Iyiphi indlela ehlanjululwayo ekufanelekile kuwe?
Ihlelwe nguJoe Cortez, ngoMashi 2018
Inani eliqondile le dollar yephuzu alikwazi ukukhohliswa. Ake sithi wasebenzisa amakhilomitha angu-25 000 ukuba uhambe esuka eNew York uye eDallas esikhundleni sokukhokha u- $ 250 ngethikithi. Ngaleso silinganiso, ukwazi ukuthola cishe inani elilodwa lemali kusuka kumakhilomitha akho ngamunye. Leya mayela angaba ngu-10 amanani enani lomuntu oyisebenzisayo ukuhamba ngezinyawo eziyi-135 000-mile ukuhamba ngezinyawo ukusuka eNew York kuya eHong Kong okungaba kubiza imali engu- $ 13,500.
Izindiza zezindiza zinikeza inani emahlathini abo abahamba njalo uma uhamba ukuthenga. Kodwa njengama-real-life currencies, lezo zimiso zingashintsha ekudonseni kwejaji. Ungabala kanjani ukubaluleka kwe-mile yamaflaya noma iphuzu ngaphambi kokuba uthenge ithikithi? Kuye ngokuthi uyisebenzisa kanjani, kungenzeka ukuthi uthole okuningi kwenani ngalinye.
Ibala inani lamamayela e-airline
Ukuthi ukhokhela kangakanani amamayela ezindiza nokuthi kungakanani owahlengayo ngokuvamile kuvame izinto ezimbili. Isibonelo: uma usebenzisa ikhadi lokuthenga ngesikhwama sezindiza ukuze uthenge ngaphandle kwesigaba sebhonasi, ukhokha u-$ 1 ngemithayela yezindiza. Uma uthengela esigabeni sebhonasi lapho uthola khona amamayela amabili nge-dollar, uzobe uchitha ama-50 amasentimitha ngayinye. Izindleko zamakhilomitha ziyanciphisa okunye ngokususelwa kwinombolo yamamayela owatholayo nge-dollar ngayinye echithekile. Ungathola futhi amahora amaningi okuhamba ngezindiza ngezindiza, kodwa zingaki oziholayo ngokuvamile ezixhomeke ekutheni ingakanani imfucuza yakho yezinsizakalo futhi uma unesimo se-elite .
Uma uthenga amamayela kusuka ezindizeni zezindiza , inani lingashintsha ngokuya kokuthola okuningi. Ngokwesibonelo, ungathenga amamitha angu-1 000 e-American Airlines AAdvantage ngqo kusuka e-airline ngo-$ 29.50, noma ngamaphesenti angu-2,95 ngehora. Kodwa uma uthenga amamayela angu-150,000 AAdvantage futhi uthole ama-bonus angu-115,000 nge $ 4,425, uzokhokha ama-1.67 amasentimitha ngamamayela angu-265,000.
Kodwa uma kufika isikhathi sokusebenzisa lawo mayela, ungaqiniseka kanjani ukuthi uthola inani elikhulu? Indlela elula yokuthola ukuthi uphuma ngaphi ngayinye ukuhlukanisa intengo yendiza yakho phezu kwentengo ngamamayela. Esikhathini esiphezulu, ukwahlukana kwentengo yetikiti eziyi-13,500 yeklasi lokuqala ngezindleko zamathikithi emakhasini amaningi ama-flyer (135,000) ngokubaluleka kwamasenti angu-10 nge-mile. Ukukhala okukhulu kusuka ku-cent eyodwa ngehora ngokuchitha amamayela angu-25 000 kwitikithi ze-$ 250 zezomnotho.
Ingabe kukhona indinganiso ongabamba ngayo amamayela akho? I-Points Guy (lapho umbhali wangempela walokhu okuthunyelwe khona kungumhleli omkhulu) ushicilela izindinganiso zanyanga zonke zezinhlelo eziningi ezihamba phambili zamaflaya. Ngezinhlelo ezinkulu ezihamba phambili zamaflaya e-United States, kufanele udubule ukuze uthole inani elingaphezu kuka-1.5 amasentimitha ngethikithi lakho - kodwa ngokuhlela, ungenza ngcono nakanjani .
Ibala inani lamaphuzu ehhotela
Ama-airline miles awawona kuphela abamba inani elithile lexabiso. Amaphuzu ehhotela anenani elilinganayo uma lisetshenziswe kahle. Kodwa ukubala izindleko nezindleko zabo kuhluke kakhulu kunelezo zamakhilomitha ezindiza.
Njengoba kufana namamayela ezindiza, ungathola amahhotela amahhotela ngezindlela ezihlukahlukene, kusukela ekuhlaleni emahoreni, ukuze usebenzise amakhadi esikweletu ngamakamelo .
Ngokungafani namakhadikredithi e-airline, uzovame ukuthola amanye amaphuzu avela ekhadini lesikweletu lehhotela ukuze usebenzise imali yansuku zonke, kanye nanoma yikuphi amabhonasi wesigaba esihlosiwe. Lokhu akusho ukuthi uthola imali eyengeziwe yokusebenzisa kwakho, ngoba amaphuzu ehhotela ngokuvamile abamba inani elingaphansi kwamamayela ezindiza.
Ake sicabangele ukuhlala ubusuku obulodwa eNew York City ehlobo. Ihhotela laseSt. Regis, eliyingxenye yeNdwendwe ekhethwe yi-Starwood , lingadola u-$ 695 ubusuku bonke. Kodwa ikamelo elifanayo liyatholakala ku-30,000 Starpoints. Lokhu kubonisa ukubaluleka kwama-2.3 cents ngephuzu.
Ngaphandle kweGreat Hyatt, igumbi lingase libiza u-$ 253 ebusuku. Kunalokho, ungasebenzisa amaphuzu we-World of Hyatt angu- 25,000, ngenani elingaphansi kwekhulu elilodwa iphuzu ngalinye.
Okwamanje, i-JW Marriott ingase ibe khona ngo-$ 398. Igumbi elifanayo lobusuku obunye lizophinde lithengise amaphuzu angu- 45,000 eMarriott Mewards , ngenani lezinombolo ezingu-8.
Ingabe lokhu kusho ukuthi amaphuzu we-Starwood Okuthandwa Ngamaminithi ayigugu kunamaphuzu wama-Marriott? Akunjalo: nakuba uthola inani elingcono kusuka ku-Starpoints, cabanga ukuthi ama-starpoints angabuye aguqulwe ngamaphuzu weMarriott Rewards ngokwesilinganiso esisodwa kuya kweyodwa: i-Starpoint eyodwa ilingana namaphuzu amathathu wama-Marriott. Kuleso simo, i-30,000 Starpoints oyisebenzisayo eSt. Regis izoba ubusuku obubili ku-JW Marriott, okungenzeka ikunike inani elikhulu.
Ngokuphinda futhi, i-The Points Guy iyinsiza enhle yokucabangela izinga lokuhlengwa okuhlosiwe kunoma yiliphi iphuzu lehhotela. Ngenkathi amaphuzu ehhotela ahloswe amanani avela ku-.5 amenti ngamaphuzu ekugcineni okuphansi, kuya kwamaphesenti angaphezu kwamaphesenti ngamaphuzu ekupheleni okuphezulu, ukuhlengwa kwezinga eliphakeme kuzokunika okungaphezu kwama-amabili amasenti ngephuzu elilodwa.
Ibala inani lamaphuzu ebhange
Ngokungafani namaphoyinti ezindiza namahhotela, amaphuzu asebhange aqondile kakhulu ukubala inani. Ngamanye amabhange amathathu amakhulu okukhishwa ngesikweletu - i-American Express, i-Chase ne-Citi-ikuvumela ukuba usebenzise amaphuzu abo ngokuqondile ngokusebenzisa amarekhodi abo ukuya ekuhambeni kwamahhala noma okuhlisiwe. Kodwa inani langempela lala maphuzu lingase lihluka.
Ngemivuzo Yobulungu be-American Express, ungasebenzisa amaphuzu okuhamba nge-American Express Travel. Kungakhathaliseki ukuthi iyiphi ibhanoyi noma ihhotela olibhukayo, amaphuzu akho azohlala ewufanele amaphesenti ayisishiyagalombili. Ngenxa yokuthi uchitha okuningi okuningi ukuze uthole lawo maphuzu, ukudubula kwakho okuhle kakhulu ukudlulisela amaphuzu komunye umlingani kunalokho.
I-Chase ikuvumela ukuthi usebenzise amaphuzu akho Okugcina Emiklomelo ezindizeni eziningi nge-Ultimate Rewards Travel Center. Ubaluleka bunani obusekelwe kwikhadi olibambe ngalo. Uma unayo i- Chase Sapphire Reserve , amaphuzu akho athole ama-1.5 cents ngamunye, okusho ukuthi amaphuzu angu-50,000 okuyizimpendulo eziqakathekileko kufanele athole u-$ 750. Chase Sapphire Amaphuzu Okubambisana Amakhadi Okubambisene Namakhadi anenani elilinganiselwa ku-1.25 cents per point, okusho ukuthi amaphuzu angu-50,000 afaneleka ku-$ 625. Nakuba lokhu akuyona inani elibi lamaphoyinti, kuhlale kudingekile ukucabangela abalingani bokudlulisa ngaphambi kokubhuka nge-Ultimate Rewards Travel Portal.
Ngokufana no-Chase, i-Citi inikeza isilinganiso esiphezulu sokusebenzisa i-Citi ThankYou Amaphuzu ngokusebenzisa isikhungo sabo sokuhlengwa, ngokususelwa ekhadini lakho. Uma unamakhadi amabili aphezulu, i-Citi Prestige Card noma i-Citi ThankYou Premier Card, amaphuzu akho athatha amanani angu-1.25 ngamunye. Uma ubamba elinye ikhadi le-Citi elithola ama-ThankYou Amaphuzu, amaphuzu akho adinga kuphela ikhulu elilodwa ngalinye. Uma ubamba amakhadi aphezulu, ukusebenzisa amaphuzu ngokusebenzisa i-portal akuyona indlela embi yokuhamba. Kodwa uma ubamba elinye iCiti ikhadi, nakanjani ubuke abalingani bokudlulisa kuqala.
Yiziphi amaphuzu amahle kakhulu namathuluzi wokubala amamayela?
Kukhona amathuluzi amaningana namathuluzi wokubala ongawasebenzisa namhlanje ukuqinisekisa ukuthi wonke amaphuzu afanele isisindo saso ekuhambeni okuncishisiwe. I-ExpertFlyer.com ingenye yamathuluzi ethu abathandayo wokuthola izihlalo zesikhombiso, ukubala izintela ezibhekene namaphoyinti, nokunquma indlela engcono yokusebenzisa wonke amaphuzu akho. Kodwa-ke, i-ExpertFlyer ifika ngemali: inguqulo eyisisekelo i-$ 4.99 ngenyanga, kanti inguqulo ye-premium ingu- $ 9.99 ngenyanga noma $ 99.99 ngonyaka.
Amanye amathuluzi okubala ukubaluleka kwamaphoyinti namamayela:
- Isihlalo 17A "Kufanele Ngibe" I-Calculator: Uma uzamazama phakathi kokusebenzisa amaphuzu noma ukukhokha ngokwezimali, sebenzisa lesi sibalo esilula ukuze ubone ukubaluleka kokuthola kunoma yiliphi iphuzu.
- I-Miles.biz: Le wokubala okulula ukuyisebenzisa ikuvumela ukuba ufake amaphoyinti akho okuvela kuwo kanye nendawo okuyo khona ukuze ubone ukuthi ingabe indiza yakho ingabiza kangakanani izinhlelo eziningi. Ngolwazi, unganquma ukuthi kufanele ukhokhe noma cha, noma ukudlulisela amaphuzu ukuze uthole inani elibaluleke kakhulu.
Ngingaqala kanjani ukubala amaphuzu namamayela?
Ukubala inani lamaphoyinti namamayela akuyona into elula, ikakhulukazi amaphuzu amasha kanye nomqoqo wamamayela. Uma ungakhululekile ukuzama ukuqonda ukuthi kufanele ukhiphe inani elingakanani kunoma yiliphi iphuzu, qala ngekhadi lesikweletu lesikweletu, noma amaphuzu ebhange lesikweletu. Lezi zinhlelo zamaphuzu zikunikeza isilinganiso sokuhlengwa esinqunyiwe, okukuvumela ukuba unqume ukuthi uzokwenzela nini uhambo lwamaphupho akho.
Njengoba uthola ukhululekile futhi wazi ukuthi yiziphi izindiza ozithandayo ezindiza kakhulu, cabanga ngokungeza izinhlelo ezengeziwe zamaphuzu ku-mix. Phakathi kwama-back back, ukudlulisela abalingani namanye amaphuzu okuthola amaphuzu, uzobe usendleleni yokudonshulwa amaphuzu bese uwafaka ekuhambeni ngaphandle kwesikhathi.