My FAVORITE Credit Card by Justin Murphy

There are a lot of individuals out there far more qualified than I to write about the BEST credit cards. So I’m just going to tell you about my FAVORITE credit card. It’s metal, shiny, my name is written on it, and the vast majority of cashiers I hand it to go ‘wow’.

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As a young “Millennial”, I’ve done alright for myself and managed to keep my credit score in the “Excellent” realm for several years now. I can’t stress how important it is to get a credit card at 18, it opens so many doors (in the US especially), and is seriously one of the best things you can do for personal finance. You’ll learn self control, money ain’t free, and if you fuck up in life and spend more than you have, it’s gonna cost ya even more. However you’ll also learn that credit cards SAVE you money when used properly, and can even earn you quite a bit of money! 

So hopefully you’re reading this having taken decent care of your credit, and made your payments on time; if so good news, the credit card world is your freakin oyster! A very profitable and luxurious oyster, full of perks, free upgrades and yes actual profit, if done correctly.

There’s actually a whole community out there who seeks ways to make money off the big banks through signup bonuses and meeting various requirements for accounts. You don’t even have to have a whole lot of money. Here’s a few resources if you’re looking to get your churn on:

But alas we’re here to talk about my favorite credit card. The Chase Sapphire Reserve. Now if you’ve done any research -- “A $450 ANNUAL FEE YOU’RE FUCKING CRAZY JUSTIN” -- yeah, it’s got a fee.

I’ll blow that one out of the water tho by noting you’re basically prepaying $300 towards Uber rides, Flights or other “Travel” expenses. So that immediately knocks it down to $150. A high, but much more reasonable number for most to digest.

I should mention that if you don’t dine out or travel, this card is not for you.

Now that we’re at $150 a year, what does that get you? Well! Besides the 50,000 point signup bonus (Originally 100,000) which equates to about $750 worth of travel (the best use of your points), it comes with a ton of perks:

  • Access to Priority Pass Lounge Network (10+ visits is a $399 Value)

  • Travel Insurance (read the fine print but it’s quite good)

  • 3x Points on Travel & Dining - ($5,000 spent and you’re ahead)

  • No Foreign Transaction Fees (this is beautiful)

  • Purchase Protection (Saved my ass)

  • 1 Call Customer Support

That last one is the most important to me. When I call the phone number on the back of my card, someone answers in about 10 seconds; and within 5 minutes, whatever problem I was having is solved.

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“I’m in Thailand for the next 2 months, don’t block my card” ; “Yes Sir, anything else?” ; “Nope! Have a great day!”

No hold music. <3

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“I’d like to file a fraud claim” ; “Yes sir, can you please send proof here and we’ll take care of it” ; *sends proof* ; “Thank you sir, we’ll take care of the rest.”

I’ve never had such a pleasant experience dealing with such a high value fraud claim. I sent them the documents. Chase handled it beautifully. No further input was needed. <3

 

For me, this is my favorite Credit Card by a long shot. I easily eat and drank the annual fee at airport lounges, so anything further is pure savings/profit/free. If you’ve got a decent credit score, and like to spend money on food and travel, this could very well be your favorite credit card too.

Apply

On a final note - It’s a Visa. I’ve never had an issue with a merchant anywhere in the world ‘not accepting’ a Visa, unlike my Amex. Also in full disclosure, the links in this article are affiliate links, but have no influence on my thoughts the article.

When it rains.... it floods - Bangkok by Justin Murphy

I've never experienced a rainy season in SEA before so this is all quite new to me. A night out with some new friends for a few drinks turned into a 3am slosh back to my hostel. While surface floods are common, after some research it typically isn't THIS bad.

Tracking It All - Personal Metrics by Justin Murphy

Back in late 2016 I bought an apple watch and decided to get serious about tracking the things in my life, first and foremost - fitness. Not just because it was all the rave, but it was certainly an area I was lacking in. It was a really inspiring gadget and after a few weeks of tracking my food in MyFitnessPal, and Activity, I figured there would be some useful data I could learn from to improve my health. All the data imported into HealthKit data which was was awesome, but there was no meaningful way to view it or compare it from there.

Luckily around the same time that I bought the watch, Anand had just launched HealthKit support for Gyroscope. I immediately downloaded the app and quickly saw how tightly it integrated, it was awesome! After a short period of trying to figure out it’s “value” to me, it went on sale and I bought a pro subscription. From there I set up all the connections, linking everything I could to see if any meaningful information could be found; This is when I began tracking it all.

Boom. Beautiful.

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What you do with all this information is completely personal, for me, it’s helped me lose weight; realize that even though I may feel 'busy', i'm not getting a lot done; and of course how and where I spend my time (Bars & Friends). I now value my sleep more than ever as it directly correlates to productivity, and my resting heart rate is a great determining factor for stress and general health. Although some of this may be common sense, seeing and working with my own personal metrics made all the difference.

What’s all involved? Well, you basically buy or setup the following and let er roll:

Apple Watch - Essential to the mix, this is by far the best health tracker out there today with very active development and arguably the best sensors. It’s also a lot more than just a health tracker ;)  *Google Fit also applicable here*

Rescue Time - This gave me some of the best insight in term of how I was actually spending my time in front of a screen. I installed it on both my work and personal computer, and within a week I knew exactly where I was wasting most of my time. I was able to make adjustments @ work to be more efficient, while also showing my boss how much time I was being pulled away from my desk. On my personal laptop I could see which weeks I was watching a bit too much Netflix, and I was able to see how much time per week I was putting into building MurphDev, sans distractions. 

MyFitnessPalNow owned by Under Armour this is one of the better applications i’ve found out there that tracks calorie intake and has a great database for scanning and entering food from restaurants. I’ve been using this for years, but only recently got serious about logging food daily. After about a month, you’ll see common trends and you can make adjustments to cut calories, take in more protein, less sodium, etc.

MovesI LOVE MOVES. This app is so useful! Ever been somewhere spectacular but can’t exactly remember what trail you took to get there? What about that awesome restaurant your friend took you on your latest visit? Moves has your back. Like a little GPS memory. While it might be freaky to some people, I find it incredibly useful.

Gyroscope - The one that ties it all together. I love this app, it actually makes all those stats you’re tracking useful and puts it in one place. Meaningful charts, Daily/Weekly/Monthly/Yearly reports, and if you’ve had an incredibly successful period of time, you can even order some amazing artwork of your stats. Heck, even a hotspot map of your city could look amazing depending on how active you are.

On that note, I’ll land on my final point. Unless you really want to use this type of data, there is no reason to track it. It’s highly personal and while I see no use for it criminally, there’s the off chance that maybe it’s used against you at some point, but then again maybe it could help you just as well. PII is a weird one like that, especially location. Just use with caution, and I hope this helps you reach your goals!                I’m getting there..... slowly :)