Originally Posted by
Arjon
It's not necessarily the best idea to get fixed on staying above 95k. If you can redeem for things you actually want that are priced decently, it's actually not that hard to come out ahead by redeeming. For instance, let's say you have 125k. You can convert them into 223,684 PCO pts, or redeem 95k for $210, leaving yourself with 30k, which will convert into 40,909. Obviously, $210 plus $40.91 is more than $223.64.
That's basically my situation. If I redeem 95k, I'll have much less than 95k left. I probably won't redeem, but not because I'm determined to have at least 95k to convert. The thing is... SDM's product mix almost never has anything or any combination of things I want at price points where I'm willing to redeem 95k or even 50k to get them. If there happens to be something this weekend, I'll redeem in a flash. But based on months of not seeing any appealing possibilities, the odds that there will magically be something this weekend seem quite low.