I hate to lose money. Especially when it’s my own fault.

With a downgrade, get ready for a steep fall.

If you plan to downgrade a co-branded airline credit card, expect immediate service disruptions. I’ve held a premium airline co-branded credit card for over 30 years. Recently, with the upcoming annual renewal and the economic shifts affecting us all, I no longer travel as frequently, making most of the benefits of the higher-tier card unnecessary. When I contacted the credit card company to switch to a lower tier, my call was answered within two rings. The polite representative promptly addressed me by name and asked how he could assist. After a short conversation, he mentioned that the call would need to be transferred to “retention.”

A few moments later, a warm and friendly lady answered the phone and greeted me by name. I shared what I needed, and she listened patiently, showing understanding and offering some nice alternatives to downgrading the card. She was very professional and genuinely tried to keep me as a happy customer. I appreciated her effort, but I decided to go ahead and change the card level.

That was the last time I experienced high-quality service from the credit card company. Just two days ago, I called the same number about another issue related to my transition; after a dozen rings, I heard a recording saying they were busy, blah, blah. But eventually, I reached a courteous gentleman whose English was limited, though I truly appreciated his effort. This was the company’s second-level call center. While I will miss the premium service, I am grateful for the savings that come with the new plan.

I wish kids knew more about our flag.

Now this is impressive!

We will all miss NPR.

Another spectacular shopping spree.

My mom always envied the daily Queen.

Does she seem like a happy camper to you?

Nothing says welcome like a bond to enter.

As any reader of my posts will notice, I rarely add something controversial. I happened to see this and thought, hey, wait. Is this a good idea? I am aware that people enter the US and do overstay their stay. It’s anyone’s guess why someone overstays their visa; however, if we demand a substantial pre-payment to enter, we are implying the person will overstay. That doesn’t seem right to me; I’m not aware of any other country that has a policy like this. Should we be setting a bad example with such a unique policy?

Wow, Robert Duvall is 94 years old today.

Wow, he’s truly one of the all-time great actors! Beyond his role in “The Godfather,” he brought every character he played to life with such passion. There are so many wonderful films to choose from—my personal favorite is a movie that many have enjoyed: ‘The Apostle.” I’ve watched this movie a few times, and each time I do, I find myself liking it more. Wishing you a very happy birthday, Robert!