What to do when a Bank of America ATM eats your money orders

Automated teller machines are so fully integrated into American life that it's sometimes difficult to remember just how marvelous the technology is. The fact that the global telecommunications infrastructure enables real-time connections to bank accounts all over the world is incredible enough, but ATM's also perform remarkable, and remarkably consistent, mechanical functions: first dispensing cash in precise quantities, and now even accepting deposits of instantly-counted cash and machine-read checks. Even if the machine-reading isn't yet at 100% accuracy, the cash counting function itself is pretty remarkable.

Of course, no technology is perfect, and most people have wondered at one point or another, "what would happen if an ATM dispensed the wrong amount of cash?" I actually asked a cashier at my local credit union that very question, and she responded that they count the cash at the end of the night and would notice any disparity and correct it. Whether that's true or not, I had my own ATM mishap last week, and I have to confess it was resolved perfectly, at the cost of a single 21-minute phone call.

Here's what happened.

Bank of America ATM's accept money order deposits, but they are not great

I've deposited hundreds of thousands of dollars of money orders in Bank of America ATM's over the years and never run into any problems although, depending on the model of the money order printer and the model of the ATM, I usually have to manually input the amount of the money orders I deposit.

What had never happened to me before last Sunday was for the ATM to accept my money order deposit, go to a "processing" screen for 2-3 minutes, and then "cancel" the transaction without returning the money orders or acknowledging the transaction in any way.

I immediately checked my account online, and when I saw no transaction had been recorded, it was time to get on the phone.

Filing a claim

I used the "contact us" button within the Bank of America iPhone app, which dialed 844-870-8569. After explaining the situation to the front-line rep, I was directed to a department I believe was called "fraud," and given an additional phone number, 877-366-1121. After explaining the situation to that rep, I was then transferred to another department, which I wasn't given the name of. That rep was finally able to open a claim for me. He asked for:

  • the date of the transaction;
  • the approximate time of the transaction;
  • the amount of the deposit;
  • the serial numbers of the money orders I deposited;
  • the ATM's identification code, which was tucked over the ATM's screen and under the ATM's hood (it took me a minute or two to find).

I also asked him how often this kind of thing happened, and he answered that he gets "3-5 calls per day." Naturally, after I tweeted about the situation I heard from several readers who had experienced identical problems. That's what you get when you execute several lifetimes' worth of ordinary ATM usage every year!


As promised, my account was credited with a "temporary credit" on Monday, September 11 (actually one day earlier than promised). On Thursday, September 21, I received an online message that the claim had been resolved and the temporary credit was made permanent. The entire text of the attached PDF was:

"We've concluded our investigation of this disputed transaction. The previously issued credit is now permanent."

I assume I'll receive a paper letter to the same effect in a day or two.


I don't think there's an epidemic of malfunctioning Bank of America ATM's sweeping the country, so I don't think this is something you should be worrying about, let alone obsessing over. The real point of this post is simply to put your mind at ease: there is a system for resolving ATM transactions which malfunction, and it works.

Unlike, for example, claiming credit card trip delay insurance, there's no secret recipe for resolving these problems. Just call immediately, provide as much information as possible, and your claim will be resolved in short order (and you'll have use of the money in the meantime). I imagine that some of the information I provided wasn't even necessary to resolve the claim. Since I called immediately I was able to provide the ATM's identification code, but if I waited until I got home I assume Bank of America would be able to look it up themselves.

Travel hacking without manufactured spend

I was having lunch with a travel hacker in my area the other day and we got to talking about different approaches to the game.

My personal approach depends almost entirely on manufactured spend. I think it's fair to say that if every manufactured spend avenue died tomorrow, I'd close all my travel credit cards and put all my regular purchases on a 2% cash back card (or a 2.625% cash back card if I ever had $100,000 in assets). I don't have any reimbursed business travel, either to generate real credit card spend or to take advantage of the benefits of elite status. And I'm poor, so I don't have enough monthly expenses to meet even a "modest" minimum spend requirement of $3,000 or more. Remember, we're imagining a world without any manufactured spend opportunities, including whatever you're thinking of right now.

That's one extreme, but obviously it doesn't apply to most or all of my readers, especially the well-heeled ones! The fact is, travel hacking is and would be possible without any manufactured spend at all. But the benefits would still depend on the discipline you applied to it. With that in mind, here are a few approaches you could take.

Target individual expenses

The most intuitive way to travel hack without manufactured spend is to target individual expenses on upcoming trips. As I often say, at least for economy travel, your hotel expenses can quickly outstrip your flight expenses, so that's a natural place to start. Once you have a destination in mind, it's easy to find the credit card or cards with signup bonuses that will save you the most money on hotel stays — emphasis on you. I truly do not care what a point is "worth" in the abstract; I care what it's worth to you, and what it's worth to you depends on how much money it's going to save you.

If you are planning a trip with stays at Marriott properties, the Marriott Rewards Premier card can earn you 80,000 points after spending $3,000. That's a minimum of 2 nights at all but their top-tier Category 9 properties, and at least 3 nights at Category 5 properties and below. Category 5 properties are an endangered species these days, which is one reason I cancelled my card; the annual free night certificate is only redeemable at Category 1-5 properties. But if you have upcoming Marriott expenses it's easy to calculate the precise value to you of the 80,000-point signup bonus.

Likewise with the current 100,000-point Hilton Honors Surpass American Express signup offer (you can find my personal referral link on my Support the Site! page), and the Chase Hyatt Visa Signature offer of 40,000 points. If you don't have the ability to manufacture spend, then those one-time points hauls can save you a lot of money on trips involving stays at Hilton or Hyatt.

The point is that this exercise doesn't require figuring out how much points are worth in the abstract. Instead, you can ground the value you're getting from a signup bonus directly in your own experience: the amount of money you would otherwise spend on nights you're able to pay for with a credit card's signup bonus.

Targeting airfare is somewhat more difficult, and should be done cautiously. For example, there's a big difference between cards which only allow you to redeem points for the entire cost of a flight (like US Bank Flexpoints) and cards which allow you to redeem points against the partial cost of a flight (like Chase Sapphire and Ink cards, Barclaycard Arrival cards, BankAmericard Travel Rewards, and others).

Likewise, there's a difference between airlines that allow you to pay for your flights with miles (Delta), airlines that offer last-seat availability at much higher rates (Alaska and American), and airlines that offer last-seat availability only to certain customers (United). This difference matters less in a world with manufactured spend, since with plentiful points you are always free to use the right points for the right job. In a world without manufactured spend you have much less room for error in earning and redeeming precisely the points you need. United miles simply won't get you where you need to go, if where you need to go is served only by American.

Build trips around the signup bonuses you're eligible for

A totally different approach to travel hacking without manufactured spend is to build your travel around the signup bonuses you have available to you. It often feels like this is the approach implicitly endorsed by affiliate bloggers who, in promoting a given credit card, explain exactly how and where they think you should use the card's signup bonus.

The advantage of this strategy is that you may be able to reduce your out-of-pocket expenses much more than you would with the strategy of targeting individual expenses, since each part of the trip will be designed around a particular points balance.

The disadvantage is that you have much less control over where you go. While to a travel hacker this may sound like a commonsense trade-off, it's worth pointing out how unusual it would seem to a civilian who plans trips around places they actually want or need to visit.

Even reimbursed business travelers need to think carefully

I often hold up reimbursed business travelers as a sort of platonic ideal of a travel hacker, one who is able to spend her employer's money, accrue elite-qualifying miles with the airline of her choice, and earn top-tier hotel status on someone else's dime.

But that's no excuse for reimbursed business travelers to relax: they still have to make decisions about the cards they use to pay for their reimbursed travel, and to a lesser extent which airline and hotel programs to pursue loyalty with. I say "to a lesser extent" because the various loyalty programs have become extremely adept at making the value proposition of their programs closely track each other. In other words, for actual paid hotel stays and for actual paid flights, the rebate you receive will be similar regardless of the program you select, as long as you direct all your paid business to a single program.

When it comes to credit cards, however, slacking off can be expensive. For example, a reimbursed business traveler who spends $1,000 at a Marriott property could earn 5,000 Marriott Rewards points by paying with a Chase Marriott Rewards Premier card, or 2,000 Starpoints with an American Express Starwood Preferred Guest card — which can be instantly transferred to 6,000 Marriott Rewards points. If you aren't aware of that, you're simply leaving points on the table.

Likewise, a reimbursed business traveler who is able to pay for their own flights still has to decide whether to concentrate or diversify. Should a reimbursed Delta flight be paid for with a Delta American Express card in order to earn as many Delta SkyMiles as quickly as possible, or with another card that bonuses airline purchases in order to diversify their points balances, even if that means lower balances across multiple accounts?


At the end of the day, travel hacking means different things to different people. For some people it means manufacturing spend, for others it means earning points cheaply and redeeming them dearly, and for others it just means occasionally signing up for a new round of credit cards in order to chop off a chunk of the cost of their travel expenses.

The thing I think it can't mean, or rather the thing travel hacking is in contrast to, is applying, spending, and traveling without thinking. So: don't do that.

Quick hit: changes to US Bank Flexpoint transfers

In the last few years US Bank has made a number of negative tweaks to the Flexperks Travel Rewards Visa Signature card. They restricted the once-generous "grocery" bonus category to a more restrictive definition of "grocery stores." They limited the number of points that could be transferred in or out of a Flexperks account to 20,000 per year (although see here for a possible workaround). And starting January 1, 2018, Flexpoints will be worth a fixed 1.5 cents each for flight redemptions, rather than being redeemable in $200 "bands" as they have been to date.

There is another change I have not seen discussed elsewhere, which was quietly implemented relatively recently.

Online Flexpoint transfers now require the recipient's credit card number

The Flexperks rewards interface is run by a third-party fulfillment center, and internally they assign accounts a 12-digit account number. As recently as January 7, I used that Flexpoints account number to transfer points between accounts. It seems that as late as March either the Flexpoints account number or the Flexperks credit card number could be used to transfer points.

At some point since then, they've changed the "Transfer Points" form (found under the "Manage Points" heading) to request the "credit card account number where the FlexPoints will be transferred."

And sure enough, attempting to transfer points to a Flexpoints number online now returns an error, while using a credit card number results in success.


The cynic in me naturally suspects that US Bank implemented this change in order to slow down the rate of Flexpoint redemptions, figuring that fewer people are willing to share their credit card number than were willing to share a single-use account designator. The fewer points are shared, the less efficient redemptions become and the more points will tend to go unredeemed.

On the other hand, while US Bank may internally treat Flexpoint redemptions as a cost center, I have to wonder what their ultimate goal is with these steady, piecemeal attacks on the program's value. It may be that each one of these changes individually shaves off another few hundred of the bank's most expensive customers, but it also leaves the rest of their cardholders rightly feeling like the remaining value of the program is being nickle-and-dimed away. I'll keep the card for now, but even so they've left a bad taste in my mouth, which seems suboptimal for a medium-sized regional bank trying to grow its credit card portfolio.

How I would requalify for World of Hyatt Globalist status

[edit 8/30/17: corrected to reflect that Globalists qualifying under this promotion will not receive a Category 1-7 free night certificate; only 60-night Globalists receive free night certificates] 

This is my second and last year of top-tier Hyatt elite status. I matched to Diamond status during their short-lived offer when the Starwood-Marriott merger was announced, then requalified as a World of Hyatt Globalist through credit card spend and a few mattress runs at a local property.

This year, I have five elite-qualifying nights so far, which were credited to my account in error due to meeting my annual credit card spend threshold relatively late last year.

Like other credit cardholders, I received an e-mailed offer to renew my Globalist status by staying 20 paid nights between September 1 and December 30, 2017.

I'm not going to do this, but 20 paid stays is a pretty easy threshold to meet. Here's how I would meet it, if I were so inclined.

Swap out award nights for Points + Cash nights

If you value World of Hyatt points at 1 cent each (their cash value if transferred from Chase Ultimate Rewards), then at most low- and mid-tier properties you can pay a nominal sum to turn non-elite-qualifying nights into elite-qualifying ones, subject to Points + Cash availability. Ignoring taxes, the marginal amount paid on Points + Cash nights is:

  • Category 1: $21.75 ($25 less 325 points earned on the $50 cash component);
  • Category 2: $11.42;
  • Category 3: $10.12;
  • Category 4: $18.50;
  • Category 5: $16.87;
  • Category 6: $15.25;
  • Category 7: $130.50 (yes, that's a staggering jump; don't do this at Category 7 properties!).

If you are traveling between September 1 and September 5, you'll also receive a 10% rebate on the points portion of your stay (if you registered for that promotion in time).

Book rooms for others

We all have people in our lives who aren't travel hackers, but still travel with some frequency.

If you know a traveler who is planning to pay cash for a hotel room in a city with Hyatt properties, you're virtually certain to save them money by booking their reservation using your World of Hyatt points and their cash. They can pay you for the points portion of the reservation and pay the hotel the cash portion directly. By staying on your Globalist reservation, they'll also enjoy breakfast and club access at applicable properties.

Be sure that you're not making a "Guest of Honor" reservation. Instead, book a room in your own name and then add the other person to the reservation so they can check in (and pay).

I divide the world of travel not into paid reservations and points reservations, but rather reimbursed travel and non-reimbursed travel. The above works best if you're booking for someone with unreimbursed travel, since you can save them money directly by reducing their out-of-pocket travel expenses.

In the case of a reimbursed business traveler, the logic of the situation is reversed. You'd like someone whose employer or sponsor is paying for their hotel room to forego earning points and status in their own account and instead credit the paid nights to your account. If the person doesn't care about points or status, they may be willing to do this simply as a favor, or in exchange for breakfast and club access. If they're a bit more mercenary, they may ask you to pay them for the privilege.

As indicated above, it seems that $10-$20 per night is a reasonable range to pay for an elite-qualifying night, which gives a total breakeven value for 20 nights of $200-$400. That doesn't strike me as a totally unreasonable amount to pay if you can take aggressive advantage of Globalist late check-out, suite upgrade awards, waived resort fees, and free breakfast.

Mattress Run

Of course the last refuge of a scoundrel is the mattress run. Depending on where you live, you may have access to cheap weekend nights or Points + Cash reservations at nearby properties. While you'd be nuts to mattress run all the way to Globalist status, the fewer nights left in your challenge the more enticing it may be. If you can naturally accumulate 18 nights before December 30, what's a few hundred dollars between friends for the remaining two nights?


Twenty nights in four months is an utterly reasonable threshold to earn top-tier status with Hyatt, and I expect this promotion to be quite successful at filling up Hyatt's top-tier elite ranks. While I won't personally be putting any effort into requalifying, if you do I hope some of the ideas above will make your requalification as painless — and cheap — as possible.

Are your unredeemed points killing your game?

I haven't written about this lately, so hopefully my long-time readers will indulge me as I dive back into what I find is one of the most under-appreciated risks of travel hacking: the risk of unredeemed points.

Plenty of attention is paid to devaluation risk, which is what you encounter when it takes you too long to earn the points you need for the trip you want to take, and the amount you earn in anticipation of a redemption ends up not being sufficient. This risk does not concern me in the least. Earning more points is the natural condition of the travel hacker, so who cares if every few years you need to pack on a few tens of thousands of points in order to secure the redemption of your dreams?

No, the real risk faced by travel hackers every day isn't earning too few points — it's earning too many points, and finding them unredeemable or redeemable only at much lower value than the redemption they were earned in anticipation of.

It turns out flying to Munich is very cheap

The occasion for me thinking about this subject is my partner's planned intercontinental family reunion in Germany this year, which I figured was the perfect opportunity to prove the value of all those trips to Walmart: with all the transatlantic Star Alliance traffic, it should be a piece of cake to find some premium cabin award space so we can travel there in style and comfort. Since I've got way more Ultimate Rewards points than I'm comfortable with, a quick transfer to United would yield a high-value redemption and take a weight off my mind.

Unfortunately, flying to Munich is very cheap. We can fly there and back, nonstop, on the day of our choosing for $775. That's handily under the $800 US Bank Flexperks redemption threshold, so I can book a nonstop ticket for $400 in Flexpoints.

Meanwhile, two roundtrip award tickets in Lufthansa's business class would cost 280,000 Mileage Plus miles and $212 in taxes and fees, or $1,506 per ticket valuing Ultimate Rewards points at their cash value of 1 cent each.

$1,106 is a lot of money, and $2,212 is even more money, so I'm not going to pay that much to upgrade us to business class on a couple of 8-10 hour flights.

What do you do when this happens over and over again?

There are two potentially competing forces at work here: the drive to earn the most valuable points possible and the drive to redeem the right points for each individual redemption. I say "potentially" competing because in many — hopefully most — cases you'll find they are not: if you primarily travel to cities with Hyatt locations that meet your needs, you'll almost invariably find that cheaply-earned Ultimate Rewards points transferred to Hyatt are one of the best values available.

For example (just because I like examples), in Seattle a night at the Hyatt at Olive 8 costs 15,000 World of Hyatt points ($3,000 in office supply store spend with a Chase Ink Plus) while the Hilton Seattle may cost 70,000 Honors points ($11,667 in bonused spend on a Surpass American Express).

But what happens when "high-value" redemptions like the Lufthansa business award I described above are ruled out over and over again by far cheaper paid tickets booked using fixed-value currencies like Flexpoints?

I stay at a lot of Hyatt properties, and I book them for friends and family every chance I get, and I still have enough World of Hyatt and Ultimate Rewards points for 10 nights at a Category 7 property, or 64(!) nights at a Category 1 property. Having too many points to redeem doesn't feel as acutely painful as having too few points to redeem, but both situations send the same signal: that my system is out of of balance.

I think you should redeem your points for cash, but you won't (and neither will I)

The funniest thing I see on Twitter and in the miles and points blogosphere is people bragging about their points balances, as if having a high balance was a point of pride, rather than an admission of failure.

To state what should be obvious, the best number of miles and points to have in all your accounts is zero: the perfect calibration of your earning and burning activity would leave all of your accounts empty virtually all the time, with all of your earning activity purposefully directed towards particular planned redemptions.

That's impossible, both because the world isn't so tidy and because humans are blessed with foresight: odd numbers of points accumulate here and there as various promotions are triggered, and points are earned in small amounts in anticipation of large future redemptions. Such is life.

But the necessity of living in the world as it actually confronts us is sometimes converted into the false belief that high balances are good in their own right, because they give you "flexibility" for future redemptions or "insurance" against a particular deal or earning opportunity dying.


I understand that one subset of travel hackers is wealthy people who use miles and points as a kind of stunt to save money on the kinds of luxury vacations they'd still take if the game didn't exist.

Above I compared a business class award flight on Lufthansa to a paid economy class flight on United. However, if your alternative to each redemption were payment in cash, the comparison would look very different: the $775 United flight gets you about two cents per point on a Flexperks redemption, while the $1,506 Lufthansa flight gets you over 4 cents per point (for a ticket that would otherwise cost $6,143). There you'd be comparing a "good," or even "great," Ultimate Rewards redemption against a "standard" Flexperks redemption, and you wouldn't be wasting $1,106, but rather saving $4,637 per ticket!

That is, needless to say, not my perspective.

Sleeping the rails

As some readers may know, in a former life I worked as an English language teacher in Russia. At that time, it was typical for expats to arrive on a business visa, which as a rule only allowed you to be present in the country for 91 out of every 180 days. The idea was, you'd arrive on a business visa, get a job, and then switch over to the appropriate visa at some later date (I think of this whenever I hear about unauthorized immigrants who "overstay" their visas to the United States — that was me and most of my friends, and it was simply the way things were done).

In the winter of 2007-2008, rumors started to spread that the Russian Foreign Ministry had issued a new decree that visas could only be issued in the home country of foreign passport holders. While previously people had hopped over the border to the Baltic states, those Russian embassies were refusing to issue visas to third-country passport holders. However, we were hearing reports that the Russian Embassy in Kiev, Ukraine, was still issuing visas to third-country passport holders — for now.

With that in mind, my company bundled me off to Kiev to spend the Christmas vacation waiting for a visa. The embassy was no longer issuing one-day visas, so I would have to spend 10 days in the country while my visa was prepared. In Kiev, the hostel I ended up in was owned and operated by a fanatically racist Englishman (this is a common problem in expat communities), and after a day or two I decided I couldn't stay there any longer. But where to stay? Having just gotten off an overnight train ride, I quickly arrived at a solution. Here's a map of Ukraine:

Glancing at this map, you can immediately see there are four cities located roughly equidistant from one another: Kiev, Lviv, Odessa, and Dnipro (still called Dnepropetrovsk while I was there). Not only are they roughly equidistant, but they're also all about 7-9 hours apart by train. The solution to my housing problem was obvious: I'd board a train about midnight each night, sleep on the train, and arrive in a new city around 8 am. I could spend the day exploring the city and get back on the train that evening.

I eventually got back to Kiev, got my visa, and headed back to Russia. But that adventure has always left me wondering: could it work here?

Using Amtrak for both housing and transportation

Trying the same thing in the United States poses several difficulties:

  • our trains are far less frequent than trains in Eastern Europe, often passing through a given community as rarely as once a day;
  • our trains are more expensive than trains in Eastern Europe (although often less expensive than you think, and very often less expensive than flying);
  • and our network of train stations is more limited, with routes that typically either feature very frequent stops or very infrequent stops.

So, I decided to investigate if it's possible to replicate something like what I did in Ukraine, and if so, at what cost?

Back and forth

Due to less frequent US train schedules, the easiest way to do what I'm describing is simply to go back and forth on the same route. Head north, south, east, or west one night, and head back the next night.

For example:

  • Northeast Regional 65/67 southbound from Boston to Richmond, leaving 9:30 pm and arriving 9:29 am, and Northeast Regional 66 northbound from Richmond to Boston, leaving 7:00 pm and arriving 7:58 am, roundtrip (2 nights) from $166;
  • or City of New Orleans 59 southbound from Chicago to Jackson, MS, returning on City of New Orleans 58, roundtrip from $196.

This is, obviously, a pretty boring way to travel since you'd be bouncing back and forth between the same cities. It is cheaper than a typical downtown hotel, though, at less than $100 per night.

Hub and spokes

A more interesting way to sleep the rails would be starting at an Amtrak hub and taking individual routes out and back each day. This would give you the benefit of a little variety in your site-seeing. Amtrak, unfortunately, is a little short on hubs, with the only ones I can think of worth mentioning being Chicago (11 routes), Los Angeles (5 routes), and New York (14 routes). New Orleans is another possible option with 3 routes.

I think all three hubs are fairly promising, depending on the part of the country you want to see. For example, from Chicago you can overnight to Denver on the California Zephyr ($97), Pittsburgh on the Capitol Limited ($57), West Virginia on the Cardinal ($62), Memphis or Jackson on the City of New Orleans ($86), North Dakota on the Empire Builder ($102), Buffalo or Rochester on the Lake Shore Limited ($59), Colorado on the Southwest Chief ($102), or Texas on the Texas Eagle ($98).

Circle the country

To circle back to my original anecdote: is it possible to spend time around the country while spending every night on a train, instead of in a hotel?

The short answer is no: long-haul train schedules are too infrequent in the United States to give people the opportunity to arrive in the morning and leave the same night on most routes. Here's one option I found that illustrates the network's limitations:

  • Empire Builder westbound from Chicago, leaving 2:15 pm and arriving in Portland 10:10 am 2 days later;
  • Coast Starlight southbound from Portland, leaving 1:50 pm and arriving Los Angeles 9:00 pm one day later;
  • Sunset Limited eastbound from Los Angeles, leaving 10:00 pm and arriving in New Orleans at 9:40 pm two days later;
  • Overnight in New Orleans;
  • City of New Orleans northbound from New Orleans, leaving 1:45 pm and arriving in Chicago at 9:00 am the next day.

The route described above would cost, if booked sufficiently far in advance, about $483, and would take 7 nights to complete, from beginning to end, although you'd be on the hook for one night in New Orleans. That would give you a cost per night spent in the coach car of a train of $80.50. Not a bad deal, and a much better set of views than a roach motel in Chicago (I've seen my fair share).

Don't forget Amtrak unreliability

Of course, the stylized route above assumes that four different Amtrak trains all run on schedule. This will not happen, because Amtrak trains don't run on schedule. On most versions of this run you would end up spending many more nights on trains than I indicated, which would drive down your per-night cost of sleeping on Amtrak trains.


Unfortunately, American cities and Amtrak routes aren't very accommodating to the kind of tour I was able to take of Ukraine. Only rarely are cities served by the kind of morning and evening trains that are typical in Eastern Europe. But if you have to spend 10 days in the United States waiting for a consular official to stamp a visa in your passport, remember that we do have trains, and you can see a lot of the country in 10 days without spending very much money.

What to expect when you're expecting your first music festival

There's a storied tradition of bloggers not doing any research ahead of time and then making a series of predictable unforced errors. Bengali Miles Guru filed a classic of the genre about a last-minute jaunt to Cuba (Cuba is not a place you want to go on a last-minute jaunt). My own humble entry about the rotting cruise port of Galveston, Texas, belongs in the same category, and received so much heat from the upright citizens of Galveston that I was finally compelled to close the comments (do go read them though, if you want a laugh).

Most years I try to make it back to my hometown for the Western Montana Fair, and this year due to a stroke of luck the indie rock band The Decemberists inaugurated an annual music festival in town, so we got some tickets to that as well. I'd never been to a music festival before, but with two of my favorite bands on the schedule I was optimistic that it would be a good time.

In true blogger fashion, I didn't do any research ahead of time. While we had a good time, I learned a few lessons that would have been helpful to know 24 hours ahead of time. Here are a few.

1. Read up on the rules

Americans love nothing if not rules, and this festival had a lot of them: no outside beverages (ok, makes sense), no outside food (makes less sense), no umbrellas, no drones, low-profile single chairs allowed, larger chairs forbidden, cell phone recording allowed, professional recording prohibited, and so on.

I met someone who had been to another event at the same venue the previous week, and for that event umbrellas were allowed. Basically, each festival has different rules, and your strategy should depend on the specific rules of the festival you're attending.

2. Bring water vessels

While outside beverages were prohibited, bringing in empty water containers was allowed. Seeing this, I packed my little 16 ounce water bottle, figuring a big outdoor venue would have water fountains sprinkled throughout.

Big mistake. While water was available, there were just two small drinking fountains (an additional filling station was added later), and thousands of people waiting to fill up their containers. Unless you want to spend the whole festival waiting in line, bring lots of big bottles and fill them all up at once.

3. Strategize meals

Festivals that prohibit outside food are trying to get you to buy from the food vendors on-site. If there are multiple good vendors, that's not necessarily a problem. But if you have any kind of allergies or food restrictions, you may be limited to just one or two vendors. If that's the case, you might be best off having a big meal before getting to the festival and planning a late supper after leaving, for instance.

You can also strategize the timing of your meals. If there's a big act everyone is waiting to see, lines at food vendors may be shorter. Likewise immediately after a big act, everyone who was waiting to eat might decide to rush the food vendors all at once.

4. Bring something else to do

If you're going to spend all day trapped in a park with strangers, you may start to feel overwhelmed. Bring a book, newspaper, or knitting for when you need to sneak away and reset.

5. Bring seating

This was probably the biggest bone-headed move I made this weekend. The festival explicitly allowed chairs to be brought into the venue, but I figured, "I'll just sit on the grass."

It turns out sitting on the grass for long periods of time is insanely uncomfortable. You can sit cross-legged and ruin your posture, or lean on one arm or the other and torture your wrists or elbows. A $10 folding chair is the best investment you can make in a 9 hour day of music.

6. Be open-minded, tough, and fair

This goes for everything in life, not just music festivals, but I was still surprised by how much I was surprised at the music and performers. I had seen The Decemberists live once before and knew more or less what to expect from them, but one of my favorite bands, Belle & Sebastian, were also playing at the festival and I was shocked that their live performance sounded nothing at all like their studio albums.

Now, that may have been unfamiliar equipment, or the absence of post-production techniques, or they might have just been having a bad day. But the lesson is: don't pin too much hope on a single performer fulfilling your every dream, and give unfamiliar performers the chance to impress you, too!


Those are a few of the things I wish I'd known before going to Travelers' Rest (and could have learned with 5 minutes of light googling before going). I'm sure my more experienced readers have pro tips of their own for surviving and thriving at music festivals.

Breaking even with IHG Rewards Club Spire elite status

Last week I wrote about the possibility of using IHG Rewards Club as the primary hotel loyalty program for a reimbursed business traveler. In that post I considered only the Platinum elite status that comes with the IHG Rewards Club credit card. But of course IHG has a newish top-tier status, called Spire.

In the comments, reader Just some guy mentioned one popular way to achieve Spire status:

"Virgin Atlantic points are easy to acquire, and when transferred to IHG are elite qualifying. Every year that you hit 75k elite qualifying points, your status will be raised to Spire and you'll be gifted an additional 25k points.

Spend 32k of those points on Intercontinental Ambassador status and you will be given 5k points back and a buy one weekend night get one free certificate. Ambassador status gets you a guaranteed upgrade at intercontinental hotels."

There are a couple things here worth unpacking. Let's get started.

What is IHG Rewards Club Spire elite status worth?

Spire elites earn a 100% bonus on base points earned on paid stays, for a total of 20 points per dollar spent, and paying with an IHG Rewards Club credit card earns an additional 5 points per dollar. Updating the chart in last week's post, that gives the following comparison between Hilton Honors Gold, Marriott Silver, and IHG Spire status:

The way to read this chart is that an IHG Rewards Club member with Spire status has to spend less on paid stays than a Hilton Gold or Marriott Silver member to receive a free night at hotels in similar tiers. Note that this only applies to paid stays! If you're looking exclusively at credit card spend you need to use imputed redemption values, a completely different calculation.

Since Spire status can be acquired by transferring 75,000 Virgin Atlantic Flying Club miles to IHG Rewards Club, and Virgin Atlantic Flying Club is a transfer partner of Chase Ultimate Rewards, American Express Membership Rewards, and Citi ThankYou points, it's relatively easy to calculate how much you need to spend at IHG properties to justify buying Spire status.

Here's the math: 75,000 flexible points transferred from any of the 3 currencies translates into 100,000 IHG Rewards Club points, for the reason Just some guy mentioned. 100,000 IHG Rewards Club points are worth at most $700 — the amount they'd cost if you used the Points + Cash trick discussed in the comments here (you can usually find prices as low as $600 for 100,000 points, but $700 is the "standard" price). For the same reason, the additional 5 Rewards Club points per dollar spent you earn as a Spire elite are worth 3.5 cents.

The amount of money that has to be spent on paid IHG stays to break even is the difference between the value of the flexible points transferred and the value of the IHG points received, divided by the value of the additional points earned as a Spire elite. The more valuable your flexible point redemptions, the more you have to spend as a Spire elite to break even, as this chart shows:

So a Chase Ink Plus cardholder who redeems Ultimate Rewards points for 1.25 cents each and who transfers 75,000 points to Virgin Atlantic is spending $937 for $700 in value. To make back that difference, they'd need to spend about $6,750 at IHG properties, which would earn 33,750 in "extra" Spire points compared to a Platinum elite — worth $237, the difference between the amount paid in Ultimate Rewards points and the value received in IHG Rewards Club points.

One more point: once you've reached 75,000 Elite Qualifying Points, you'll receive Spire elite status naturally. That means the values above are only for spend up to the point where you'd qualify for Spire anyway. If you spend more than $7,500 at IHG properties per year ($15,000 at extended stay properties), you're almost certainly better off simply acquiring Spire status through your normal spend.

Alternatively, you can wait until the end of each calendar year to determine how far you are away from keeping Spire status, and only transfer the number of flexible points needed to maintain your status for the next year.

If you do pursue that strategy, keep in mind that points earned with the IHG Rewards Club credit cards do count as elite qualifying points. That means each point you earn with credit card spend is a perfect substitute for your flexible points. That's not terribly relevant for unbonused spend since the card earns just 1 Rewards Club point on unbonused spend. At IHG properties, however, the card would effectively earn 5 Ultimate Rewards, Membership Rewards, or ThankYou points per dollar spent, since it would save you that many flexible points at the end of the year.

What is InterContinental Ambassador status worth?

Besides late check-out (a benefit I personally value enormously but isn't, strictly speaking, worth anything) InterContinental Ambassadors also get a buy-one-get-one-free weekend night. Again, it's easy to determine the value of the free weekend night:

  • 27,000 Rewards Club points cost $189 (32,000 points cost $224 but Ambassadors should receive a 5,000 point voucher — I've seen mixed reports on this question so am giving both values);
  • InterContinental properties top out at 60,000 Rewards Club points, which cost $420 at 0.7 cents each;
  • So a free weekend night is worth using if the property's "Ambassador Weekend Rate" is below $659 but above $189.

If a property's Ambassador Weekend Rate is above $659 per night, you should just buy (up to) 120,000 Rewards Club points and redeem them for two nights. InterContinental properties in lower tiers will cost even less.

If a property's paid rate is below $189, you should pay the paid rate for both nights and not bother with Ambassador status at all.

For nightly prices in between, you'll save money by paying the paid rate for one night and $189 in points for the second night.

Adjusting these values for the value of points earned with Spire status on paid stays is an exercise left to the reader.


Just as I concluded last week, IHG Rewards Club (and InterContinental Ambassador) appear to offer great value to folks with a lot of paid travel that they're able to direct to IHG properties. The ability to "top up" your status each year by transferring flexible points first to Virgin Atlantic, and then to IHG, is an additional advantage of the program over the other large hotel loyalty programs.

On the other hand, leisure and budget travelers are likely better off sticking to programs with more valuable points or points that can be earned more easily, like Hilton, Hyatt (through Chase Ultimate Rewards), and Starwood Preferred Guest.