International travel will teach you more about business, politics, and law than all the degrees combined.

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If you want adventure, realize that there is a world outside your own borders. Watching NatGeo and watching the Travel Channel will not satisfy your craving for exploration. HD television isn’t real life! So take the points you learned from Points 101 and go to the airport. In this section, I will show that it is possible to travel and have fun while enriching your life by seeing wonders of the world. Here are two of the New 7 Wonders of Nature that I have been lucky enough to visit.

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Ha Long Bay, Vietnam
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Table Mountain from the Waterfront
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Table Mountain from below
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Table Mountain post barefoot hike and World Cup Stadium down below

Step 1: Enjoy #ThePointsOfLife

Step 1: Enjoy #ThePointsOfLife You are sitting in your cubicle entranced by the Windows 98 stereogram of a lush palm tree in the foreground and sparkling blue water in the background. Hypnotized, you find yourself on the beach, mesmerized by the sight of the waves crashing, the sound of the seagulls chirping, and the warmth of the sun shining, all the while sipping a beer from the isolation of your beach chair. “Excuse me, Excuse me”, the waiter says. Catatonic, you ignore her calls. “Hey!” the waiter screams. Jarred from serenity, you come out of your coma to find yourself back in the office under the frosty glow of the fluorescent bulbs. Your boss is standing over you, arms crossed, glaring at you with dissatisfaction. “I need to get out of here now,” you declare- hopefully not aloud. Although the slogan for the iconic cerveza ad commands you to find your Eden, it falls short of telling us how to do so. We are left to figure it out on our own. Where shall we go this time, Maui, Hawaii or maybe somewhere exotic like Playa Del Carmen, Mexico? Cramming ourselves into coach for hours on end only to arrive at a hotel room with a view of the parking lot falls short of the peaceful getaway depicted in the advertisement. Instead, the best way of tricking ourselves into believing this is a luxury vacation is to opt for the confining all-inclusive package (because eating out every day gets expensive) then complain to the front desk about the drunk spring-breakers, in the hopes we receive an ocean-view upgrade (FYI: This works). Alternatively, we could have stayed at a 5-star resort had we chanced it by going during the discounted rainy season. Even with such meager accommodations, the trip would still set us back a few thousand dollars plus the cost of all those Long Island yard drinks from Señor Frog’s and catchy souvenir shot glasses that read, “one tequila, two tequila, three tequila, floor.” The latter, for me, are pesos well spent. Before you call me a jerk, let me state the following: I know that people work hard all year for the opportunity to post that filtered beach pic on Instagram. I am not trivializing their efforts but will show you a better way. This step will empower you to start Taking Control Of Your Vacation now. TPOL’s TIP: Buy the book here.         

Final 4 Free

Traveling for sporting events is one of the best reasons to travel. However, when your Detroit Lions make the Superbowl and it isn’t held in Detroit (horrible idea to have it in a cold weather city) you will find yourself scrambling for airline tickets that costs hundreds upon hundreds of dollars. So what will you do, miss your once in a lifetime chance to see your beloved Wolverines make the Final Four? Surely not. Last year, Michigan came out of nowhere lead by College Player of the Year Trey Burke to make it to the Final Four in Atlanta. After putting the beat down on the Syracuse Orange, Michigan faced Rick Pitino’s Louisville Cardinals for the championship. Only you weren’t there to see it. Don’t end up in a road side ditch, switch to DirectTv. Sorry, just seeing if you were reading. I looked for tickets and found a roundtrip for $800. I checked Southwest and found those prices to be crazy high as well. Out of options, I was about to give up when I realized that I had a stash of British Avios that can be redeemed on American Airlines for next to nothing with no extra fees for last minute booking. My ticket ended up being a manageable $5 for 2 of the legs and I came out of pocket for the others. All in all it cost $150 to get to Atlanta. Untitled So this year, if your team is playing (meaning you are from Michigan as it will be a Umich v. MSU final) and your points are right, you too can watch Michigan redeem itself to become national champions! Otherwise, I hope you have Comcast cable as your dish will probably not get reception in that subfrozen tundra known as the Great Lakes State. a large crowd of people in a stadium a crowd of people in yellow shirts a building with a window and a fence a crowd of people in a stadium a man in a suit sitting in a chair

“Maybe you’ll get a ‘real job’ one day so that you don’t have to travel with points.”

My book shows how easy it is to travel even if you are not affluent. Even though I have tried to teach family and friends about my points hobby, it has not been warmly received by all. Here is another excerpt from my book Everyone’s Advice Is Wrong  . . . Including Mine describing what may happen to you should you also engage in this points hobby: It’s not all smooth sailing when it comes to traveling, even if by plane. Jet-setting will expose you to your fair share of haters. This is especially true if you Tweet your every move while trotting the globe (Be sure to follow @ThePointsOfLife for the latest updates.) Additionally, those same skeptics will minimize your travel accomplishments equating the use of points to the use of performance enhancing drugs. For the record, I have never doped. Following another post showcasing my travels, a former Facebook friend of mine (#SpiteErased) commented, “Maybe you’ll get a ‘real job’ one day so that you don’t have to travel with points.” His comment is significant for two reasons: On the one hand, these words are misguided because they fail to take into account the reason you accumulate points in the first place- to break the monotony of Cubicle-ism. Partaking in a travel adventure to some remote locale creates a sharp contrast between your daily life at home and valiant explorations abroad. Travelling opens your eyes to new possibilities, bolstering your drive to succeed. Such radical departures from the norm are out of the question given typical budget constraints. The liberation from, not assimilation to, your regimented routine, i.e., the ‘real job’, is the reason you take that trip today. Do not wait for all the pieces to come together perfectly before starting your life.

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Look familiar?
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When coffee doesn’t work
Versus
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Cows on the beach in Goa, India
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Buggies in Buzios, Brazil
On the other hand, the words ring true. Living a life of temporary opulence does not mean you have been granted full-time access to the first-class lounge of life. Although you will be able to fly around the world for virtually nothing by using points, wouldn’t you rather charter your own Gulfstream G650? Similarly, you will be able to stay at an amazing 7-star resort for free, but wouldn’t you rather rent your own mansion style villa? #Points is merely the appetizer of the mouth-watering entrée that awaits you if you stay hungry. Do not overlook this is only Step 1 out of 10.
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Hvar, Croatia
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Mahe, Seychelles
Well maybe the 7 star hotel is not that bad compared to my dorm in the infamous Red Light District in Amsterdam: DSC06573
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Burj Al Arab, Dubai
But you get the point . . .   

30 Days To Maldives: Step 2

So what’s your credit score and what does it mean? Hopefully it corresponds with the JAL airline type I took from San Diego to Tokyo using points.

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Boeing 787 Dreamliner
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no window shades needed
As a rule of thumb a credit score of 730 from all 3 bureaus is needed before you begin the points game. If you are short of this threshold then I would focus on reviewing my credit reports to find out why your credit scores are low. Do you have derogatory marks e.g., accounts in collections, late payments etc? Is your debt to credit limit very high. I already discussed in Step 1 that those who have credit card debt should also not enter the arena of points. If not then the Dreamliner of flying around the world for pennies on the dollar is well within your grasp. DSC00052
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JAL dinner
What is a FICO score? Honestly, nobody really knows. It is a mythical number that somehow tells lenders if you are credit worthy. Here is the actual breakdown of how it is determined, sorry if it bores you. ce_scorebreakdown   Basically, if you do not have derogatory marks, and you do not have a lot of debt you should have a high credit score. (A more technical explanation can be found by going to the FICO website.) I say should because a recent 60 Minutes story revealed that millions of Americans have errors on their credit reports and that some lending agencies use different metrics to gauge your creditworthiness beyond your personal FICO score. Assuming you have cleared all hurdles up to this point regarding your credit score, there is one more question I must ask before you find yourself staying at the top floor of the Conrad Tokyo. DSC00061 DSC00073 Are you planning on buying a house within the next two years?
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Castle in Bratislava, Slovakia
If the answer is maybe, then count yourself out of the points game yet again. Having a few points to go travelling is not worth a higher interest rate on a mortgage. Let’s try to keep things in perspective. The reason, per the graph above, inquiries on your credit report lower your credit score. It tells lenders that you are borrowing and increases your rate of default. Inquiries last on your credit report for two years so those looking to buy a house should have as few inquiries as possible (unless you are buying that house for straight cash!) So who’s left standing? Those of you who are and be honest with yourself because I will not be held responsible for your irresponsibility can enter the fun world of churning points.
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The Fall Collection

30 Days to Maldives: Step 1

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Is this you car?
Friends ask me all the time how I travel everywhere for next to nothing. After reading ThePointsOfLife Infomercial you should know the answer is points. But before you run off and apply for twenty credit cards and lie about your income and number of businesses you own, let’s take a step back and ask the question “Is that your car?” If you answered yes, then you probably have terrible credit and the points game isn’t for you. If you are like everyone else, then your credit score is somewhere between someone who owns that beautiful white pearl taken in Bucharest, Romania and a fortunate Bentley driver (who should still travel on points to save for the cost of gas.)
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I plead the fif. Anything you say fif!
“I think my credit is good,” also is not an acceptable answer. The only way to know is to check. If you want to participate in the points game, then start off by going to the Annual Credit Report website which is the only one that is free and provided by the U.S. government. Figure out what your credit is from all 3 Bureaus: Experian, Equifax, and Transunion. Note that Equifax may not make your credit report available to you online so you may have to request it in writing. That is normal and shouldn’t be skipped. You may have to pay $8 per credit score but this is well worth the cost and you won’t ever have to pay for it again. Simultaneously, before you can leave here: DSC00100 To go here:
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Seychelles
You need to have zero credit card debt. If you are paying interest, then you are already losing the points game. So check your credit scores and check your bank accounts and then we can move on one step at a time. Any questions?

ThePointsOfLife Infomercial

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An excerpt from my book Everyone’s Advice Is Wrong . . . Including Mine: “The following is a paid advertisement for Enjoy #ThePointsOfLife.  It does not represent the views or opinions of your friends and family.” Cue tropical island music. How would you like to do the following? First, you will be picked up from your home in a specially-commissioned Mercedes-Benz by a personal chauffer who will escort you to the private first-class entrance of the airport. Next, you will enjoy upscale dining (enough free peanuts to make up for all those fees you were paying while flying coach) and premium cocktails in a trendy lounge with free Wi-Fi. (Everyone loves free Wi-Fi.) The lounge also includes a spa, sleeping area, and business center to finalize any last minute international deals, i.e., email all your friends images of the lounge for spite. a group of people sitting in a lobby a man sitting on a couch in a large room with people a bar with many bottles of alcohol a bed with a phone and towels on it Mind you, all of this is yours before boarding the plane. Once on-board, you will travel comfortably throughout your overseas journey wearing cozy pajamas, resting in a seat that lies fully flat. A five course meal with unlimited Dom Pérignon (or Jack Daniels) along with an endless supply of entertainment on your personal 23” LED will have you wishing the flight would last a bit longer. Before landing, do not forget to schedule a hot shower at 30,000 feet and freshen up with the provided designer brand amenities kit. For your convenience, the shower has a maximum capacity of two. a glass of wine on a napkin next to a small bag a two glasses of wine on a tray a seat on an airplane a screen with a map on it a glass of wine and a glass of orange juice on a table a pillow on a bed Upon landing, you will again be escorted via an executive car service to the domestic terminal. From there, you will take a private seaplane to a paradise resort right in the heart of the ocean. At check-in, you will be offered more champagne (so make sure you bring your Ibuprofen), receive a complimentary upgrade for a bungalow directly over the tropical, crystal-clear blue water, and be pampered day and night by staff eager to fill all of your wishes and desires (within the confines of the law). a group of huts on stilts in the water a blue plane on a dock a plane on a dock After a week of over-relaxation, you will depart the island but can look forward to enjoying the privileges and amenities of a first-class journey home. You may choose to skip the shower the second time around as the novelty of telling the story is greater than the experience itself. a dock over water with a hut on it

a hot tub on a deck overlooking a body of water
Friends ask me all the time how I travel everywhere for next to nothing. After reading ThePointsOfLife Infomercial you should know the answer is points.
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“The following is a paid advertisement for Enjoy #ThePointsOfLife. It does not represent the views or opinions of your friends and family.”
All this can be yours if the points are right. Yes, points, not price. The actual price of this showcase showdown is . . . Roundtrip, the flight is $15,000 per person and the room is $2,500 a night, mini-bar tab excluded. Let’s ignore how much food, drinks, excursions, and spa treatments cost, not to mention the funds needed to purchase the “I ate the worm” souvenir t-shirt. So basically it’s a billion dollars to go on this trip. Since I haven’t fully recovered from the triple bogey from Hole 8, the price is slightly out of my budget . . . a jacuzzi overlooking the ocean The points are not.

Pho No

My eagerly awaited, impossible to be duplicated, Top 10 List of Pho, begins with a story describing what bad pho is. Only by comparing bad to good can we come to an understanding of what a perfect bowl is all about. I was in Albany getting sworn in to practice law in the great state of New York but my mind could not focus on the license interviewer’s question, “Why do you want to practice law here? On the contrary, I was fixated on how soon I could take the next train back to Manhattan where a delicious bowl of pho would be waiting for me- a much deserved reward for passing the NY bar. My excitement was at a fever pitch as I jumped out of the smelly NY taxicab and arrived in Chinatown. The stench of the taxi driver was replaced by the smell of Beijing Kao Ya(Peking Duck) and the aroma of Chinese noodles soaking in steaming hot water. A misstep here, a detour there, I eventually found the Yelp renowned pho restaurant. “One bowl of Pho Tai and an order of spring rolls- shrimp only,” I told the waiter. The spring rolls arrived and I began to stir the peanut sauce with a perfect amount of Siracha. After one bite I found myself back on the beaches of Nha Trang, Vietnam, reminiscing about great days of pho past. I eagerly awaited the manna of noodles, broth, onions, and fresh cilantro, soon to be delivered from the less than divine but nonetheless health inspected kitchen. The sprouts and fresh lime, integral components of a perfect bowl arrived, serving as foreplay for my mounting appetite. Shortly thereafter, the pho was served- extra large of course. The color of the broth- a light brown, the texture of the noodles- Al dente (Vietnamese for perfectly cooked) and the little tiny onions that outlined the bowl made all the days lamenting about taking the bar exam worthwhile. Quick to dive in, I almost forgot to add the scientifically calculated requisite amount of Siracha and Hoisin sauce to the bowl. Crisis averted, it was time to mix the ingredients and prepare to enter the gates of pho heaven. What’s this? No flavor! Did I miscalculate my patented combination of Siracha, Hoisin, and lime? Oh, my fault, I forgot to put in the jalapenos. Mix, mix, mix, the beef now going from its purposefully undercooked pink (the essence of pho tai) to a perfect brown, made me ever more hungry. OK, let’s try this again; left hand soup spoon, right hand chopsticks. Chopsticks set down. Let’s try the broth alone. Chopsticks back in hand. Let’s try the noodles. Chopsticks down. Spoon down. Back to the spring rolls. What was I missing. In all my phosperiences, delicious spring rolls all but guaranteed that a mighty bowl of pho was soon to follow. Hold tight, hold tight, let’s go through the procedure from the top. Siracha: Check Hoisin: Check Lime: Check Sprouts: Check Jalapenos: Already covered that. What could it be? One more mix and this was it, the moment of truth- time to taste again. Spoon in left, chopsticks in right. Here we go. New York, home of delicious foods from all over the world had left me bitterly dissaphointed. Well actually, I can eliminate the word ‘bitter’ as the pho had no flavor. With my new NY law license, I knew the only course of action was to sue the restaurant for monetary damages. Can I please speak to the manager? This was not pho. This was fraud. Image

Paddle Bored

For most, going on vacation means relaxation, unwinding, and a momentary break from the everyday. Then you arrive and find yourself with nothing to do. While some people unplug from their emails, social media, and all other distractions, I get bored of ‘relaxing’ almost immediately. Searching for something to do both active and entertaining, I came across this ‘sport’ called paddleboarding. My friend in Miami said It was a good workout and a way to get out in the water. So I thought I would give it a shot. After falling off to a chorus of laughs once again, I decided to park my paddleboard on the shore and do nothing. Watching my friends attempt to windsurf was just as bad as my attempts to cut through the water of the Intracoastal. I’ve paddleboarded from Mauritius to the Maldives and have concluded I need a new vacation hobby. At least, the experience made for some good pictures. IMGA0163 IMGA0365 Watch out for the seaplane!            

Swamp Water

I am here in Miami Beach visiting a friend of mine who incidentally refuses to like my blog on Facebook. Anyhow, his stubborn mentality notwithstanding, I am enjoying my time in South Beach. (Well Coral Gables but that name doesn’t have the same sizzle) To watch Michigan’s predestined journey to the Final Four, we came to our favorite bar in Brickell- Brother Jimmy’s BBQ. The bartender just asked us if we are on spring break. Flattered by her feeble attempt to make me feel young, I said no and ordered the standard Jack and diet. My other friend rather inspired by her comment ordered their signature cocktail- “Swamp Water”. Swamp water comes in a goldfish tank and includes a rubber alligator that serves as garnish. The drink itself is probably 200 grams of sugar and zero alcohol but looks like a lot of fun. After sitting down, some locals asked if we were from out of town and advised my friend to dump his Swamp Water and order a real drink to save face. Obviously he didn’t nor should he have. But, this does beg the question: when do you become too old to partake in juvenile revelry? Better yet, when are you too old to go on spring break?
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