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Home > > Blue Sky from American Express

Blue Sky from American Express

Rewards Program: Points from Blue Sky
Flexibility to pay charges over time
No annual fee
0% for 6 months, then as low as Prime Rate + 13.99%

Experience ultimate travel freedom
Enjoy travel rewards free of restrictions and blackout dates - earn points for flights on any airline, stays at any hotel, and car rentals with any company.1 Plus, your points don't expire. You will accrue one (1) point for each U.S. dollar of net purchases (purchases net of any credit adjustment) charged on your Blue Sky Card account. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments do not earn points.

No annual fee is just the beginning
You decide if you want to pay charges over time or pay in full - and you won't pay any interest on purchases for up to 6 months when you get the Card.

Get rewarded quickly
Start redeeming travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase.2 That's worth up to 33% more than points on most other travel rewards cards. Points can only be redeemed in the form of a statement credit on eligible travel purchases (which are purchases at airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators, and online travel sites billed to your account and submitted by the merchant using the proper industry, merchant, or product/service code). Redemption requests must be made within 60 days from the closing date shown on the billing statement on which the travel purchase first appears. Points may only be redeemed in increments of 7,500. Each 7,500-point increment is equal to a statement credit of up to $100, up to the amount of the eligible travel purchase. Additional terms and conditions apply.

Powerful shopping
Not only do we watch out for and reimburse fraudulent charges, we can extend the length of the original manufacturer's warranty up to one additional year on your eligible purchases that have U.S. warranties of five years or less.3

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What is happiness? The most ambiguous question posed in the universe apart from "What is love?" is often associated with this question regarding money and whether the more you have the happier you will be. Well, can it? Is happiness for sale? Is there a store at the local shopping centre that trades happiness for some of your hard-earned cash?

Wikipedia define happiness as;

Happiness, pleasure or joy is the emotional state of being happy. The definition of happiness is one of the greatest philosophical quandaries. Proposed definitions include freedom from want and distress, consciousness of the good order of things, assurance of one's place in the universe or society, inner peace, and so forth...

The first proposal in Wikipedia's definition regards this very question, "...freedom from want and distress..." So, if money can free you from want then surely it must be able to buy you happiness! Right?

Financial freedom is the state most people chase. The ability to pay your own way with everything without ever having to check the credit card statement in fear and trepidation.

It's why we set up pension funds, play the lottery, spend more time working than we do playing with our kids. We hope to one day be independent of a boss, of a budget, of any constraint that could limit our desire to be happy. To spend whenever we had the inclination.

Okay. This is just frivoluous spontaneity. It bursts onto the screens of our life for a short time and as quick as it came it goes. That's a shallow expectation of happiness. I want happiness that survives time. Can money buy that?

If money can buy happiness, how much would I need and how much happy would it make me? I earnt a couple more dollars this month on my Adsense account but it wasn't even a blip on the happiness radar. So how much would I need?

John Silveira's article "Money can buy happiness" says this...

How much do the experts say is enough? In a study conducted by Andrew Oswald and Jonathan Gardner at the University of Warwick, in Coventry, England, they discovered about 1.5 million tax-free American dollars moved most people into the top 2% on the happiness scale. Their study also revealed that, at the low end of the scale, each $75,000 moves one between 1/10 and 3/10 standard deviations (which is a measure of how statistical data is spread out) up the “happiness” scale.

I know John has a lot of statistical evidence showing that perhaps money CAN buy you happiness but for me the jury's still out. I know a lot of people who earn less than A$20K per year who are happier than some with dual incomes earning A$100K per annum.

I think it has more to do with contentment and self-identity than it does with the amount of money you have or earn. If you're striving to have more money and know that you're not making it this will lead to all sorts of anxiety issues which will deprive you of happiness.

Maybe learning to be content and set achievable goals for our money is a key to happiness?

How well do you look after your customers? Most companies probably think they do a good job, but the addition of technology into large, national call centers has caused many organizations to focus on technology solutions as opposed to people solutions.

1. If your call center uses a feature where a customer can leave a number where they can be reached by the next available customer service representative, turn it off and hire more customer service representatives.

2. A call center manager must rely on technology to track important statistics like the amount of time a customer waits on hold. Any time greater than one minute should be considered to be inadequate. By monitoring these statistics, priority can be given to improving staffing levels.

3. If your first point of contact with your customer is having a recorded message telling them how important their call is, you may want to look at changing the message. If their call was important, it would be immediately answered by a real person - not a computer.

4. If your marketing team suggests that a marketing campagne should be created around a "focus" or "commitment" to customer service, laugh at them and tell them they should take the marketing money allocated for that campagne and spend it on actually improving customer service.

5. Here's a great idea. If your company sends invoices or bills to your customers, reduce the amount of calls to the call center by simplifying the bills. Bills that are too confusing are a leading cause of calls into a busy call center.

6. Make your executives and managers spend a day in the seat of a customer service representative. Give them a good idea of the challenges that are faced by your front-line workers.

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