Sunday, July 7, 2024

IHG and Marriott

Always a bit confused by so many hotel brands, so I spent some time learning these two hotel groups: IHG and Marriott. 

IHG Hotels & Resorts, or InterContinental Hotels Group, is a British hospitality company that operates more than 6,000 hotels and resorts in over 100 countries. IHG is known for its brands, which include InterContinental, Holiday Inn, Kimpton, Hualuxe, Avid, and Garner.

IHG offers a free IHG One Rewards program that allows members to earn points that can be redeemed for hotel nights, transferred to airlines, and more. Members can also earn elite status and receive benefits like room upgrades and late checkout. There are many opportunities to earn and redeem IHG One Rewards points at iconic hotel brands like Intercontinental, Kimpton, Holiday Inn, Crowne Plaza and more.

Marriott International is a multinational company that operates, franchises, and licenses lodging brands, including hotels, residential properties, and timeshares. Marriott has over 30 brands and 8,785 locations in 139 countries and territories, with 1,597,380 rooms across its network. Some of Marriott's brands include The Ritz-Carlton, W Hotels, JW Marriott, Sheraton, and Marriott Hotels Resorts & Suites.

Marriott also offers hotel reservations, timeshare vacations, flight and hotel packages, and car rental services. The company also operates loyalty programs, including Marriott Bonvoy, which allows members to earn and redeem points for benefits such as hotel stays, credit card spending, tours and activities, and more. Membership in Marriott Bonvoy is free to enroll in and maintain.

Tuesday, May 14, 2024

HSA Advantages

HSA: Health savings account, or Health investment account, or Health retirement account

  • Triple tax advantage (contribute, grow, withdraw all tax free)
  • Invest HSA money (for future growth)
  • Carry-over (HSA account belongs to you and no expiration like FSA)
  • Tax free withdraw for medical expenses
  • Penalty free 65+ use funds on anything (Use HSA for anything after 65 years old)
  • Use the receipt loophole (Don't use HSA for medical expenses when you are young, you can reimburse yourself for past medical expense after retirement)
  • You cannot contribute HSA when take medicare (Medicare at 65, no more HSA contribution)

17 books for financial learnings (4 stages)

the alchemist
think and grow rich
atomic habits
money master the game

the 4 hours workweek
influence the psychology of persuasion
confessions of an advertising man
the never split the difference
the lean startup
how to win friends and influence people
the 48 laws of power
the personal MBA

the intelligent investor
reality transurfing

the creature from Jekyll Island
the house of morgan