I guess falls under the category of learning from your mistakes. I had an emergency trip to St. Louis this weekend and found a Hilton Homewood Suites to stay in. Instinctively, I logged into HHonors and traded 25,000 points for a $100 room. If I am doing my math right, that made my HHonors points worth about .3 cents. Hindsight is always clearer, eh? After getting home, I remembered all those Chase UR points sitting around waiting to be used. Why didn't I use them instead? Had I made the booking using UR, I could have booked the same room for 8,247 UR points. That would make my UR points worth 1.2 cents. Wow, what a difference! I'm kicking myself. Plus, It would have been a heck of a lot easier to earn back 10,000 UR points, eh? But it was an emergency and I had to make decisions quickly, so that was a factor. Just wanted to throw that story out there into the newbie section. It's all a learning experience. But, in the end, this hobby allowed me to quickly travel without having to worry about the bill. So, no complaints from me!