How to Maximize Credit Card Points for Travel (the missing link I took years to figure out!)

How to Maximize Credit Card Points for Travel (the missing link I took years to figure out!)

This episode is a departure from the medical topics in the other episodes. Today, we are discussing how to maximize credit card points! Starting with how to get the biggest sign-on bonus, the most points on purchases, and the most points on redemption – including the missing link of Transfer Partners. Please join me in learning something new and consider using my referral links below if you would like a valuable points credit card! Referral links: Promos as of 9/16/25 Capital One Venture credit card - You should check it out. If you apply using my referral link [https://i.capitalone.com/J5OK8PLIG] and are approved, I'll get a referral bonus! Current promo – 75,000 points and $300 hotel credit https://i.capitalone.com/J5OK8PLIG [https://i.capitalone.com/J5OK8PLIG] CHASE BANK: I didn’t mention this one in the episode, but this is the Chase Ink Business Card that has some great perks if you own a business. Earn 200,000 bonus points with the new Sapphire Reserve for Business® card, Ink Business Unlimited® card or Ink Business Cash® card. I can be rewarded if you apply here and are approved for the card.  https://www.referyourchasecard.com/21w/3XY305KX6Y [https://www.referyourchasecard.com/21w/3XY305KX6Y]   Earn 125,000 bonus points with Sapphire Reserve® or 75,000 bonus points with Sapphire Preferred®. I can be rewarded if you apply here and are approved for either card.  https://www.referyourchasecard.com/19u/WUFGTJQMVK [https://www.referyourchasecard.com/19u/WUFGTJQMVK]   Choose any United MileagePlus® credit card that is right for you – from 30,000-80,000 points depending on the card. I can be rewarded too if you apply here and are approved for the card.  https://www.referyourchasecard.com/215d/0EQ68C8XZC [https://www.referyourchasecard.com/215d/0EQ68C8XZC] Earn cash back with the Chase Freedom Unlimited or Chase Freedom Flex credit card. I can be rewarded if you apply here and are approved for the card. Learn more.  https://www.referyourchasecard.com/18A/PMFO8WY6YD [https://www.referyourchasecard.com/18A/PMFO8WY6YD]   References: https://thepointsguy.com [https://thepointsguy.com/] https://pointmetofirstclass.com [https://pointmetofirstclass.com/]

Are Smartphones hurting my Teenager? Yes, research shows how – get tips to help!

This episode is about the effects of screen time on kids from 13-25 years old. We discuss the actual changes in the brain and some ways to set healthy limits on a child’s screen time. I will go into uncommon depth on common topics to explain the ordinary in a new way! #dopamine, #socialmedia Resources: 1. Questionnaire for Problematic screen use: https://www.healthyscreens.com/scale  2. Links to PRIUSS 3 question and 18 question scales - https://www.aap.org/en/patient-care/media-and-children/center-of-excellence-on-social-media-and-youth-mental-health/qa-portal/qa-portal-library/qa-portal-library-questions/social-media-screening-questions-for-electronic-medical-record-systems/?srsltid=AfmBOoohUrsVi4ZBBvDlSRu6fNAQlZnh0hyw-4leivfVlGqUmy1o2VLU [https://www.aap.org/en/patient-care/media-and-children/center-of-excellence-on-social-media-and-youth-mental-health/qa-portal/qa-portal-library/qa-portal-library-questions/social-media-screening-questions-for-electronic-medical-record-systems/?srsltid=AfmBOoohUrsVi4ZBBvDlSRu6fNAQlZnh0hyw-4leivfVlGqUmy1o2VLU] 3. 1 in 4 kids stay inside: https://www.savethechildren.org.uk/news/media-centre/press-releases/2022/children-today-far-less-likely-to-play-outside-than-their-grandparents [https://www.savethechildren.org.uk/news/media-centre/press-releases/2022/children-today-far-less-likely-to-play-outside-than-their-grandparents] 4. Image of dopamine pathway in brain - https://somaticmovementcenter.com/dopamine/ [https://somaticmovementcenter.com/dopamine/] 5. What is Dopamine article - https://www.simplypsychology.org/the-role-of-dopamine-as-a-neurotransmitter-in-the-human-brain.html [https://www.simplypsychology.org/the-role-of-dopamine-as-a-neurotransmitter-in-the-human-brain.html] 6. Study on how rollout of facebook affected mental health of college students - https://pubs.aeaweb.org/doi/pdfplus/10.1257/aer.20211218 [https://pubs.aeaweb.org/doi/pdfplus/10.1257/aer.20211218] 7. Study linking MRI results to Dopamine pathways - https://pubmed.ncbi.nlm.nih.gov/35895476/ [https://pubmed.ncbi.nlm.nih.gov/35895476/] 8. Study on the effects of sleep on teens on academic testing https://pubmed.ncbi.nlm.nih.gov/39283917/ [https://pubmed.ncbi.nlm.nih.gov/39283917/] 9. Meta-analysis study showing negative effects of screen time of multiple behaviors - https://pubmed.ncbi.nlm.nih.gov/38030217/ [https://pubmed.ncbi.nlm.nih.gov/38030217/] 10. Study showing that decreasing screen time improves behavior and social interactions https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2821176?utm_source=openevidence&utm_medium=referral [https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2821176?utm_source=openevidence&utm_medium=referral] 11. Study showing that more media time increases family conflict: https://pubmed.ncbi.nlm.nih.gov/40742773/ [https://pubmed.ncbi.nlm.nih.gov/40742773/] 12. NPR article about effects of screen time and social media on the mental health crisis - https://www.npr.org/sections/health-shots/2023/04/25/1171773181/social-media-teens-mental-health#:~:text=Not%20surprisingly%2C%20all%20this%20screen,is%20a%20really%20serious%20problem.%22 [https://www.npr.org/sections/health-shots/2023/04/25/1171773181/social-media-teens-mental-health#:~:text=Not%20surprisingly%2C%20all%20this%20screen,is%20a%20really%20serious%20problem.%22] 13. Definition of addiction: https://www.asam.org/quality-care/definition-of-addiction [https://www.asam.org/quality-care/definition-of-addiction] 14. CDC study on screen time in teens by different demographics and rates of anxiety/depression - https://www.cdc.gov/nchs/products/databriefs/db513.htm [https://www.cdc.gov/nchs/products/databriefs/db513.htm] 15. Functional MRI study in 2021 on sleep - https://pubmed.ncbi.nlm.nih.gov/33615598/ [https://pubmed.ncbi.nlm.nih.gov/33615598/]

Are Screens hurting my Child? Brain changes start at 3 yrs old! Tips to help included

This episode is about the effects of screen time on kids from birth to 12 years old. We discuss the actual changes in the brain and some ways to set healthy limits on a child’s screen time. I will go into uncommon depth on common topics to explain the ordinary in a new way! #sarasultz, #pediatrics, #screentime, #educateme, #dopamine  References: Article from Harvard about effect of screen time on the brain https://hms.harvard.edu/news/screen-time-brain?utm_source=chatgpt.com [https://hms.harvard.edu/news/screen-time-brain?utm_source=chatgpt.com] Article about MRI scans that show effect of screen time on kids 3-5 years old:  https://scienceblog.cincinnatichildrens.org/screen-usage-linked-to-differences-in-brain-structure-in-young-children/?utm_source=chatgpt.com [https://scienceblog.cincinnatichildrens.org/screen-usage-linked-to-differences-in-brain-structure-in-young-children/?utm_source=chatgpt.com] At the end of this article, there are several more studies mentioned that link effects of books versus digital content and the effects seen on learning, focus, and creativity. The actual study discussed in this article: https://www.nature.com/articles/s41598-022-20922-0 Article about Cerebral Cortex – source of brain images https://my.clevelandclinic.org/health/articles/23073-cerebral-cortex [https://my.clevelandclinic.org/health/articles/23073-cerebral-cortex] Meta-analysis about effect of screen time in JAMA in 2022: Eirich R, McArthur BA, Anhorn C, McGuinness C, Christakis DA, Madigan S. Association of Screen Time With Internalizing and Externalizing Behavior Problems in Children 12 Years or Younger: A Systematic Review and Meta-analysis. JAMA Psychiatry. 2022;79(5):393–405. doi:10.1001/jamapsychiatry.2022.0155 https://jamanetwork.com/journals/jamapsychiatry/fullarticle/2790338?utm_source=openevidence&utm_medium=referral [https://jamanetwork.com/journals/jamapsychiatry/fullarticle/2790338?utm_source=openevidence&utm_medium=referral] Meta-analysis about effect of violent video games on behavior: Prescott AT, Sargent JD, Hull JG. Metaanalysis of the relationship between violent video game play and physical aggression over time. Proc Natl Acad Sci U S A. 2018 Oct 2;115(40):9882-9888. doi: 10.1073/pnas.1611617114. PMID: 30275306; PMCID: PMC6176643. https://pubmed.ncbi.nlm.nih.gov/30275306/ [https://pubmed.ncbi.nlm.nih.gov/30275306/] Handout on pros and cons of screen use from ABCD study: https://abcdstudy.org/wp-content/uploads/2023/02/Screen-Time-ENGLISH.pdf [https://abcdstudy.org/wp-content/uploads/2023/02/Screen-Time-ENGLISH.pdf] Create a personalized Family Media Plan: https://www.healthychildren.org/English/family-life/Media/Pages/How-to-Make-a-Family-Media-Use-Plan.aspx?_gl=1*1t2oja8*_ga*NzIzODg0NTk1LjE3NTQzMzc3OTI.*_ga_FD9D3XZVQQ*czE3NTQzMzc3OTEkbzEkZzEkdDE3NTQzNDA2NDAkajYwJGwwJGgw [https://www.healthychildren.org/English/family-life/Media/Pages/How-to-Make-a-Family-Media-Use-Plan.aspx?_gl=1*1t2oja8*_ga*NzIzODg0NTk1LjE3NTQzMzc3OTI.*_ga_FD9D3XZVQQ*czE3NTQzMzc3OTEkbzEkZzEkdDE3NTQzNDA2NDAkajYwJGwwJGgw]

Texas Law Bans Cell Phones in Schools

This episode is about the new Texas law that bans student cell phone use in all public and charter schools across the state. We discuss the pros and cons of this decision as well as some exceptions to the law. I will go into uncommon depth on common topics to explain the ordinary in a new way! #sarasultz, #pediatrics, #Housebill1481, #educateme Resources: -97% of kids use their phone at school - https://www.k12dive.com/news/teen-cell-phone-use-schools/694901/?utm_source=chatgpt.com [https://www.k12dive.com/news/teen-cell-phone-use-schools/694901/?utm_source=chatgpt.com] -Actual wording of House Bill 1481: https://capitol.texas.gov/tlodocs/89R/billtext/html/HB01481F.htm [https://capitol.texas.gov/tlodocs/89R/billtext/html/HB01481F.htm] -ABCD Study website – ABCDstudy.org -‘The Coddling of the American Mind’ book on Amazon - https://a.co/d/5Zzo6Ku -Article about pros and cons of phones in schools, especially during an emergency: https://www.edweek.org/technology/school-shootings-are-fueling-the-debate-over-cellphones-in-class/2022/06 [https://www.edweek.org/technology/school-shootings-are-fueling-the-debate-over-cellphones-in-class/2022/06] -Rutger study on effect of phones on grades: https://www.rutgers.edu/news/cellphone-distraction-classroom-can-lead-lower-grades-rutgers-study-finds [https://www.rutgers.edu/news/cellphone-distraction-classroom-can-lead-lower-grades-rutgers-study-finds] -Study in England about effect of removing phones on grades:https://www.sciencedirect.com/science/article/abs/pii/S0927537116300136 [https://www.sciencedirect.com/science/article/abs/pii/S0927537116300136]

Exit plan! Hearing, Car seats, and Hospital Discharge

This episode continues to follow a newborn in the hospital as she gets ready for discharge. We discuss the newborn hearing screen, car seat safety, and care of a newborn after discharge. I will go into uncommon depth on common topics to explain the ordinary in a new way! #drsultz, #newmom, #newborncare, #educateme Resources: Transcript from presentation by Christine Yoshinaga-Itano about development of successful newborn hearing screening program in Colorado and US. https://tlr-hub.asha.org/cred/universal-newborn-hearing-screening-the-evolution-of-a-public-health-revolution/ [https://tlr-hub.asha.org/cred/universal-newborn-hearing-screening-the-evolution-of-a-public-health-revolution/] Information about Texas law for newborn hearing screening. https://www.dshs.texas.gov/texas-early-hearing-detection-intervention-tehdi [https://www.dshs.texas.gov/texas-early-hearing-detection-intervention-tehdi] Explanation of current newborn hearing screening testing. Table 1 has top 10 risk factors for hearing loss. https://www.nature.com/articles/pr2016250 [https://www.nature.com/articles/pr2016250] The history of car seats: https://www.chiccousa.com/baby-talk/the-history-of-car-seats/?srsltid=AfmBOopQtROnrGUmeJymRar6Qib5BIjukEaCHepxundGL7k07Nd4UYWZ [https://www.chiccousa.com/baby-talk/the-history-of-car-seats/?srsltid=AfmBOopQtROnrGUmeJymRar6Qib5BIjukEaCHepxundGL7k07Nd4UYWZ] Texas law about child safety seats – Sec. 545.412 - https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.412 [https://statutes.capitol.texas.gov/Docs/TN/htm/TN.545.htm#545.412] NHTSA instructions on car seat safety and where to get your seat installation checked - https://www.nhtsa.gov/vehicle-safety/car-seats-and-booster-seats#installation-help-inspection [https://www.nhtsa.gov/vehicle-safety/car-seats-and-booster-seats#installation-help-inspection] https://www.chiccousa.com/baby-talk/newborn-car-seat-position/?srsltid=AfmBOoqKxNDG5kt3HLtAvLKTeDZfwKlMo9Qof_maPRBYOzxyhyH9wxPJ [https://www.chiccousa.com/baby-talk/newborn-car-seat-position/?srsltid=AfmBOoqKxNDG5kt3HLtAvLKTeDZfwKlMo9Qof_maPRBYOzxyhyH9wxPJ] AAFP article about newborn exam and criteria for discharge. https://www.aafp.org/pubs/afp/issues/2014/0901/p289.html [https://www.aafp.org/pubs/afp/issues/2014/0901/p289.html] Discharge instruction handout from UCLA. https://www.uclahealth.org/sites/default/files/documents/NewbornGeneralInstructions.pdf [https://www.uclahealth.org/sites/default/files/documents/NewbornGeneralInstructions.pdf] Rate of seizures in newborns https://www.ncbi.nlm.nih.gov/books/NBK2599/ [https://www.ncbi.nlm.nih.gov/books/NBK2599/]