Trips – Newby to Expert Traveler

Points Check April 2024

Posted on May 5, 2024 by David Cox in Trips

April had us recovering from our trip to Costa Rica, and had us planning a camping trip to Canada. Believe it or not, I’m 49 years old, love travel, live only a few hundred miles from the Canadian border and I’ve actually never been there. I don’t exactly know why, maybe I was thinking that it’s just a slightly more polite America with weird ideas about french fries. Anyway, it’s about time we hitched up the camper and found out what Canada is all aboot.

We found a little campground in a park on Lake Ontario in Hamilton, Ontario where I booked a week with full RV hookups for about $300 in July, which seems like a pretty good deal. Hamilton is a nice halfway point between Toronto and Niagara Falls. It seems like a really great place to relax as well as visit both of those places. Can’t wait to try all of those exotic, um, donuts?

Patience Pays Off (A Little)

I have a friend getting married in Montana in June. I’m meeting a group of my high school friends there, but booking an award flight there is less than ideal. The biggest reason for this is that in order to book award flights without using a ton of points, you want to be flexible with both dates and location. Obviously, for a wedding I couldn’t be flexible with either of those things since apparently I can’t get them to adjust the date and location for me.

The other reason was that I was going to be flying from a small airport to a small airport. This was definitely going to be challenging to book for a reasonable number of points. The first day I started to look, booking round-trip was going to cost about 70,000 miles. For the most part, the only options were going to be American Airlines miles or United Miles.

Generally this is the kind of redemption that is going to be better on American Airlines, because they don’t seem to punish you for flying from a small airport as much as United does. And as it turns out, this was the case here as well. I was able to book the flight home on Tuesday for 23,000 miles. After struggling to find a good deal on the flight out and waiting a few weeks, I was able to book the flight out on Friday for 22,000 miles, when American dropped the price by about 20,000 miles.

The cash price for this flight was a little over $600 so I managed to get 1.3 cents per point value for this flight, which isn’t great (The Points Guy values AA miles at 1.6 cents per point), but given then fact that I had no flexibility, I’m not mad about it.

Both of these flights are fully cancelable, so I will continue to check to see if I can find a cheaper alternate. There really isn’t any punishment for rebooking at a lower price, so if I can save a few points, why not?

Jenn Hit Her Business Connect Signup Bonus

Jenn hit the signup bonus on her US Bank Business Altitude Connect card and earned the $600 bonus. She earned an additional $100 over the time when she was reaching her spending requirement which was $6,000 over 6 months. This means she earned over 10 cents per dollar spent, which is pretty good.

On to the points Check!

Card Used	Spend	Points Earned	Point Value	Points Per $	Return on Spend
Capital One Venture	$688	1,377	$25.47	2.0	3.7%
Ink Cash	$529	2,626	$53.83	5.0	10.2%
Wyndham Business Earner	$265	1,326	$14.59	5.0	5.5%
Marriott Bonvoy	$238	910	$7.64	3.8	3.2%
Total	$1,720	6,239	$101.54	3.6	5.9%

This month’s spending not devoted to earning a signup bonus

Aside from the spending in the above chart. Jenn spent $725 dollars on her US Bank Business Altitude Connect card and earned $10 cash back plus the $600 signup bonus. Jenn also spent $2,300 on her Amex Gold Business Card, most of which went to the purchase of a viola for our son, after renting one for something like 8 years. Maybe we should have done that sooner. She earned over 2,600 Membership Rewards points for those purchases. I spent under $1,700 on my American Express Gold card earning 5,800 Membership Rewards points. We also earned 15,000 Chase Ultimate Reward points on a referral bonus.

After redeeming 45,000 American Airlines miles for my flight to Montana, we are left with 277,900 Ultimate Rewards points, 80,200 American Airlines miles, 77,600 Capital One miles, 38,800 Citi Thank You points, 34,900 Marriott Bonvoy points, 25,000 United Airlines miles, 11,400 Wyndham points, 10,400 American Express Membership Rewards points, 6,900 Hyatt points, 5,100 Delta Skymiles and $790 in cash back. Using the valuations from the Points Guy, the total value of our points, miles and cash back is over $10,800.

Hacienda Alsacia Coffee Farm

Posted on April 22, 2024 by David Cox in Trips

Hacienda Alcascia coffee farm is the only coffee farm in the world owned by Starbucks. Its a beautiful farm located on the southern slope of Poas Volcano about a 30 minute drive north of San Jose Airport in the Alajuela province of Costa Rica. Besides being an operating coffee farm, they also offer tours and have a gift shop and cafe.

Classic truck between parking lot and cafe

When we decided to go to Costa Rica, and knowing that we had an Airbnb in a major coffee producing region of Costa Rica, we knew that we would want to visit a coffee farm at some point. Since I personally drink about 2 gallons of coffee a day, I thought visiting a farm would be nice.

Wall art showing coffee growing regions of Costa Rica

I looked at quite a few local coffee tours, but Jenn found out that there was a Starbucks farm near where we were staying and suggested that. I was a little snarky about it, saying “Oh great, we’re going to go to Costa Rica to visit Starbucks. I mean, they’re so hard to find in the US.” In retrospect though, Jenn was right. This place was spectacular and if you’re anywhere near this, its an absolute must visit.

Coffee Bean Sacks on display near entrance

Starbucks History

A massive sliding door on the backside of the cafe has a sketch of the first Starbucks in Pike Place Market Seattle

Starbucks was formed in 1971 at Pikes Place market in Seattle. Since that time they have grown to over 35,000 stores worldwide. In my mind, Starbucks is largely responsible for getting Americans to drink flavorful coffee again. I can remember a time when Americans would only drink coffee flavored water produced by Maxwell House, Folgers or even Sanka. In the same way that the Boston Beer Company paved the way for microbrewers, Starbucks created a market for so many coffee shops and roasters in the US. My taste buds definitely thank Starbucks for that.

We’ve been to the Starbucks Reserve Roastery in Chicago, which I would recommend if you are in Chicago. It is one of 6 reserve locations throughout the world. While the Hacienda Alsacia farm is not one of these reserve locations, it has a very similar feel. The architecture is modern and clean. There is art everywhere you look and everything is meant to enhance the experience with your cup of coffee.

The Cafe and Gift Shop

They chose a phenomenal location for the coffee shop and gift shop. It is perched on a what is essentially the southern slope of Poas Volcano, with the building cantilevered over the slope. There is a huge bank of folding glass doors that when opened completely expose the cafe to an amazing view. That viewpoint is perfectly centered over a valley between two ridges. Adding to the amazing view is a waterfall coming off the ridge on the right hand side.

A large square shaped bar area is in the center of the cafe area, with a variety of baked goods on display. There is quite a variety of seating areas in the cafe, nicely spaced out. The seats that were in the highest demand, of course were along the railing which overlooks the valley.

Waterfall on right hand side when looking out of the cafe.

On top of the amazing views, that the building is located at an elevation that in Costa Rica virtually guarantees pleasant temperatures. We were there on a crystal clear day, but I would imagine that fog probably isn’t uncommon in this area. Either way, I would imagine the sliding wall of glass doors is probably open most of the time.

We sat down in an area with couches near the railing. I ordered a pour over coffee, which I assumed meant a drip coffee, which it apparently isn’t. Pour over coffee is when they put the coffee grounds into some sort of filter and then pour hot water over it. I’m still not sure how this is different from a drip machine, but apparently I’m a knuckle-dragging moron when it comes to coffee.

There is a microroaster in the gift shop which both produces the coffee beans in the gift shop but also is used to demonstrate the roasting process for the tours.

Either way, what I got, after a painfully long wait (I need my caffeine!), was probably the smoothest cup of coffee I’ve ever drank. I normally use creamer, but they gave me a little bit of cream and some sugar, which I used at first. However, this coffee was so good that eventually, after I ordered a second pour over, I just drank it black.

I don’t know if it was the Costa Rican beans, the pour over method, or the roast itself, but that was probably the best regular cup of coffee I’ve ever had.

The Grounds of the Farm

After we had our fill of coffee and snacks, we decided to walk around the property a little bit. There is a decent amount of the property that they allow guests to roam, even without paying for the tour.

There is a building behind the cafe that is used to process the coffee fruit into coffee beans.

If you continue walking toward the back of the property there is a tree nursery.

There is patio area in the back that allows you to get a really great view of the cafe as well as great views of the valley.

Much of the displayed art at Hacienda Alsacia are tributes to the farmers of the region.

Starbucks Hacienda Alsacia Farm Tour

Hacienda Alsacia offers a tour at the facility. It takes about an hour and a half to complete and costs $30 for an adult, $25 for students and $25 for seniors. Children under 6 years old are free.

The tour covers their tree nursery as well as their processing areas and the microroaster. We chose not to do the tour. Without the tour you actually can see a lot of the areas that are covered in the tour, but I imagine that you would get a much better understanding of the history and the process of making coffee by doing the tour. Two Weeks in Costa Rica has a very well written post about this tour if you are looking for more information.

Other Considerations

If you are planning to come to Hacienda Alsacia, I would recommend pairing it with either a visit to the Poas Volcano National Park, or to La Paz Waterfall Gardens Nature Park. Both of those parks are still a half hour drive from Hacienda Alsacia, but by Costa Rican standards, that’s actually a pretty quick drive.

If you take the tour, you’ll probably be there for 2 to 2 1/2 hours, assuming you’ll stay for a coffee and visit the gift shop. If you’re not doing the tour, it’ll probably be an hour to an hour and a half so keep that in mind.

There is plenty of parking, with a paved lot on site and a gravel overflow lot across the road. and parking is free.

We had a great time at Hacienda Alsacia. The views are amazing and the coffee is delicious. They did an absolutely fantastic job creating an experience for coffee fans to enjoy a cup of coffee while learning something about the process of making this magical drink. I would highly recommend a visit.

Visiting the Breathtaking Blue Falls of Costa Rica

Posted on April 14, 2024April 18, 2024 by David Cox in Trips

The Blue Falls of Costa Rica are a group of seven gorgeous waterfalls set on a tributary to Rio Toro. The river is fed by runoff from the northwest slope of Poas Volcano and is a seemingly unnatural shade of blue due to a high concentration of aluminum sulfate. This aquamarine colored water flowing over rocky terrain makes for an unbelievable landscape of pools, waterfalls and rapids.

There is a tour company that maintains the Blue Falls as well as Catarata Del Toro, which is another waterfall on the same property, but it is on Rio Toro, not on the tributary where the Blue Falls are located. They take admission for both attractions and have a station where you can pay, use the restrooms and potentially get some food, although the snack bar was not open the day we were there.

When we arrived at the visitor center, we were greeted by a gentleman who asked us whether we would be doing Catarata Del Toro, the Blue Falls or both. We paid for the Blue Falls, and he gave us our wristbands for entrance and instructions to go back to our cars and drive up the road a bit and park in a different lot and enter there.

The first river crossing is literally a few inches wide. Only 2 people are allowed on this bridge at a time.

The crazy thing about this gentleman was that, while we were standing there, he also was giving instructions to other hikers and I’m not 100% sure, but it sounded like to one group of hikers he spoke in Dutch (maybe German) and another in French while he was talking to us in pretty flawless English. I’m pretty sure he probably speaks Spanish as well, but the fact that he was just switching back and forth between languages that quickly was amazing to me. I asked him how many languages he knew, and he just responded humbly with “oh, a couple”.

This was early along the road, as you continue to walk the rocks have been moved into the center of the road to operate more like a sidewalk.

We moved the car to the parking lot by the Blue Falls entrance and began our hike. There is a dirt road to follow for the first half to three quarters of a mile. The dirt road had basically turned to mud, which I’m sure is the case a lot of the time. There was a row of stones in the center where most people walk to avoid the mud.

Little “sidewalk” like rock formation to help hikers stay out of the mud

At the end of the road, we came across some signs pointing to where to find the falls. Three trails to the left – La Pintada, La Turquesa and La Celestial, and three trails to the right – Poza Azul, Las Gemelas, and Tepezquintle. Las Gemeles is one trail with two waterfalls.

La Celestial Waterfall

Makeshift stairs on the trail to La Celestial

We decided to visit La Celestial first. Once we started to hike down the actual trail to La Celestial, the trail became more like forest stairs for lack of a better term. The trail has been altered to be more like steps. As wet as this area is, I assume that without the steps it would be incredibly slippery.

There are metal stairs on the trails where the trail would be too dangerous without them.

There were other sections that had some makeshift metal stairs and railings. As we got closer to the falls, the steps made way to boulders. As we descended down the trail, the sound of the waterfall grew in intensity until finally the waterfall appeared in view.

La Celestial waterfall taken from the end of the trail

La Celestial is fairly wide with quite a bit of water coming over it. It’s probably about 30 feet tall and has a bit of a pool under the waterfall. I don’t know how deep the pool is because, I didn’t get more than about waist deep there.

The water is fairly cold, which wasn’t unexpected, since it is running off of a mountain, but it’s not so cold as to want to avoid it completely.

A group of rocks about 50 to 100 feet from the falls creates a pool under and near the falls which you can swim in.

We hung out there for about 15 minutes enjoying the waterfall and the cold water and then decided to go back to the trail to head over to our second waterfall, La Turquesa

La Turquesa

The trail down to La Turquesa seemed much easier than the trail down to La Celestial. There still was quite a bit of steps on the way down, however, once we reached the river, we came across a metal structure with a ladder. There was a guide there to greet us.

A fairly typical trail at Blue Falls. It’s been altered to be more like steps,

In order to get to La Turquesa, you have to cross the river. The guide showed us the right place to cross and helped us through some of the more treacherous parts of the trail, which at this point mostly consisted of stepping on wet slippery rocks.

Guide helping Jenn across the river on the trail to La Turquesa

There is a fairly brisk section of rapids that we needed to climb over to that was the last main obstacle to getting to the falls. In this section, we had to climb over a boulder to get there. The guide was very helpful in making sure that none of us slipped on the boulder.

You need to climb over this boulder to get to La Turquesa.

The reward for this hike is a probably one of the shorter falls here, but it has a really nice pool area where you can kind of relax a little and swim, if you can stand the cold water. I got in up to my neck, but Alex actually dunked his head. Emma bet him $5 he wouldn’t do it.

This was a really calm and relaxing area to hang out in. We stayed for a little while and then decided to head back to the trail and go down one last trail.

Las Gemelas

We headed back up to the main trail, and we knew that we probably only had one more trail left in us. The hiking at the Blue Falls is somewhat challenging and some fatigue was beginning to set in. Jenn suggested we see Las Gemelas (The Twins). It was a great choice.

A metal bridge over the river at La Gemelas

Once we got down to the river from the main trail, we were greeted by a narrow metal bridge.

Once you crossed that, the trail mostly stayed dry on the left side of the river as we approached the first of the two twins.

One of the falls at Las Gemelas. — The first of the falls at La Gemelas

This was easily the tallest of the waterfalls we had seen that day.

Once you walk closer to the first of the twins and can see further down the river, the second of the twins appear in view.

There is a location on the left side of the river, where both waterfalls can be seen simultaneously. This is a surreal spot.

Standing where both of La Gemelas can be seen.

At this point of the day we were pretty hungry and tired and were ready to head back. We hiked back to the main trail and then to our car.

Getting to Blue Falls of Costa Rica

We drove to the Blue Falls from Grecia, but in general if you are coming from San Jose or the Central Valley you will be coming over a fairly tall ridge on Ruta Nacional 708 from the south. I mention this for one specific reason, that is the steepest section of road I have ever driven on.

The steep section I’m talking about is a very new road, but as we were descending the mountain, I suddenly got terrified because I knew I would have to drive back up this mountain, and I rented a Geely GX3. It has a not at all impressive 102 horsepower, and I had 4 full-sized Americans that had to ride in this car up this insane grade. Long story short, we made it, it was terrifying and my speed going up this grade was about 5 MPH with the pedal on the floor. I would suggest maybe a more powerful car if you are going to attempt this drive.

Much of the drive is typical of rural Costa Rica with narrow roads, switchbacks, and limited visibility. We did come across some pretty sketchy bridges made of wood near the end of the drive. At one point I asked Jenn “Was there a hole in that bridge?” She replied as calmly as she could “Yep.”

If you are coming from La Fortuna, you will probably be coming down from the north, so you wouldn’t have the steep grade that we had to deal with. That being said, I have no experience with the roads from La Fortuna, so I don’t know what they are like.

What to Wear at the Blue Falls of Costa Rica

You need to be prepared to get wet and muddy. You also need to have shoes that don’t slip. This does present a challenge for me, because frankly I’m a big fan of wearing socks and you’re not going to want to wear socks. They are going to get wet and your feet are going to prune, and you will be hating your life decisions.

Rocks are wet and slippery. Make sure your shoes grip properly.

You will also be walking on some extremely slick rocks. Having a pair of water shoes that have excellent grip that you can wear in the water is essential. They should also be a good fit, because as you can imagine, wearing ill-fitting shoes on a hike without socks can cause blisters in a hurry.

The alternative to water shoes is to do what the guides do and wear rubber boots. I’m pretty sure the guides know what they are doing, so following their lead can’t be a bad idea.

As far as your clothes are concerned, again you need to take into account the fact that you are both hiking and swimming. A swimsuit might not cover as much as you want when you are hiking and hiking clothes might be too heavy and uncomfortable once you get them wet. I settled on a quick dry shirt and a pair of board shorts. That seemed to be a pretty good compromise. Keep in mind the trails are pretty well maintained so you probably don’t need to cover your legs from things like thorns.

Other Considerations

We didn’t plan out our day very well. We had a light breakfast before driving an hour to get to the falls. A couple of hours of hiking had made us pretty hungry and we had not brought anything to eat. We basically quit out of fatigue, but if we had decided to do all of the falls, it would have taken us a bit more time and we would’ve been extremely hungry.

I would recommend packing a lunch if you want to do the entire Blue Falls hike. I think you could probably do the whole hike in 2 or 3 hours, but honestly, why are you hurrying? It’s beautiful, chill out and swim in the pools for a while. If you’re really enjoying the hike, I would think it would take you at least 4 hours, maybe longer, and with the amount of calories you’ll be burning with constantly going up and downhill, you’ll probably want something to replenish your energy.

I took along a regular backpack, but this is a very wet area, and the chance of accidentally falling into the river is fairly high. I would recommend using a dry bag or a dry backpack. I was carrying everyone’s phones in my backpack, so had I fallen, it might’ve been a really bad day. A dry bag would prevent that.

At the beginning of the hike, they will offer you a hiking stick. Take it! It must’ve saved me from falling a dozen times – its slippery out there!

Also, keep in mind you are in a forest in Costa Rica – if you have ever needed bug spray and/or sunscreen, you will need it here.

How Much Does the Blue Falls of Costa Rica Cost?

Entrance fees for the Blue Falls of Costa Rica is $17 USD per person. If you plan to also visit Catarata Del Toro, then a combo ticket costs $25 USD per person.

For more information visit the Catarata Del Toro/Blue Falls website.

Using the Lodge

Where you pay to get in, there are a bunch of tables where you can eat. There is a snack bar, but it was closed that day, so I’m not sure I would count on them having food available.

There are a couple of bathrooms in the back, and we used them to change our clothes after the hike. Pretty much anywhere you go when you leave the Blue Falls is going to be a long drive and you’ll want to be dry for that drive. Also, there aren’t any bathrooms on the trail itself, so you might want to use it before you head onto the trail.

I don’t know if tipping is customary, but we did leave a tip with the gentleman who was running the front desk. He asked us who the tip was for and we just let him know what falls we hiked at and he was happy to give the tip to the guides who were working those falls.

There is a hummingbird feeder in the lodge that gets a ton of activity with some very aggressive hummingbirds. Make sure you take a few moments to enjoy the hummingbirds as well.

Conclusion

If you have an opportunity to hike at the Blue Falls, jump at it. This was, by far, the most beautiful hike I have ever been on. Keep in mind that you should be in pretty reasonable shape to do the hike. It is wet, steep, and your balance will be challenged constantly.

Make sure that you come prepared and enjoy the beauty of Costa Rica. Pura Vida!

Unwinding in Playa Hermosa

Posted on March 24, 2024 by David Cox in Trips

Playa Hermosa is a small, laid back beach town along the Pacific coast in the Guanacaste region of Costa Rica. The sand on the beach is a little darker than you might expect because of the volcanic rock that helped form Costa Rica over millions of years. The bay around Playa Hermosa is crescent shaped and creates some stunning views, especially at sunset. It also makes for a nice stopping point for flights in or out of Guanacaste Airport.

Playa Hermosa is a Great Stop after Landing at Guanacaste Airport

The reason why we stayed at Playa Hermosa was simply that we didn’t want to drive at night. We had about a 3 to 3 1/2 hour drive from Guanacaste Airport to our Airbnb in the Central Valley near Grecia. Even though we landed around noon, by the time we got through passport control and customs, took the shuttle to the car rental place and finally got the keys to the rental car, it was around 2:30.

The problem with Guanacaste Airport is that almost all of the planes from the US and Canada (which are the majority of planes landing there) arrive between 10:30 and 2:30. Also, the airport itself isn’t really near many tourist spots. A lot of the typical stops for tourists are a bit of a drive from the airport:

La Fortuna – 2.5 to 3 hour drive from the airport
Monteverde Cloud Forest – 2.5 to 3 hour drive from the airport
Jaco – 3 to 4 hour drive from the airport
Central Valley – 3 to 4 hour drive from the airport

Driving at night in Costa Rica, if you aren’t familiar with the area that you are driving, can be tricky to say the least. Between the fact that the roads are narrow, curvy and unlit, the lack of street signs, and the fact that there are always people walking in the road, you might just want to drive in the daytime, at least at first.

Lodging in Playa Hermosa

For being a pretty small travel destination there are a number of choices of places to spend the night in Playa Hermosa, all of whom are small operators (your Marriott Bonvoy and World of Hyatt points are useless here). For more expensive hotels, there are some villas on the north side of Playa Hermosa and Hotel Bosque del Mar on the south end. We stayed in the center of Playa Hermosa where you will find some modest boutique hotels.

We stayed at Huetares Hotel and Villas. It had a nice pool area, which we really enjoyed. The rooms were spacious but a little rundown, which didn’t bother us too much since we were just sleeping there one night and then moving on. Our room had two full bathrooms and two bedrooms, each bedroom had a single and a double bed. It also had a kitchen area which would’ve been nice if had stayed longer.

There was a questionable shower there with exposed wiring. At first I didn’t understand why there was wiring on a showerhead, but I think it was an instant water heater showerhead. Either way, I’m not sticking my head under a showerhead with exposed wiring – luckily there were two bathrooms and two showers, so we didn’t use that sketchy thing.

Yeah, I’m not taking a shower under this thing. I don’t feel like dying today.

Swimming at the Beach

The sand at Playa Hermosa is fairly pleasant. It’s not a white Cancun style of beach, this is a little darker with volcanic sand mixed in. This makes the water appear dirtier than at a white sand beach, but its really that the sand is just darker.

There is a first row of trees on the edge of the beach, then a path and then the rest of the trees which allow you to walk the beach in the shade.

The water is about as warm as at any beach I’ve been to. It was very pleasant to swim in and we did see a bit of fish activity while we were swimming. The waves were fairly gentle to moderate which also made swimming very pleasant.

Wildlife in Playa Hermosa

In the short amount of time we spent in Playa Hermosa, we spotted quite a bit of wildlife. At our hotel, we spotted an Iquana that was probably 2-3 feet long. There were also quite a bit of tropical birds that were flying around and chatting to each other. The squirrels that we saw were grey and reddish orange.

Two howler monkeys in a tree. You can also see in the tree, a couple of wires. That is the monkey bridges that have been built to allow the monkeys to cross the roads without having to use electrical wires or walk across the street.

What you really need to go looking for are the howler monkeys. If you don’t know where they are, don’t worry, you’ll hear them. I don’t know how many of them live in Playa Hermosa, but there are at least a dozen who spend a lot of time at the tops of the trees. Howler monkeys are known for being loud with calls that can be up to 140 decibels. We had a lot of fun watching them in the wild and they weren’t in the least bit concerned with us.

Dining at Sunset

Playa Hermosa is located on the west coast of Costa Rica, making it a beautiful place to watch sunsets. There are also a handful of restaurants along the beach making it a great place to have dinner on the beach while watching the sunset.

The majority of the seating at Aquasport is in the sand, which is exactly where you want to sit.

The restaurants that I noticed while we were there were La Casita del Marisco, Roberto’s and Aquasport. We chose Aquasport.

There was a large swing there that was in constant use throughout dinner.

I really liked the menu at Aquasport because it allowed us to try a pretty wide variety of food that’s not available in our hometown in Iowa. Alex got the Surf and Surf, which was mahi mahi and shrimp in a pretty interesting sauce. Jenn got the mahi mahi fillet, while I ordered the beef tacu tacu and Emma ordered a chicken causa. We also shared some patacones.

Chicken Causa – a Peruvian dish with layers of potato, avocado and chicken.

Most of the food was very good. The prices were a bit on the high end, but I wouldn’t have expected anything else considering Aquasport is directly on the beach.

A live band played during dinner. They played mostly American pop music covers.

We also had a few chiliguaros, which is a shot that has guaro (a Costa Rican liquor made of sugar cane, similar to unaged rum), tomato juice and tobasco served in a salted shot glass. We chased those chiliguaros with the national beer of Costa Rica, Imperial, which is a pretty descent pilsner.

Rope lights provide great mood lighting after dusk.

We enjoyed our dinner and the fresh breeze as the sun disappeared into the Pacific Ocean. The staff was excellent, the food great, and the sunset was spectacular.

A First Taste of Gallo Pinto

Huetares Hotel and Villas is attached to a traditional Costa Rican restaurant called Coco Viquez. They serve their breakfast the way that a traditional Costa Rican ‘soda’ does. It’s set up as a buffet where you get one plate, you tell them what you want and they fill the plate up for a set price, in this case $10 US, or 5,000 Colones.

There are two sections of this buffet, one with hot foods like gallo pinto, eggs, and sausage, and the cold section with cheese and fresh fruit

Traditionally a Costa Rican breakfast comes with gallo pinto, which is essentially black beans and rice mixed together. Gallo pinto is also not complete without some plantains, some meat – I had salchichon (a type of sausage), and as much fresh fruit as they can squeeze on the plate. We also got some coffee, which they served with hot milk, which is a nice touch to not cool down your coffee, but it was already 90 degrees outside, so I’m not sure it was necessary.

Must’ve eaten the papaya before snapping this photo. The papaya was amazing.

It was all very good and the staff was very friendly. I can see why this style of breakfast became a staple in Costa Rica, it’s fast, nutritious and is delicious. This is how fast food should be done.

Small Town Feel

Playa Hermosa is a very small area. We could pretty much walk the entire town in about 30 minutes. There really is only about a half dozen restaurants, a mini grocery store, a few hotels and a beach. I think that’s the real attraction to Playa Hermosa. There isn’t a ton to see, but the views are tremendous. There aren’t a lot of choices of places to eat, but the food is really good.

There were only really two streets to walk on in Playa Hermosa. No tall buildings, not a lot of traffic. It definitely had the feel of a small town.

Because the choices are limited, Playa Hermosa will force you to take it easy. Go ahead and spend a few hours on the beach. Have a long dinner in the sand as the sun dips into the ocean. Relax and unwind. Life is stressful and hurried, but that is not the vibe in Playa Hermosa. You’re not in America anymore, you’re in Costa Rica now – Pura Vida!

Moving Along

With our bellies full of Gallo Pinto, we got into the car for what turned out to be a stressful 4 hour drive to Grecia in the Central Valley of Costa Rica. I’m glad we had a chance to unwind from our flight before attempting that drive.

We spent less than 24 hours in Playa Hermosa, because we were using it as a stop before moving on to the rest of our journey. I have a feeling that we will find our way back to Playa Hermosa, there are a few other places that I would like to visit in Costa Rica, including La Fortuna, Jaco, and Manuel Antonio National Park. I can definitely see this being a stop over anytime that we might go to Costa Rica in the future, if we are using Guanacaste Airport. The proximity to the airport, the gorgeous sunsets, and the great food make it an ideal first taste of Costa Rica.

What’s the Best Travel Rewards Credit Card for Young Adults?

Posted on March 17, 2024 by David Cox in Travel Hacking, Trips

“I wish I would’ve traveled when I was young.” How many times have we all heard that lament from either 30-somethings tethered to their children or empty nesters who just lack the energy for the kind of travel they wish they could still do?

The problem with traveling when you’re young is that you’re usually pretty broke and travel isn’t cheap. Travel, however, is a great education for young adults. Travel teaches about other cultures, languages, and most importantly perspective. It also teaches skills such as communication (especially how to communicate without a common language) and self-reliance.

Our kids have grown up around travel because it was always important to us, even if it was just short trips to nearby places. It’s not surprising to me that it wasn’t long after she graduated from High School that my daughter Emma began to plan her own trips. She and her friends recently planned a trip to California for an event taking place in Anaheim.

I’m sure they’ll have a blast and while, as a parent, I’m a little nervous, I understand just how great a learning experience this can be. I also have a sneaking suspicion that this won’t be her last trip, so not only do we want to her to have the skills to travel, but if we can teach her a little about travel hacking along the way so that she can travel cheaply, that’s even better. So, of course, we’re going to help her pick the best credit cards that allow her to do the traveling that she wants to do, but for less money.

This had me doing quite a bit of thinking about what the best credit card for her, and by extension, any young traveler. A word of caution here – Emma is ridiculously careful with her money, if you are a parent of a young adult that isn’t careful with their money, then steering them into credit cards could be a really bad idea.

Building Your Credit Score

One very important thing for any young adult to do is begin to build their credit score. Start by signing up with Credit Karma or another such credit monitoring service. If travel hacking is a future that you want, you need to know, love and cherish your credit score. If you don’t, all of those awesome credit cards with the huge welcome bonuses won’t be an option for you.

There are 6 items that Credit Karma have listed that affect your credit score:

Payment History
Credit Card Usage
Derogatory Marks
Credit Age
Total Accounts
Hard Inquiries

The top 3 items there can pretty easily be maintained well simply by making your payments on time – every time and in full. However, what you should be concerned about when choosing your first or second credit card is developing your credit age.

Credit age is the average length of time that you have had your accounts open. For instance, if you only have one credit card that you’ve had for 8 months, then your credit age is 8 months. If you then get a second card, your credit age will drop to 4 months, since now you have a credit card for 8 months and one for 0 months.

Building a Solid Credit Age with a No Annual Fee Card

In the beginning this doesn’t matter that much, because you have to start somewhere, but what you really want to do at this time is get a credit card that you plan to keep – like forever. I actually have two accounts that are almost 20 years old and they work so well to hold this average up. If you pick the right card early, then you can keep that card for eternity and it can prop up this credit age stat.

This credit card should be a no annual fee card. The reason is simple, lets say you get a different credit card later that earns a huge amount of points and you start thinking that you should close that account because you don’t want to pay an annual fee on a credit card that you just don’t use any more. You either are going to have to keep paying the annual fee or take the hit on your credit score when your credit age drops. If you have a no annual fee card, you can stop using it and keep the card, no big deal.

What should a Young Traveler be Looking for in a Credit Card?

If a young person who wants to travel is looking for a credit card, there are a few things that they should be looking for:

No Annual Fee
Good Bonus Earning Categories (In categories they use)
Achievable Bonus With Low Spend Requirement
Good Transfer Partners

When it comes to good bonus earning categories, that obviously varies from person to person, but for my daughter, I know her typical spending categories are gas stations and dining. She should be looking for those categories as potential bonus categories.

As far as an achievable bonus with a low spend requirement, getting a card that earns a 60,000 point bonus is great, but if it requires a $4,000 in spend in 3 months, that might be a lot for a young adult to spend. It’s very important to know what is a reasonable amount to spend and don’t go for a card that stretches you financially to reach the sign up bonus. For our daughter, that number is probably no more than $400 per month toward a bonus, so if there is a bonus that is offered after $1,000 spending in 3 months, I think she’d be fine.

Transfer partners are really important if you want to maximize the amount of travel you can do with the points you earn from your credit card spend. By having a great menu of transfer partners to choose from, you can take advantage of any deals that pop up in a variety of programs.

With these things in mind, lets look at a few credit card options for the young traveler, all of which are offered with no annual fee.

Capital One Venture One Rewards

The Capital One Venture One Rewards card offers a generous 20,000 point bonus after only a $500 spend in 3 months. That is a good bonus offer with an achievable amount of spending.

The earning rates are 5x on hotels and rental cars, and 1.25 points per dollar everywhere else. Since I can’t imagine a young person spending a significant amount of money on hotels and rental cars, this is pretty much a 1.25x on everything card – not too exciting.

Capital One does have a great group of transfer partners including 15 airline programs and 3 hotel programs. Of the hotel programs, only Wyndham is interesting, but of there are some interesting airline partners like Avianca Lifemiles, Air France/KLM Flying Blue, Air Canada Aeroplan, British Airways Avios, and Turkish Miles and Smiles.

American Express EveryDay Card

The Amex EveryDay card has a signup bonus of 10,000 membership rewards points after spending $2,000 in the first 6 months. That’s not a great signup bonus, but the $2,000 spend over 6 months should be pretty achievable for most young adults.

This card earns 2x at grocery stores and 1x on everything else. That could be very attractive to someone who spends a large portion of their spending on groceries, but it’s not particularly exciting besides that.

American Express does pack a powerhouse of transfer partners including 11 airline partners and 3 hotel partners. The hotel partners are Marriott, Hilton and Radisson. The airline partners include Air France/KLM Flying Blue, British Airways and Iberia Avios, Virgin Atlantic and most importantly, Delta. Delta doesn’t always have the best redemptions, but they do have a ton of available flights within the US.

The Bilt Mastercard

Bilt is, well, it’s built different. Pardon the pun, but while it doesn’t offer a signup bonus, it offers a feature nobody else can – you can pay your rent with it. If you’re a renter, this card is the biggest no-brainer ever. Why? because you can earn points on what is probably your biggest expense – rent. You only earn 1x on rent, but it’s better than the 0x on rent on every other card. You must make 5 other transactions on the card each month to get the points for the rent, but still, points on rent? That’s crazy!

Aside from 1x on rent, it also earns 2x on travel and 3x on dining. Also, any spending done on rent day (1st of the month) is doubled. Which, for example, would be 6x on dining on the 1st of the month.

Bilt also has some pretty crazy rent day promos. A recent one offered up to a 150% transfer bonus (the actual transfer bonus percentage was based on your Bilt status) on the first of the month to transfer to Aeroplan. That means if you had 10,000 Bilt points and you wanted to transfer it on that day, it would show up as 25,000 miles in your Aeroplan account. The rent day promos are generally announced just a few days before rent day, so if you’re paying attention, you can get some tremendous transfer bonuses.

What’s even better is that Bilt has the best group of transfer partners of any credit card. They have 12 airline and 3 hotel partners. The quality of these partners sets them apart. Not only do they have some of the usual transfer partners like Air France/KLM Flying Blue, British Airways/Iberia/Aer Lingus Avios and Air Canada Aeroplan, but they also have United Airlines.

As far as hotels are concerned, Bilt has Hyatt, Marriott Bonvoy, and IHG. Hyatt is the big one on this list. They consistently have award stays at great redemption rates and Hyatt points are by far the most valuable of any hotel chain.

Wells Fargo autograph Card

The Wells Fargo Autograph Card currently has a 20,000 point bonus when the cardholder spends $1,000 in the first 3 months. That should be pretty achievable for anyone with any sort of normal expenses.

The Autograph Card has some solid bonus categories. They offer 3x on dining, travel, gas, transit, streaming services and phone plans. Looking through that list, that looks like a list of bonus categories that should be pretty great for young adults. I’m not sure how much the average young adult spends on travel, but I have to imagine that the rest of these categories should get used pretty heavily. This card should earn a young adult a lot of points every month.

Prior to an announcement earlier this month, I would have considered the Autograph card to be a cash back card. However, starting April 4th, 2024, Wells Fargo has added transfer partners to this card as well as to the recently launched Autograph Journey card. There are only a few at this point with Air France/KLM Flying Blue, Aer Lingus/British Airways/Iberia Avios, and Avianca Lifemiles for airline transfer partners and Choice Hotels on the hotel side.

Even though there are only 3 programs (6 airlines) in the list of airline transfer partners, they are really good ones. Also, while you might think Choice is a sub-par hotel partner, Autograph Rewards transfer to Choice at a 1:2 ratio. If just look around Choice’s website, it’s pretty common to find hotels between 10,000 points and 20,000 points per night. At that transfer ratio, that becomes 5,000 to 10,000 Autograph Rewards points. That’s a pretty good value for those points.

Wells Fargo has been indicating that these are the initial transfer partners for the Autograph Rewards program and more will be added over time. This should mean that this program should only get better throughout this year and maybe beyond.

Why are there No Citibank or Chase Cards on this List?

The main reason why I didn’t choose any Citibank or Chase credit cards for this list is that both banks require the cardholder to have a premium credit card in order to transfer points. In the case of Citibank, you can earn transferrable Citi Thank You points on a number of credit cards, but you will need to have a Citi Premier card in order to transfer those points to one of the transfer partners in their program.

In the case of Chase, the cardholder must have a Sapphire Reserve card, Sapphire Preferred Card, or a Ink Business Preferred Card in order to unlock the transfer partner benefit. Again, Chase has some great cards to earn Ultimate Reward Points, but without one of those three cards the cardholder can’t transfer those points to one of Chase’s great list of transfer partners.

All of the cards I mentioned above not only have an annual fee, but the signup bonuses on these have some elevated spending (normally something like $4,000 in 3 months) that would be likely be difficult for a young person to achieve.

So which of these Cards is the Best For Young Travelers?

The Capital One Venture One card has a great signup bonus and fantastic transfer partners. However, with all of the ongoing spend being at 1.25x, it looks like there wouldn’t be great opportunities to accumulate a lot of points after the signup bonus.

The Amex EveryDay card has a not very exciting 10,000 point bonus after $2,000 spend. It does offer 2x on groceries and 1x everywhere else, so if groceries are a big expense, this might make sense. American Express also has great transfer partners.

The Bilt Mastercard doesn’t have any signup bonus, but the fact that you can pay rent with this card makes it a great card for any renter. Once you add in the fact that they probably have the best transfer partners and some really exciting rent day specials, this just becomes a must-have card for anyone who pays rent. Hands down, if you pay rent – get the Bilt Mastercard.

If you don’t pay rent, I think the Wells Fargo Autograph Card is suddenly the best choice. Yeah, it has some limited transfer partners, but it has a great signup bonus and 3x categories that hit all the right spots for young adults. I also think the limited transfer partners issue is a temporary thing. Wells Fargo is indicating that there will be additional transfer partners and my guess is that they will roll them out one at a time going forward so to maximize the amount of press they get. This could be one of the best no annual fee cards available by the end of the year.

Conclusion

I think it’s actually pretty important that young people choose wisely when getting their first credit card. The impact on credit score of having a credit card with a really long history means that picking a credit card that you will continue you to use for a long time is very important. It’s very important to make that credit card something that you aren’t tempted to close.

Assuming that the person applying for the account likes to travel, I think the answer is pretty clear – go with the Bilt Mastercard if you pay rent and the Wells Fargo Autograph card if you don’t pay rent. Just make sure that you pay your balances in full every month, and enjoy your travels!

Gamla Stan

Posted on February 13, 2024 by David Cox in Trips

Gamla Stan dates back to the 13th Century and was founded when leaders from Sigtuna were having issues with armed bandits and were looking for a more defensible capital. Since the area is a series of islands and islands are easier to defend, it was a great place to build a capital. Now, without those pesky marauding bands of raiders, it makes for a great place to shop, eat and have a drink.

St George and the Dragon Statue commemorating the slaying of a dragon who was extorting villagers. I’m skeptical about the historical accuracy of this story.

Gamla Stan is the old town of Stockholm and consists of the islands of Stadtsholden, Riddarholmen, Helgeandsholmen and Stromsborg. Stadtsholden is the main island and the one that most people associate with Gamla Stan.

A look down Osterlanggatan, a road built on the location of the original east wall of the city.

On our first full day in Stockholm, we made it to the old town fairly early. The streets were mostly empty and some of the shops were still closed, which gave us a fairly calm walk to start the day. We popped in a couple of shops and made our way through town to find a cup of coffee. We managed to find that at Sundberg’s Konditori. We enjoyed the coffee sitting out in the cobblestone plaza. While we were drinking our coffee, however, the streets went from being fairly empty to being pretty packed.

A look down a side street at the belltower on the Stockholm Cathedral, also known as the Great Church.

Quite a few tour groups showed up, who traveled in packs of a dozen or two and tended to stretch all the way across the narrower roads. Tourists and shoppers started to pop up everywhere, but this was only a Thursday, so it probably could’ve been busier.

For the next couple of hours, we checked out a lot of shops while making our way down the crowded cobblestone streets. There were quite a few kitschy shops selling Swedish keepsakes scattered amongst art galleries and jewelry stores. After a while, we decided to go looking for a beer.

Swedish Attitudes towards drinking are A Bit Conservative

Sweden seems to be less comfortable about drinking than most of Europe. They have separate state owned grocery stores to sell any alcoholic beverage over 3.5%. They also apparently frown on drinking mid-week. The drinking age is 18, but you have to be 20 to buy alcohol from a store and restaurants and bars can choose to not serve you until you’re 20, which is interesting. Also, the grocery stores that we visited sold only non-alcoholic beer, a product I have yet to understand.

I mention this because as we were looking around for a beer, I noticed that there didn’t seem to be any Swedish bars, Swedish beers, or frankly any kind authentic Swedish alcohol anywhere. Most of the bars we came across were English, Irish or American, so we decided to stop in at Wirstrom’s Pub, an Irish Pub.

The Cellar Pubs of Stockholm

Wirstrom’s had a pretty nice selection of beers and Jenn ended up getting a nice Belgian Dubbel and I had a English Ale. They were showing a soccer game, and the majority of the clientele were pretty laser focused on that. We were admiring the building, which was lovely and has a really interesting basement where you can have a beer in an old cellar.

This, as it turns out, was not unique to Wirstrom’s. We went to O’Connell’s Irish Pub for lunch where I think everyone but Emma got Fish and Chips. The food was great and I developed a love for mushy peas there, but they also had cellar with a bar in it. That bar wasn’t open at the time, but I got the impression that they use it at night when the bars fill up.

Later on we came across another cellar pub named Kallerbyn. It looked very nice, but we didn’t stick around very long. I believe we picked up a to go coffee there and they let us walk around.

I think if we kept looking, we could’ve found more, It might be fun to do a cellar pub crawl in Stockholm. I mean, fun for me, Jenn couldn’t get out of these cellars fast enough, for some reason they creeped her out.

Narrow Roads and Fika

A lot of our time in Gamla Stan was spent wandering the narrow roads and admiring the architecture. The old stone roads were mostly car free, which made the walks fairly carefree and enjoyable. It was crowded but not so much as to be unbearable.

We did manage to stop in to a coffee shop and experience fika, sort of. Fika is a Swedish tradition of taking a set break during the day and have a small snack, usually something sweet like a cinnamon roll and a cup of coffee. Fika is meant to be a ritual that you spend with your coworkers or friends and it apparently is taken pretty seriously by Swedes as a way to disconnect for a few minutes and take a breather. We just sat down and had a cup of coffee and a cinnamon roll in a crowded coffee shop. I don’t think we did it right. By the way, Swedish cinnamon rolls are amazing, I might have to go back just for those.

Riddarholm Church

Riddarholm Church grabbed my attention right away when we approached the old town. I was fascinated by the beautiful iron spire on top of the belltower.

The church began it’s life as a monastery in the late 13th century. The church itself began to be built almost immediately after the monastery was opened. It became a popular place for Swedish royalty to be buried and there are 17 regents buried in the church. When the protestant reformation happened, the monastery was vacated and the church became a Lutheran church which stopped using the church in 1809. In 1835, a lightning strike destroyed the original spire and was replaced by the beautiful and unique iron spire.

Currently the church is known for being the burial church of the kings, even though Swedish Royalty stopped using the church for burials in 1950.

Riddarholmen Church looks remarkably well preserved.

Personally, I was struck by the contrast of the traditional 13th Century gothic church design mixed with a much more modern iron spire. However, knowing that by the time the iron spire had been added it was no longer being used as a church, that somehow made a little more sense to me. It’s absolutely unique and gorgeous, but unfortunately, we didn’t have tickets, or frankly a lot of time to visit, so we walked around the outside of the church, admired it’s beauty and left.

Reasons to Return to Gamla Stan

There were so many things that we didn’t really make time for in Gamla Stan. There is the Nobel Prize museum and the Royal Palace as well as Parliament. There are a couple of beautiful cathedrals to tour, the house of Nobility and the Bonde Palace. If you really wanted to explore the area to its fullest, I think you would need to devote at least 3 days to it, maybe more. We didn’t have enough time for all of that, but that’s okay with me, since that just gives us an excuse to return and get more of those amazing Swedish cinnamon rolls.

A Relaxing Ferry Ride in Stockholm

Posted on January 14, 2024 by David Cox in Trips

Stockholm was the last of our stops on our 14 days in Europe. We had been averaging around 8-9 miles per day of walking, so having a nice relaxing boat ride was just what our sore feet needed. Many residents here rely on these ferries since Stockholm is built across 14 islands. For visitors, however, it can be a great way to relax and see some of the lesser visited areas of Stockholm.

“God our father on the rainbow” by Carl Milles. This statue is actually a fountain which shoots water out of the end and forms a rainbow shape. Unfortunately, the fountain was turned off for our visit.

The Ferries are Included with SL Card

One of the most amazing benefits of Stockholm’s great public transportation system is the fact that you can ride a number of ferry routes with your SL Card. The SL Card gives a visitor unlimited access to Stockholm’s public transportation system for the period of time that it’s valid. The cards are fairly expensive but the public transportation system in Stockholm is excellent, so it is worth it. The SL Card covers most of the subways, trams and ferries in the city of Stockholm and it’s surrounding areas. Tourists would most likely be looking one of the choices below.

	Cost for Adults 20-64	Cost for Under 20 or Over 64 years old
24 hour pass	165 SEK (about $16 US)	110 SEK (about $11 US)
72 hour pass	330 SEK (about $33 US)	220 SEK (about $22 US)
7 day pass	430 SEK (about $43 US)	290 SEK (about $29 US)
30 day pass	970 SEK (about $97 US)	650 SEK (about $65 US)

more information can be found at the SL website

We bought 4 of the 72 hour passes, 2 adults and 2 children, so we spent around $110 US on the passes. That seemed like a lot, but with the ferries being included in the price, it seemed pretty reasonable. Purchasing the tickets was easy, we just went to the subway station near our hotel and bought it from the attendant who was watching the turnstiles.

If you leave from the Nybroplan terminal, you will see some of the amazing Swedish buildings from the ferry.

There are 4 ferry lines that are covered with the SL card – lines 80, 82, 83, and 89. The maps for where those lines go are located on the SL website.

Most of the tourists seemed to be getting onto route 80 at the Nybroplan terminal, located near Berzelii Park. That is where we chose to get on as well.

Hotel Diplomat near the Nybroplan terminal

The ferries are two levels with the bottom floor being completely covered. Rows of seats face both directions. There are tons of windows, so if you prefer to stay out of the elements this is a great place to sit. The second level is out essentially a deck on the top of the first level and it is a fantastic place to enjoy the beautiful weather that Stockholm often has during the summer. There is a set of stairs on the back of the ferry that provides access to the second deck.

One of Stockholm’s many public transportation ferries

Daytripping on Commuter Lines 80 and 83

The main commuter ferry line was commuter line 80 from Nybroplan to Nacka Strand. That was as far as we went and we returned on the same boat. If you want to continue on the route, you need to get off at Nacka Strand and continue on the route with a different boat. There might be a boat that does the entire route, I just didn’t see it. That being said, as you can see, line 80 covers a large portion of Stockholm.

The first stop from Nybroplan is Allmanna Grand. It is on Djurgarden island which has an amusement park named Grona Lund as well as an open air museum/zoo called Skansen. It is also home to the very popular Vasa Museum, which houses a poorly designed 17th century warship that sunk early into it’s maiden voyage in 1628. It was raised in 1961 and was towed into the museum in 1990. Djurgarden also has ABBA the Museum, which of course is a museum commemorating a Disco group responsible for some of the worst atrocities ever inflicted upon popular music.

Djurgarden is an extremely popular stop and I noticed that a large portion of the people on the ferry got on at Nybroplan and off at Allmanna Grand. We actually used it the next day to get back from a visit to Skansen, even though the tram would’ve been faster, because we enjoyed the ferry so much.

You can also get off at Nacka Strand and get on line 83, which covers a lot more rural islands. Nacka Strand has a handful of restaurants near the terminal which makes it an interesting place to stop, especially if you are using this opportunity to leave line 80 and get onto line 83. Restaurant J looks like a particularly good place to stop for a drink or a bite to eat, as it sits on the dock overlooking the water.

Restaurant J sits right by the Nacka Strand ferry terminal and looks like a great place to stop for a drink. We should’ve stopped!

A full round trip on line 83 takes about 3 hours and could be a great relaxing trip on a beautiful day. Line 83 terminates at Rindo, which is primarily a residential island and has multiple stops along the way. Some of these islands are small and have only a dozen or two houses on them.

Timetables for stops on the ferries can be found at the SL website.

Vaxholm island might be a good stop on a trip like this because there is a decent number of bars and restaurants near the ferry terminal.

We took the much shorter route from Nybroplan to Nacka Strand and back, mainly because we didn’t have all day to devote to a ferry trip. If we were to go back to Stockholm with more than 2 days to really enjoy the city, I definitely would’ve taken advantage of the longer routes. We had a really relaxing time on the ferry and if we had some more time available to get off at some stops and really enjoy the trip, I think we could’ve made a full day of it. Oh well, I guess that gives us a great excuse to return to Stockholm!

We Booked A Trip to Costa Rica on American Airlines Miles

Posted on December 15, 2023December 15, 2023 by David Cox in Bookings, Trips

Booking our spring break trip this year was a different for us. This was essentially the first time that we’ve had an opportunity to book a family trip with both the experience of doing so, and the points to be flexible. When we booked our trip to Europe last summer, we didn’t have a bunch of points in various programs, and we basically had to book what we needed with the available points, and for us that meant that we had to work around United Airlines since that was where we had points.

This time it was much different, since we had significant amounts of points in Chase Ultimate Rewards and a decent amount of Capital One Venture miles. Ultimate Rewards transfers to 11 different airline programs and Capital One Venture miles transfer to 15 different airline programs (many of them overlap with Ultimate Rewards). On top of that, we also had a couple of American Airlines cards that we were working toward signup bonuses on, with no plans to use those AAdvantage miles.

What this meant was that we had a lot of different choices of ways to book flights. But we needed a destination. I was looking pretty hard at Madrid, Europe is off-peak in March and a flight from Chicago to Madrid is 34,000 Avios (transferable from Chase Ultimate Rewards) round trip and around $225 in taxes and fuel surcharges, through Iberia. That seemed like a steal to me, but there is that pesky problem of jetlag and Jenn wasn’t too thrilled about having to pay $900 for four flights (I know it honestly sounds silly, but this is apparently who we are now).

I wasn’t too excited about staying in the US, because in March you basically have Florida if you want to be warm, and that’s so overrun by drunken college students it’s hard to really enjoy it. A lot of the other places we thought about like Cancun, Punta Cana, Aruba, etc seemed to be both not really what we wanted and probably would’ve also been full of drunken college students. We wanted something different.

What About Costa Rica?

Jenn and I were having a beer at our favorite taphouse talking about spring break and I said “What about Costa Rica?” She looked at me a little strange, and said “Why Costa Rica, what’s there?” I replied “beaches, mountains, jungles, great food, it’s pretty much a tropical paradise.” Within a few minutes she was on Airbnb and somehow managed to find an absolutely gorgeous 3 bedroom Airbnb in the middle of a coffee growing region near San Jose for just $75 per night. Since Airbnb allows free cancellations, she booked it right there.

This kitchen is nicer than what we have at home

Now that the rental was booked it was up to me to make the airfare work.

Beating my Head Against a Wall

The Airbnb Jenn booked was only a 40 minute Uber from San Jose Airport, so that’s fantastic. I started to look at flights coming to and from San Jose from our home airport in Moline, and it was pretty clear right away that we were going to want to fly American Airlines if we wanted to leave out of Moline. They were running a special that cost around 8,000 points to San Jose and about 20,000 points coming back, and I thought, that’s pretty good, I just need to wait until we earn our signup bonuses and the points show up in our accounts.

The problem was, Jenn got her bonus from a Barclay’s card and they very specifically mention that they could take 4-6 weeks for the bonus to hit her account. I knew what I wanted but the clock was ticking and availability is never guaranteed.

When they finally hit her account the miles for those flights had increased to 11,500 miles out, and 32,000 miles back and we didn’t have enough points in our accounts for the more than 160,000 miles needed. I started shopping around and found a flight itinerary that would cost 17,500 miles through Avianca Lifemiles for the way home and keep the 11,500 mile AA flight down to San Jose.

What The Hell Am I doing?

I set Jenn up with a Lifemiles account with the intention of moving 70,000 Capital One Venture miles to Lifemiles to book the flight. The flights would have to be out of Peoria (an hour and a half drive away), since that’s where the Lifemiles flight itinerary took us.

I almost pulled the trigger and then I looked at the itinerary once again. On the way out, Moline to Charlotte to Miami, with a 7 hour overnight stay in the Miami airport before taking off to San Jose. I wasn’t thrilled about sleeping in the airport, that’s not ideal. Then on the way back, we would leave San Jose in the afternoon, stop in Guatemala for an hour then fly to Washington Dulles airport, land at 1 AM, go through customs, catch an uber to Reagan National Airport, go back through security (probably at 3 AM) and wait for a 6 AM flight to Chicago and then another flight back to Peoria, where we would have to drive an hour and a half home.

There is no way that I don’t fall asleep at the wheel coming home after that mess of a flight itinerary. That doesn’t even take into account the number of things that would have to go right just to make sure that we made it back to Peoria. It was time to call an audible, this isn’t going to work.

Let’s Try Guanacaste Airport

When I started looking at LIR airport in the north of Costa Rica, it became so much easier. The flights were more direct, less stops and prices were good. Jenn and I looked through a few choices and while we could get a slightly cheaper flight, we could find good prices for flights with just 1 stop each, and given the fact that there could be snow in March, fewer stops mean a better chance of actually getting to our destination. Each flight had long layovers, but they were long enough to get hotels so they looked great.

The outbound flight is Moline to Chicago to Guanacaste with a 17 hour overnight layover in Chicago and the return flight is Guanacaste to Dallas to Moline with a 18 hour layover in Dallas. We will be able to sleep well, staying in hotels for each and we should be able to be rested and relaxed rather than stressed and tired. Much better, but unfortunately we now have a 3 hour drive from Guanacaste airport to the Airbnb as opposed to a 40 minute drive from San Jose Airport. Oh well, we were going to rent a car anyway.

The flights cost us 120,000 AAdvantage miles and $336.24 in taxes. The cash price total for the same exact flights would have cost us $2,888.48 which means that we saved around $2,550. That means that those miles were redeemed at 2.1 cents per point which is well above the normal 1.5 cents per point for AAdvantage Miles, so I’m happy with the value we got from the points.

Land in Costa Rica as Early as Possible

Here is a little side note that I’ve learned from my research – if you are going to fly to the Guanacaste Airport, you probably want to land early if possible. At first, I was a little annoyed that I couldn’t get to Costa Rica with a 1 day flight itinerary but the more I read I’m okay with it. The reason is that Guanacaste Airport is a regional airport and while it is the best airport to go to for a variety of places in the north of Costa Rica, it’s not really close to anything.

So, what’s the big deal, right? I can drive at night. Yeah, but you probably shouldn’t. It is generally not recommended to drive in Costa Rica at night. The reason for this is that the roads are rural, curvy, unlit, and not always in great shape. It’s never a great idea to drive in an unfamiliar country at night, but with Costa Rica being so rural, it’s really not recommended. Add in the possibility of mountainous terrain with no guardrails and it could get deadly. It’s especially not recommended in the rainy season, where it can get even more treacherous.

It is also of note that it gets dark early in Costa Rica. Since it’s fairly close to the equator, the times don’t change too much from season to season but basically you can expect sunrise to be around 5:30 AM and sunset to be around 5:30 PM. That means that we will be probably cutting it a little close with the 12:30 landing and a 3 hour drive (once you figure in customs, car rental counter and probably some lunch).

Booking the Hotels

Since both the flight to Costa Rica and the flight back have overnight layovers, we needed to book a couple of hotels. We’re not that picky about where we stay, but I definitely like things to be easy and Jenn likes free breakfast if available. On the way there, in Chicago Jenn booked the Springhill Suites because it had a free airport shuttle and free breakfast, for 17,500 Marriott Bonvoy points. It would have cost $129 with cash so it comes out to .7 cents per point which is less than the .8 cents per point that Bonvoy points are typically valued at.

I booked the Hyatt Regency DFW for one reason only. It was actually at the airport. We don’t even need a shuttle, just walk from the terminal to the hotel and vice versa. We burned my 1-4 category Hyatt certificate on it and it’s only a category 2 hotel, so I definitely could have done better. It would have cost $218 for that night, so I think the fact that I get that certificate by paying a $95 annual fee for the World of Hyatt credit card makes it decent.

How Do I Feel About the Bookings

I feel pretty good about these bookings. I tend not to worry too much about maximizing hotel certificates, because I’m really not a hotel snob. I’m not sure I could tell the difference between a category 2 and a category 5 Hyatt. Jenn used a few more of her Marriott points to book another night, it almost seems like she always has Bonvoy points when we need them.

I’m pretty happy about the flight booking. We get to leave from our small home airport and still only have one stop. The stops are all long enough to relax at a hotel instead of being uncomfortable at the airport. On top of that, we got good value for our American Airline miles. I had been slow to look at American Airlines because they don’t have any transfer partners except Bilt, but I’m going to have to work a little harder to keep some AAdvantage miles around because that was a good deal.

It always feels great to get a trip booked, because now I can concentrate on what we are going to do when we are there, where we are going to eat and what we want to explore. I have read that Costa Rica is not a place to “wing it” since destinations are typically far away and roads can be unpredictable. That’s okay with me though, I like planning out the fun stuff.

Points Check November 2023

Posted on December 9, 2023 by David Cox in 2023, Point Check, Trips

Back to an All Time High

We finally passed our previous all-time high point total of around $10,600 in value. This came primarily from earning a sign up bonus from my Citibusiness AAdvantage Platinum Select card. It offered a 65,000 point bonus for spending $4,000 in the first 3 months and I met the required spend this month. Jenn actually did the required spending on her Barclays American Airlines Aviator Red card which will earn her a 75,000 point bonus as soon as Barclays processes it. We’re actually waiting on that because we plan to book airline tickets to Costa Rica for spring break and the little delay from Barclays is annoying.

A Second Citibusiness AAdvantage Platinum Select Card

Jenn applied for the exact same card I just completed the minimum spend on – the Citibusiness AAdvantage Platinum Select card. She, however, got a better signup bonus than I did. She will receive a 75,000 AAdvantage mile bonus when she spends $6,000 in the first 6 months of having the card.

As I pointed out in the post when I applied for the card, it has a $99 annual fee which is waived for the first year. Miles earning on this card is pretty weak, in that it is 1x on most purchases, and 2x on American Airlines purchases, gas, telecommunications merchants, car rental services and cable and satellite providers. It does provide a free checked bag and priority boarding.

There is a $99 domestic companion certificate that you can earn when you spend $30,000 on the card, but seriously don’t do that. There has to be better ways of getting a cheap companion flight than that, with the only exception of maybe if you spend $30,000 on American Airlines flights.

Getting Bailed out of a Mistake

We had a hotel stay booked with Marriott that Jenn didn’t realize she booked with a non-refundable rate. When you use the Bonvoy app to book a room, there are multiple tabs for you to choose from. The prepaid option is non-refundable, and while they do have that written on there, it’s not exactly jumping out at you.

Jenn had been so used to booking things on points (which are almost always refundable, especially well in advance), that it didn’t really occur to her that the room was non-refundable. She canceled the room almost a month in advance, and after a while I asked her why they hadn’t refunded the money. She called the hotel, only to find out the room was non-refundable, but she was persistent and asked to talk to a manager, who was unavailable, of course. She called back the next day and tried again, with no luck and finally we kind of accepted the fact that there would be no refund. However, once the date for the hotel stay passed, the room was refunded to us. They never called back to let us know, they just refunded it. I guess this just goes to show that sometimes it never hurts to ask. Also, kudos to Marriott and the hotel itself, they absolutely were under no obligation to do so. That being said, it was smart of them because they will probably get more of our business now, because they were gracious in helping us fix our mistake. In the future, we will make sure to not use the non-refundable option.

Anyway, On to the Point Check

Card Used	Spend	Points Earned	Point Value	Points Per $	Return on Spend
Citi Premier	$1,445	2,280	$41.04	1.6	2.8%
Capital One Venture	$1,077	2,154	$39.85	2.0	3.7%
Chase Ink Cash	$518	2,570	$52.69	5.0	10.2%
World of Hyatt	$429	2,144	$36.45	5.0	8.5%
Chase Ink Unlimited	$395	592	$12.14	1.5	3.1%
Wyndham Business Earner	$254	729	$14.94	2.9	3.2%
Delta Business Gold	$107	107	$1.61	1.0	1.5%
Total	$4,225	10,576	$197.10	2.5	4.7%

This month was a little disappointing in that the return on spend on our other cards dipped under 5% and I’m really trying to keep that up above the 5% mark. One of the big reasons for that, however, was the fact that my daughter’s car had about $800 of repair costs, and while that can be charged, there isn’t exactly a bonus category for it. We probably should have used the Capital One Venture card, since it is 2x everywhere, but Emma is an authorized user on the Citi Premier card and that’s what she used, for a disappointing 1x instead. Oh well. We were able to get 5x on Amazon through a World of Hyatt promo, which is nice but somehow I misunderstood the Wyndham Business Earner categories and moved our insurance there, thinking I would get 5x and it absolutely wasn’t, just a lowsy 1x on that.

Jenn got an electric car as well, which has cut our fuel consumption by about 75%. That is awesome, but I’m missing the massive amounts of Wyndham points we earned at 8x on gas.

Aside from the spending not devoted to a bonus, I spent almost $1,800 on my Citibusiness AAdvantage Platinum Select card and earned almost 1,800 AAdvantage miles and the 65,000 point bonus. Jenn spent around $1,000 on her Citibusiness AAdvantage Platinum Select card and earned around 1,000 AAdvantage miles.

All of this left us with a month-end total of 289,000 Chase Ultimate Reward Points, 88,400 Capital One Venture miles, 77,000 American Airlines miles, 48,300 Marriott Bonvoy points, 29,800 Citi Thank You points, 24,600 United Miles, 15,000 Delta miles, 3,700 Hyatt points, and $974 in cash back. If you use valuations by the Points Guy, the total value of all of these points is $11,280.

A Wonderful Walk to Trevi Fountain

Posted on November 29, 2023 by David Cox in Trips

One of the main landmarks that we wanted to see while in Rome was Trevi Fountain. It was a good 40 minute walk from the Airbnb, which made it tempting to just grab an Uber to drive us there, but that’s not really what you want to do while in Rome, is it? The temperature was predicted to reach 107 degrees Fahrenheit that day, so walking did seem a little dangerous, but there’s plenty to drink on the way there. It was the right decision because the walk, as usual, was the best part.

**View of the Castel Sant’Angelo from the Tiber River, a nearly 2,000 year old mausoleum finished in AD 139. It houses the ashes of the Emperor Hadrian.**

We started our trek by leaving the Trastavere neighborhood just south of the Vatican and walking through a tunnel under the Pontifical Urban University. Once we left the tunnel, the Tiber was in view. Crossing the Tiber on the Ponte Principe Amedeo Savioa Aosta bridge, a beautiful view of the Ponte Vittoro Emanuele II bridge with the Castel Sant’Angelo in the background emerged. Once you cross that bridge into the Old Rome neighborhood, there is no denying the beauty and history of Rome.

We headed down the Via de Coronari, a narrow road only really appropriate for pedestrians. The narrow cobblestone road is about the size of an American alley. It’s lined with shops, cafes, restaurants and art galleries. It has a wonderful charm with planters along the sides and folks eating gelato.

**A view of Piazza Navona with a quick Peroni to start off the journey.**

We were looking for something to drink as it was already 106 degrees Fahrenheit and found just the place in Piazza Navona. We stopped for a quick drink and walked around the Piazza for a few moments before returning to our trek to Trevi Fountain.

**The Pantheon was completed in AD 126 under the direction of the Emperor Hadrian.**

While most of what we came across was accidental, including Piazza Navona, I deliberately went a few blocks out of the way to visit the Pantheon. The Pantheon has an enormous concrete dome and was built nearly 2,000 years ago during the reign of Hadrian. It was built as a temple to all the gods, but in the 7th century was reinvented as a church to St. Mary and the martyrs. It’s an absolute wonder of structural engineering and it still stands as the largest concrete dome in the world.

**Without the portico at the entrance, I think the Pantheon would look rather strange.**

We didn’t walk into the Pantheon. I would have loved to but the lines looked long and we didn’t have an unlimited amount of time. To be honest, Rome is so filled with history that if we stopped to take time at every amazing or historical place, we wouldn’t have made it more than a couple of blocks.

**This is, by far, the most beautiful donut I have ever eaten.**

Shortly after the Pantheon, we stopped by a pastry shop, with the idea of getting a pistachio cannoli. Somehow, I said the wrong thing and ended up with a donut filled with pistachio cream. It wasn’t what I wanted but it was delicious.

**There are cascading levels with benches heading down to the fountain similar to a small theatre.**

After all of our distractions, we managed to make our way to Trevi Fountain. It is every bit as beautiful as you would expect and even more crowded than I expected.

**Trevi Fountain sits at one of the terminuses of the Virgin Waters aqueduct that carries water from the Alban Hills outside of Rome.**

Trevi Fountain was completed in 1762 by Architect Guiseppe Pannini after being left half completed by the original architect Nicola Salvi who died in 1751. It was built at the end of one of the aqueducts that supplied Rome with water. It is made mostly of travertine stone.

**The stone needed for Trevi Fountain was quarried from Tivoli, located in the hills to the east of Rome.**

I can only imagine just how serene this must seem when it’s not wall to wall people, but obviously this was not the case in the middle of tourist season.

**Four artists are responsible for the sculptures as well as two architects.**

Across from Trevi Fountain is a beautiful Catholic Church named Santi Vincenzo e Anastasio a Fontana di Trevi. It’s a baroque church completed in 1650. Also nearby Trevi Fountain is a United Colors of Benetton which annoyed Jenn by its proximity to Trevi – hey I guess Romans like to shop for overpriced chinos close to beautiful monuments.

**Santi Vincenzo e Anastasio a Fontana di Trevi Catholic Church**

On our way back, we got some macaroons from Don Nino. I wish I could tell you if they were good or not, but we never actually had a chance to eat them. We ended up leaving them somewhere when we either stopped for dinner or a drink. They did look really good though.

**Someday we’ll have to come back here and actually eat the macaroons instead of just buying them and depositing them in a random location.**

We stopped in for a quick carry out beer at Drink Art Gallery, where I’m pretty sure I got a Carlsbad beer which seemed pretty forgettable, but the bar seemed pretty cool.

**These monkeys won’t talk about how many beers I drank and don’t want to hear any more of my stories.**

I really enjoyed the narrow roads where all of these nice bars and restaurants were located. It made for a calm, yet beautiful and interesting walk.

Narrow cobblestone roads are the best roads. Also, that’s a McDonald’s there! If you stop at McDonald’s in Rome you are completely incapable of making rational decisions and need to sign over a Power of Attorney to someone who can.

We also stopped at a rooftop bar called La Terrazza del Cèsari where Jenn was introduced to unpitted green olives. She loved the olives but hated the extra effort involved. The sun was unrelenting up there and we quickly finished up our drinks and left. It was beautiful, but not the best place to be when its hot.

**La Terrazza del Cèsari has a view of the Temple of Hadrian and a lot of roofing tiles.**

We also managed to stop for a quick drink at some sports bar called La Botticella of Poggo Giovanni, you know, typical sports bar name. They had a lot of Steelers memorabilia, which checks out, because Steelers fans will live anywhere except Pittsburgh. All joking aside, that bar had a great beer selection and if we weren’t essentially on a pub crawl at this point, I would’ve liked to stay longer.

**A little scrabble graffiti by https://www.wordsbywabisabi.com**

We finished the evening with some pasta and antipasti from Ristorante Pizzeria Castello on Via Della Fornaci in the neighborhood where our Airbnb was. It was still really hot and the only available table was inside which was uncomfortable but the food was amazing. We had caprese, pesto pasta and cacio de pepe. Everything was typically Italian, simple, beautiful and perfectly prepared. We finished with a shot of limoncello that apparently I forgot about until I made a comment to Jenn about never trying limoncello and she laughed at me and said “Yeah, ya did.” Maybe it was delicious, I don’t know.

**Cacio de Pepe pasta – I still have dreams about this pasta**

This was one of my favorite days of our vacation. I honestly didn’t want to leave the air conditioned Airbnb because I knew just how hot it was going to be. We spent the morning at the Vatican and the afternoon on a nice walk to Trevi Fountain. The walk was great because we took our time and when we wanted to check out a bar, restaurant or shop, we stopped. We allowed the city to guide us instead of having a preprogrammed set of things we needed to see. I lost 10 pounds from sweating, but it was great.