Yep it includes closing costs on all 10 contracts. It does also include my very conservative number of $13,140 in savings on direct purchases due to credit card bonuses. I probably should have included that little disclaimer.
Edit to add conservative meaning if I redeemed asap for cash that is what the value is, when I redeem for the things like flights the value is actually much closer to 20k
Yep it includes closing costs on all 10 contracts. It does also include my very conservative number of $13,140 in savings on direct purchases due to credit card bonuses. I probably should have included that little disclaimer.
Edit to add conservative meaning if I redeemed asap for cash that is what the value is, when I redeem for the things like flights the value is actually much closer to 20k
Nice! That sounds about right with some good deals.
I figured ours without counting credit card rewards and ours are $135 average total including 300 direct RIV. Less if I figure in the credit card rewards.
And you have more DL points than I do, and they do tend to be a bit pricier.