YouSaid · the spoken record

Brian Kelly

lines on the record: 126
first: 2020-01-02
most recent: 2020-01-02
sittings or episodes: 1
sources: podcast

Every line below is reproduced as it was said and linked to the record it came from. Nothing here is summarised or generated. Directory · Search · Corrections

“You know, I Learn every day, you know, actually, when I launch it, there were other, and there still are other travel bloggers who are way smarter than me in terms of the points and miles. I think in general. Not about being the smartest. I still learn stuff every single day from our community in emails. We always peg ourselves, is this going to be, am I the best at this? I think in general with points, I mean, in anything you learn, it's going to constantly evolve and change. So I would just say this industry will keep changing. It's not over. And it's been changing for time as well. So instead of, you know, just be optimistic in general about everything and go with the flow.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“And then, in terms of, in general, I see college grads take the opportunities given to you at work. I've even, you know, most of my employees are millennials. Take the job that may not seem to you at the time to make a lot of sense. But when people give you an opportunity, jump on it. I think a millennial is always so worried about, I don't want to get stuck in doing this for the rest of my life. Take this project. You're not going to. If you're a good employee, if you bring a lot to the table, and if you're a team player, that's what's going to propel you more so than staying on this. Oh, I like this specific thing that I'm doing now and I want to make yourself uncomfortable. That's how you grow.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Biggest thing is, you know, first of all, treat your credit score like an asset. I was dumb in college. I didn't pay a vote. I didn't pay a Verizon bill. I moved out on my frat house. Three years later, I'm living in New York, and it's $2,000. They're docking my pay. It was like the biggest pain I've ever dealt with. So never stick your head in your sand with your finances. Even if you can't handle it, there's so many ways. And even if you just paid the minimum to, and then, you know, but never mess up your credit score. It takes years.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“It's crazy, and even business class. So I'm optimistic in general. Travel is connecting the world more than Treat Mother Earth a little bit better.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“But even Newark. Newark to Singapore's 18.5 now. So the fact that you can fly on safer than ever, it's still cheap. You can still go to Europe for under 500 bucks. We had Asia deals this past recently that were $300 to go to Asia round trip. That's just crazy, but you can't really complain about $300.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“But optimistically speaking, I mean, I think this is the golden age of travel in terms of these new planes that are more carbon efficient, safer. You can now travel. I just sent one of my employees on that Qantas flight from JFK to Sydney nonstop.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“I mean, I think there's a lot of ways to slice and dice it. I mean, for frequent flyers, your carbon footprint is much more than anyone in a car.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“All right Oh my gosh. So, yeah, so the climate change stuff. And, you know, frankly, the guilt from, you know, even though we carbon offset all of our employees travel, I'm in a business that's encouraging millions of people to travel more. So the, now I still believe travel's 10% of global GDP. It lifts people up. It changes people. But it is seeing what's happening on Earth is pretty pessimistic.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“I think we just start touched on the most pessimistic is the climate. I live in Miami too. I split my time there and just seeing that, you know, reading the article is that in 30 years, Miami could be underwater and now that they miss, they may stop the whole state may go under soon because let's be honest.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“I've actually one of my best sizes came I do Maldives, so I'm actually going there this holiday season. Turks and Caikos. I love Turks and Caikos. I had a disappointing dive in the Great Barrier Reef. It was bad conditions, but one of my big trips I want to take that I haven't really done is Palau, South Pacific, tiny little island. Well, you better hard.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“I'm drawing. But so, okay, maybe I won't time travel. But for fun, I do like exploring not other universes, but the underwater world. I'm a huge scuba diver. Oh, really? So”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“To an extent, I mean, you look at so many successful people in business. Now, many academics are very successful, but I don't know. Just throw yourself into something that you love. Like, that's going to get you further.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Like an I would actually say so in college in general, I failed. Like, I'm a smart guy, but I just, I mean, I think I do have a certain level of ADD. And going to lecture, I mean, I just, I couldn't care less. I mean, I failed astronomy. I went to University of Pittsburgh. And it wasn't, but what I learned was, I think. I think I learned, so I was student body president. I was the head of my fraternity recruitment. I was like, I really put all my energy into people. And what I really like doing. And I think I got rejected from MYU in high school, and it's always, it crushed me. And now it's kind of cool that, you know,”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“That bro culture. And so those two books I've read recently and I really like. And then in terms of inspiration, Lema Bowie, she's a 2011 Nobel Peace Prize winner from Liberia. She brought women together to help end the bloody civil war there. And she wrote this book, Mighty Be our Powers. And it's just a story. She was on the floor of a refugee camp, had no degree, had three kids in an alcoholic husband. And it was her whole story and rising up, being a community leader. And now she's on the floor of the UN opening up sessions. And she is this world leader. And it's like, it really gives you that inspiration that, you know, even on our worst days, we've got a pretty good.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“It is insane. It's a page turner and it's also a perfect model of how to not run a business. I mean, the stories, I mean, they're not the source too. I mean, this is not just like a gossip, even though they want you to think that. Like what was going on in the...”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So, I just finished Bob Eiger's book The Ride of My Life, which I found really fascinating. And also, you know, I've been running the Point Sky for going on 10 years now. And he had a similar thing where no one wanted him to keep running Disney because he was the old guy, you know, fresh new leadership. And of course, that always goes, you know, even though the Points Guy, frankly, has a big business, his only for the last several years. But I do worry about myself in staying in how do I be creative? How do we push and innovate? So I thought his book was really, really, I didn't know a lot of the behind the scenes stuff. I also read Travis, the book Super Pumped, which is the about Uber.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“I mean, Richard Branson, in terms of travel and entrepreneurship, he's just taught me a lot. And I got a chance to interview him on my podcast. And just having fun in business, I think that was something I've lost along the way sometimes. It's not always fun. You do as a CEO of a business, you can set the tone, you know, and you can help hire people and motivate people to have fun. And I do believe businesses are more successful when people are really invested. But in terms of traveling, I didn't grow. I didn't go to abroad until I was in college. Really? Well, besides the Cayman Islands. So I've learned to be a traveler on my own in a certain way, but that's been kind of fun.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“I did. And he's been at speaking gigs with me now, and he laughs at me because I make it seem like he was, he was computer illiterate. That's why he paid me to do. He's like, you make me sound so stupid, not knowing how to use a computer. I'm like, well, you kind of were, Dad.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Yeah, my dad, I call him the original point sky. He's actually named Brian Kelly. He's the third boy of three boys and a girl. And I always admired him. He was a business traveler and healthcare. And he taught me. And that was in the 90s he had points and he said, Brian, if you can, I was 12 years old. He said, if you can figure out how to use these, we'll go on vacation. You know, family of six. We didn't have a ton of money to just blow on fancy vacations. And that was when I figured out how to go to the Cayman Islands. And so, and he also started, he gave me my first job. I started booking travel for him because my dad for sure is one of my earliest mentors.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So interesting, I don't think many people know that, but I'm actually a development chief in a tribe in Ghana about an hour and a half outside of Accra. My name is Nene Kwesi Matechu I, and about four years ago through the charity work I do there, the guy who's my partner in crime there, we've kind of elevated him as our head of peace movement in Africa as a way of saying thank you to everything I've done for him. He made me. bequeathed his title to me as a way of saying thank you for helping elevate his life with all these Nobel Peace Prizes. He grew up in poverty and now he's on the global stage with these Nobel laureates. So he made me a development chief and I go back at least once or twice a year and it's really amazing. I've got all my robes and it's a very unique. I took my parents there and they were just like, you know, they're.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Marin's WDF That's fantastic. It really does help pass the time. I live a block away from work, so I don't. Luckily, I walked to work. So, yeah, it's on planes when I do listen to podcasting.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Podcasts, you know, my friend Heather McMahon, she's this really hysterical comedian. Heather McMahon. Heather McMahon. Her podcast is called Absolutely Not. And she just rails on everything and travel and life. So I like a feel-good laughing podcast. And also, you know, I have to plug my podcast talking points. Not that I listen to my own podcast because I get to experience it, but.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“All of a sudden you just gave them a deadline. What got your attention these days? I am into the morning show on Apple Plus. Oh, the new show. Jennifer Annison. I really, you know, going on morning shows quite a bit. It's actually, you know, I always see, you know, I'm only there for my segment and leave, but you can always sense that there's like these power struggles on set. And so it's a fascinating watch. And it's also a microcosm of like what's going on in our world today. So I think they've done a good job with that.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“It's coming out in, I would say, March of 2020. We're in testing right now. We're breaking it. It's going to be worth the wait, though. March 202”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“You're spending a lot of money. Fliff rides 15 bucks. That's a big chunk. So this new world MasterCard gives you $5 off every $25 ride. So, it's really confusing to keep track of.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“There's master cards now that will give you five dollars off every lift ride, which most people don't even realize. That's a big, that.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“But that's the technology that we're building. And then we'll also, you know, a lot of credit cards these days will give you bonuses, especially the airline cards, if you're chasing elite status, you spend $40,000 on an American Airlines card, you'll get a bump, you know, an elite mile. So our app is going to track all of that. And so make sure that not only the points, but that you're getting the maximum perks as well.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So let me figure out which as far as pay with this feature. So we'll tell you where you are. You can say I'm at Starbucks. We can actually say this quarter, put your Starbucks, not on the Sapphire, but on your... Freedom card because Starbucks is the quarterly category. It's really, it changes.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So, like a city double cash card, no annual fee, 2% back when you paid off each month. So if you spend $100,000 on that, you're going to get $2,000 to buy whatever you want.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So, Chase gives you two main options when it comes time to book travel. You can transfer United or Southwest or Hyatt, several other partners, or you can just use those points to buy tickets. With the Sapphire Reserve, what they'll say is you get 1.5 cents a point. So 100,000 points is $1,500 in travel. $100,000 when used for gift cards is usually $1,000 or less. So that's why I say where I cringe use your chase points for travel. And then if you truly want Amazon or merchandise, there are better cards that will give you more bang for your buck. Right.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“But chase points are super valuable when you transfer to United or Hyatt or if you redeem for travel because you're getting 1.5 cents a point when you need.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Exactly for what they want. Today it's one size fits all. It can be very confusing to go to the points guy and be like, okay, I just want to go here and these tools that we're building are going to save people time and tons of money. So I'm really excited about that.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“That's got to be better than it. Exactly. And the thing we've doubled down on, too, is community. So we've got this huge Facebook, you know, so Facebook stopped showing publishers in the news feed. Oh crap, what do you do? So what we've been doing for years, we have a community. People come to our vents. So on Facebook, we've got a TPG lounge that has, I think, over 80,000 members. We just launched a small business community, a family community. We just launched our women's community. So now, I mean, and that's what Facebook's all about. So you just as a publisher, you've got to just keep evolving with the time. And that's, I think my job as CEO now. It's, I don't write posts as much anymore, although I am very, very much involved in our total editorial process and pushing the team to be better and how we review flights and, you know, creating higher quality content. But now it's shifting the landscape. And I do, I mean, our app is going to be the next generation of our company and how we'll be able to target content to people.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Totally. I mean, California is arguably more strict than GDPR. So it's a challenging landscape, but I think what we focused on is just continuing to build out content for people that they love. Ad blockers don't work when the advertisement is the content that people want to read.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“That space is really challenging, even how you target consumers. And look, I believe we should have more privacy on the internet.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Well, funny enough, you know, when I started, I thought, oh my God, this affiliate thing seemed shady. And it's funny now all the major publications are going affiliate. New York Times has wire cutter. So affiliate is where it's at because if you truly have good content that helps your reader get a product they want, it's the perfect balance. So our revenue has been wildly growing over the last several years. We also want to diversify. So we've never sold CPMs, really. We do some small packages, but in general, I mean, the bulk of our sales are affiliate and the credit card markets are strong. My biggest concern isn't as much Google and, you know, the privacy is a bigger concern, especially as we create this app where people are going to share where they want to go and the airlines they want to fly and sharing, you know, so that to me, you know, we're getting ready for the California privacy laws are about to go into effect in January, which changes the game.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So we use frequent flyer miles. We donate our money. And so we now Rainbow Railroad gets people asylum in countries like Canada and Argentina. So it's been really, I've gotten a chance to meet last summer in Toronto. There were about 30 people from Chechnya that we actually helped through our campaign. Our readers donated millions of miles. And they look me in the eyes and they're like, the minute that that plane took off from Moscow, and I knew that I was on my way to freedom, they just started bawling. And so it's kind of cool. So my whole thing on giving back is like the power of travel. Can change lives. And I know I've changed as a person. I believe the more people travel in general barriers break down. So it's really cool to be able to help others.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“What happens everywhere? Luckily in the US, I think we've definitely made steps since the Matthew Shepherd days in the 90s. But in a lot of countries, Egypt even, you get kicked out. Middle East.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“In the Caribbean. I just went there 60 minutes this year, and we did a whole expose on if you're gay in Jamaica, there's a huge chance you'll get tossed in the street. Really? Trans people are killed almost weekly there. What's that happen?”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Luckily, I Googled and Rick Elias, who's our CEO, he's a staunch, he's born in Puerto Rico. We do all this crazy social giving back and everything's fine. But there are a lot of friends I know businesses that clash personally with, you know, you're not a part of that inner click of boys or whatever. So anyway, so I've been very fortunate. And I remember reading the New York Times two years ago, and it was about gay concentration camps in Chechnya. And I remember reading going, this is crazy in 2017 or 18, there cannot be concentration. And in Chechnya, the leader was rounding up gay people and they were taking their phones. And it was this, they were actually in camps. Many people have been killed. So the rainbow railroad, we started donating our miles. So we actually booked flights for people who are in places like Chechnya. Jamaica is actually one of the worst places in the world for LGBT people.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“New York. Well, you'd be bubble. Well, Red Venture is my parent company. All I heard was they're taking Red Ventures is buying Bank Rate and they're Charlotte based. And in North Carolina, there were some pretty nasty, you know, the...”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Yeah, so I mean, look, I'm so lucky. My parents love me. I've got a great partner. I'm out in business. Even, you know, it's nervous wracking when your business gets taken over. Are the new owners of the company going to be allowing me to be even today? I mean, listen.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Really? So we've been able to bring these Nobel Peace Prize winners. We've got 600 kids in Ghana, high school kids. They study about the laureate all year long and then we bring the laureate. Like the Nobel Peace Prize winner, they spend all weekend. We have this unbelievable, you know, they learn how to fix the problems in their community, start small, small actions then lead to bigger change. I mean, by the end of a week, I get chills even thinking about it, spending time with, you know, these Nobel Peace Prize winners who have helped end civil wars, who are, you know, we work with Jody Williams who helped end landmines. And should we bring her to kids around the world? And it really empowers them to make their communities better. So that's been a, I get to travel around the world with these amazing Nobel Peace Prize winners and bringing that message to kids.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So we do. So it started out. We were giving points to the Nobel laureates because even the fly, Ghana is our biggest chapter now, to fly a Nobel laureate and their assistant. It's expensive.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So Peace Jam is 15 of the world's best Nobel Peace Prize winners. So the Dalai Lama, Desmond Tutu, Lema Bowie. So they're the board members. And it's their organization to take their learnings and their life story to kids around the world. So, PeaceJam itself is a bunch of different countries at the Point Sky, we sponsor it in Guatemala, Ghana, Liberia, South Africa, and East Timor.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“No, I wanted to get involved with an organization that was going to use travel to help change the world, so to speak, even though that's a pretty wide thing. And a friend of mine said, I love kids. I was almost a teacher for America teacher out of college. And I think even being the points guy, I teach. Education is key. Or I get great joy from like watching people learn and, you know”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So Peace Gem's awesome. When the business really took off, I really wanted to, you know, there were tons of charities reaching out for write checks, right checks.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“What really is going on I've had pilots like that too. I love that pre-flight brief thing. Some of them real, I mean, I think most pilots enjoy their job. I know they're all overworked and whatever. But yeah, I love when a pilot.”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“Well, because a lot of celebrities now, most celebrities are now flying commercial because of the environment and you can't be a crusader for”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source
“So then I'm trying to stay awake. We're delayed on the tarmac. She's doing all these antics. I'm like, why did I take this pill? And then I woke up the next morning like, did that happen? Why isn't she frying?”
2020-01-02 · Masters in Business · ‘The Points Guy’ Brian Kelly on Maximizing Travel Rewards · IDENTIFIED FROM THE TRANSCRIPT · source