No. of Recommendations: 0
wash a lot of business expense through their personal cards

This is a big help in hitting that $6500 mark... I had a couple of trips and high ticket purchases early in the year, so I hit the $6500 mark early.

I find that in my case even w/o the business expenses my normal monthly bills will get me to the higher tier--

Electric : $ 50
Home Fuel : $100 (on the budget plan that avgs monthly cost)
Cable/Internet: $100
Cell Phone : $100 (family plan that includes mom, dad, etc)
Grocery : $350 ($80-90/wk, includes beer :*) )
Car Fuel : $150
Work Food : $100 (company cafe takes amex, ~$5/day)
Misc/Entnmnt : $100
Total :$1050

I figure it takes just over 6 months to break even in my specific case, obviously doesn't work for everyone else or those who read the LBYM board closer then I do.

I find that 9/10 places that I go to will take amex, it's usually the smaller or non-chain places that don't accept it... the big disappointing one for me (as you pointed out) was my university, I spend about $4000/yr on night classes, half of which is at the beginning of the year...
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