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.