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00:00:00 - Introduction and Greetings00:01:59 - Is Die hard a Christmas Movie?00:10:34 - Fine Dining: Overrated or Worth It?00:26:15 - PayPal and Points Strategies00:33:01 - Ideal YouTube Video Runtime00:51:25 - Chase Ultimate Rewards: Changes and Strategies01:15:12 - News01:19:03 - The Apple Card: Challenges and Changes01:52:44 - Planning and Timing for Holiday Shopping02:07:49 - Luxury vs. Marketing: Personal Preferences02:31:05 - 2026 Credit Card Strategies and Predictions02:44:38 - Final Thoughts and Membership Highlights
