Author Topic: Figuring Out the Math  (Read 6781 times)

Offline Marco Polo

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Re: Figuring Out the Math
« Reply #45 on: July 25, 2014, 11:37:04 AM »
Ok, so you get $193 instead of $190.  ::)
Is there any cost in transferring UR to Hyatt?
Free instant transfer.
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Offline myb821

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Re: Figuring Out the Math
« Reply #46 on: July 25, 2014, 11:39:37 AM »
It will be very hard to find plain hyatt points to buy I would assume UR prices.

Offline myb821

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Re: Figuring Out the Math
« Reply #47 on: July 25, 2014, 11:42:56 AM »
your math:

IP/IB cost 123.75
BC I make 190.50

So if I would buy the points (25k) break even would be 123.75 + 190.50, correct? that comes out to about 1.25 cpp.
yes i believe you are correct in the first case you spent money and in the second case you didnt spend any. So to even out the calculations you would need to sell enough of the points for there to be no cost to you. So you would have to sell 8.25k points @1.5 cpp to even it out. so then you are left with 16750 UR points  compared to the <13k using the 5% card.

Offline Marco Polo

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Re: Figuring Out the Math
« Reply #48 on: July 25, 2014, 11:43:04 AM »
i need hyatt points.

1 - i can buy Staples 200 GC's with IP/IB at 5x.

2 - i can also buy 500 GC's at 5% cash back.

would it be better with option 1 (transfer UR to Hyatt) or option two (purchase Hyatt points with the cash back)?
Are buying nights an option?
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Online ChaimMoskowitz

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Re: Figuring Out the Math
« Reply #49 on: July 25, 2014, 11:49:17 AM »
Are buying nights an option?
yes but that just confuses things (for my purpose buying nights would not work). by my calculations if I can get Hyatt points (which I can) for 1.2 or less I am better off going with BC. another benefit is a lot less work buying and liquidating 500 GC's instead of 200 GC's.
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Offline myb821

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Re: Figuring Out the Math
« Reply #50 on: July 25, 2014, 11:49:56 AM »
yes i believe you are correct in the first case you spent money and in the second case you didnt spend any. So to even out the calculations you would need to sell enough of the points for there to be no cost to you. So you would have to sell 8.25k points @1.5 cpp to even it out. so then you are left with 16750 UR points  compared to the <13k using the 5% card.
One other thing he didnt mention is you would actually earn an additional ~600 UR points because you also earn points on the activation fees. so really you would have around 17350 UR points

Offline myb821

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Re: Figuring Out the Math
« Reply #51 on: July 25, 2014, 11:50:35 AM »
yes but that just confuses things (for my purpose buying nights would not work). by my calculations if I can get Hyatt points (which I can) for 1.2 or less I am better off going with BC. another benefit is a lot less work buying and liquidating 500 GC's instead of 200 GC's.
If i may ask how can you get hyatt points at 1.2?

Online ChaimMoskowitz

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Re: Figuring Out the Math
« Reply #52 on: July 25, 2014, 11:51:52 AM »
One other thing he didnt mention is you would actually earn an additional ~600 UR points because you also earn points on the activation fees. so really you would have around 17350 UR points
and to be fair we should do it on 300k points (50k bonus + 50k spend). still it seems BC is the better option.
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Re: Figuring Out the Math
« Reply #53 on: July 25, 2014, 11:52:25 AM »
If i may ask how can you get hyatt points at 1.2?
1.2 is high. I have bought as low as 1.
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Offline Marco Polo

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Re: Figuring Out the Math
« Reply #54 on: July 25, 2014, 11:54:44 AM »
yes but that just confuses things (for my purpose buying nights would not work). by my calculations if I can get Hyatt points (which I can) for 1.2 or less I am better off going with BC. another benefit is a lot less work buying and liquidating 500 GC's instead of 200 GC's.
Definitely is easier to liquidate the $500 GC's over the $200's. But to make things even more confusing, when you can get discounts on the GC's at the OD stores, it may be worth the extra hassle of liquidating.
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Re: Figuring Out the Math
« Reply #55 on: July 25, 2014, 11:57:37 AM »
Definitely is easier to liquidate the $500 GC's over the $200's. But to make things even more confusing, when you can get discounts on the GC's at the OD stores, it may be worth the extra hassle of liquidating.
do you want to count the gas points for the 500 GC's?  :)
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Offline Marco Polo

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Re: Figuring Out the Math
« Reply #56 on: July 25, 2014, 11:59:52 AM »
do you want to count the gas points for the 500 GC's?  :)
Not the same as a straight up discount. Paying $181.95 instead of $206.95 is a real savings. Gas savings would almost be like figuring out ones CPM when redeeming for a specific award based on the current price of the redemption.
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Re: Figuring Out the Math
« Reply #57 on: July 25, 2014, 12:05:09 PM »
Gas savings would almost be like figuring out ones CPM when redeeming for a specific award based on the current price of the redemption.
not the same at all.
4 off 20 gallons is 80
2.10 off 35 gallons is 73.50
no way to fudge those numbers like CPM.
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Offline Marco Polo

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Re: Figuring Out the Math
« Reply #58 on: July 25, 2014, 12:13:53 PM »
not the same at all.
4 off 20 gallons is 80
2.10 off 35 gallons is 73.50
no way to fudge those numbers like CPM.
I am not denying the specific savings. More was saying the gas rewards is a by-product of getting the GC's. When there is a sale/discount on GC's, that is real savings seen right away. Gas rewards can technically be left to expire and never realized (not sure why one would do that, but i do not see it as the same kind of savings).
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Offline srap

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Re: Figuring Out the Math
« Reply #59 on: July 27, 2014, 12:32:19 PM »
Which is better:  Charging a Kohl's (say $30) purchase on a Freedom card for 5 ppd and 15% off versus using a Kohl's charge for 25% off, no UR points, but paying off the Kohl's charge with Evolve.

Option 1:  $30 - $4.50 (15%) - $2.25 (1.5 cpp for 150 points) = $23.25
Option 2:  $30 - $6.75 (25%) ...                                               = $22.50

am I missing/forgetting anything?
ETA  I see it should be at least a $50 purchase to get the $10 Kohl's cash today for either option.

« Last Edit: July 27, 2014, 12:46:31 PM by srap »