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Getting the most from credit-card points.

Hola, money nerds, and welcome to Wednesday. I hope you’re having a good week so far. Today we have three articles and one video for you — and 75% of our stories are travel-related.

How to squeeze the most value out of credit-card points. [Movement Capital] — “Have you ever wondered if you’re getting the most value out of your credit card points? This post explains how to make your points stretch further, avoid annual fees, and ranks the most valuable sign-up bonuses. Travel blogs make money from affiliate links that pay them if you get approved for a card. This creates an incentive to push cards with high affiliate payouts and results in less coverage of other cards. This post doesn’t have any affiliate links.

The best way to tour a country is through its grocery stores. [New York magazine] — “Grocery stores have the gritty, hustling authenticity of a bodega or street cart with the propriety and promise of Whole Foods or Trader Joe’s. And they offer a tourist-free paradise for people-watching, especially the kind of locals tourists never meet.”

True story: I’m a big believer in visiting grocery stores when I travel. Like the author of the article above, I find that they’re a great way to get to know a city’s (and country’s) culture. I also try to visit department stores when I travel, to buy one piece of clothing in each country. Final tip? Get your hair cut when you travel. It’s a trip!

Life Two: What we used to call “retirement”. [The Financial Times] — “Life One is our grown-up working life. Life Two is what follows. It’s the best part of life, so much so that Life One is just the long prologue that finally gives way to the main event, when enjoyment, happiness, and fulfilment peak.”

Let’s finish today with this video from Ask Sebby in which he reveals his hotel-room upgrade strategy. I’m not very sophisticated with my travel hacking, so videos like this are valuable to me.

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