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American Express Gold vs Chase Sapphire Reserve: Best dining rewards

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Chase offers a few different ways to use Ultimate Rewards points.

You can use them to make purchases at a handful of retailers like Amazon or Apple, or for gift cards, but since you usually get less than 1¢ per point of value, this isn’t advisable.

If you’re set on using them for purchases, a better option is to just redeem them for cash back. Each point is worth 1¢, so 1,000 points = $10.

A better option: Book travel through Chase using your points. Normally, each point is worth 1¢ towards travel booked through Chase, but Sapphire Reserve cardholders get a 50% bonus — that makes them worth 1.5¢ each. Redeeming them this way, the 50,000-point sign-up bonus is worth $750.

However, the best option — potentially — is to transfer them to airline frequent flyer partners and book flights that way. You might be able to get a dramatically higher value for points this way.

That’s because booking frequent flyer “award tickets” is different than buying reservations outright — you can read more about how it works here. In most cases, the cash price and the miles price of a ticket aren’t linked, so it’s possible to get exponentially increased value from your points by transferring them and booking an award ticket instead.

That means potentially being able to fly long-haul in first or business class with points, among other things.

For example, my wife and I recently flew first class to Japan and back by transferring credit card points to Virgin Atlantic, then booking flights on Virgin’s partner airline All Nippon Airways. You can read about exactly how we booked the flights here.

The only catch is that you may need to search for saver availability — which are lower-priced award tickets. This can be tricky, but there are a ton of helpful guides online. Once you have a flight in mind, if you’re having trouble figuring out how best to use your points, just do a Google search for that specific trip.

Chase partners with a few airlines (and hotels), including: Aer Lingus, Air France/KLM, British Airways, Iberia, JetBlue, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, Hyatt, Marriott, and IHG. By taking advantage of airline partnerships, you can usually find a way to book any flight at the saver level, even if that airline isn’t listed.

Amex similarly offers a few ways to use Membership Rewards points.

Redeeming for anything aside from travel offers a poor value, usually 0.5-0.8¢ each, and is generally a poor use of points.

Like with Chase, you can get a better value by booking travel through AmEx Travel, either online or by phone. However, unlike with the Sapphire Reserve, there’s no bonus. Points are only worth 1¢ each towards flights, or 0.7¢ each towards anything else.

Another option is to use points to bid for upgrades on a flight. You’ll only get 1¢ per point, but it can be a decent redemption if you want to try for an upgrade but don’t want to pay cash.

The best use — like with Chase, again — is to transfer them to frequent flyer partners. AmEx has a different list of partners, although thanks to some overlapping partners you can pool points from each issuer’s cards into those airlines’ accounts.

AmEx’s partners include: Aer Lingus, AeroMexico, Air Canada, Air France/KLM, Alitalia, ANA, Cathay Pacific, Avianca, British Airways, Delta, El Al, Emirates, Etihad, Iberia, Hawaiian Airlines, JetBlue, Singapore Airlines, and Virgin Atlantic, as well as Choice Hotels, Hilton, and Marriott.

Click here to learn more about the Chase Sapphire Reserve from Business Insider’s partner: The Points Guy.

Click here to learn more about the American Express Gold Card from Business Insider’s partner: The Points Guy.



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How China spooks Uighurs without them even entering the country

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  • China is waging a widespread, coordinated mass crackdown on its Uighur Muslim minority.
  • Though the brutal campaign is most active in the western Chinese region of Xinjiang, the Uighurs’ homeland, many Uighurs abroad say they have also been targeted by Chinese agents.
  • Members of the Uighur diaspora described receiving mysterious automated calls, eerie Facebook comments, and being threatened by Mandarin Chinese speakers in real life.
  • Uighurs abroad have also discovered their relatives in Xinjiang vanished by Chinese authorities days after they spoke out for the Uighurs.
  • Visit Business Insider’s homepage for more stories.

China’s unprecedented oppression of Uighur Muslims goes beyond the borders of Xinjiang, the western Chinese region where most of the ethnic minority live, former residents told Business Insider.

Under President Xi Jinping, China is waging a widespread counterterrorism campaign on Xinjiang, also known to Uighurs as East Turkestan. It is a paranoid move in response to a spate of ethnic riots between Uighurs and Han Chinese, the dominant ethnic group in the country, ten years ago.

The Communist Party sees Uighurs’ religion — Islam — as a threat, and often conflates it with religious extremism.

For this reason, China apparently feels the need to control the Uighur diaspora outside the country in case they return home and carry out attacks.

Xinjiang police streets

Police patrol on a scooter as an ethnic Uighur boy stands in his doorway in the old town of Kashgar, Xinjiang, in June 2017.
Kevin Frayer/Getty Images


Leaked classified documents, published by the International Consortium of Investigative Journalists last month, showed a concerted effort by regional officials to keep a close eye on Uighurs with foreign citizenship, wherever they are.

“For those still outside the country for whom suspected terrorism cannot be ruled out, the border control reading will be carried out by hand to ensure that they are arrested the moment they cross the border,” one government bulletin said.

“For those … whom suspected terrorism cannot be ruled out, they should first be placed into concentrated education and training for examination,” it added, referring to tightly-secured detention camps in the region, where former inmates say they are physically and psychologically tortured.

A sample of classified Chinese government documents leaked to a consortium of news organizations, is displayed for a picture in New York, Friday, Nov. 22, 2019. Beijing has detained more than a million Uighurs, ethnic Kazakhs and other Muslim minorities for what it calls voluntary job training. The confidential documents lay out the Chinese government's deliberate strategy to lock up ethnic minorities to rewire their thoughts and even the language they speak. (AP Photo/Richard Drew)

Copies of Chinese government documents that were leaked to a the International Consortium of Investigative Journalists displayed in November 2019.
Associated Press


‘Family and friends suffer the consequences’

Several members of the Uighur diaspora told Business Insider they’ve also been spooked by China without even having to step foot in the country.

Rushan Abbas, a Uighur activist living in Herndon, Virginia, discovered last September that her sister had been disappeared by Xinjiang authorities six days after she spoke out against China’s human rights record. She still has no idea of her whereabouts.

“The Chinese government is basically holding her hostage for my speaking out about the horrific blatant human rights abuses of the Chinese government,” Abbas told Business Insider last month.

“My sister’s story is not unique. China harasses Uighurs in the diaspora’s relatives back home, presenting them with heartbreaking choice: Keep silent about the horrific violations of human rights, or let your family and friends suffer the consequences for your choice for speaking out,” she said.

“I am an example of that.”

bahram sintash father qurban mamut xinjiang uighur

Bahram Sintash (right) and his father, Qurban Mamut, during Mamut’s February 2017 visit to Washington, DC.
Courtesy of Bahram Sintash


An entire business gone

Abbas is not the only foreign Uighur who has been punished in Xinjiang for their actions outside the region.

Bahram Sintash, a Uighur-American living in Chantilly, Virginia, has been campaigning for his father’s release from the Xinjiang camps since October 2018. He has called on the Chinese government to reveal the whereabouts of his father, a retired magazine editor, through social media, protests, and speaking to journalists.

Sintash has been living in the US since 2008, but continued to visit his family in Xinjiang until 2015, when his Chinese visa was inexplicably revoked. That same year, he had opened a company in Urumqi, Xinjiang’s capital city, to provide fitness supplements and workout plans to Uighurs in the region.

Sintash requested anonymity for his company to protect its former employees. But he said the business flourished, and had earned close to a million dollars.

That success came to an end in October 2018 — exactly two days after Sintash spoke to Radio Free Asia about his father’s disappearance for the first time.

bahram sintash father qurban mamut

Sintash’s father Qurban Mamut in Washington, DC, during a February 2017 visit.
Courtesy of Bahram Sintash


Multiple police officers went to the company’s office in Urumqi, took photos of every corner of the office, and told employees to leave as soon as possible, Sintash told Business Insider.

Shortly after the raid, police officers further questioned his colleagues, shut down his office, storage warehouse, and corporate social media accounts, he said.

“The police warned my partners to stop communicating with me and told them I was the enemy of the country living overseas,” Sintash said.

“I couldn’t get my money back from the region,” he added. “I can no longer contact any business partners or my teammates or my customers.”

xi jinping

Chinese President Xi Jinping at the Great Hall of the People, Beijing, in November 2018.
Thomas Peter/Getty


Sintash said he learned the news of his company’s collapse not from any official correspondence from Xinjiang authorities, but from one of his customers.

There’s no other way to verify it: His mother blocked him on WeChat last year for fear of getting in trouble with authorities, and all his phone calls to regional authorities about his father have gone unanswered.

Mysterious automated calls and Facebook messages

As some Uighurs lose touch with their family on the phone, others have received menacing messages from Chinese-speaking agents.

china uighur protest

A protester wears a mask painted with Xinjiang or East Turkestan’s flag and tears of blood in Brussels in April 2018.
Emmanuel Dunand/AFP/Getty


Guly Mahsut, a Uighur Canadian living in Ottawa, reported receiving multiple automated calls from Mandarin Chinese-speaking agents in recent weeks.

A female caller had identified herself as the Chinese embassy and told her to pick up some documents. Mahsut told Business Insider that even as she kept blocking the numbers calling her, she kept receiving the same automated calls from other numbers.

It’s not clear how the caller got Mahsut’s phone number, what documents she is referring to, and why Mahsut was receiving these calls. Earlier this year she publicly questioned China’s claim that it had released most inmates from Xinjiang’s detention centers, telling Agence France-Presse she knew of a cousin and two friends still in the camps.

Listen to one of the recordings Mahsut received below, accompanied with a rough translation of the message verified by Business Insider:

The Chinese Embassy in Ottawa told Business Insider this call was a “telecommunications fraud,” calling the caller “law breakers [who] use technical means to disguise phone numbers as embassies and consulates.” It added that the alleged scam is “not targeted at a specific group of people.”

Some 30 members of the Uighur diaspora in Norway have received dozens of automated calls from phone numbers connected to the Chinese embassy in Oslo, Al Jazeera reported last month.

One of the Uighurs, a naturalized Norwegian citizen, said she started receiving the calls after attending an anti-China rally on October 1.

The Chinese embassy in Oslo denied the calls in a similar manner to the London embassy, saying they were part of a scam.

Uighurs living in the US and France also told The Daily Beast and Foreign Policy last year that they had been asked for personal information including license plate numbers, bank details, ID photos, and marriage certificates — and threatened harm to their families in Xinjiang if they did not comply.

xinjiang uighur pray

Uighur men pray before a meal during the Corban Festival, also known as Eid al-Adha, in Turpan, Xinjiang, in September 2016.
Kevin Frayer/Getty


Sintash, the fitness company owner, has also received messages in Chinese threatening to harm his family.

bahram sintash facebook comment blurred

A Facebook comment that Bahram Sintash received from a Chinese-speaking account in January 2019.
Facebook


In January 2019, he received a comment in simplified Chinese on Facebook, in response to a comment he had left in the Uighur language on another person’s page.

“You are a good son of the Chinese Communist Party. Your father has been released now,” the comment read, without providing any evidence.

“I reckon you can keep selling your white powder [crying-eyes emoji],” the comment continued, in what Sintash took to mean his fitness supplements. “Strongly support you.”

The account was registered under a Chinese name, and its profile photo was of a young Chinese woman.

The entire account has since been deleted. Business Insider last saw the post in February, and has preserved screenshots of the comment.

“What I understood [from the comment] was: ‘Keep obeying the Chinese Communist Party and shut your mouth. Your father is in our hands,'” Sintash told Business Insider.

“I felt threatened by the CCP.”

Trolling people is not a new Chinese tactic. The country’s propaganda department pays some two million people to publish pro-government posts and attack critics on social media, a Harvard University report found in 2016.

These commenters are known as the “wumao dang,” which translates to “50 cent party” in Chinese — a reference to the amount of money in yuan they are allegedly paid per post. That’s about $0.07.

‘Your mother has died’

Another bizarre run-in with Chinese speakers took place in late October, when Sintash and other Uighur activists staged a protest outside the Capital One Arena in downtown Washington, DC.

As Sintash and 13 others held up signs and chanted slogans, a Han Chinese man — the largest ethnic group — went up to them and said: “Your mother has died” five times.

Video shows the group looking at the man, puzzled, as he walked away.

“He was a pro-CCP Chinese citizen who could’ve said anything to define [himself] … but he chose to tell us ‘your mother has died,'” Sintash said.

“I was shocked at the time. I never expected someone to deliver such an evil message while in the United States.”

Those words were particularly jarring to Sintash, who hadn’t spoken to his mother or anyone else in his family since February 2018. To this day, he still has no idea who that man was.

China phone

A man on his phone in Tiananmen Square, Beijing.
Feng Li/Getty


Will these threats stop Uighurs from speaking out for their families trapped in China? Probably not.

“They cannot control us,” Sintash said. “China looks for people who are weaker mentally. I am different … I have the US behind me.”

“I never cared about politics in the past,” he added. “What China is doing to the people in the region — we have to speak up. We have to stand up.”



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Report: Pensacola naval base shooter used loophole to buy gun

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  • The Saudi national who fatally shot three people at a Florida naval base on Friday bought his gun legally even though people designated as “nonimmigrant aliens” are not typically allowed to do so, NBC News reported.
  • But the Bureau of Alcohol, Tobacco, Firearms and Explosives says there are exceptions for those with a valid hunting license or permit, and those from “a friendly foreign government entering the United States on official law enforcement business.”
  • NBC News cited sources that said the shooter had a license and bought his weapon from a dealer in Pensacola.
  • The gunman, whom news outlets have identified as Mohammed Said Alshamrani, was a second lieutenant in the Saudi Air Force who was in the US as an aviation student.
  • Visit Business Insider’s homepage for more stories.

The Saudi national who fatally shot three people at a Florida naval base on Friday bought his gun legally even though so-called “nonimmigrant aliens” are not typically allowed to do so, NBC News reported Saturday.

The gunman, whom news outlets have identified as Mohammed Said Alshamrani, was a second lieutenant in the Saudi Air Force who was in the US as an aviation student.

Though non-citizens who hold US visas are typically barred from buying guns, NBC News reported that he exploited a loophole that allowed him to purchase one legally.

The Bureau of Alcohol, Tobacco, Firearms and Explosives says anyone admitted to the US under a nonimmigrant visa is typically “prohibited from shipping, transporting, receiving, or possessing a firearm or ammunition,” but there are exceptions for those with a valid hunting license or permit, and those who were admitted for “lawful hunting or sporting purposes.”

nas pensacola aerial

An aerial photo of NAS Pensacola and its surrounds.
Google Maps


NBC News cited sources that said the shooter had such a license and bought his weapon from a dealer in Pensacola.

The Washington Post also highlighted another ATF regulation allowing non-citizens to possess firearms if they’re from “a friendly foreign government entering the United States on official law enforcement business.”

US Defense Secretary Mark Esper said Saturday he could not confirm whether the attack was an act of terrorism, and that investigators needed to continue working to determine the motive.

Yet a number of disturbing details have come to light since the shooting, including that the gunman reportedly hosted a dinner party not long before the attack, in which the guests watched mass shooting videos.

The SITE Intel Group also conducted an analysis of what is believed to be the shooter’s Twitter page, which reportedly featured anti-American posts and echoed Osama Bin Laden.



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Non-surgical hair replacement – Business Insider

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  •  There is no surgery involved with these hair replacements.
  • Hairstylist Phil Ring applies replacements that are made out of real human hair.
  • Replacements applied with adhesive can last three to four weeks, while ones applied with tape last one week.
  • Visit Insider’s homepage for more stories.

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