Welcome Whitecoats!

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(Regular readers,  today’s post is a guest post which can be found here. )

Welcome readers of The White Coat Investor. I am so excited that you are here.

You are a fan of The White Coat Investor. And so am I.

I think you will find there are some similarities between these two sites.

  • The authors are both physicians.
  • There’s a  focus on personal finance, and tax efficient passive index fund investing.

But it is also true that you will find some differences.

  • About 40% of this site is dedicated to the miles game, (the pursuit of free travel by collecting loyalty currencies, in both traditional and nontraditional manners.)
  • The white coat investor has a more quantitative approach to analysis, and I am more qualitative. (translation: when I want to research the details of a specific concept, my research often begins with the whitecoat investor.)
  • This site is more sarcastic.

If the two sites were represented by this famous set of roommates , I think it’s safe to say that this site would be the guy on the right.


In any case, have a look around.

If you want to read more about the miles game, a good place to start would be here.

And If you want my take on early retirement, and financial planning, this is a good first stop.

And If you want to read a “debate” I am (virtually) having with Jim, about the merits of early retirement, The first five chapters of this 14 part epic have been penned, and the most recent can be found here (along with back links to the previous posts.)

I love comments so I look forward to hearing from you.

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6 Responses to “Welcome Whitecoats!”

  1. Ian Tseng May 7, 2014 at 3:40 am #

    I’m so glad I found your site. I’ve read a ridiculous number of your posts in the last two hours. I think I’ll take the plunge later this week and try to rack up a summer’s worth of hotel stays for the family. Thanks!

    • Miles Dividend M.D. May 7, 2014 at 5:15 pm #

      I’m also glad you found my site Ian.

      The miles game is very value-added, that’s for sure.

      Here was a review on applying for hotel cards if you haven’t Seen it.


      Some cards to consider on your Hotel churn would be

      1 The Starwood amex cards.

      Nice review here from Richmond savers:


      2. The city Hilton Hhonors

      3. The Chase Hyatt card

      4. The club Carlson card

      Here’s another nice review from Richmond savers.




      • Ian Tseng May 7, 2014 at 10:53 pm #

        Thanks! Seems like airline miles are overall worth more $$$. The cheapskate in me finds it hard to overlook that. Maybe I will fly first class to a bunch of places and go camping .

        • Miles Dividend M.D. May 7, 2014 at 11:57 pm #

          I tend to agree Ian. I value airline miles the highest. But there’s no reason to not get both airline and hotel points.

          Free luxury is a beautiful feeling.


  2. Ming May 8, 2014 at 7:03 am #

    Miles Dividend,

    Read your post on WCI and this is quite intriguing. I’ve heard of credit card churning before but never really thought this would be so lucrative! This has certainly raised my eyebrows. And getting rewarded for everyday expenses is certainly very enticing.

    I did have one concern. Reading through your site regarding “manufactured spending,” it seems almost too good to be true that one can use a credit card to buy “cash equivalents” such as the Vanilla Reload, and then load into a Bluebird account, then use the Bluebird to write a check to pay off the credit card…thus creating money spending that really didn’t occur at all (aside from the fee Bluebird charges).

    So this kind of circular money cycling seems almost like a landromat. Are there cases or reports of people’s accounts getting audited/looked at if the credit card company or Bluebird or Vanilla Reload thinks that this kind of spending is a bit abnormal? What is the legality in this kind of manufactured spending?

    I’m a PGY-1 resident and so monthly expenditures are not as high. But the idea of being able to take international vacations dirt cheap is just too enticing to pass up.

    Any advice on what would be the best cards to start out with?

  3. Miles Dividend M.D. May 10, 2014 at 11:16 pm #


    I think I addressed the legality question in the comments on the WCI site.

    In terms of which cards to apply for first, it depends on your travel goals,
    but off the top of my head, I would go

    Chase sapphire preferred and Chase Ink
    Citi AAdvantage visa (50K offer) and Citi Business (50K offer)
    and the 2 SPG Amex cards (personal and business)

    Flexible points are the best, because they are easy to use and protected from devaluation.


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