Hi all,

I'm brand new here and have been reading the threads for a few days now but to be honest I'm still not sure how to begin. I apologize if this has been rehashed to death but with so many threads and posts out there its very difficult to find all the answers to the questions I have. Hopefully I wont get trashed too badly for asking but I would really appreciate some help and advice.

My info:
I live just outside Toronto, Canada and would fly primarily out of Pearson (YYZ).
My goal is to accumulate enough miles to take a family of 5 to Disney but also my wife and I like to travel to Europe, Mexico, Cuba etc. I would also like lounge access and travel upgrades to 1st or business class as well as hotel upgrades.

My questions:
1. Which travel rewards credit card combinations are best for us to get our hands on?
2. Is there a preferred reward option out there? Aeroplan? Airmiles? etc.
3. Churning cards seems to be an option but how will this affect my credit score?
4. Do people typically churn cards or is the goal to keep several cards while churning others?
5. Why is it more beneficial to stop in multiple cities when doing a Mile run? Do stop overs net more miles somehow?

Again I appreciate any assistance you can provide and I will continue to read the threads on FT!