Americans have way too much money to waste. A few months ago, I heard about the

So I wanted to help my mother with her charity work. She does a lot of work helping under privilege kids in Vietnam by finding school supplies and sponsors to help send kids to school. School was about to start and she showed me a picture of a kid that needed a sponsor, so I said, I'll do it. All it took was $100 to send that child to school for year, so I gave my mom a Benjamin. I can see this as something I can do every year and find more children to sponsor. I'm sorry I can't be like Angelina Jolie and adopt the child and send him to some $20K a year private school with gourmet lunches, but I think my kid will be find.

So I finally achieved 20K miles on my Capital One card and was ready to cash out instead of getting a short flight somewhere. The first 2 times, I did this, I was able to get $200 for 20K, now I only got $100. I forgot that they change the conditions for cashing out last year. I've been waiting to get to this treshold to cash out and now I feel like they stole $100 from me. I can't wait to close this account. I don't think the hit will be too high on my credit score. What's their slogan? "What's in your wallet?" $100 less than I thought would be.