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Re: Amex Hilton Aspire FYF
For the first year AF waived Aspire, the statement closing date has moved to Dec 6.  It's now possible to triple dip the airline credit.1. Use credit in 2019
2. Use credit in 2020
3. Use credit in 2021 before you downgrade

If you're planning on cancelling then you have to do it within 30 days of AF posting (posting on 12/6/20) to get the AF refund.  This means you have from 1/1/21 until 1/5/21 to use the credit.  You can also change the statement closing date to something later in the month to get more time.

I got the Pop-up so no SUB, but the FYF made it worth a 5/24 slot esp on upcoming trips (points would have been nice but  - but have enough MSR  to met organically and AmEx has fewer locations that we can use it to meet MSR.

That said - I do think that the Aspire currently has the best AF offset of all Tier 1 Amex Prem. Cards - and can provide  great value but of course YMMV.   Will probably pay AF next renewal - but might dip a final AL credit if I decide to close at next AF in 2022. 

The GC were nice for banking for family domestic travel (I never sold them) but thankfully they can still be used to reduce travel cost - or for UA club passes, mileage boost , or banking on airlines that you can change your tix for free.

December 08, 2019, 08:43:59 PM
Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic Master Thread
confirmed cases
all cases
80+ years old
70-79 years old
60-69 years old
50-59 years old
40-49 years old
30-39 years old
20-29 years old
10-19 years old
0-9 years old   
no fatalities

Why the lack of deaths under 10? what is different about this disease that it is killing older people vs babies/children??

From what I've read is that the immature immune system of youth - doesn't respond and activate the Mast cells and initiate a robust histamine response (i.e. congestion from mucus [an example of  an extreme histamine response i.e. allergy to peanuts better known as  anaphylaxic shock]) which causes/leads to the respiratory issues/breathing issues.

Smokers and persons with Hypertension/Cardiac issues tend to have lower OČ saturation even when not sick -  they will have higher mortality when infected with a respiratory virus.  So they succumb to respiratory failure - (i.e. your OČ blood saturation is too low and COČ concentration is too high in your blood because your lungs are not able to exchange the gases in your blood).

March 06, 2020, 07:50:58 AM
Re: COVID-19 (Wuhan Novel Coronavirus) Pandemic Master Thread POTUS should shut down stock market for 7 days, then revisit in 7 days. 

After 9/11 they closed the market for like 5-6 trading days.

With all the other shutdowns - seems like it might preserve somw of the wealth in 401k's.

Market in a freefall. I guess tweets is not going to help.

March 12, 2020, 06:27:48 PM