• Why Chase Ultimate Rewards transfer partners make the program so lucrative

    The follow up to my blog about the Chase Sapphire Reserve. I expect for anyone that reads my blog to get exhausted by the amount I talk about this card. But I firmly believe this card is the unanimous leader in the clubhouse. I also know how fortunate I am to come on the scene right as this card was introduced. For many reasons, banks have made the credit card industry as lucrative as ever. In my post introducing the Chase Sapphire Reserve I mentioned the incredibly lucrative Chase Ultimate Rewards transfer partners. In this blog I’d like to dive a little deeper into that benefit.   First, the CSR…

  • Chase Sapphire Reserve and Gold Delta Skymiles card from american express

    If you had to have one credit card, it should be this one…

    I want to first make my spiel. Why I really wanted to start this blog. I am in a position where I pay for myself independently to live – that’s eat, sleep, travel, enjoy, etc. And I can comfortably pay for those things. If you at all align with my lifestyle, you should have a credit card earning points. When I see any of my peers spending on a debit card I cringe. To avoid dragging on, treat a credit card as you would a debit card. If you are spending you should be earning. As long as you don’t spend money you don’t have, there is absolutely no risk…

  • I just got a job. I want to earn miles, but I have no credit. What do I do?

    To start, I’d like to stress how important this mindset is. I am far from a pro, but having a good credit score is the key to basically everything after 25. You want to buy your own car, need credit. Want to buy a house, DEFINITELY need good credit. From a very rudimentary level, having good credit shows banking institutions that you will pay off any money you owe. Because of this, they will feel comfortable loaning you money, or extending a line of credit. So now you say, “I have absolutely no credit, how will any bank extend me a line of credit on a credit card?” This is…

  • Welcome to The Layover!

    I started a blog not too long ago because I had so many ‘cool’ ideas that I knew I wanted to share with the world. But there was one problem– I wanted to right about LITERALLY everything. I wanted to write about travel, points and miles, sports, a random thought I had about life, and then everything else. But you read anything about trying to gain readers, the one thing that remains constant is that “people go to a website to complete one task.” Hence I needed to focus my efforts on one thing–which brings us to The Layover. More than anything, I know that world of points and miles…