be sure to clarify that soon.

To add insult to injury, they are raising categories on about 1,000,000 properties beginning June 1.  Interestingly, the property I want to stay at in Egypt is LOWERING from 28,000 points per night to 15,000 points per night.  So if I have to wait until after the Bonus nights go away, it will only cost me another 2,000 points for 2 nights.  But that is certainly not the case for numerous other hotels.

SSHZH_2_pool_978x385-2

Radisson Blu Sharm el Sheikh Egypt

So that’s it! That’s all I have for right now.  If you have any suggestions for me regarding Australia or Egypt I would LOVE to hear it.

Happy Travels!

 

 

 

 

My Pretty Redbird AND Saving Money at Disney

RIP Serve

serve-1As I’m sure you know by now, Serve will no longer allow credit card loads beginning on April 16.  Boy, that was fun while it lasted.  The limits were low (only $1,000 per month), but I could do it from the comfort of my home.  I didn’t have to put on my PJs and go to Walmart to buy gift cards and hope that Kate was not ill.

I will finish out my $1,000 for March and get $1,000 more loaded before April 16 and then I will bid adieu to Serve.   We had a good run, you and I.

But, wait, what’s this?  A pretty little red bird on the horizon?  Unfortunately, I live in an area that does not sell the Target Prepaid RedCard (aka RedBird) and when I was looking through the list of states that sell them, I could not think of anybody I knew who lived in one.  Apparently, I forgot about my niece in Maryland! Well…my nephew’s wife.  Technically, my husband’s nephew’s wife.  My niece-in-law? In-law?

Anyway! I explained to her what I wanted and she had no problem stopping at Target on her way home from work to pick one up for me.  She even loaded it with $5!  She then sent me a picture of the card showing the number and the 4 digit code on the front of the card.  I used that information to register the card online, in my name.  Within 3 or 4 days I received a personalized, permanent RedCard in the mail.

REDbird_card_image

I was a bit nervous going to Target to load the card.  Since my local Target does not sell them, I wasn’t sure they would know what they are and/or what to do with them.  Visions of WalMart danced in my head.

It was a rather busy Sunday afternoon at Target, but the express line had no wait.  I walked right up to the register and said “I’d like to load my RedCard please”, like I had done it a million times.  She looked at me with a smile and said, “Of course!”

I loaded $325 with my Chase Sapphire Preferred card with absolutely no issues.  It was the easiest thing ever.  I was in and out of the store in about 5 minutes. (Confession…I was having Walmart flashbacks when swiping my credit card, trying to keep it out of her sight so she wouldn’t bark at me “Cash or debit ONLY!”.  When she asked to see the card for the last 4 digits, I had a mild panic attack.  But she entered them, handed it back to me and I was done)  As my son would say “Easy, peasy, lemon squeezey”

So now, where do I go from here? I need to have some sort of strategy for loading the card.  I don’t have any minimum spending requirements to meet, so I need to beef up an account that I plan to use soon.  Ultimate Rewards points are ultimately the most valuable in my opinion, so I think I will focus on them.  But I can’t get too greedy and have Chase wonder why I am suddenly spending so much money at Target.  In even amounts.  I can fix part of that by loading, say, $432.67 to make it look like an actual purchase.  As I have said before, I am not a HUGE manufactured spend(er).  I usually do only a couple thousand a month to pay bills with.  The RedBird limits are $2,500 per day and $5,000 per month, so I can’t go too crazy anyway.  I read blogs of people who do $15,000 or $20,000 a month (and I’m sure you read them too) and honestly, I think those are the people who ruin this for the rest of us who play conservatively.

Right now I only have 1 RedBird, but when Serve dies I think I will close it and open a RedBird in Matthew’s name.  That will give us $10,000 of MS availability each month.  Not that I would use that much.

I also might buy a few American Express Gift Cards through cash back portals.  I will likely use my SPG Amex card for that.  Right now I can get $30 back for buying a $2,000 Amex gift card.  The gift card will cost $12.90 in shipping and fees, so I will make a $17.10 profit.  Better than nothing.  And then I can load the GC on to my RedBird for no fee.  Less Target purchases appearing on my credit card accounts.

We’ll see how this goes.  I’ll keep you posted.

Saving Money at Disney

We are going to Walt Disney World for Spring Break next week.  Yes, I know we are crazy.

walt-disney-world-news1

 

I have done a pretty good job saving money on the trip.  I booked our rental car way back in October for the great rate of $136 for the week! The same car at the same company booked right now is $299.

We are staying at the Country Inn & Suites by the airport.  It’s not fancy, but it has decent reviews and who spends that much time in the room anyway?  I am using Club Carlson points for half of the stay (with the BOGO deal for having the Club Carlson VISA card) and my friend is paying cash for the 2nd half of the stay and I got a great rate at 30% off for 3 nights.

I used 34,000 reward points from my Wells Fargo Propel American Express card (40,000 point sign up bonus) to get my 5 day adult park ticket and bought my son’s 5 day ticket on Undercover Tourist.   With my leftover Wells Fargo Propel rewards points I got a Best Western hotel gift card that I will use on our trip to Bryce Canyon this fall.

But here is the most recent Disney money saving deal I found.

Do you know about AMEX Offers or AMEX Sync?  For Sync, you connect your Amex card with your Twitter account and follow the American Express Twitter feed to take advantage of money saving offers.    You can also just log in to your Amex account to see “Offers for You” and have them added to your card.

Since the Wells Fargo Propel is actually serviced by Wells Fargo, it does not appear when I log into my American Express account.  My SPG, Delta SkyMiles Platinum and SkyMiles Gold Business card are on my American Express account page online.  You can usually add each offer to only one card.  BUT since the Wells Fargo card is separate, I can get the offer added to that card as well via AMEX Sync on Twitter.

So how does this save money at Disney?  Well, one of the Amex Offers is $10 off a $50 purchase at Lowe’s.  Lowe’s sells gift cards, including Disney Gift Cards.  I bought two $50 Disney gift cards at Lowe’s and got two $10 statement credits from American Express.   I added the offer to my SPG card and my Wells Fargo card and got $100 worth of Disney gift cards for $80.  In my book, this is a 20% discount on food.  That should buy at least one meal, right?  My husband wanted me to use the offers to buy mulch.  Yeah…that sounds like fun.

 

Will 2015 Be A Better Year?

Let’s hope so!

When I started this blog in early 2014, I had high hopes of sharing my travel hacking skillz, my adventures in traveling with a child skillz, and my ADEPTNESS at saving loads of money while traveling the world skillz.  But 2014 was not the greatest year in this game.  It could arguably have been the worst year.  There were major devaluations and the downward spiral of manufactured spending made it hard to meet the spend requirements that come from acquiring 4+ credit cards at one time.  Those glory days are long gone I’m afraid.

But it’s not all doom and gloom! It just can’t be!

There are a few (small) things to look forward to in 2015.

  1. Evolve Money is supposed to start accepting credit cards for bill payment sometime in 2015.  I have never used Evolve, but their list of billers seems rather small.  The only one I could pay through Evolve is Duke Energy.  Using Bluebird, I can pay my small town Water and Sanitation bill and my Trash pickup.  Plus there is also the fear that credit card companies will charge a cash advance fee for bills paid via Evolve.
  2. The Target REDbird card has crept its way into my area.  I will have to schlep myself to Cincinnati to get one, but I can reload at my local store.  I will have to cancel my Bluebird to do this, but from all accounts, this seems to be a worthwhile thing to do.
  3. Delta is going to allow one way redemptions for half price.  Finally.  As you may know, I have quite a stash of Delta miles that I need to burn.  I’m hoping to use them for a Christmas trip to Germany next year.  IF (and that’s a big IF) I can find 3 business class low level redemptions.  (don’t laugh) It really hurts to pay 125,000 miles for business class to Europe when every other airline only charges 100,000 miles.  But I can just burn them and be done with them before Delta devalues them even more.
  4. Matthew traveled so much on business this year that he has Platinum status with Marriott and Silver status with American (once they merge with US Airways) and United.  Silver isn’t such a big deal to all the Diamond Elites out there, but he was upgraded to first class on his last United flight.  Without asking for it, or even knowing he was able to! That was nice.
  5. I hope to earn the Southwest Airlines Companion pass in 2015.  It would allow a companion to fly with me at no cost, whether I pay cash or book with points.  I applied for the Southwest Personal Premier card and have completed the minimum spend on that and I am waiting for my approval (I hope) on the business version of the same card.

 

Summer 2015 – done!

I finally made a decision on our summer trip for this year.  We are going to do a quick Arizona/Utah canyon tour, spend a couple days in Las Vegas and end our trip in Northern California.

ThorsHammer_BryceCanyon

Parker was excited when I told him we could go see “Thor’s Hammer” in Bryce Canyon!

This trip is actually going to be a bit on the pricey side, and I’ll tell you why.

Flights for Parker and I were booked on American Airlines using miles.  I had to pay $22 in taxes.

We are flying into Albuquerque because Matthew’s work trip ends there on the day we are starting our trip.  Since he is already there, we don’t have to pay to get him out there.

But we are flying out of San Jose 10 days later.  That means we have to do a one-way car rental.  And they don’t mess around with those drop-off fees.

We are picking up the car on Friday in ABQ and dropping it off in Vegas on Tuesday.  That 4 day rental with drop off fee started at $498!  There doesn’t seem to be any way around the drop off fee.  I recently checked again and found a better rate, so now we are at $415.  That’s better, but still includes a $250 drop fee.  If anybody knows any tips or tricks to get around that, please let me know!

I am paying cash for our room at the Grand Canyon.  I got a very good rate at the Holiday Inn Express for $112 a night.  The regular rate was $207 or I could get it on points for 35,000 per night.  I did not think that was a good use of points.  IHG points are valued around 0.7 each.  I will earn 4600 IHG points for my 2 night stay.

We are spending 1 night in the Bryce Canyon area at the Best Western East Zion Thunderbird Lodge. I’m paying cash for that one too at $98 per night.  Best Western is supposed to come out with a new credit card product this spring.  I hope it is a good one.  Best Western has hotels all over Europe and I would love to rack up some free nights for our Christmas 2015 trip to France and Germany!

Flamingo_Hotel_Las_Vegas

I love anything that’s pink!

We are spending 3 nights in Las Vegas at the Flamingo.  Again, not a hotel I can use points for.  After the resort fees and taxes, it is going to cost about $94 per night.  Although I may have enough points left over in my Wells Fargo Rewards account to cover at least one night of that.  (I’m using the bulk of my Wells Fargo points for a 4 day Disney World ticket during Spring Break!)

And finally we will use some hotel points to stay at the Towne Place Suites in Milpitas, CA.  They have a great deal at 10,000 points per night but we will each use our “Free Night in a Category 4” certificate we received when we applied for the Marriott Rewards VISA card last year.

We are flying from Las Vegas to San Jose, CA on Southwest.  The retail price was $291, but I had a $100 travel credit on my Wells Fargo Propel card that I used to buy a $100 Southwest gift card to apply to that purchase.

So, all in, I’m paying $1,446 for air, car rentals and hotels for our 11 day trip.  I know it’s not free, but the retail cost of what I’m doing is $4,645.  I doubt anybody would actually pay that for this trip and/or do all the crazy things I’m doing to make this trip work.

New Year’s Resolution

I do not normally make New Year’s resolutions because I believe that all they do is set you up for failure.  But…I resolve to write more in this blog in 2015.  I had so many great ideas and plans when I started, but somehow I lost the motivation.  I still have things rattling around in my head and hopefully I can get them written down!

I know we’re 12 days in, but I want to wish everyone the HAPPIEST of New Years! Make it the best one yet! Get out there and travel!

 

If They Blog About It, It Will Die

How many times has this been true?

I seriously miss the days when travel hacking, credit card churning, manufactured spending was all underground.  There were a few message board sites where people would talk about it using aliases and lots of code words.  Not anymore! Now we scream it from the rooftops in Big Guy Blogs and Frequent Traveler University gatherings.  We tell you how to game the system and rake in millions of miles by doing things the banks probably don’t like.

For years I never talked about it.  I didn’t even tell my family and friends what I was doing.  (mainly because I didn’t want to get lectured about ruining my credit score.  Yeah whatever, Mom) I just always said “I never pay for travel”, with a smile.  I still say that.

Well…I don’t do that.  I won’t.  Which is part of the reason I do not regularly write in this blog.  I will still post about my trips (promise) and give you some tips on travel but I’m not going to be one of those blogs who posts about every Chase sign-up bonus and every airline mileage program devaluation.  (though I reserve the right to complain about such devaluations)

So here is a little known money saving/mileage earning deal going on this month.  Thornton’s gas stations (located only in the midwest with a few scattered in FL)  are offering 20% off third party gift cards to places like amazon.com, iTunes, restaurants, stores etc.  It is not well advertised, but I found out about it through a Big Guy Blog.  I wasn’t even going to blog about it because I wanted to keep it a SECRET! Especially in my area – more for me!

Thornton-20-Gift-CardsIf you have a credit card that earns a category bonus for gas station purchases, you are not only saving money, but earning bonus points.

There are 3 Thornton’s in my general area.  The first one I went to was just about completely wiped out of gift cards and the guy behind the counter told me that he did have amazon gift cards, but someone bought 20 of them the day before and now they are gone.  I bought one $25 Buffalo Wild Wings gift card for $20 and paid with a credit card.

I went to the 2nd Thornton’s and all they had was Bass Pro Shops and iTunes. I’m kicking myself now for not buying the iTunes.

I did not make it to the 3rd Thornton’s until yesterday.  Still no amazon or store cards, but I did select a Darden restaurant card and an iTunes card.  When I got to the register the girl said “I don’t think you can pay for those with a credit card”. I told her I bought some at the Erlanger location with a credit card just a couple days ago.  She tried and the payment was not accepted.  I gave her my bank debit card, but that did not work either.  Another girl came up and said they had “problems” with accepting credit cards for gift card purchases and so it is now their policy not to.

Of course I never have cash, so I had to return the gift cards, put my tail between my legs and leave.  Brought back memories of trying to buy Vanilla Reloads with a credit card at CVS.  Thornton’s did have a big selection of Vanilla Reloads, by the way.  They sat there – taunting me.

So.  The Big Guys post about Thornton’s gift card discount.  People run out in droves to buy them all up.  There are none left and Thornton’s wised up to the credit card game.  (or somebody was buying massive amounts of them with a stolen CC)

If you are interested in saving money, this could still be a good deal for you using cash.  In fact, it IS a good deal for you.  You are still saving $5. I would not go out of my way to do this, but if you have a Thornton’s in your area and they actually have some gift cards left – go for it!

It is still possible, in a roundabout way to pay for them with a credit card.  You load your Bluebird or Serve with a credit card (or gift cards purchased with credit cards) and you can withdraw $100 cash from a Money Pass ATM with no fee and then buy $100 worth of gift cards for $80.  Is it worth your time to run around all those places doing that? I doubt it, but if it’s convenient for you, it’s a good deal.

Bottom line, it’s still a money saver if you pay cash.  Christmas is coming, ya know.

I have slowed down considerably on my Manufactured Spending.  Right now I am only doing enough loads on Serve to cover my mortgage payment each month.  I can load Serve with my credit card from the comfort and warmth of my office chair (shhhhh! don’t tell anybody!). I don’t mind that at all.  It’s free and I don’t have to run to Walmart all the time.

In 2014 I spent $149.49 on gift card fees.  I got into the cash back on American Express gift cards late, so I only earned back $90.50.  That means I spent $58.99 to Manufacture enough Spend to get 795,000 miles and points in 2014.  Was it worth it?  Was it worth it  to spend $59 to get 795,000 miles and points?? Yeah…I think so.  Well…to be fair I should probably account for annual fees I had to pay that were not waived for the first year.  And it gets a little ugly there.  (damn you 3 Citi Executive cards! ) $975.  But still.  Just over $1,000 for 795,000 miles and points?  Sure.  But I am done for a while. I have decided it is just not worth the hassle.

Likely by the end of the year I will apply for a couple cards if they offer good “end of the year” sign up bonuses.  Chase Southwest is a big contender.  They are currently offering 50,000 points per card and they have 4.  Even though I am a bit gun-shy with Business cards, I might give it a go.  I’m also hoping British Airways offers a 100,000 mile sign up bonus at the end of the year as they have done for the past couple years.  I am keen to use Avios for a trip to Ireland.

So that’s all for now.

 

 

I’m Still Here, Just Quiet

I have taken a short break from Manufactured Spending (and apparently from blogging as well).  I wanted to let my money “shake out” and see if I was still in the black when it landed.

ibank

….this is not my account…..

I have an interesting system for keeping track of my MS in iBank.  If you are familiar with iBank, you know you can keep track of multiple accounts in the register.  In my iBank register I have my “Checking”, 2 “Savings” and then 23 credit card accounts.  Yeah…it’s a lot to keep track of.  But I have a system!  When I make a purchase I enter it into both the “Checking” account and the “Credit Card” account.  For example, if I go to Target and buy $25.68 worth of Halloween candy (just sayin’) using my Citi Executive 2 (I have 3 of them),  I will come home and enter $25.68 as a WITHDRAWAL in my checking account in iBank.  On the “Payee” line I will enter “Exec 2”, which is my code for that particular card.  I have codes for every card that differentiate if they are mine or my husband’s and what version of the card they are.

Then I will go to the “Exec 2” account in iBank and list Target as the payee and list the amount as a WITHDRAWAL.

When my Citi Executive 2 bill comes, I go through my iBank Checking account and confirm the withdrawals with “Exec 2” as the payee and then I DELETE them from the Checking account register.  I then go through the Exec 2 account and “clear” all the charges that appear on the bills.  Once that is done, I deduct the total amount of the bill in my Checking account as a Payment to “Citi Exec 2” and ADD the total amount of the bill as a “Deposit” in the “Exec 2” iBank account.

And now its even.

But can  you see where this is going in regard to what iBank thinks is my total net worth?

At the bottom of the iBank screen is a “Summary” of your net worth.  When I decided to take a break, mine said this:

Money you have:     $2,432.22

Money you owe:      $7,247.33

Total:      ($4,815.11)

Yikes!  Yet when I logged into my Credit Union checking account, it showed I had about $13,000 in there!

I decided it was time to take a break, pay off all the bills and see where I stood financially.  I’m happy to report that all is well.  All the credit card bills are paid off and I am still a few thousand in the black.  Shwew!

Now that the Cashback portals are back to offering payouts on American Express gift cards, I may get back into it.  The payouts aren’t great right now, 1.5%, but it’s better than nothing.  My property tax bill is due at the end of this month.  I hate to pay out a couple thousand dollars and not earn miles for it!  But my Bluebird account is empty so I would have to make several trips to Walmart in the next week or so to get enough in there to pay the bill.  And you know how I hate going to Walmart!

My Blogging Break

I got a bit disillusioned with the whole Miles and Points blogging thing when I noticed a trend among the “Big Boy” blogs.  (TPG, MMS, MP, FTG…you know the ones)  I mean, how many times and in how many different ways can they push Chase cards? I know it’s their bread & butter, but come on!  Is that what it takes to be successful in this world?  I wanted to share my experiences of free travel with a child! Not pound you on the head with a Chase Ink! But yet, that’s what these guys are doing.  And they are wildly successful (in this limited world).

You know the Miles and Points blogs I enjoy the most? And the ones that I think offer the best information?  Travel is Free and Hack My Trip.  I strongly suggest checking them out.  They focus more on how to travel for free, rather than shoving credit card links down your throat.

I still want you to read my blog, of course.  And I am going to work harder at writing and sharing my experiences with you.  I still love to travel and I still love to travel for free! We just got back from a fabulous week at Beaches Turks and Caicos!  There is nothing free (or even cheap) about Beaches!  It’s a splurge that I feel is worth every penny!

Trip report coming soon! Promise!

So…thanks for coming back and checking out my post.  Tell me…how do you keep track of your manufactured spending?  Do you have an easier, less complicated method than I do?  I’d love to hear about it!

Happy Travels!

Black Tuesday and other thoughts

So about 2 weeks ago I wrote a post about my “new” discovery of buying American Express Gift Cards through shopping portals and earning cash back.  Earning cash back on these cards really helps defray the cost of buying VISA gift cards to load on to Bluebird.

Since I started churning credit cards and playing the miles and points game I am ALWAYS waiting for the other shoe to drop.  And this past Tuesday, it did.  At least as far as cash back on American Express Gift Cards is concerned.

American-Express-Gift-Card

As of Tuesday afternoon, all shopping portals (for cash back or miles/points) pulled American Express Gift Cards.  If you read Flyertalk, there is all sorts of speculation as to why this has happened.  Everything from a re-negotiating of contracts between AMEX and merchants to too much Manufactured Spending has been speculated.  Some suggest the cash back offers may come back in the next month or two, as a similar blackout happened last fall.  Only time will tell.

I got one last $2,000 American Express Gift Card purchase in under the wire on Monday morning.  I hate that I can’t earn cash back anymore, but I’m happy with what I earned this month and that I came out ahead!  Since early August I have spent $46.43 on fees to buy VISA gift cards BUT I have earned $100.50 for purchasing American Express Gift Cards via BeFrugal (<– my link) so I am actually $54.07 ahead of the game.  We won’t talk about what I have spent on fees for the past couple years.  But I worked those into my yearly travel budget so they didn’t hurt my daily budget at all.

App-O-Rama 2014

I haven’t really done any big App-O-Ramas this year.  I did a couple small ones for myself, but all Matthew has done this year is get two Citi AA Executive cards.  (but those are very substantial)

Here’s a breakdown of what we have earned and spent for the first 9 months of 2014

Matthew

  • Citi AA Executive Mastercard Feb 2014 – 110,000 miles – $250
  • Citi AA Executive Mastercard Jun 2014 – 110,000 miles – $250
  • Chase Marriott Premier Rewards  Sep 2014 – 72,000 points  – $0

Laura

  • Citi AA Executive Mastercard Mar 2014 – 110,000 miles – $250
  • Chase Sapphire Preferred Visa  May 2014 – 48,000 points – $0
  • Club Carlson Premier Visa  May 2014 – 87,500 points – $75
  • Wells Fargo Propel Amex May 2014 – 43,000 points – $0
  • Delta Skymiles Amex Gold Business  Aug 2014 – 52,000 miles – $0
  • Chase Marriott Premier Rewards  Aug 2014 – 72,000 points – $0

So all together we earned 330,000 airline miles, 231,500 hotel points, 48,000 Ultimate Rewards points (that I will probably transfer to United next year) and 43,000 points that I am going to use for Disney World park hopper tickets in March 2015.

To get all those points and miles, we spent $825.  I know…that’s a lot.  But, like I said, I work that into my yearly travel budget, so it doesn’t really hurt.

I am going to take a break from applying for cards for a few months.  Unless something comes along that is too good to pass up!  No reason for this really, other than giving my credit score a rest.  Both of our scores are still above 800, so all this credit card churning has not hurt us in the least and probably has even helped our scores to go up.

My plan is to apply for the Southwest personal and business card in early 2015 to earn the companion pass.  Unfortunately we don’t live in an area that Southwest serves, but it would be worth driving to Louisville for all those free flights.  Heck, people from here drive to Louisville when they are PAYING for flights!

Summer 2015

I’m ashamed to say that I still do not have anything booked for our summer vacation in 2015.  I don’t have enough Delta miles yet! I am still about 8,000 miles short.  I may end up buying the remaining miles I need since the plug has been pulled on the American Express gift cards.  I will still try to push out some MS in the next month so I can have close to enough by October and book then.  If anything is left.

We have no idea where we want to go really and at this point, we will probably just spin the Delta wheel and see where it lands.  Where ever I can get 3 business class tickets to, is where we will go.  I am going to try for Greece, Italy or France.  But who knows where we will end up!  And actually we may stay in the US next year! Imagine that! But I have always wanted to explore the west – Arizona, Wyoming, Montana, Utah.  2015 may be the year to do that!

Happy Travels!