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Category: Tech How To

Best Ways to Use Your Expiring Citi ThankYou Points

If you’re like me and sometimes forget to take advantage of your perks from your rewards programs, here’s a crash course on the best deals when redeeming your Citi ThankYou points.

I received an email from my bank last week informing me that a portion of my accumulating points in my Citi ThankYou Rewards program were expiring in a few months.

Like many rewards programs from companies you do business with, you’ll eventually come up against a “use it or lose it” moment.

I must admit, I hadn’t been actively managing this perk and intentionally saving up to some magical point goal, which would buy me the product or experience of my dreams.
(Consumer note: That could take me another century or two.)

But…
I also don’t want to throw away my earned points either!

Three Tips Before Saying Thank You
If I might offer a piece of advice about how to handle this little game…

#1
Even if you have a few months to decide, don’t put off your decision.

Sure, I’ll probably get another reminder.
But it’s always better to move on this kind of decision quickly so you don’t forget until the last minute… or worse.

Here’s a second suggestion:

#2
All points are not created equal… so you’ve got to shop around when you’re redeeming them.

One more:

#3
Make sure you get a penny for each of your points… and not a penny less!

Uhhh…
I mean…

#3.1
Don’t accept a fraction of a penny less!

Hmmm…
Have I confused you yet?

Let me clarify with a few examples:

Gift Cards
There’s a boatload of gift card options offered by Citi.
And as long as you remember to eventually use your gift card, it’s a good way to redeem your points.

But…
Don’t get the lower-value gift cards!
They’re not as good a deal…

When you can find them, $100 gift cards offer the best value – a penny per point.
(More expensive gift cards are also fine, but their point value isn’t any better.)

Unfortunately, some brands only offer gift cards up to $50.
Here are few example:

  • Apple iTunes
    $25 Gift Card = 3,500 points
    $50 Gift Card = 6,000 points (better deal)
    No $100 option (Darn)
  • Bed Bath & Beyond
    $100 Gift Card = 10,000 points (Yay)
  • Best Buy
    $250 EGiftcard = 25,000 points (Same deal as the $100 EGiftcard)

Merchandise
You also have the option to shop for specific items on Citi’s ThankYou site.

But it’s hard to know if you’re getting good value…
Yes, Citi does offer the retail price alongside the number of points.
But the only way to be sure is to research the price from another source you trust.

For example:

There’s the class-leading Sony Cyber-shot DSC-RX100 V premium compact camera offered for 161,280 points.
At a penny a point, that would be $1,612.80.
Amazon has it for $998.

So, it’s a bad deal. Right?
But who says you’re getting a penny a point?

Here’s another way to look at it…
If we round up the B&H price to $1,000 to make the math easier, and you divide it by the points, that makes the camera’s per-point value at a little less than two thirds of a penny…

Same bad deal.

That’s an almost 40% drop in buying power.
Whoa…!
You’d think since you’re spending so much, they’d offer you a better bargain.

Nope.

How about picking up a new Sonos One speaker with Amazon Alexa built in?
It’s 32,250 points.
The going price on Amazon is $199.

Same crummy deal… a little more than 60% of a penny per point.

So, I think you should simply shop elsewhere to maximize your points…

Travel
For me, it’s hard to know the exact value of the travel packages offered.
Although, according to Upgraded Points, ThankYou does indeed offer worthwhile travel deals if you have enough points accumulated…

Armed with that knowledge, I wish you happy traveling…

Cash Reward or Statement Credit
$100 = 20,000 points
So, that’s only half a penny per point.
Pass!

Charity
If you want to donate your points to do some good in the world, there’s great news here.
You’ll find strong value for your points!
For example:

  • American Red Cross Disaster Relief
    All donations ranging from $25 to $100 is a penny a point.
    Nice.

$100 Gift Card Hits the Sweet Spot
As with most things in life, it pays to know the details.

For your Citi ThankYou points, make sure you’re getting a penny per point.
(And don’t let them evaporate!)

If you can’t figure out what to buy, I recommend simply going with the $100 gift card from the company of your choice.

That’s what I’m doing.
Click.

Thank you, Citi.

How to Get the Most out of Lifetouch after School Picture Day

If you’re trying to figure out which Lifetouch photo package is the best one for you to purchase, you’ve come to the right place. Sure, individual needs will vary, but I’ve got ten tips to share that should lead to satisfaction.

My 2nd grader had his class photo taken at school last week. This is my third round of experiencing “Picture Day” as a parent, and as excited as I am for my son to take his official school photo, I’ve realized that I’ve also become somewhat stressed out in the aftermath. Why?
Well, I can’t figure out the right photo package to buy.

How to Make Lifetouch Work for You
Lifetouch is the company that comes to his school and performs the herculean feat of snapping hundreds of portraits of the students. And though I’ve been satisfied with the quality of the photo prints that Lifetouch has sent home, I’m always left with the feeling of buyer’s remorse that I didn’t order the right combination of prints at the best pricing.

And it doesn’t help that each year, I forget about the details from my last experience.
Who really wants to spend the time figuring this kind of challenge out?

This year, I decided that’s going to be me.
So, I’ve rolled up my sleeves and studied all of the choices and pricing. If you’re about to buy some prints from Lifetouch, here are ten tips to help you get exactly what you want…

#1
Don’t Try to Figure Out the Order Sheet

The process begins when your kids show up with a Lifetouch order sheet that documents 13 photo packages to choose between.

The packages range in cost from $19 to $63. Some include the class photo with all of his classmates. Others include a portrait CD with a digital file of your child’s portrait. There’s also an 8×10 calendar as well as multiple print sizes in different combinations.

Confused yet?

Eventually, your eyes will notice some bold lettering on the top of the page…
mylifetouch.com

On the bottom, there’s this helpful message:
“Get more choices and best value when you shop online.”

Okay then.
They don’t really want you to use the order sheet either!

#2
Order Your Lifetouch Photos Online

The good news is your order selection process is easier online.
The bad news is the pricing appears to be exactly the same.

But the overall experience is better online, which is key to helping you make your decisions and getting satisfaction with your purchase.

#3
Don’t Order a Custom Package

If you don’t like being locked into the predetermined number of 8×10’s and 3×5’s in the 13 listed packages, you have the online choice of clicking on ‘Custom Packages.’

I originally thought this was a wonderful idea.
But…

Even though custom packages allow you to choose your own combination of print sizes, some of them are also pre-grouped… like four 3×5’s or two 5×7’s.

Also, don’t expect to really save money this way.
You could save a few bucks, but you lose on the overall value compared to comparably priced regular packages.

That’s because the custom-package pricing starts at $41 for three items.
If you’re getting a CD containing digital files (and you should), that only leaves you room for two varieties of photo prints.

Ultimately, if you choose the least expensive option, you’re only saving $8 compared to the Premium Package, which gives you a much bigger bang for your buck.

#4
Buy the Premium Package for $49

Speaking of the Premium Package, I’ve decided that after some intense focus on all of the choices, it’s became clear to me that the Premium Package is the way to go.
(And I bet it will handle the needs of many of you parents out there.)

For $49, you get-

  • Two 8x10s
  • Four 5x7s
  • Four 3x5s
  • Twelve 2x3s (in groupings of 8 and 4)
  • Portrait CD
  • 8×10 Calendar
  • Class Picture

#5
The CD is the Key to Getting the Most Value

Ultimately, all I really need are the hi-res digital files of my son’s portrait. I’d be just fine only buying the CD. With my trusty Epson printer, I could do the rest of the work.

That said, I understand that not everyone wants to do their own printing.
(And I can imagine the business model here is based on making a profit on the prints.)

Plus, there’s nothing wrong with having some prints delivered and ready to hand out.
(And printing your own photos costs money too.)

But the real problem if you don’t order prints is you don’t get the opportunity to select different ‘looks.’

#6
Choose as Many Looks as You Can… Because They All Go on the CD!

I case you aren’t aware, when your child’s photo is snapped, the actual background is a pop-up backdrop with a generic color that’s eventually digitally replaced with different ‘looks.’ There are a whole bunch to choose from, and it’s almost as confusing as selecting your package.
(More on the best looks later.)

And here’s a little-known detail regarding ‘looks’ that I uncovered in my research:
All of the looks that you choose for your prints also end up as digital files on the CD you order!

Sure, you’re supposed to choose only one portrait look for the CD, but, if you go with the Premium Package and select as many looks as the package allows… that will give you eight different looks on the CD.
(Cool!)

Remember, each look uses the same image of your child, except that some of the looks use the original wide shot while other looks crop the shot tighter. I recommend you include both versions in your selections.

#7
The 8 Best ‘Looks’ to Use as Backgrounds

So, this of course is entirely subjective, but these are the looks I like:

School Days
Granted, these are all digitally inserted backgrounds. But this is a school photo, right?
It’s nice to give it context as opposed to choosing some generic background.

  • Looks #49 (blackboard/map) and #63 (library) for vertical wide
  • Looks #65 (school hallway) for vertical tight

My Grade
Perhaps it’s a tab obvious to weave the grade information boldly onto the background. On the other hand, why not? If it’s his 2nd grade photo, that’s kind of the point here.

  • Look #96 (blackboard) for tighter shot
  • Look #113 (blackboard) for wider shot

Traditional
If you do need a generic background that’s not school related, I’d stick with an easy-going color.

  • Look #13 (blue background) and tight shot.

Modern
This is a brighter option for a simple color background.

  • Look #27 (light blue background) and tight shot

Most Versatile Option
If you want a generic background plus a nod to a school environment, I like:

  • Look #51 (grey background)
    It’s a wide shot using a few books as props.
    (If you would ever think of getting just one digital file, this would be a great choice, because you can easily crop it in different ways.)

#8
Forget the Extras

I wouldn’t spend the extra money to have the name and date included on the bottom of your pictures.
You can write all of that on the back.

And I don’t think you need to retouch photos of 2nd graders. Aren’t they perfect just the way they are?

#9
Never Order Add-On Prints

You can also order individual prints through yet a different menu, but this is the most expensive way to go.
(So, don’t do that!)

For example:

  • One 8×10 – $13
  • Two 5x7s- $13
  • Four 3x5s- $13
  • Class Picture- $13

Ridiculous.

#10
Best Digital-Only Choice

Okay, remember when I said all I needed are the digital files?
Well you could actually go this way:

  • Five-Image Digital Special Offer- $35

Thirty-five bucks gets you five high-res portraits.
(With five different backgrounds)

And then you do the printing.
…Not a terrible way to go

There’s No Perfect Choice
But I’m still recommending the Premium Package for $49. It really comes down to knowing how you’re going to use your photos.

Will you really give away all of those tiny wallet photos?
(A billion smartphones just shuddered at the very idea.)

But if you can use most of what’s in the Premium Package, it’s still a solid deal.

The Details of My Order
Okay…
If you’re interested in one person’s opinion on how to best navigate all of the Lifetouch choices, here’s what I bought:

Premium Package
Using 8 different Looks for each of the 8 choices-

  • CD High and Low Resolution
    Look #51 (grey background with books used as props/wide shot)
    Again, this background is the most versatile if you want to crop the shot yourself.
    And remember, you’re going to also get the other seven looks on the CD too!
  • Eight 2×3 Wallets
    Look #65 (school hallway/tight shot)
  • Four 2×3 Wallets
    Look #49 (classroom blackboard and map/wide shot)
  • One 8×10
    Look #113 (classroom blackboard with 2nd grade/wide shot)
  • One 8×10
    Look #13 (traditional blue background/tight shot)
  • Four 3x5s
    Look #96 (classroom blackboard with 2nd grade/tight shot)
  • Two 5x7s
    Look #63 (library background with chairs and bookshelves/wide shot)
  • Two 5x7s
    Look #27 (modern blue background/tight shot)
  • One 8×10 Calendar
    (Default calendar background, which you don’t get to choose. But it’s similar to Look #27.)
  • One Class Picture

I’m Exhausted
Holy cow.
I feel like I just explained how to assemble a Star Trek warp-drive engine.
(All right… maybe only a warp-5 engine.)

But I feel better.
I’ve got the best deal I could figure out.
And I’m not going to think about this ever again.
(Next year, I’m just going to refer to this post!)

You can also call Lifetouch customer service at 1-800-736-4753.
They were quite helpful answering my questions.
(Maybe, don’t mention my name.)

I hope this has been useful.
Good luck with your own orders!