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This couple goes on round-the-world trips for free using credit card points
Grace Cheng and Pedro Pla know how to stretch a dollar — or, more accurately, their credit card points. Thanks to savvy planning, they and their two children have already flown to five continents for free, and that's just in this year so far.
Cheng and Pla are the founders of GET.com, a website that helps travelers make the most of their credit card points through firsthand blogs, travel guides and a customizable credit card comparison tool. The site made eight figures within its first two years, according to the company.
In an interview with CNBC Make It, Cheng and Pla share their top tips and tricks for how credit card users can minimize travel expenses and make their credit card use more efficient overall.
1. Choose the right card
It's not enough to just choose any rewards card, according to the couple. Especially if you want to travel.
'If you want to use your rewards points to redeem for an air ticket, you will need to make sure that the credit card you are using allows you to convert points to real airline miles on the airline of your choice and at a favorable rate,' they say. 'This may seem obvious, but there are many cards that advertise themselves as 'miles' cards where miles can only be redeemed toward a statement credit on travel booked through certain sites.'
They add that the amount of points one can earn will vary based on the credit card as well as the spending category, 'such as air tickets, restaurants, supermarkets, etc., so it's important to use the card with the highest earn rate for each type of purchase you make.'
John Lamb | Getty Images
2. Let banks compete for you
'Don't get too comfortable with your existing stash of credit cards. Banks are constantly trying to outdo one another to get new customers,' they say. Be proactive in finding the right fit.
'It's important to frequently update yourself with the latest credit card offers. The fact that credit card offers are constantly changing and have different terms and conditions, signing bonuses, rewards programs and rewards earning rates make it tough for people to find the best cards,' they say.
Look around and stay current. 'Don't be afraid to apply for a new card if the offer is better than what you have, ' they say. 'We signed up for several new credit cards while working toward our goal of earning a million miles for our family's round-the-world adventure. Watch crazy rich asians online free.
'Earning a million miles through meticulous planning ended up saving us $54,000 just on air tickets, so the time spent planning, comparing cards and working toward the goal was more than worth it.'
Mark Kauzlarich | Bloomberg | Getty Images
3. Pay bills on time to avoid interest
Pla and Cheng pay their credit card bills in full each month to avoid accumulating any interest. That allowed them, within a year, to reach their goal of earning a million miles from their credit cards, 'enough for our family of four to fly to five continents on business class.'
Billionaire Mark Cuban, who doesn't use credit cards, has explained that interest is part of the reason why: 'The money I save on interest by not having debt is better than any return I could possibly get by investing that money in the stock market,' adding, 'I should have paid off my cards every 30 days.'
Why Mark Cuban and other famous people don't use credit cards
4. Use sign-up bonuses for extra perks
Credit card companies will often offer sign-up bonuses to lure new customers. Take advantage of these bonuses, the founders say. Bonuses could come in the form of additional credit points, cash back or other rewards, according to Credit Karma.
In Cheng and Pla's experience, 'a signing bonus of up to 50,000 points or miles is not uncommon. Just remember, most of these bonuses come with a minimum spend requirement within a certain time period, so it's important to time getting these cards with planned spending.'
CNBC Make It reporter Kathleen Elkins had a similar experience with her rewards card. 'So far,' she writes, 'the bonus has covered a handful of trips home to Charlotte, plus flights to Jamaica, New Orleans, San Francisco and Chicago.'
Gajus | Getty Images
5. Stay in hotels for free
Certain hotels will offer a free night if the customer uses a particular credit card and books three or four consecutive nights through the hotel's travel concierge.
In some cases, though, 'It's not worth it all of the time, because sometimes you can find a deal for the same hotel room that is still cheaper overall throughout the four nights, so it's good to compare before booking,' Cheng and Pla say.
If you skip it, though, you could be leaving free breakfast on the table: 'Some credit cards which confer you elite member status with certain hotel loyalty programs and that entitles you to complimentary breakfast and room upgrade.'
Credit cards come with risks: Using them, you can accrue high-interest, even life-changing, debt. They can also come with rewards. Not just hotel upgrades, either, but more abstract rewards in the form of positive credit, which is helpful for apartment hunting or buying a car.
That's why, according to one financial analyst, millennials are making a mistake by not using them more often. When handled correctly, there's power in the perks.
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How To Buy Credit Points
Travel cheap without breaking the bank
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Traveling has a reputation for being really expensive. It's one reason so many people shy away from it: they feel like they don't have the funds they need to be able to take a great trip. In reality, this couldn't be further from the truth. Sure, going on a trip can get really pricey really quickly when you're not looking for deals, buying tickets and hotel rooms without comparing them, choosing an expensive time of year to travel, and not exploring your options. But when you take advantage of all of the programs and deals that are out there, you'll find that taking a vacation can suddenly become a lot cheaper and more accessible. One way to do that is to sign up for a travel credit card, and then utilize all the hacks for using the credit card points to travel affordably.
A lot of people make the mistake of assuming that using a travel credit card to save money is as simple as signing up for one, then using it to book vacations. Nope! If you're only using the card to book things for a trip, you're doing it wrong. There are so many ways to take advantage of those points so that you can use them to score free flights, free hotel room stays, and more. You just have to know what you're doing, and, of course, stay responsible. This is a credit card, after all, and it can affect your credit score if you aren't careful. Check out some of the ways you can hack your card to get the most out of it:
1. Pick The Card That's Right For You
Before you can do anything, you have to actually have a credit card that offers rewards. If you don't already have one, it's time to pick the one that works best for you. Some popular ones include Chase Sapphire Preferred, Capital One Venture, Barclaycard Arrival Plus World Elite Mastercard, and Bank of America Cash Rewards. Although they all offer similar rewards, you'll want to do research to see which is best for you: check out the annual fees, the kinds of rewards they offer, how they distribute points, and the interest rates.
2. Sign Up To Join Rewards And Loyalty Programs
There are so many free reward and loyalty programs out there that people just don't sign up for. But doing so can help you gain points towards free things, which is worth it, even if it takes a while. Start by looking into airline programs that align with the airlines you use most often — Delta and JetBlue have great loyalty programs for customers. You can also sign up for hotel reward programs and travel site programs. They're free and they're easy to sign up, and you can only win by doing so.
3. Use Your Credit Card To Pay For Large Purchases, And Pay It Off Quickly
The way to get points on your credit card is to use it. If you aren't using it, your points aren't building up, and then what's the purpose in having one? The best thing you can do is use the card for everything — and pay it back quickly, immediately if possible. Alternatively, use the card for big ticket items that you were planning on charging anyway. At least you'll get something out of the purchase! Try to pay things back quickly so you don't have to pay too much interest back.
4. Choose Cards That Are Easy To Use Internationally
If you travel internationally, you'll want a credit card that isn't going to charge you international fees — the last thing you want to do is spend more money than you have to. For example, the Chase Sapphire Preferred Card does not charge foreign transaction fees at all. Be sure to look into that.
5. Take Advantage Of Sign-Up Bonuses
Signup bonuses are a way the credit card companies suck you in, but there's no denying that they're also a great deal for you because they allow you to rack up so many points. Usually it will go something like, 'Spend X amount of money in X months, receive X points.' If you don't do that, you lose out. But if you do, you get your money's worth!
6. Add An Authorized User
If you're doing this with a partner or someone you trust, consider adding them as an authorized user. This helps you guys rack up spending to get more points quickly. Of course, make sure it's someone you trust to also use your card.
7. Ask For A Reduced Annual Fee
Unfortunately, most travel credit cards will charge an annual fee — although many waive them for the first year you're signed up. It stinks to have to pay an annual fee, so you can do what you can to try to avoid it. You can close the account after the first year if you really want to, although you should realize that this will hurt your credit score. You can try asking them to waive the fee by saying you're going to cancel — it's not guaranteed to work, but it's worth a shot. You can also try downgrading your card or asking them to at least reduce it.
8. Use Your Card's Shopping Portal Online
One way to maximize points and earn more of them is to take advantage of the online shopping portals that the travel credit cards use. You might get more points for each item you buy or travel item you purchase via the portal than you would buying it elsewhere. These an add up quickly. For example, the Chase shopping portal allows you to earn more points shopping at places like Bloomingdales.
9. Sign Up For Dining Rewards Programs
Kafra Credit Points Hack Download
Take a look at the fine print of your credit card. You'll probably find that certain purchases will earn you more points than others. For example, with Chase, you can get 2x the points on any travel and dining purchases. That means that if you're going out to dinner, you should put the meal on your credit card to get more out of it. Credit cards offer all different bonuses like these: some will allow you to get more points through grocery shopping or even buying gas. And keep an eye out for specials and deals for limited times.
10. Refer Your Friends
Check to see if your credit card participates in referral programs. If you refer a friend and they get approved, you could receive a lot of points. You did basically nothing, and just got a bunch of points!
Our pick for a generous signup bonus
U.S. Bank FlexPerks® Travel Rewards® Visa Signature® Card
Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible net purchases on your card within the first four months of account opening.
2x FlexPoints at gas stations, grocery stores or airlines – whichever you spend the most on each monthly billing cycle, and at most cell phone service providers.
2x FlexPoints for your charitable donations
No foreign transaction fees*
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Posted by3 months ago
Hello everyone, I'm the dev of Kafra Bot (a discord bot) and I'm currently making a mobile version of the bot, as I'm not much confident about the release now (it's the first time that I develop an mobile app and release it to google play), I'm here to gather a few people to test it out (up to 100).
If you are an Android user and are interested in testing the Kafra App, PM me with your Google Play e-mail
If you are an iOS user.. Sorry but you'll have to wait. =(
You can also pre-register on the Kafra App Google Play page to be notified when comes out to everyone.
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The Sims Freeplay Hack 2019 (Cheat Unlimited Simoleons and Lifestyle Points) – Who has never heard of this addictive game called The Sims? Well if you are a hardcore The Sims game, you must have heard about the Sims Freeplay as well. This is the fermium version that can be played on your mobile devices. The Sims Freeplay was launched on February 2012 for Android while the iOS version was released a year early.
Just like the Sims, the Sims Freeplay allows you to build houses as well as control virtual people namely Sims. You will have to satisfy their wills and needs. When your Sims complete an action, they will earn the in-game currencies namely Simoleons, Social Points and LifeStyle Points. Your Sims will also get experience points or XPs. This is a stimulation game so basically it also takes real time for your Sims to finish their tasks. The Sims Freeplay is different from the computer version in terms of their ability to do something by themselves.
You need to instruct your Sims all the time to do actions. In the Sims Freeplay you will need to pass 55 levels and you can create up to 34 Sims. In this version, those who can have children are limited to the married couples only and the developers also placed a limit how many couples you are allowed to have. The number of people in the town is also limited but you can increase your capacity by buying items from their online stores, thus making you a VIP user.
You will have to complete regular quests, while completing discovery quests are optional. In order to complete any tasks, your sims will need money. Don’t worry, we have known your reason as to why you are even here in the first place. We will provide you with the Sims Freeplay hack so that you can earn unlimited resources.
Contents
1 The Sims Freeplay Hack 2019
2 The Sims Freeplay Hack Unlimited Money 2019
3 Mind-Blowing Facts about the Sims
The Sims Freeplay Hack 2019
[appbox googleplay com.ea.games.simsfreeplay_na]
[appbox appstore id466966101]
Resources are important for they can get you level up fast in the game. With this hack you won’t need to spend a penny on it. Maybe, you are wondering how people earn money on The Sims Freeplay. Well, it is in fact not so widely known but we want to see you thrive in the game so we will tell you the secret. People use freeplay cheats all the time. Yes, with hacks and cheats people are able to get free Simoleons and XPs.
Moreover, we see no reasons as to why you won’t use this hack because players are often hindered from having the utmost fun in the game because they are running out of resources like Simoleons, lifestyle points, etc. with unlimited amount of money you will be able to take a big leap in your experience playing this game. So, instead of fishing your pocket and spending money to buy resources, you can use this hack instead.
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The Sims Freeplay hack can be done in all kind of devices like Android, iOS and Windows Phone. You can also do this on your computer too. Note that, you have to use it properly meaning that you shouldn’t exploit it. Moreover, you will love this hack because it only takes 5 minutes of your time for the process to complete. So, without further ado here are the steps that you need to do:
How to Get Unlimited Simoleons and Lifestyle Points 2019
Tap on “get sims freeplay LP and simoleons” generator.
You will redirected to a new page
Enter your username
Type in how much money you need
Tap on “generate”
Wait for a few seconds until the process is complete
This tool is 100% working because the developers have taken months dedicated to perfect this online program so that many The Sims addicted players can use this hack. Moreover, the developers of this generator always update this tool from time to time so that this tool will always work. There are roughly 50.000 people who have used this generator and it always worked every time.
The Sims Freeplay Hack Unlimited Money 2019
We are also aware that people mostly used an Android device so if you are looking the ultimate the sims freeplay cheats android unlimited money 2018 then you have come to the right place. Although the previous hack also works on an Android device, but we still want to give you another working hack in case you need a large amount of money for your Sims. This hack is also updated every now and then so that the developer can guarantee it to be working all the time. This tool also doesn’t take a lot of your time because it is the sims freeplay hack android no survey type of tool. Moreover, players can also make their own suggestion for future updates. Here are some of the improvements from the most recent update.
Not only on Andorid but this hacking tool also works on iOS devices too
This tool works on all kind of search engines on your phones
This is available online so that you will have top security. You don’t need to worry malwares or virus will breach your phones.
The Sims Freeplay Generator No Human Verification
And now here is the steps you need to follow to use this tool:
Click on the button bellow to generate the in-game currencies like simoleons, lifestyle points and other valuable goods in the game
Open the generator page
Enter your username so that you can connect with the game
Type in how much amount of money you need
Tap on generate button
Wait until the program complete your data and then you can check your account
Those are the hacks that you can try to get unlimited money on The Sims Freeplay. These tools are all awesome because they required no human verification too. So, if you are not into that sort of thing you better use this the sims freeplay hack no human verification tool.
Mind-Blowing Facts about the Sims
No matter how long you have been a fan of The Sims game. We bet that you don’t know everything there is to know about this game. If you want to be surprised, read these following mind-blowing facts about the game below.
The game developer, Will Wright, was worried that there were certain English phrases that would sound robotic thus making it difficult to translate in several different languages. That’s why he came up with a distinct language that later would become the characteristic of the Sims. So, that is how he came up with Simlish, the Sims’ official language. It is a derivative language influenced by French, Finnish, Ukranian, Latin, Tagalog, Fijian, English and Cebuano.
The Sims game resembles real people so much. Starting from emotions, basic needs to aspirations. The developer said he was inspired by Maslow’s Hierarchy of Needs which elaborated that people are mainly driven by needs. Then, once humans’ needs are fulfilled, they will be motivated by requirements which are less urgent. Maslow’s Hierarchy are as follows: safety, love, belonging, self-actualization, physiological and esteem. So, if you bump into someone who tries to say that the Sims is no different than any other stimulation games tell them that the Sims is actually developed based off a legit research on human needs and emotions.
The company lost a huge important pile of files because of server fire. This happened when they were working on The Sims 2. This caused them to be set back really far and had to start creating the Sims 2 from scratch.
Did you know that Will Wright originally named The Sims, Dollhouse? The reason as to why he came up with that name was because he believed the Sims was practically a really advanced animated doll house which featured Al. the developer then changed its name to The Sims because turned out Dollhouse didn’t attract many male gamers.
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The Sims apparently features a really mysterious virus. Will Wright introduced the world this virus which makes players become ill with no reason.
The Sims is obviously one of, if not the most, successful series in the world right now. But just how successful? Since it was first launched 18 years ago, the game has gained a worldwide attention and keeps thriving with a total of 200 million copies sold. So, that is just about enough to fill an entire country, right?
Did you know that the Sims was not meant to be a real-life simulation game? Yes, the developer initially intended to make the Sims as a building game. You know, those kind of games where players can build houses, companies, and as such. Then, Will meant to add the Sims later in the game so that they could talk to objects like bedrooms, kitchens or toilets. However, Will later realized that The Sims were much more interesting in the game that he decided to make them the main part of the game. So, after pitching some changes to EA, the developer finally worked on the simulator which then became known as The Sims.
We have come to the last part of this article. There you have it folks! We hope that all these tricks can benefit you in some way. The sims freeplay hack will always be here to give you unlimited resources for your sims. goodbye for now!