Month: November 2025

We’re about to kick off the holiday season, and it’s got me feeling a bit reflective. I’m about to head off to a relaxing time in the Caribbean, powered by uncapped FNCs. Before I leave, I wanted to address the (rather consequential) MS news item du jour and share some things I’m grateful for this…

Companion song: Wait So Long – Trampled by Turtles this one is worth a listen if you haven’t heard it – about as cool as a song with banjos and fiddles gets Today concludes this goofy folk music-inspired series of timely MS advice. Part 1 and part 2 are here if you missed them. If…

Companion Song: Don’t Think Twice, It’s Alright – Bob Dylan Time for part 2 of churning and MS advice pulled from folk music. In part one, I posited that diversifying your lineup of plays and not overlooking opportunities with limited profit ceilings was both a good way to scale up, but also a way to…

Companion song: One Trick Ponies – Kurt Vile When I’m working at my 9-5 or couch MSing, I usually listen to high-tempo music like early phonk or the seminal metalcore album Jane Doe as the perfect background to focus.  As a result of losing plays over the last few weeks, I’ve spent way more time…

It was yet another tough week in churningland, punctuated by (fairly inconsequential in the grand scheme of things) fintech shutdowns and some ominous A/B testing. Instead of worrying about things we can’t control, let’s start the weekend early with another churning and MS mini crossword. I’m linking out again because embedding it directly starts the…

Throughout each year, there is a (somewhat) predictable flow of transfer bonuses from both banks and loyalty programs enticing you to move your flexible and somewhat liquid bank points to rigid and somewhat less liquid program-specific points.  The value proposition is often compelling – reducing an already appealing saver award rate by up to 30-40%…