Thanks for the reply. I have never been a part of a FF program and I guess that is obvious.
I will only be earning points on my credit card, but the nature of my life means that I am spending more than most people about $2000 per month on average.
I don't care about business and first class at this stage and I would prefer to use my points for travel OS if possible. I don't care which airline I use, the best value for monemilage wise I guess.
I don't hire cars or stay at hotels very often so I can't really use thodse for FF Points.
I hope this is enough info. Thanks AXJ.