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September 12, 2026

Issue 37: Smarter by Thursday

Smarter by Thursday — Issue 37

Issue 37 · week of September 07, 2026

Smarter by Thursday

One practical AI win, every week. No jargon required.

By Dr. Rowan Hayes · Estimated read time: 6 minutes

Planning a road trip. Writing a complaint letter that actually gets results. On the surface those sound like very different problems, but they have something important in common: both force you to think clearly about what you want, sort through too many options, and put that into words someone else can act on. That is exactly where AI can quietly save you hours - if you know how to talk to it.

Try at least one before Sunday. That is the whole assignment.

Use Case 1 of 2

Use Case 1: Planning a road trip using AI

On Tuesday at 8:15 p.m., after clearing the dinner dishes, **Lisa** sat down at her kitchen table in Des Moines with a legal pad and a sinking feeling. She and her husband Mark, both 56, had promised themselves a road trip “before the snow flies” to visit their son in Denver and finally see some national parks. The trouble: the last time they’d tried a “flexible” trip, they underestimated driving time, arrived late, missed a museum they’d wanted to see, and blew their hotel budget on last‑minute bookings.

Now she was staring at her rough plan: Des Moines to Omaha, maybe Lincoln, then somewhere in Colorado, then Denver, then loop back a different way. She had tabs open for three different map apps, four hotel sites, and an article about “The Ultimate Colorado Road Trip” that assumed she had three weeks and a trust fund. Everything felt either too rushed or too vague. Lisa’s real fear wasn’t the driving - it was wasting yet another vacation on logistics and stress instead of feeling like they’d had an actual break.

Here is the exact prompt to use:

Copy and paste this into ChatGPT or Claude:

I want your help planning a realistic road trip, not a fantasy itinerary. Act like a careful, practical travel planner who understands driving fatigue and budgets for normal people.

Here are my details: - Starting point: Des Moines, Iowa - Destination: Denver, Colorado, to visit our son - Dates: Leaving Thursday October 3, returning Tuesday October 8 (6 days total) - Travelers: 2 adults in our 50s - Daily driving limit: We prefer 4 - 6 hours of driving per day, with no marathon days - Interests: Small towns, scenic drives, easy walks or short hikes, local diners, one or two museums - Budget: Mid-range hotels (not luxury), ideally under $180/night, and we don’t want to change hotels every single night - Preferences: We like having some structure (where we sleep and main stops) but we don’t need every hour scheduled

Please: 1. Suggest a day-by-day route from Des Moines to Denver and back that fits our driving limits and dates. 2. For each day, list: - Start and end town - Approximate driving time and distance - 2 - 3 specific ideas for things to see or do along the way (not just “explore the area”) - 1 - 2 towns where it makes sense to stay the night, with a short description of why (walkable, food options, etc.) 3. Flag any days that might feel rushed or tight and suggest how to simplify them. 4. At the end, summarize: - Total driving hours across the whole trip - Which nights are good candidates to book hotels in advance - Any places where we should expect higher hotel prices and why

Before you start, ask me 3 - 5 clarifying questions if anything is unclear (weather, mobility, hotel chains we like, etc.), then incorporate my answers into your plan.

Why this prompt works: This prompt gives the AI clear guardrails: realistic, not fantasy; driving limits; dates; interests; and budget. It also tells the AI how to “behave” (“careful, practical travel planner”), which nudges it away from vague inspiration and toward usable detail. Asking for a day‑by‑day structure forces it to think in steps instead of giving you a generic list. Finally, asking for clarifying questions upfront turns this into a short back‑and‑forth, which almost always improves the result.

One thing to watch out for AI is very good at structure, but only moderately good at geography and hotel prices. It may underestimate driving times, gloss over mountain passes, or suggest attractions that are closed seasonally. Treat its plan as a **first draft**, not gospel: check the driving times in a real map app and look up at least a couple of the suggested towns and hotels. Also, AI will not know about sudden road construction or weather - if you’re traveling in late fall or winter, you still need to do a quick reality check against current conditions.

Use Case 2 of 2

Use Case 2: Writing a complaint letter that actually gets results

On Thursday at 11:30 a.m., **David**, a 63‑year‑old insurance adjuster in Richmond, was staring at his bank’s online chat window with rising blood pressure. Two weeks earlier, a double charge had hit his account for a hotel stay: same amount, same date, same merchant. He’d patiently typed explanations into chat, spoken to two different representatives on the phone, and been told “we’ll investigate and get back to you” three times. Yesterday, he received a bland email: “We have determined these charges are valid.”

What bothered David wasn’t just the $287 - it was the sense that nobody was actually listening. He’d kept records. He had the hotel receipt showing one night, not two. He had the dates, the confirmation numbers, the previous chat transcripts. But every time he tried to explain, the person on the other end seemed to be reading from a script. His wife suggested he “just let it go,” but that made him angrier. He didn’t want to rant; he wanted a letter that would land on someone’s desk, be taken seriously, and either fix the problem or at least force a real explanation. He didn’t feel like hiring a lawyer. He did feel like he was shouting into a void.

Here is the exact prompt to use:

Copy and paste this into ChatGPT or Claude:

I need help writing a calm but firm complaint letter that is more likely to get results. Act like a detail-oriented consumer rights advocate who knows how banks and large companies review written complaints.

Here are the facts of my situation (you can reorganize them, but don’t change them): - Company: [Bank name] - Issue: Double charge of $287.40 for a hotel stay in [City], dated [Date] - What happened: - I booked a one-night stay at [Hotel name] for [Date]. - The hotel charged my card once at checkout for $287.40. - Two days later, a second, identical charge appeared from the same hotel. - Evidence I have: - Hotel receipt showing one night only - Email confirmation for one reservation, not two - Screenshots of my online statement with both charges - Copies of prior chat and email exchanges with the bank - Timeline: - First contacted bank on [Date]; was told they’d investigate. - Followed up on [Date] and [Date]; each time was told it was “being reviewed.” - Received an email on [Date] stating “we have determined these charges are valid” with no explanation. - Desired outcome: - Reversal of the duplicate charge, or - A detailed written explanation of why the bank believes the charge is valid, referencing specific evidence.

Please draft a one-page letter that: 1. Is addressed to an appropriate role (e.g., “Office of the Customer Advocacy” or similar) and sounds like a reasonable adult, not an angry rant. 2. Briefly states the issue in the first paragraph without emotion, just facts. 3. Clearly lays out the timeline and evidence in a way that is very easy to follow. 4. Politely but firmly requests a specific action and mentions that I am prepared to escalate to the appropriate regulator or ombudsman if needed, without sounding threatening. 5. Uses plain language, no legal jargon.

After you draft the letter, give me a short note (3 - 4 bullet points) explaining your strategy: why you structured it this way and what tone you aimed for.

Why this prompt works: This prompt gives the AI concrete facts to work with and a clear role: a consumer rights advocate, not a generic “assistant.” That steers it toward practical, procedural language rather than dramatic complaints. You specify length (“one page”), tone (“calm but firm”), and structure (issue first, timeline, evidence, requested outcome), which helps the AI produce something a human reviewer can skim quickly and understand. Asking for a brief explanation of its strategy helps you learn from the output and adjust it if the tone doesn’t feel quite like you.

One thing to watch out for AI is not a lawyer and will occasionally sprinkle in phrases that sound more aggressive than you intend (“failure to address this matter may result in…”). Before you send anything, read it out loud and remove anything that feels melodramatic or like a cut‑and‑paste from a TV courtroom drama. Also, regulators and escalation paths differ by country and industry; if the AI suggests a specific agency or ombudsman, double‑check that it actually applies to your situation rather than assuming it’s correct.

Know someone who spends too long on things AI could do in two minutes?

Forward Smarter by Thursday to three people who subscribe and I will send you my free AI Prompt Starter Pack: 20 ready-to-use prompts for everyday life.

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Smarter by Thursday · By Dr. Rowan Hayes · drrowanhayes.com
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