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.
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. 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.
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. 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. 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. 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. Are you planning on buying a house within the next two years? 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.
30 Days to Maldives: Step 1
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.) “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: To go here: 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
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. 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. 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). 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. 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 . . . The points are not.
Pho No
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. Watch out for the seaplane!