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4 Ways To Be a Credit Card Point Guard

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Are you using credit card points correctly? If you haven’t taken a vacation on them lately, maybe not. We talked to Brian Kelly, a former Wall Street guy who now runs ThePointsGuy.com, a website devoted to the art of making the most of credit card rewards programs. Kelly regularly pays $5 for flights from Miami to New York, and once spent just $204 for a first-class Singapore Airlines ticket valued at $8000. “I’m an extreme,” he says, “but the rewards game is lucrative, and it’s real.” Here’s how to get in on it.

1. TAKE SIGN-UP BONUSES SERIOUSLY ...

Those offers of 10,000 or 20,000 points if you spend $3000 over the first three months of card ownership? Worth it, says Kelly. At one cent per point, you can make $100 or $200 out of your regular spending.

2. ... ESPECIALLY THE RIGHT ONES.

While most really great sign-up bonuses are targeted to consumers with high-spending histories, Kelly says that sometimes “offers can leak out through social media.” An American Express card once offered a 50,000-point sign-up bonus through its own website, and, at the same time, a 100,000-point bonus through CreditCards.com. Those who found the higher one just lucked out (or knew where to look).

3. SIGN UP ONLINE.

“Never sign up for a credit card in an airport,” Kelly warns. Or really, in person anywhere. The distractions and sales pressure make consumers vulnerable to accepting bad deals.

4. CHOOSE THE CASH-BACK OPTION.

Kelly advises that if you want perks that involve retail purchases, don’t try to score them redeeming points with stores. “You’re usually getting about 1 percent or less back, there.” Instead, go with a cash-back card that offers an extra bonus on whatever you spend the most money on (gas, groceries, travel, etc.). A good one should get you at least 2 percent.

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Interactive Chart Tells You How Long It Takes to Get Frostbite
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For many people, winter means dry skin and high heating bills. But if you find yourself outdoors in the right conditions, it can also mean frostbite. Frostbite occurs when the skin and the tissue beneath it freezes, causing pain, loss of sensation, or worse. It's easier to contract than you may think, even if you don't live in the Siberian tundra. To see if frostbite poses a threat where you live, check out this chart spotted by Digg.

The chart, developed by Pooja Gandhi and Adam Crahen using National Weather Service data, looks at three factors: wind speed, air temperature, and time spent outdoors. You can hover your cursor over data-points on the table to see how long you'd need to be exposed to certain wind chills for your skin tissue to freeze. If the wind chill is -22°F, for example (10°F air temperature with 5 mph winds), it would take 31 minutes of being outside before frostbite sets in. You can also look at the time scale above the chart to calculate it a different way. If you bring your cursor to the 40-minute mark, a window will tell that frostbite becomes a risk after exposure to -17°F wind chill for that amount of time. You can play with the interactive table at Tableau Public.

Chart of cold weather conditions.
Adam Crahen, Pooja Gandhi

If you can't avoid being outside in extreme wind and cold, there are a few steps you can take to keep your skin protected. Wear lots of layers, including multiple socks, and wrap your face with a scarf or face mask before venturing into the cold. Also, remember to stay hydrated. According to the American Academy of Dermatology, drinking at least one glass of water before going outside decreases your risk of contracting frostbite.

[h/t Digg]

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Flurry Road: 5 Tips for Safe Driving on Winter Roads
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For drivers in the Upper Midwest, traveling during the winter can range from slightly unsettling to deadly. Between 2011 and 2015, according to data from the National Highway Traffic Safety Administration and the Auto Insurance Center, an average of 800 fatalities occurred annually as a result of weather-related accidents. Icy roads, poor visibility, and other factors can make cold-weather commuting a dicey proposition.

While we can’t control the weather (yet), we can increase our odds of navigating slush-filled roadways successfully. Mental Floss spoke with American Automobile Association (AAA) driving education expert William Van Tassel, Ph.D., for some key tips on how to get your winter driving in gear.

1. GATHER SUPPLIES.

Before you even start your car up for a trip through inclement weather, Van Tassel recommends you pack a worst-case scenario trunk full of supplies. “In case of emergency, you want things on board like water, a blanket, a flashlight, gloves, and kitty litter,” he says. (That last one is for traction in case you get stuck in a snowbank.) You should also have road flares, a shovel, an ice scraper, and a fully-charged cell phone to call for assistance if needed.

2. SLOW DOWN.

Posted speed limit signs assume you’re driving on clear and clean roadways. If snow or ice has accumulated, you need to adjust your speed accordingly. “In slick conditions, tires lose a lot of traction,” Van Tassel says. “You should be cutting your speed down by half or more.” Unfortunately, a lot of people learn this the hard way. “After a snowstorm, we’ll see more crashes on day one than days two or three.”

Van Tassel also cautions to avoid becoming overconfident on snow tires. While they provide better traction in bad weather, it’s not license to speed up.

3. MAINTAIN A SAFE DISTANCE FROM OTHER CARS.

You should be doing this regardless, but bad weather makes it even more crucial. Keep your vehicle at a safe distance from cars behind, in front, and off to the sides, as well as away from pedestrians or cyclists. If you need to brake suddenly, you need time—and space—to avoid a collision. “You really want more space in front,” Van Tassel says. Try to stay between seven and 10 seconds behind the vehicle ahead. That means seeing a landmark and then counting down until you pass the same marker. If you’re only a few seconds behind, you’re too close.

4. DON’T STEER INTO SKIDS.

“That was an old rule of thumb,” Van Tassel says. “The problem is, by the time I remember to steer into a skid, I’m already in a ditch.” If you feel your vehicle sliding, it’s better to steer in the direction you want to go. “You’ll drive where you look, so don’t look at a telephone pole.”

To help maintain control of the car, you want to focus on doing one thing at a time. “If you’re going through a turn, brake, finish braking, then turn. Don’t brake and turn at the same time.”

5. KEEP YOUR HEADLIGHTS ON.

Yep, even in broad daylight. Bad weather limits visibility, and headlights allow both you and your fellow drivers to orient a vehicle. “You’re twice as visible to other drivers that way,” Van Tassel says. “When people can see you, they can avoid you.”

Van Tassel also recommends that drivers avoid relying on fancy car technology to keep them safe. While blind spot monitoring and lane changing sensors are useful, they’re not there so you can zone out. “The tech is there to back you up if you need it. Drive the car, but don’t rely on those things,” he says.

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