Another TBB post featuring the most eclectic links around the web such as bubbles and inflation, the current state of AI, happy retirement, rethinking Chase along with everything, AI jargon and NotebookLM, the Reiner family tragedy, wild births scam, best Christmas light displays, the best photography links and of course always all of the most important developments in the crazy world of frequent flyer miles and points at the lower half of the post. Have a great weekend!
Blog Mission: To Educate. Entertain. Inspire. In That Order!
Support TBB by applying for CREDIT CARDS or Buy Me a Coffee or click on LINKS
If you like my blog please subscribe, share it, and forward it widely. It’s free and I NEVER sell or give away email addresses.
No clickbait. No ads. No algorithms. No sponsors. No AI. No Paywalls.
Follow me on Instagram and subscribe to my YouTube channel
This blog started way back in 2012 focusing on my crazy hobby addiction of traveling with frequent flyer miles, hotel and bank points. It has since evolved to curated posts featuring the best web content along with my commentary.
This blog stays in business with clicks ONLY from readers for credit cards and coffees. You can always get to my credit card links by clicking on “CREDIT CARDS’ at the menu on the top of the homepage or the “We make finding a new credit card simple” banner on the right sidebar. Or, preferably, you can receive new offers in your email inbox by signing up to receive alerts HERE . Or just email me.
BLOG HOUSEKEEPING
This is truly a one man labor of love operation, enjoy it while it lasts.
Hello from Brooklyn at New York City.
I am going to start posting my annual Best of Lists posts next week. I still have not decided if I should start dropping them every Tuesday while keeping the Friday posts going. I could use a break around here, we shall see.
QUOTE OF THE WEEK
“Everyone driving slower than you is an idiot, and everyone driving faster than you is a maniac!” – George Carlin
MUST READ GEMS
I know, I know, not another story on that mega piece of shit Jeffrey Epstein. But this is the best investigative job to date on this guy and I found it worthy to place it in this section. This all makes sense now how this guy got wealthy smh: Scams, Schemes, Ruthless Cons: The Untold Story of How Jeffrey Epstein Got Rich.
PERSONAL FINANCE
Please ignore all the stock market predictions that are rampant in the media these days. They are all worthless bullshit, you are welcome.
I enjoy the writing of Howard Marks. Even though I may not agree with him often. I wish I could write as simply elegantly like him. I should start by holding off on lols and exclamation marks…LOL. Ok, let’s get serious. What’s on our minds lately: Is It a Bubble?
Memories are short, and prudence and natural risk aversion are no match for the dream of getting rich on the back of a revolutionary technology that “everyone knows” will change the world.
For AI infrastructure, the warning signs are flashing: vendor financing proliferates, coverage ratios thin, and hyperscalers leverage balance sheets to maintain capex velocity even as revenue momentum lags. We see both sides – genuine infrastructure expansion alongside financing gymnastics that recall the 2000 telecom bust. The boom may yet prove productive, but only if revenue catches up before credit tightens. When does healthy strain become systemic risk? That’s the question we must answer before the market does. [Classic Howard…he never answers the question directly. Anyway, time will tell as it always does]
There is no doubt that investors are applying exuberance with regard to AI. The question is whether it’s irrational. Given the vast potential of AI but also the large number of enormous unknowns, I think virtually no one can say for sure…Since no one can say definitively whether this is a bubble, I’d advise that no one should go all-in without acknowledging that they face the risk of ruin if things go badly. But by the same token, no one should stay all-out and risk missing out on one of the great technological steps forward.
All the dates you need to know are here, this is great: The Most Important Ages in Retirement Planning.
Since inflation has been in the news lately, this is a great chart found here: Maybe the Fed should aim for 3% instead. Is 3% inflation the new 2%?

CRYPTO/TECH/SCAMS
If this can happen to him, what makes you certain it won’t happen to you or a loved one? Must read, share it with your parents perhaps? Tech Support Scammers Stole $85,000 From Him. His Bank Declined to Refund Him. A retired lawyer lost the money in a tech support scam, a type of online fraud that is surging. Citibank said it couldn’t recover the funds, which criminals wired from inside his account. Yep, Citibank. Definitely not shocked Citibank’s IT came through once again smh.
Americans over age 60 lost roughly $982 million last year to tech support scams alone, one of the more lucrative frauds, according to the Federal Bureau of Investigation’s Internet Crime Complaint Center. That figure is up 66 percent from 2023, but it’s still just a fraction of the estimated $16.6 billion cybercriminals took in 2024 overall, up 33 percent from the year before, and widely viewed as an under representation since so much fraud goes unreported. Many criminals move the stolen money using crypto or wire transfers, a method that carries weaker consumer protections than other electronic transfers made through online banking platforms. [Crypto, the killer app…for fraudsters!]
Remember that guy who tricked Netflix to pay him $11 million to make a sci-fi series and then…you won’t believe what he did with the money next. Director Found Guilty in Netflix Fraud Trial. Carl Rinsch lost millions of dollars in risky securities trades, made that money back in cryptocurrency investments and used the profits for a luxury spending spree.
Instead, Rinsch transferred the money, wired to his production banner, to his personal brokerage account. In less than two months, he lost more than half of the funds on seven-figure options trades before spending the remainder on cryptocurrency. Rinsch proceeded to turn a profit, and a $10 million spending spree followed. He spent roughly $3.8 million on furniture and antiques, including nearly $1 million on two mattresses and linens, $2.4 million on five Rolls-Royces and a Ferrari, and $650,000 on watches, among other things, according to the indictment. [Added the bold font for emphasis…$1 million in just two mattresses and linens…WTF!]
AI
Fantastic recap of where we stand in the AI world: A whistle-stop tour of the state of Artificial Intelligence.
If 2023 was the year it announced itself on the global stage, and 2024 was the year it started to take a leading role, then 2025 has been the year that AI really began calling the shots — whether we like it or not. The technology’s progress has driven the economy, powered the stock market, dictated political discourse, flamed the trade tensions between the US and China, encroached on the art world, infiltrated nearly all of our devices, and influenced the algorithms that decide what we watch, read, love, and hate.
We are all learning new words related to AI. So, here is a primer: The Idiot’s Guide to AI Jargon. Starts with the word of the year and…adds more.
AI Slop: We’ve all seen it by now, with our social media feeds clogged up with low-effort videos, images, and illustrations cooked up by AI models like Sora. The latest genre of awful to emerge from this hellscape of content is fake recipes, which have flooded the internet in the lead-up to Thanksgiving. [You don’t have to ever wonder or fear that this blog will have any slop, I despise it]
Google’s NotebookLM has gotten even better, wow. This is an excellent primer of it: NotebookLM: The Complete Guide. The Most Useful Free AI Tool of 2025.



Good morning! Thanks for the Epstein link. Wow! So many moving parts.
It is indeed a good time to rethink points / miles. It has been much fun!
Not surprisingly, I think they did a really selective job over at the Injustice Dept on what to pick from the Epstein piles.
Is really so out of it or did they decide it is focus on profitability all of a sudden? While let Amex “burn” from offering so many credits? Heck, I am over $1k on that higher AF Amex Plat. Will this show up on the next Amex quarterly earnings and immediately start rolling back the credits? Or can Amex keep this train going…for how long? Can’t just burn Hyatt points for Cat 1 properties anymore not thinking about it…the Chase UR points train has left the station, so sad.
I’ll have been retired for 18 years come next April 1. It’s been great but though chasing points and miles has been fun, I am slowing down and refocusing on Citi, believe it or not, more instead of Amex. I am not traveling as much anymore anyhow. I’ll be 69 in March and aging and health have a lot to do with the slow down. But there is still much to do, just at a slower pace.
Thanks as always for the blog post! I’ll be dipping into it for a couple days. Stay warm!
Hi from Brooklyn, already had bagel #1.
Turning 59 in 6 months, starting to feel like I have a decade to…maybe visit every country in the world…or something like that.
Went from scoring a $3k bump voucher to $30 food voucher
Flew with wife on United to Newark from Detroit this morning. Flight was booked with money built up over time in United Travel Bank with Amex Platinum airline credits. At 6.00 am, I know, I know. Always a great idea when booked and wtf was I thinking when it is time to head to the airport. Flight appeared full so here I go next to the gate agent opening the flight and…there she goes with “We are looking for 2 volunteers, flight is severely oversold, $1.5k voucher per seat)”. Boom, got there before she even finished talking lol. Got new flights while protecting current flights and then, you know, stay aside to see if someone is a no show. Well, it was a no go at the end. Got deflated while dreaming about $3k in free United flights. I know, I know…it is not a done deal until every seat is filled. It is like buying/selling a house…it is not done until the closing is done. Gate agent gave us two $15 food vouchers we spent at Newark for a combination of coffees, pizza, muffin and mixed nuts. Flight on a 737 was great actually. Super nice flight attendants. Along with gate agents. And Newark looks very nice as well, it’s been a while since I came through here…I think. While boarding I checked out at the Flint Hyatt Place LOL
RIP to family member
Nick Reiners eyes in photos were very telling
Venture X Travel credit still gamable?
Best wishes for Christmas and the new year!
Thank you. Best wishes for Christmas and New Year to you too.
Yeah, that dude was not all right, so tragically sad. I will have a follow up on that with Friday post.
Not sure about CO VX card travel credit…But since we are on the topic, and still trying to get back into Amex fold, is the FHR credit gameable? As in, booked me a FHR 1 night stay at Shinola hotel in Detroit (a property I always wanted to check out), credit showed up the very next day as expected. And now…what can I do with it?
Wait till next year. Book a new stay costing at least $600 (to cover FHR credit from this biannual period, and the one for first half of next year). Once credit posts, cancel original booking. Keep both credits.
Not sure I am following:
12/18 Booked 1 night FHR for March 2026, got $300 credit (for second half of 2025).
“Wait till next year”….Wait until January 2026?
“And book a new stay costing at least $600 to cover FHR credit for this biannual period, and the one for first half of next year” …Wait, already claimed the 2025 second half FHR credit for 2025 so this can’t come with a $600 credit. What if I book early Jan 2026 a $300 FHR stay and will likely get the credit of course for the first half of 2026. And then what?
Anyway, at this point I really want to stay at the Shinola hotel in Detroit. And may add a 2nd night to the March stay using another $300 credit for the first half of 2026. Just wanted to get the “maximization” part down 🙂
Thanks.
So sorry for you loss kiddo my uncle just passed last week and I will miss the funeral due to travel. In other news, I met some nice greeks in japan and they said you have the most common first/last name!
Yep, my name is Brian Smith back there 🙂
Thank you. Missing funerals due to travel is one of those most undeseriable facts about travel sadly.
The first edition of the 2025 Annual Best Of Lists drops tomorrow Tuesday December 22, 2025.
Slept a total of 11 hours yesterday, which is a record in a very long time. I think jet lag is finally conquered. Amazing how refreshing the body can feel after catching up on sleep!
The way the Detroit Lions lost yesterday should be an NFL felony. So distraught…and inflicting this with mega asshole AaronRodgers is just too much to take. Going to be thinking about this all day today over NYC bagels and dim sum feasts.