What Card Should I Get?

I’ve probably heard that question…oh…6 billion times.

Maybe closer to 7 billion.

(Editor’s Note: The above calculations are in no way accurate)

Anyway, it is a question I’ve been asked multiple times per week for many years.

If I tried splitting the “askers” into 2 groups, they would be:

A.  People like me.

B.  People who are not like me.

(Editor’s note: When I say “people like me,” I’m not referring to a shameful inability to stay sober after 2 beers)

No, I’m talking about people who apply for lots and lots of credit cards.

But this post is for the others.

If you haven’t gotten 5 or more cards in the last couple of years…

And you’re the type who likes spending on one piece of plastic…

This Chase Freedom deal is the current answer to, “What card should I get?”

3 points per dollar on all spending for a year is very nice.

But, man, if you also have a Sapphire Preferred or Ink in your wallet…

…the value starts getting nuts.

In that case, it becomes 3.75% towards travel on everything you spend in the first year.

And if you have a Sapphire Reserve along with the Freedom, that number is 4.5%.

Obviously, the math is very attractive.

If you’re a big spender (or will be for a year), this Freedom deal should definitely be on your radar.

Have a great weekend, nerds!

milenerdWhat Card Should I Get?

Million Point Contest

Thanks to reader Julie for sharing this contest to win a million devalued-but-still-worth-trying-for IHG points. There’s a little trivia game that should take a couple of minutes max. Those answers are:

  • May 28, 2008
  • 4 – 2015, 2016, 2017, 2018
  • 3

milenerdMillion Point Contest

Another Rent Payment Option

Thanks to reader Jake for sharing another rent payment website with a weird name – Urbanr.

Answers to most questions can be found in the FAQ, but the main one is about the fee…and it’s at 1.5% currently. You can use multiple cards to split the payment. Only weirdness I’m seeing at the moment is that your landlord has to sign up too. If that’s not an issue, this option is worth a look.

milenerdAnother Rent Payment Option

A Matter Of Life And Death

We hear the words all the time…

“A matter of life and death.”

Nah.

Earning miles to go on fun trips is a passion we all share…

…but it’s not a matter of life and death.

Sure, bloggers lie to your face so they can make money from you…

…but that’s not a matter of life and death.

And so on.

But maybe I’m wrong…

None of us are going to live forever (as far as I know).

We can all see clearly how time doesn’t just fly…it accelerates with each year.

In the blink of an eye, we’ll be gone from here.

Maybe all of this daily stuff adds up.

Maybe…just maybe…it’s actually a matter of life and death.

Here’s what I’m getting at…

My grandfather died a few days ago.

He was the best man I’ve ever known.

Do you remember when you were a kid? And I’m not talking about remembering it as an adult. But can you actually go back in your mind and see your childhood from the eyes of your past?

I can.

And I remember the experience of living in such a small universe. One where my mom and dad were the sun and the moon. That’s what it’s like to be a kid. Mine was an unhealthy world as my parents were battling their own insecurities. I had a hard time seeing anything beyond that universe…seeing better possibilities…

But, as luck would have it, I was related to my grandfather.

Have you ever known someone who stays young no matter how old they get? I’m seen as a pretty energetic guy but I could never hold a candle to him. Even in retirement, my grandfather bounced out of bed at the crack of dawn. He’d throw on his favorite safari shirt and get to his long list of passions – reading, brisk walks, milkshakes, cracking jokes, playing cards, helping people, and so on. I remember those early visits to my childhood home in West Virginia. Standing that close to a person who was so optimistic and SO alive…it was genuinely shocking. That wasn’t an energy I was used to. In my universe, there wasn’t anyone else like him.

I remember one day, years later, when I was in high school. I was supposed to pick him up from the library at 3:00. Well, being the flaky teenager that I was…it totally slipped my mind. Those were the days before cell phones, so I finally showed up at the library after 4:30. Damn. Over an hour late. Already filled with teenage angst and self-loathing on a daily basis, I was feeling like a total dumbass in that moment. He must have seen me hang my head because, as I walked into the periodical section, he greeted me with a smile that lit up the room. I apologized profusely (and awkwardly) but he stopped me and said, “No. You don’t understand. I had the BEST afternoon here.” And he proceeded to tell the tale of his “exciting” adventure waiting in a library. Looking back, I don’t even know if a word of it was true. All I know is that he didn’t want his grandson feeling sad in that moment.

When he wasn’t paying attention, I used to study him. This was a different kind of dude. It was confusing. How could anyone live a life without insecurity running the show?

I remember watching him at a dinnertime debate. Everybody was trying to prove how much they knew. Loudly. Trying to be right about some historical event…to win an unspoken “smartest person in the room” contest. My grandfather (the most well-read person I’d ever known) just sat there listening respectfully. His eyes lit up and a warm smile crossed his face. He didn’t see a table full of arguing buffoons. He just saw the people he loved sitting down for a nice meal together. He looked at them as if they were history professors at Harvard. It was only when someone finally asked him a question that he gave his response to the debate…and jaws hit the floor as we realized the quiet, old, bald man was a walking encyclopedia.

To be around him was a gift. Kids can’t see the size of the world outside of their small universe. They don’t understand how many possibilities exist – who they can be, what they can do, and how they can live. It’s no surprise that most children become like their parents as they grow into adults. Being fortunate enough to be around my grandfather changed the course of my life. It expanded my universe…

I saw what a heart that big looked like…I learned the difference between selfish kindness and real kindness…and I got a close-up look at what self-respect was.

I saw it all in him.

I learned it because of him.

Maybe all of our daily stuff isn’t a matter of life and death, but I watched how my grandfather lived his days…

He took his limited hours on earth and added them up into a masterpiece.

Like him, we’ll all reach our deaths…

But how many of us will really live our lives?

I don’t know. But I know my grandfather would want that for you.

Have a great weekend, nerds!

milenerdA Matter Of Life And Death

Delta Credit Monitoring

After a “cyber incident,” Delta is offering 2 years of free credit monitoring through All Clear. Hey, maybe they’ll even put out a low-quality commercial that uses the phrase “dark web” 978 times. One can only hope.

milenerdDelta Credit Monitoring