• Translation: Tommy's bored, so he's trolling again (was: {doesn't actua

    From -hh@21:1/5 to Tom Elam on Wed Dec 18 12:17:21 2024
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025. Its a
    bit earlier than what we normally do to do this, but airfares were
    favorable. Plus I discovered that a FFM account that we'd not been
    paying attention to had built up a healthy balance, so with just ~20% of
    its balance, got two RT tickets for just $50.66 (total for two).


    -hh

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  • From Alan@21:1/5 to -hh on Wed Dec 18 10:11:25 2024
    On 2024-12-18 09:17, -hh wrote:
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025.  Its a
    bit earlier than what we normally do to do this, but airfares were
    favorable. Plus I discovered that a FFM account that we'd not been
    paying attention to had built up a healthy balance, so with just ~20% of
    its balance, got two RT tickets for just $50.66 (total for two).
    So where are you going? Or would you rather keep us in suspense?

    :-)

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  • From -hh@21:1/5 to Alan on Wed Dec 18 17:07:46 2024
    On 12/18/24 1:11 PM, Alan wrote:
    On 2024-12-18 09:17, -hh wrote:
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025.  Its a
    bit earlier than what we normally do to do this, but airfares were
    favorable. Plus I discovered that a FFM account that we'd not been
    paying attention to had built up a healthy balance, so with just ~20%
    of its balance, got two RT tickets for just $50.66 (total for two).

    So where are you going? Or would you rather keep us in suspense?

    :-)

    Oh, I'll choose "suspense", so as to not ... brag ;-)


    -hh

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  • From -hh@21:1/5 to Tom Elam on Wed Dec 18 17:00:43 2024
    On 12/18/24 2:07 PM, Tom Elam wrote:
    On 12/18/2024 12:17 PM, -hh wrote:
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025.  Its a
    bit earlier than what we normally do to do this, but airfares were
    favorable. Plus I discovered that a FFM account that we'd not been
    paying attention to had built up a healthy balance, so with just ~20%
    of its balance, got two RT tickets for just $50.66 (total for two).


    -hh

    Ah yes, accumulating FF miles on company travel took us to Hawaii 9
    times with almost no expense. Enjoy it while you can.

    Sorry, I failed to make it clear that this particular FFM account was
    100% from personally paid for travel only.


    -hh

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  • From Alan@21:1/5 to Tom Elam on Thu Dec 19 09:30:45 2024
    On 2024-12-19 07:33, Tom Elam wrote:
    On 12/18/2024 1:11 PM, Alan wrote:
    On 2024-12-18 09:17, -hh wrote:
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025.  Its a
    bit earlier than what we normally do to do this, but airfares were
    favorable. Plus I discovered that a FFM account that we'd not been
    paying attention to had built up a healthy balance, so with just ~20%
    of its balance, got two RT tickets for just $50.66 (total for two).
    So where are you going? Or would you rather keep us in suspense?

    :-)

    Alan once again deflects attention away from the issue.

    Alan chose to ignore your bullshit.

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  • From -hh@21:1/5 to Alan on Thu Dec 19 13:57:33 2024
    On 12/19/24 12:30 PM, Alan wrote:
    On 2024-12-19 07:33, Tom Elam wrote:
    On 12/18/2024 1:11 PM, Alan wrote:
    On 2024-12-18 09:17, -hh wrote:
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025.  Its
    a bit earlier than what we normally do to do this, but airfares were
    favorable. Plus I discovered that a FFM account that we'd not been
    paying attention to had built up a healthy balance, so with just
    ~20% of its balance, got two RT tickets for just $50.66 (total for
    two).
    So where are you going? Or would you rather keep us in suspense?

    :-)

    Alan once again deflects attention away from the issue.

    Alan chose to ignore your bullshit.

    Well, it did make me briefly wonder just how many tickets to Hawaii I
    could buy from my main FFM account, if I were so inclined...

    ...although since his claim was retrospective, retconning here needs to
    include FFMs already spent on destinations far further afield, such as
    120K dropped for a BusinessFirst upgrade on EWR-HKG: that amount was
    probably worth 3 FFM coach tickets to HNL just on its own.



    -hh

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  • From -hh@21:1/5 to -hh on Fri Dec 20 16:26:28 2024
    On 12/19/24 1:57 PM, -hh wrote:
    On 12/19/24 12:30 PM, Alan wrote:
    On 2024-12-19 07:33, Tom Elam wrote:
    On 12/18/2024 1:11 PM, Alan wrote:
    On 2024-12-18 09:17, -hh wrote:
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025.  Its >>>>> a bit earlier than what we normally do to do this, but airfares
    were favorable. Plus I discovered that a FFM account that we'd not
    been paying attention to had built up a healthy balance, so with
    just ~20% of its balance, got two RT tickets for just $50.66 (total
    for two).
    So where are you going? Or would you rather keep us in suspense?

    :-)

    Alan once again deflects attention away from the issue.

    Alan chose to ignore your bullshit.

    Well, it did make me briefly wonder just how many tickets to Hawaii I
    could buy from my main FFM account, if I were so inclined...

    ...although since his claim was retrospective, retconning here needs to include FFMs already spent on destinations far further afield, such as
    120K dropped for a BusinessFirst upgrade on EWR-HKG:  that amount was probably worth 3 FFM coach tickets to HNL just on its own.

    Well, while waiting for my Windows VM to update to version 24H2, I found
    this:

    <https://awardwallet.com/blog/new-unpublished-united-partner-award-chart/>

    Seems that routes to Hawaii used to be as cheap as just 10K/pp, so 9
    coach RT's for two could have cost as little as just 360K FFM's.

    Overall, the devaluation of FFMs since that era illustrates that all
    other factors being equal, it makes more sense to use them up fairly proactively instead of hoarding them.


    -hh

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  • From -hh@21:1/5 to Tom Elam on Fri Dec 20 21:58:05 2024
    On 12/20/24 7:05 PM, Tom Elam wrote:
    On 12/20/2024 4:26 PM, -hh wrote:
    On 12/19/24 1:57 PM, -hh wrote:
    On 12/19/24 12:30 PM, Alan wrote:
    On 2024-12-19 07:33, Tom Elam wrote:
    On 12/18/2024 1:11 PM, Alan wrote:
    On 2024-12-18 09:17, -hh wrote:
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025.
    Its a bit earlier than what we normally do to do this, but
    airfares were favorable. Plus I discovered that a FFM account
    that we'd not been paying attention to had built up a healthy
    balance, so with just ~20% of its balance, got two RT tickets for >>>>>>> just $50.66 (total for two).
    So where are you going? Or would you rather keep us in suspense?

    :-)

    Alan once again deflects attention away from the issue.

    Alan chose to ignore your bullshit.

    Well, it did make me briefly wonder just how many tickets to Hawaii I
    could buy from my main FFM account, if I were so inclined...

    ...although since his claim was retrospective, retconning here needs
    to include FFMs already spent on destinations far further afield,
    such as 120K dropped for a BusinessFirst upgrade on EWR-HKG:  that
    amount was probably worth 3 FFM coach tickets to HNL just on its own.

    Well, while waiting for my Windows VM to update to version 24H2, I
    found this:

    <https://awardwallet.com/blog/new-unpublished-united-partner-award-
    chart/>

    Seems that routes to Hawaii used to be as cheap as just 10K/pp, so 9
    coach RT's for two could have cost as little as just 360K FFM's.

    Overall, the devaluation of FFMs since that era illustrates that all
    other factors being equal, it makes more sense to use them up fairly
    proactively instead of hoarding them.


    -hh

    I think I paid 15-20k pp.

    I figured 20K/pp for round trip, so 15K would've needed even less.


    Not to mention about 10 trips to Europe on points too, more
    than 1 first class. Plus quite a few family ski trips.

    Probably ~50K for business to EU. Domestic used to be very cheap, like
    5K cheap, but no longer: I ran into a quite unreasonably high fare on a domestic itinerary last year, such that I chose to use FFMs instead of
    paying north of $1K cash and it was 69,600: an illustration of limited competition in some markets as well as the systematic FFM devaluation.

    This is why I take cash rebates instead of points.

    Cashback is certainly more fungible and it doesn't depreciate as fast,
    but once again, the benefit is from using accumulated balances. I'm
    modestly humored that I'd rediscovered up this forgotten FFM account; it
    will probably net somewhere around five free(ish) flights on its own.


    -hh

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  • From -hh@21:1/5 to Tom Elam on Mon Dec 23 19:13:11 2024
    On 12/23/24 9:20 AM, Tom Elam wrote:
    On 12/20/2024 9:58 PM, -hh wrote:
    On 12/20/24 7:05 PM, Tom Elam wrote:
    On 12/20/2024 4:26 PM, -hh wrote:
    On 12/19/24 1:57 PM, -hh wrote:
    On 12/19/24 12:30 PM, Alan wrote:
    On 2024-12-19 07:33, Tom Elam wrote:
    On 12/18/2024 1:11 PM, Alan wrote:
    On 2024-12-18 09:17, -hh wrote:
    On 12/18/24 10:29 AM, Tom Elam wrote:
    In case you missed it there was an earlier post ...

    Yes, we all saw that troll attempt too.

    In the meantime, I've started to book our first trip for 2025. >>>>>>>>> Its a bit earlier than what we normally do to do this, but
    airfares were favorable. Plus I discovered that a FFM account >>>>>>>>> that we'd not been paying attention to had built up a healthy >>>>>>>>> balance, so with just ~20% of its balance, got two RT tickets >>>>>>>>> for just $50.66 (total for two).
    So where are you going? Or would you rather keep us in suspense? >>>>>>>>
    :-)

    Alan once again deflects attention away from the issue.

    Alan chose to ignore your bullshit.

    Well, it did make me briefly wonder just how many tickets to Hawaii
    I could buy from my main FFM account, if I were so inclined...

    ...although since his claim was retrospective, retconning here
    needs to include FFMs already spent on destinations far further
    afield, such as 120K dropped for a BusinessFirst upgrade on EWR-
    HKG:  that amount was probably worth 3 FFM coach tickets to HNL
    just on its own.

    Well, while waiting for my Windows VM to update to version 24H2, I
    found this:

    <https://awardwallet.com/blog/new-unpublished-united-partner-award-
    chart/>

    Seems that routes to Hawaii used to be as cheap as just 10K/pp, so 9
    coach RT's for two could have cost as little as just 360K FFM's.

    Overall, the devaluation of FFMs since that era illustrates that all
    other factors being equal, it makes more sense to use them up fairly
    proactively instead of hoarding them.


    -hh

    I think I paid 15-20k pp.

    I figured 20K/pp for round trip, so 15K would've needed even less.


    Not to mention about 10 trips to Europe on points too, more than 1
    first class. Plus quite a few family ski trips.

    Probably ~50K for business to EU.  Domestic used to be very cheap,
    like 5K cheap, but no longer: I ran into a quite unreasonably high
    fare on a domestic itinerary last year, such that I chose to use FFMs
    instead of paying north of $1K cash and it was 69,600: an illustration
    of limited competition in some markets as well as the systematic FFM
    devaluation.

    This is why I take cash rebates instead of points.

    Cashback is certainly more fungible and it doesn't depreciate as fast,
    but once again, the benefit is from using accumulated balances.  I'm
    modestly humored that I'd rediscovered up this forgotten FFM account;
    it will probably net somewhere around five free(ish) flights on its own.

    I'm not a fan of leaving money in an account that does not earn
    anything. There is the phenomenon called price inflation. That is a tax
    of sorts on cash balances.

    There's invariably a price to be paid to maintain some ready liquidity
    for an emergency fund, or even just for fiscal management convenience.


    So, my rebates go reduce current card balances a bit, freeing up cash
    flow elsewhere. At 0.65% of total income not a major factor, but in retirement every little bit helps.

    I've never even thought about bothering to track cashback balances as a percentage of total Net Worth. And since 0.65% of a ~$2M Net Worth is
    $13K - - a pretty high balance for retained cashbacks - - this suggests
    some other interpretation of what you're saying.

    The only cash balances we own other than currency in our pockets
    earns something. The main savings account is 4.5% APR.

    Sure, but HYSA rates have been declining over the past few months in particular; one that we have which was close to 5.5% earlier this year
    is already down to 4.4% and I expect it to drop further. If one really
    wants inflation protection without Market risks, you're looking more at
    TIPS and/or I-Bonds, both of which have their own pros/cons.


    -hh

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