2020 – A new year, a new opportunity

I started off this year with a new job. A job that does not require the travel that my last one did. I knew that those Delta miles (and status earning MQMs) would not be rolling in like they used to. This gave me the opportunity to re-evaluate how I…

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When to Pay with Points, and when to Just Pay

Time to spend? Time to earn? It happens from time to time. When do we pay with points? And when do we pay for things normally and earn more points? For me, it comes down to the Return on Expense. In our most current case, we’re looking to get a…

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Return on Expense (ROE)

I hadn’t  heard of Return on Expense either. So I am taking credit for coining the phrase.  If you know otherwise, please let me know! How do we best determine the value of our rewards?  Sometimes it is easy, a card offers a straight 2% cash back.  Your return on…

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