The Power of Credit Card Points | Points to iPhone 13

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Until 11/30/2023, Chase Ultimate Rewards Points is worth 25% more if you buy selected Apple products through the Chase Portal. This promo was so timely since I needed to upgrade my phone that dies after 2 hours of light use. This is a deal I could not afford to pass. I just found this out by accident when I was exploring for deals inside the Chase's website. I was so stoked that I just needed to document this. It literally blew my mind. I have never thought that my credit card points would buy me a new iPhone let alone…

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Credit Cards that we actually (and will) need:

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Chase Sapphire Preferred (Points for Food and Travel*) Chase Freedom Flex (5% Categories) Discover It (5% Categories) Bank of America Customized Cash (Back-up Cash Back--3%) Amex Blue Cash Preferred (Main Cash Back--6% Groceries and Streaming, 3% Transit and Gas) - this one I still need to apply Amex Gold Card (Points for Food and Travel*) - this too I still need to apply BILT Card (Rent payments) - this I need to apply as well Reviewing my credit card strategies because I was distracted by trash cards that are mediocre at best. This disruption on my credit card strategy was…

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The immediate culture and the privilege of choice.

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Many of the people here in the US do not understand how fortunate they are to be in this country. My face flush with hate when I hear them complain about small inconveniences and pain. Let's talk about pain a little more. No one likes to be in pain, but our reaction towards pain is in our control. It's the 5th vital sign but it's the only parameter that is subjective among the five. Even if we put numbers to measure it, we get different levels on the same type of pain on different people. I noticed that people here…

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Following You

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The more efficient way to live life is to live it with intent, to live it the way you specifically wanted it. Acknowledge that people--especially those who are around you, your friends or loved-ones, may have their own opinions, but their opinions should not hinder you from standing for your own. By all means follow your way, it'll make you feel better. And if at some point you noticed that "yours" did not work, take full responsibility and learn from it. Experience pays better than trepidation. They may follow you if they want to, but for you, the easier path…

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Stories we believe as true.

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We tell ourselves stories. These stories, whatever they may be, are something we perceive as truth--our truth. And when someone tries to convince us otherwise--their truth, we see them as fools. This is the reason why presenting a change is hard, it creates tension, it disrupts our belief system. Rather than opposing against the original truth, present the change as a different truth. A story we can easily tell to ourselves.

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Life Stages

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Life is about stages. Having to experience some of these stage and read about them. I find that these are main stages the we, as humans, follow: Learning to Make Making to Earn Earning to Live Living to Die

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Taming Our Fears

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The other night I thought about fear. A powerful emotion closely related to shame but actually more intense than anger. I was recollecting a conversation with a friend about driving and I thought of what I did before when I was having that same issue. I realized that more of us are actually fearful of something we have not experienced yet. And the only way to get through it is to go ahead and do it. The more we spend time worrying, the lesser we spend on doing. We create more and more excuses on not doing if we think…

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