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cover of episode Listener Q&A Live Show + Big Anniversary Giveaway!

Listener Q&A Live Show + Big Anniversary Giveaway!

2022/5/11
logo of podcast All the Hacks with Chris Hutchins

All the Hacks with Chris Hutchins

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Chris Hutchins
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Mallory
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Chris Hutchins: 购房通常无法使用信用卡积分,购车可以协商部分首付使用信用卡。灵活预订机票可以节省开支,包括灵活选择出行日期、中转地点和航班类型。伦敦豪华酒店的选择取决于个人喜好和预算,可以使用积分或现金预订,使用积分预订酒店并非总是最划算的方式,可以考虑现金预订并寻求酒店升级。在最大化积分和直接花钱之间做出选择时,应考虑时间成本,如果寻找奖励航班花费的时间成本过高,可以考虑使用专业服务。航空公司高端会员资格的价值因人而异,应根据个人旅行习惯和需求进行评估;酒店高端会员资格的价值在于其提供的实际优惠,例如免费早餐。是否应该更换酒店奖励计划取决于个人积分积累情况和酒店选择偏好。IHG奖励计划的优势在于其高积分回报率,但积分兑换率可能不如其他酒店计划。如果已经积累了大量特定酒店的积分,则可以继续使用该酒店的奖励计划;否则,可以选择积分兑换率更高的酒店计划。低收入人群可以使用积分旅游,可以通过寻找廉价航班、利用信用卡优惠和兼职等方式来积累积分。美联储加息将导致高收益储蓄账户利率上升,这将成为BlockFi的替代方案。申请信用卡被拒后,可以尝试联系银行的复议部门。信用记录不足的学生可以尝试申请信用要求较低的信用卡,或成为现有信用卡的附属卡用户来建立信用记录。成为现有信用卡的附属卡用户可以帮助建立信用记录。目前市面上缺乏具有良好积分回报的借记卡。面对众多理财目标和有限的资源,可以将目标分组、自动化储蓄并考虑发展副业来加快目标实现速度。在亚马逊购物时,可以选择使用返现率高的信用卡或购买亚马逊礼品卡来赚取积分。使用信用卡购买商品可以获得购买保护,而使用礼品卡则无法获得此项保护。在亚马逊购物时,可以选择使用返现率高的Discover信用卡。Discover信用卡的优势在于其返现功能,但其积分不可转让。装修时,可以尝试使用信用卡支付部分费用,或使用礼品卡支付。 Mallory: 规划行程时,选择信用卡的顺序应考虑目标地点的奖励计划、当前的信用卡优惠以及不同信用卡之间的申请间隔时间。 Colin: 提问关于如何最大化信用卡积分用于购房和购车。 Chad: 提问关于灵活预订机票的策略。 Michael: 提供购买特斯拉时使用信用卡支付升级费用的技巧。 Weber: 提问关于在伦敦选择豪华酒店的建议。 Brandy: 提问关于如何平衡最大化积分和节省时间。 Jared: 提问关于航空公司高端会员资格的价值。 Andrew: 提问关于IHG酒店奖励计划的策略。 Mallory: 提问关于低收入人群如何使用积分进行旅行,以及如何管理众多理财目标。 JC: 提问关于如何组织播客信息笔记。 Peter: 提问关于信用记录不足的学生如何申请信用卡。 Benji: 提问关于返现借记卡。 Emmanuel: 提供关于Discover信用卡和Card Pointers应用程序的补充信息。 Lessie: 提问关于Discover信用卡。 Marlon: 提问关于装修期间如何使用信用卡支付费用。

Deep Dive

Chapters
Chris discusses the challenges of maximizing points for large purchases like houses and cars, suggesting negotiation for car down payments and the use of credit cards for certain transactions.

Shownotes Transcript

#56: Today, our Host, Chris Hutchins (@hutchins)) celebrates the one year anniversary of All The Hacks! This was a live Q&A recorded on May 9th, 2022 with All The Hacks listeners tuning in. Chris answers questions on earning points buying a house and car, how flexibility helps you save big on award flights, whether elite status is worth it and much more.

Full show notes at: https://allthehacks.com/anniversary-live-show)

 

Partner Deals

Athletic Greens: Free 1 year supply of Vitamin D and 5 free travel packs)

Masterworks: VIP access to skip the waitlist)

Point.me: $1 trial w/ this link (and the code HACKS))

For all the deals, discounts and promo codes from our partners, go to: allthehacks.com/deals)

Resources Mentioned

All The Hacks Episodes:

All The Hacks Upgrade Program) - free upgrades, breakfast and more on paid luxury hotel stays

Savanti Travel): High end travel concierge, owned by Leigh Rowan (ATH #1) and #51))

Point.me) and BookYourAward.com) - Award booking services

Notion): How I track all the information for podcast (and actually for our family)

Countdown to the FOMC): FedWatch Tool for interest rate hikes

CreditKarma): Free credit score and helps find cards you can get approved for

Extra.App): Debit card that helps you build credit

CardPointers): Get 20% at allthehacks.com/cardpointers)

Vuori): 20% off your first purchase at allthehacks.com/vuori)

Rakuten): Big Give Week with 15% cash back and free $40 for new users

 

Full show notes

Maximizing Points for House or Car Purchase

Last-Minute or Advance Booking with Points for Trips

Choosing Luxury Stays in London

Trip Planning in Japan with Credit Card Bonuses

Balancing Points Maximization vs. Time Savings

Importance of Elite Status

IHG vs. Hyatt for Hotel Transfers

Organizing Podcast Notes Efficiently

Earning Bonuses with Lower Income

Alternatives to BlockFi for High Yield

Credit Tips for Students

Availability of Cash Back Debit Card

Prioritizing Financial Goals with Limited Resources

Best Cards for Amazon Purchases

Benefits of Discover Cards

Optimizing Spend During Home Remodel

 

The Quick Hacks

  • Use your favorite card for a down payment on your new car (including Tesla!)

  • Don’t forget about “Position flights” or flying from one smaller airport to a major hub.

CardPointers) is an amazing app for tracking and optimizing your points.

  • Don’t forget to try the “reconsideration line” if you ever get declined for a card

  • If you have an old card, don’t cancel the card, it’s helping your credit score! If it has a fee you don’t want to pay, ask to get the card downgraded to a no annual fee card.

  • When appropriate: don’t pay in cash, pay in gift cards!

 

Special Note

Wish Amy and Chris the best of luck; baby two coming very soon!

Connect with All the Hacks

All the Hacks: Newsletter) | Website) | Membership) | Email)

Chris Hutchins: Twitter) | Instagram) | Website) | LinkedIn)

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