Good Day All, Just found the site after recently hearing some stories on yahoo about "Flyer Guy" and "points guy" very intrigued!!! A few questions if I may. 1. What do you do with the service fees on all the cards after the first year? Cancel the cards or just pay them with the points? 2. The goal for me is next oct/Nov/Dec roughly I would love to get back to Hawaii for my/wife's 10 year anniversary, with our 2 (maybe more) kids. 3. I'm out of Grand Forks, ND so United is the preferred choice, I fly maybe once/twice a year, domestically. Delta could be an option but around here is far more expensive than United. 4. I understand how they have changed their program to more $$$ based than mileage based so do the mile runs still work? or will just getting the Credit card points suffice" Currently gaining "Status" doesn't concern me....yet, cost vs reward 5. I'm on the United Dining and what not but they have no restaurants in my area and 1 within 100 miles. just out of luck there? suggestions? 6. I've seen mention of a FTU, are there videos out there or maybe I just haven't looked hard enough on this site for more education (first day). 7. Getting cards shouldn't be a problem, it's the How many at a time (to make the spending requirement) I'm liking the SPG, chase sapphire as options, but again, what do you do the next year. I have 2 cards currently, US bank Flex Spending and a Bank of America. Already most of my stuff is on CC as I understand the rewards said but using them for the miles is new. 8. I guess how do all the "points" work, are they transferred to ie..United to use to flights or transferred to hotels...I'm confused on that "process" as frequent flyer programs don't work as well now? Sorry for the length but sometimes I need to see things a few times to let it sink in as it's all new, but I'm exited for this....again Ultimate goal currently is Hawaii next fall for my family. Thanks for much in advance!!!