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Her money comes to you through PRX. Hi I'm Jean Chatsky and welcome to Her Money, your weekly conversation about all things financial and if we're going to be

totally honest about it all things life we've got a really great show coming up

for you today but before we get into it I want to talk for just

a couple of minutes about the telephone I had this experience last night with my

husband he had booked a ticket on Amtrak. We were in Philadelphia

for my uncle's 85th birthday party and he was going to come back on the train

and I was going to spend a little bit of additional time with my mom.

But after he booked the ticket, shortly after he booked the ticket, we realized that plan just

wasn't going to work at all and we were both going to get in the car together and drive home.

And when we looked at the language on the website of Amtrak, it was very clear immediately that he was within the window for no more refunds.

Essentially it said within 24 hours if you had booked your ticket you could not get a refund.

But he had booked it about three minutes ago and so he's fretting online and I said, give me the phone.

Because I've done this enough

to know that there are things you can accomplish

on the telephone that you just can't accomplish online.

The rules when they're set online cannot be broken online because there's no person online but if you're nice to the customer

service people and you get a compassionate person on the other end bottom line

it took me about 30 seconds to cancel the train ticket and get a full refund on the credit card.

And I bring this up because it seems to me that many people of generations younger than mine are reluctant to pick up the

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