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Author Topic: Bora Bora Master Thread  (Read 103863 times)

Offline as2

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Re: Bora Bora Master Thread
« Reply #1005 on: February 21, 2019, 11:20:53 AM »
Cash is only partially fungible?
No. I need to make x amount to live, and anything more than that, will go towards luxuries/retirement/investment etc. I can't afford to take money out of what I NEED, for what I WANT, but this isn't money I need, it's out of budget. 11/12 months, it goes to savings/investments, but once a year or so, it goes towards a luxury that I may not have been able to afford otherwise. I completely agree, cash is cash. I had an opportunity to replace my car with a nicer (fully loaded) car, for the same price, or get the same one (newer model) for cheaper. A bad decision (assuming you live paycheck to paycheck) is to get the nicer car. I opted not to, and saved the $, even though my budget allowed it.
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Offline Joe4007

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Re: Bora Bora Master Thread
« Reply #1006 on: February 21, 2019, 11:23:50 AM »
Not even close. At least not until they start caring about refundables.
Your average Joe (not me) can sell his miles pretty easily.

Point is, for a lot of us (with limited spending resources) miles act as a CD to save up towards travel costs we would otherwise be hesitant to cover out of pocket. In doing that, we willingly forgo the opportunity to earn cashback. A+ is the same thing in a different format.

Offline Dan

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Re: Bora Bora Master Thread
« Reply #1007 on: February 21, 2019, 11:27:15 AM »
Your average Joe (not me) can sell his miles pretty easily.

Point is, for a lot of us (with limited spending resources) miles act as a CD to save up towards travel costs we would otherwise be hesitant to cover out of pocket. In doing that, we willingly forgo the opportunity to earn cashback. A+ is the same thing in a different format.
And your average Joe will get a Dear John letter from Barto and his ilk pretty soon after that. It's silly to compare the 2 situations IMHO.
Save your time, I don't answer PM. Post it in the forum and a dedicated DDF'er will get back to you as soon as possible.

Offline farmbochur

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Re: Bora Bora Master Thread
« Reply #1008 on: February 21, 2019, 11:37:15 AM »
No. I need to make x amount to live, and anything more than that, will go towards luxuries/retirement/investment etc. I can't afford to take money out of what I NEED, for what I WANT, but this isn't money I need, it's out of budget. 11/12 months, it goes to savings/investments, but once a year or so, it goes towards a luxury that I may not have been able to afford otherwise. I completely agree, cash is cash. I had an opportunity to replace my car with a nicer (fully loaded) car, for the same price, or get the same one (newer model) for cheaper. A bad decision (assuming you live paycheck to paycheck) is to get the nicer car. I opted not to, and saved the $, even though my budget allowed it.
What you're describing is decreasing marginal utility. Why distinguish between the source of the extra money for luxuries/retirement/investment?
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Offline as2

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Re: Bora Bora Master Thread
« Reply #1009 on: February 21, 2019, 12:13:24 PM »
What you're describing is decreasing marginal utility. Why distinguish between the source of the extra money for luxuries/retirement/investment?
I'm not! My point is merely that this is extra income, thus making it easier to justify spending on extra stuff. If I win $100 on a scratch off, I'd use it the same way. Any irregular surges in income, are treated the same by me.
Memories last forever, make them while you can.

Offline @Yehuda

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Re: Bora Bora Master Thread
« Reply #1010 on: February 21, 2019, 02:03:35 PM »
https://youtu.be/n1b7piSmmME

See 5:30
Wow, I really liked this video. But the sad/scary part is, if I really viewed my miles or A+ as fungible and as money that has just come into my bank account, I wouldn't go on any trips.

Offline 12HRS

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Re: Bora Bora Master Thread
« Reply #1011 on: February 22, 2019, 04:20:20 PM »
I guess that's what you get for spoiling her for years  :P

you got it all backwards. she married him for the spoiling

Offline mmgfarb

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Re: Bora Bora Master Thread
« Reply #1012 on: February 22, 2019, 04:37:31 PM »
you got it all backwards. she married him for the spoiling
Lol, now I know what not to talk about on a date.
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