Catch The Fish That Ate My New Wedding Ring?

While on our honeymoon in Florida, we spent a week traveling from Orlando (Disney) down through the Keys on our way towards Key West. While the first part of our trip was spent wrapped up in fantasy, this portion of the trip was meant to experience and share outdoor activities and various other real world touristy activities.

Thankfully along the way, several locals gave us recommendations for things to stop and see. Located at mile marker 77.5 on the Bay side is a place called Robbie’s of Islamorada. After donating a couple of dollars, we were handed a bucket filled with fish to be used to feed all the tarpon at the end of the piers.

Tarpon Food

Tarpon Food

I am in no way a fisherman, and had no idea at the time what the difference was between a blue gill and a tarpon. So I was surprised to see hundreds of fish six-inches in diameter and 2-3 feet in length swimming around the end of some shallow piers. These tarpon were no slouches. They knew exactly what was about to happen. My only experience with anything such as this was throwing the ducks back home some broken pieces of stale bread. At most I got a disgruntled quack out of one of them because I tossed him a piece of rye instead of wheat. Who knew they knew the difference?

My new wife and I stood in amazement at what I am about to unfold. As you reach into the bucket to pull out a dead fish, it is almost as if the tarpon can feel the water move in excitement. Then as you dangle the fish over the water, they start to circle. These fish have been well trained by hundreds of tourists over the years. The tarpon, and other scavengers, start to congregate at the site of the fish above the water. I am not sure how they even notice such a small fish in a tourists hands. Then as soon as you toss it, and before it even hits the water surface, tons of fish dart towards the location to devour the treat. That in alone was spectacular!

Tarpon Congregating

Tarpon Congregating

So after going through a bucket or two of fish, I decided to start to get more daring, and impress that new wife of mine. After all, she was not ever to impressed with my feeding skills at our home aquarium. So this is where it took getting some nerve. These fish can weigh as much as 150 pounds. So one of the workers there demonstrated by taking a fish and holding it inches from the water. Instantly, giant tarpon leaped out of the water and took in the gentleman’s entire arm. It was crazy…and then the guy realized not only was the fish food gone, but so was his watch.

This where I had to rethink my adventure and attempts to impress the new wife. I not only had my brand new wedding ring on, but also a new watch that my wife purchased me as a wedding present. So I was not about to lose them in the belly of a tarpon, or she would have probably pushed me in to go and get it back which was a fight I did not want to attempt.

Feeding the Tarpon

Feeding the Tarpon

Besides my possible jewelry loss, I was also concerned that once these tarpon latched on, what if they just plane pulled me into the ocean? So what did I do?

I carefully leaned over the edge of the pier. I held the fish food in my right hand where I did not have any jewelry on. Last, I took a deep breathe and carefully lowered the fish to the water surface.

Look At That Tarpon Mouth

Look At That Tarpon Mouth

As those tarpon broke the surface and lept out of the water, I did what every man would do. Drop that fish into their mouth and pull my hand away as fast as I possible could. Even though the guy who lost his watch said the tarpon do not have teeth, the blood on his arm was enough to make me reconsider diving my arm into the tarpon’s stomach.

To see a video of the tarpon feeding action, you can check out the one on Robbie’s website. Just please believe me when I say the fish in the video are tame, because the ones we saw were way more actionable and would leap completely out of the water under the right conditions.

Now I had a week in the Keys to figure out another way to prove to that new wife of mine that she married the right guy.

2012 BOGO Ski Free Lift Tickets via Shell Gas Stations

I could have swore I remember writing about this deal last year, but I can not seem to locate it. I have to admit, the only thing I really enjoy about the snow is skiing, and even that I do not get to do as often as I would like despite even owning my own equipment. That is why I love watching for various promotions offering discounts on tickets, as they can get pricey. Unfortunately, Bug will be 3 years old after the ski season is over this year, so I will have to wait until next year to be able and take him. I am super excited to teach him how to ski, although I anticipate some apprehension at first.

For the past several years, Shell Gas Stations has teamed up to offer “free” tickets with the purchase of gasoline, and this years details have finally been released.

Official Ski Free Deals site.

Purchase 10 gallons of gasoline at select stations, and receive a voucher for a buy one, get one lift ticket at various resorts in California, Colorado, Michigan, and Oregon. Is it just me, or are you always surprised by the amount of ski resorts in Michigan? I always picture it rather flat by comparison to States bordering along the Appalachian and Rocky Mountains, but the economics and topography must be right to support such facilities.

There is a huge list of participating gas stations in the States of California, Colorado, Michigan, Ohio, Oregon, and Washington.

HOW TO SKI FREE®

  1. Purchase 10 gallons or more of Shell fuel.
  2. Read and accept SKI FREE® voucher terms and conditions by printing and signing your name.
  3. Shell station attendant will stamp voucher AND your gas receipt.
  4. Take stamped voucher AND stamped gas receipt to ski resort lift ticket window.
  5. Purchase one full-price adult lift ticket and receive a second for FREE.
  6. FREE lift ticket and purchased adult lift ticket must be used same day.
  7. Both guests must be present at ski resort lift ticket window at time of redemption.

Information on participating resorts is a lot more detailed this year than in the past. Participating resorts and associated information is shown below.

California

ALPINE MEADOWS SKI RESORT
valid: January – March: Monday – Friday; April: Sunday – Friday
blackout: January 16, February 20–24
Adult lift ticket: $84

CHINA PEAK
valid: Sunday – Friday
blackout: January 15, February 19
Adult lift ticket: $62

LEARN TO SKI & RIDE PACKAGES
offer: Buy one Adult Learn to Ski & Ride Package, and get one free.
valid: Sunday – Friday
blackout: January 15, February 19
details: Adults (8 +). Both lessons must be redeemed in person on same day. Purchased lesson and free lesson cannot be used by same person.

HOMEWOOD MOUNTAIN RESORT
valid: Sunday – Friday
blackout: January 15, February 19–20
Adult lift ticket: $49-54

LEARN TO SKI & RIDE PACKAGES
offer: Buy one Adult Learn to Ski & Ride Package, and get one free.
valid: Sunday – Friday
blackout: January 15, February 19
details: Adults (13 +). Both lessons must be redeemed in person on same day.

KIRKWOOD MOUNTAIN RESORT
valid: Sunday – Friday
blackout: January 15, February 19
Adult lift ticket: $79

LEARN TO SKI & RIDE PACKAGES
offer: Buy one Adult Learn to Ski & Ride Package, and get one free.
valid: Sunday – Friday
blackout: January 15, February 19
details: Adults (13 +). Both lessons must be redeemed in person on same day.

MT. SHASTA ski park
valid: Tuesday: Day, Thursday: 3pm–9pm
blackout: None
Adult lift ticket: $44

SQUAW VALLEY
valid: January – March: Monday – Friday; April: Sunday – Friday
blackout: January 16, February 20–24
Adult lift ticket: $84

Colorado

COPPER MOUNTAIN
valid: Sunday – Friday
blackout: March 17–25
Adult lift ticket: $99

CRESTED BUTTE
valid: 7 Days a Week
blackout: February 17–19, March 11–15
Adult lift ticket: $92

LOVELAND SKI AREA
valid: Sunday – Thursday
blackout: January 15–16, February 19–20, March 25–29
Adult lift ticket: $59

MONARCH MOUNTAIN
valid: 7 Days a Week
blackout: January 14–15, February 18–19, March 10–24
Adult lift ticket: $57

SUNLIGHT MOUNTAIN RESORT
valid: Monday – Thursday
blackout: January 16, February 20, March 12–24
Adult lift ticket: $55

WINTER PARK RESORT
valid: Monday – Friday
blackout: March 12–16, March 26–30
Adult lift ticket: $89

Michigan

Swiss Valley Ski Area
valid: 7 Days a Week
blackout: None
Adult lift ticket: $30

Timber Ridge
valid: Sunday – Friday, Saturday after 4pm
blackout: None
Adult lift ticket: $27

Alpine Valley Ski Area
valid: Sunday, after 6pm; Monday, 10am–5:30pm
blackout: January 15–16, February 19–20
Adult lift ticket: $32

Mt. Brighton Ski Area
valid: Monday – Tuesday, All Day; Wednesday – Friday, Day Only; Saturday, After 6pm; Sunday, After 5pm
blackout: January 15–16, February 19–20
Adult lift ticket: $31

Apple Mountain
valid: 7 Days a Week
blackout: None
Adult lift ticket: $35

Cannonsburg Ski Area
valid: 7 Days a Week
blackout: None
Adult lift ticket: $28-35

Snow Snake Mountain
valid: Mondays Only
blackout: None
Adult lift ticket: $30

Boyne Highlands
valid: Sunday – Friday
blackout: January 14–16, February 18–20
Adult lift ticket: $52-62

Boyne Mountain
valid: Sunday – Friday
blackout: January 14–16, February 18–20
Adult lift ticket: $52-62

Caberfae Peaks Ski Resort
valid: January–February: Sunday–Friday, All Day; Saturday, After 5pm; March: 7 Days a Week
blackout: February 19
Adult lift ticket: $24-42

Cross Country Ski Headquarters
valid: 7 Days a Week
blackout: January 14–16, February 18–20
Adult lift ticket: $??

Crystal Mountain
valid: Monday – Thursday
blackout: January 16, February 20
Adult lift ticket: $55

Hanson Hills
valid: Saturday – Sunday
blackout: None
Adult lift ticket: $15-25

The Homestead Resort
valid: Friday – Sunday
blackout: January 14–16, February 18–20
Adult lift ticket: $15-38

Mt. Holiday Ski Area
valid: Sunday – Friday
blackout: February 17–20
Adult lift ticket: $20-30

Nub’s Nob Ski Area
valid: Tuesdays Only
blackout: None
Adult lift ticket: $51

Shanty Creek Resort
valid: January–February: Fridays and Sundays; March: 7 Days a Week
blackout: February 17, February 19
Adult lift ticket: $15

Treetops Resort
valid: Thursday – Saturday, After 4pm; Sunday, All Day
blackout: None
Adult lift ticket: $??

Big Powderhorn Mountain
valid: Monday – Friday
blackout: January 14–16, February 18–20
Adult lift ticket: $49

Blackjack Ski Resort
valid: Sunday – Friday
blackout: None
Adult lift ticket: $44

Marquette Mountain Ski Area
valid: Monday – Friday, After 9:30am
blackout: None
Adult lift ticket: $30-40

Mount Bohemia Ski Resort
valid: Wednesdays Only
blackout: None
Adult lift ticket: $50-54 (they actually charge more by paying with cash versus credit/debit cards)

Mt. Zion Ski Hill
valid: 7 Days a Week
blackout: None
Adult lift ticket: $??

Norway Mountain
valid: 7 Days a Week
blackout: None
Adult lift ticket: $??

Pine Mountain Resort
valid: Monday – Friday
blackout: January 16, February 20
Adult lift ticket: $15-30

Oregon

Anthony Lakes Mountain Resort
valid: Fridays only
blackout: None
Adult lift ticket: $24-35

Hoodoo Ski Area
valid: Thursday 9am–4pm, Friday 4pm–9pm
blackout: None
Adult lift ticket: $20-45

Mt. Ashland
valid: Thursday and Friday, 3pm–9pm, through March 9, 2012
blackout: January 2-4
Adult lift ticket: $24

Mt. Hood Meadows Ski Resort
valid: Wednesday and Thursday, 3pm–9pm
blackout: None
Adult lift ticket: $30

Mt. Hood Ski Bowl
valid: Wednesday, 3pm–10pm; Friday, 9am–4pm
blackout: None
Adult lift ticket: $30-49

Timberline Lodge
valid: Tuesday, Wednesday, Thursday; through April 12, 2012
blackout: March 24–31
Adult lift ticket: $25-58

Willamette Pass Resort
valid: Friday, 12:30–9pm
blackout: April 6, April 13
Adult lift ticket: $49

New Discover More Card Offers 0% Balance Transfer with No Fee

Update 3/1/12- Offer no longer available.

I did not think we would be seeing new credit card offers with 0% interest AND no balance transfer fee as they disappeared long ago with the economy collapse. I was surprised earlier this week when, of all card companies, Discover Card notified me that new accounts for the Discover More Card can receive 12-months of 0% interest with no fee. Discover Card is typically very conservative with bonus offers, credit lines, etc., and no balance transfer fee is a bold step for Discover Card to use and lead the pack. For the past several years, I continue to receive daily offers from various card companies offering zero percent interest, but there is always a charge (typically 3-5% and often with no maximum).

So why is this offer different and worth while for someone that does not currently hold a Discover Card? There are two groups of people that this card could really help.

1) Those that carry a balance on another card, and pay monthly interest. This new card will allow one to avoid paying interest for 12 full months with only minimum payment requirements. Depending on your balance, this could save one a substantial amount of interest.

2) Anyone who does not carry a balance on a credit card, but could use the “free money” from a balance transfer to their advantage and leverage gains. For those that do not know how this works, here is a brief summary.

  • Lets assume one already has a credit card with another issuer with say a $10,000 credit line and a zero balance.
  • After opening the Discover More card, one transfers funds from the other card to the Discover More card, creating a negative balance on the other card (i.e. a credit).
  • One then requests a refund from the other card issuer for the credit.
  • The “free” money is then leveraged in a high interest checking or savings account to earn some discretionary income while making the minimum payments to the Discover Card over the 12 month repayment period.

Sounds simple, but there are a couple of things to note with this deal. You want to make sure you have at least the same amount, if not more of an available credit limit on the Discover Card. When applying for the Discover card with the goal of performing a balance transfer, the point is to try and get as high of a credit limit as possible. So make sure you factor into your application any income that you personally receive.

So let’s say we use the same example above with a $10,000 limit on another card. In order to minimize impacts to my credit score, I would not want to use more than 80% of my available credit on the new Discover More card, while maximizing the amount of free money on my non-Discover card. Therefore, I would want at least a $12,500 credit limit on the Discover Card. Then when I balance transfer $10,000 to Discover, I am only using 80% of my available credit. While the exact percentage varies depending on the credit agency, 80% maximum credit usage is a good limit to minimize impacts to credit.

Unfortunately, one does not earn rewards on Discover with a balance transfer. Your reward though is that hopefully you would turn around and place that free money into a decent earning checking or savings account. This in itself can be a tough task in this market, when it can be extremely tough to earn 1.5-2.5% interest, but at least it is something. It is not like years ago when one could do these zero percent offers over and over again with no fees and be earning 5+% on their money.

Placing the money into the market is not recommended with the balance transfer game. The idea is the money needs to remain safe and liquid.

Before applying for the Discover More card, note to be approved you must not currently be a Discover Card holder. Discover no longer allows new applicants to receive a new Discover card, even if they are a different product, if you already hold one of their cards. I was fortunate to get the Discover Miles card several years ago, when I already had a Discover More card. So the point is do not waste a credit inquiry if you already have a Discover Card.

Note that the banner of the left side of InACents for the Discover More card offers 18-months of zero percent interest, but DOES incur a transfer fee. Therefore, if you are looking for the zero percent and zero fee offer, be sure to use the appropriate link and read the Fee Schedule to ensure the application you are using does indeed show a fee of $0.