Search found 56 matches

by SueG5123
Wed Sep 13, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited Savings Bonds
Replies: 30
Views: 1846

Re: Inherited Savings Bonds

I redeemed about ten bonds at once a few years ago. The certifying officer at my credit union certified my signature on the Treasury form requesting redemption, not each individual bond.
by SueG5123
Wed Aug 30, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5003

Re: USAA opinions. Worth it?

I've had my personal association with USAA since 1982; I am a retired military officer. Auto insurance, home insurance, umbrella insurance, banking, credit cards, and investments. However -- USAA has changed and is no longer the company I first associated with. The banking and credit cards have beco...
by SueG5123
Mon Aug 28, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Harvey flood damage [tenant's property has flooded - actions?]
Replies: 28
Views: 4500

Re: Harvey flood damage [tenant's property has flooded - actions?]

Read your flood insurance. Government flood insurance has a ceiling of 250K as I remember, so you may be out of pocket the balance.

Stay dry! We're in Katy, water got to the doorstep last night!
by SueG5123
Fri Aug 18, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 27
Views: 3098

Re: Recommended Acoustic Guitars Under $1,000

Another pitch for a used Guild. I bought my D40 in 1987, and it sounds sweeter today than ever. I have a Martin that cost three times as much and doesn't sound half as good!
by SueG5123
Thu Aug 17, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 45
Views: 3555

Re: Soliciting personal recommendations for a Barcelona trip

Montserrat was a wonderful day trip, as I recall. Views are fabulous.
by SueG5123
Mon Aug 07, 2017 5:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Celebrating 30 years with Vanguard!
Replies: 25
Views: 2202

Re: Celebrating 30 years with Vanguard!

I, too, am celebrating a 30th anniversary with Vanguard this year, but I am amused to remember that three days after I mailed my initial check for the Wellington fund, there came Black Friday (market down about 300 points, which was huge at the time), immediately followed by Black Monday (market dow...
by SueG5123
Tue Jul 25, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Italy in August Trip (Rome, Florence, Venice)
Replies: 43
Views: 2766

Re: Italy in August Trip (Rome, Florence, Venice)

Re: seeing the Vatican, your wife being a teacher provides an excellent "rationale" for requesting permission to visit the necropolis and excavations underneath St. Peter's. You must request permission on line from the Vatican Scavi Office, and you will be charged a nominal fee to pay for the tour. ...
by SueG5123
Tue Jul 18, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: A week in Iceland
Replies: 28
Views: 1763

Re: A week in Iceland

I lived in Iceland for a bit when there was a NATO base at Keflavik (essentially collocated at the airport). I would second going in the so-called winter months -- their winters are milder than those in the Midwest, temp-wise, but watch those winds! (They will make Chicagoans pale.). I loved watchin...
by SueG5123
Fri Jul 14, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 1931

Re: Recommendations...Italy

I took a Perillo tour of Italy (Rome, Sorrento, and Florence) in 2006. It wasn't inexpensive, but I was traveling alone and enjoyed it. Since then, however, I've taken two trips to Italy with Go Ahead tours -- the guides were better, price was better for what you got. Of course, Perillo gives you al...
by SueG5123
Tue Jul 11, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: EE Bonds?
Replies: 44
Views: 2030

Re: EE Bonds?

I started buying US Savings Bonds as a young military officer in the 1980s... every time I got a promotion I put some of the payraise into EE bonds... they still haven't hit final maturity, but they are a nice little savings asset.. I'd recommend them as practically painless savings. (Okay, there mi...
by SueG5123
Sun Jun 25, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: December on Oahu - Northshore or Waikiki?
Replies: 6
Views: 697

Re: December on Oahu - Northshore or Waikiki?

Just returned from a week in Oahu. Stayed at Waikiki (Hale Koa) and really enjoyed everything. Rented a car and saw downtown, the historic places and the scenic views. Favorite morning was spent at the free Kamaka Ukulele factory tour, a real gem. (It probably means a bit more if you play a little u...
by SueG5123
Sun Jun 18, 2017 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 2110

Re: Change Auto & Umbrella Insurance after 52 years?

Been with USAA for over 35 years, but planning to find a new insurer this year. They have no loyalty to me.
by SueG5123
Fri Jun 09, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: New Roof - Questions
Replies: 16
Views: 1853

Re: New Roof - Questions

I'm just going to mention my very recent experience following a hailstorm in Katy, a suburb of Houston, in February. I, too, took the honorable path and called my insurance company (USAA), ignoring the numerous roofing companies ringing my doorbell. Three months later, every house on my block and th...
by SueG5123
Mon Jun 05, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 1090

Re: How to find best but the cheapest red wine for better health?

If you drink wine only for the alleged health benefit, I concur with others who suggest either grape juice or total abstention. Price is only one consideration with wine; there is also value and individual taste. Although unasked, I will add that wine is more important than just what's in the box or...
by SueG5123
Sat Jun 03, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Favorite Biographies and Memoirs
Replies: 33
Views: 2187

Re: Favorite Biographies and Memoirs

Anything by William Manchester, especially volume one of his three books on Churchill. His biography of MacArthur, American Caesar, was also masterful, as was his history The Arms of Krupp, effectively 20th century conflict in a nutshell. Buell's study of Fleet Admiral Ernie King was great. For the ...
by SueG5123
Wed May 31, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: 2016 trip to Ancient Greece
Replies: 3
Views: 781

Re: 2016 trip to Ancient Greece

Loved reading your account, thanks very much for posting it! My husband and I are doing a cruise of the Greek islands in September and looking forward to it. We are taking a Spanish-flagged cruise ship, so the trip promises to be doubly the adventure though quite the value, too.
by SueG5123
Fri May 26, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 6152

Re: anyone ever live/living on a boat?

Two comments from my 20 years with large sailboat: 1. Boats are a lot of work. Take whatever amount of work you think it will be and multiply that by a factor of 3. Maintenance is continual -- teak must be oiled, brightwork polished, barnacles chased, machinery tuned. Just about anything on deck, ex...
by SueG5123
Wed May 17, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3848

Re: Homeowner's Insurance & New Roofs

Just to follow up, USAA sent a THIRD inspector (engineer) to inspect today, at our insistence and after considerable reluctance on their part. (To be precise, we had to involve the highest levels of customer service to gain this tiny consideration.) We have absolutely no reason to think he will do a...
by SueG5123
Mon May 15, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3848

Re: Homeowner's Insurance & New Roofs

Since it seems to be an issue, and I neglected to mention this earlier: my neighborhood is relatively recent, all homes less than 9 years old, and we have been here since the beginning. Meaning, there shouldn't be differences in the ages of the roofing materials.
by SueG5123
Mon May 15, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3848

Re: Homeowner's Insurance & New Roofs

Re: whether there were immediate signs of damage (to us): The most immediate sign of anything was a startling amount of particulate dislodged from the shingles. DH scooped up a bucket worth from the patio. Recently, we have noticed dislodged shingles in our yard -- though, admittedly, it is possible...
by SueG5123
Mon May 15, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 3848

Homeowner's Insurance & New Roofs

A couple of months ago, there was a hailstorm here in my neighborhood in Texas, west of Houston. The roofing companies were out like locusts, ringing doorbells and trying to sell us new roofs, but we did what we thought was the honorable thing and called our insurer, USAA. They sent an adjuster and ...
by SueG5123
Tue May 09, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 6071

Re: What newspaper or magazine do you pay for?

I subscribe to The Houston Chronicle, The New York Times (weekends), The New Yorker magazine, Naval History magazine, and Now Playing (TCM Viking guide). I guess my view is that journalism ain't free but propaganda is -- hence, a good reason to view "free" internet news with considerable s...
by SueG5123
Sun Apr 23, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 3085

Re: Alaska cruise advice

I did an Alaska cruise many, many years ago, on Holland America. I know they have totally refreshed their fleet since that time, but I would say that I remember the service as being top of the line and many entertainment options on board. As for excursions, I wish -- in retrospect -- that we had she...
by SueG5123
Sat Apr 15, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Provence and Normandy
Replies: 11
Views: 1131

Re: Provence and Normandy

We had a lovely time on Viking Cruises with both these destinations. There were tour options that took us right to Normandy beaches, very moving. Plus, Viking Cruise always very nice. Not sure where your interests lie, but -- since my husband's great uncle was killed at Meuse Argonne in 1918, we're ...
by SueG5123
Mon Apr 10, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1493

Re: Planning Scandinavia trip

I wouldn't shortchange Copenhagen just to cram it into "a Scandinavian junket." Save Copenhagen for a trip with enough time to do it justice. And I would recommend ferries, including overnight ferries where feasible, over trains.
by SueG5123
Thu Apr 06, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Pension -lump sum or monthly payout?
Replies: 29
Views: 2162

Re: Pension -lump sum or monthly payout?

Re: insurance by PBGC, please note that the pension may not be (probably is not) insured for the full amount you would be due! PBGC determines what can be paid based upon complicated calculations (premiums paid, assets versus pension liabilities, etc.) and it is probable that, should your pension fa...
by SueG5123
Mon Mar 27, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Send check for quickly amended return?
Replies: 18
Views: 1049

Re: Send check for quickly amended return?

Last year, we submitted our taxes only to get a tardy 1099-B a few days later. I was frothing at the mouth to immediately amend the return, fortunately, my husband coached patience and so we waited until the first claim was handled. After that, we filed the amended return. In retrospect, that was de...
by SueG5123
Tue Mar 21, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Winter Travel
Replies: 29
Views: 2558

Re: Winter Travel

I highly recommend visiting the Christmas Markets in Europe! We did it about 10 years ago as a land tour (through Go Ahead), but went again a few months ago on a Viking Cruise. Great way to travel! We traveled from Hungary to Germany, stopping in Budapest, Vienna, Melk, Linz, Durenstein, Cesky Kruml...
by SueG5123
Fri Feb 24, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: critique Italian itinerary
Replies: 34
Views: 2835

Re: critique Italian itinerary

FWIW, I guess I'd skip Venice. Great place, but I think you've got plenty on your plate already with Milan and the Cinque Terra. Add Lake Como and Bellagio. Save Venice for another trip. Oh, and if you're hoping to see Leonardo's Last Supper in Milan, make sure you make your reservations on line in ...
by SueG5123
Fri Feb 24, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Looking for suggestions for a Wine Cooler
Replies: 28
Views: 1108

Re: Looking for suggestions for a Wine Cooler

We installed a Magic Chef Stainless Steel built in Wine/Beverage Cooler (Model No. MCWC50DST) in 2011. Still working great! Holds about two cases of wine. We keep it set on 47 degrees.
by SueG5123
Sat Feb 18, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3869

Re: Cruise suggestions.

Viking Ocean Cruises -- I can offer some specific input here. My husband and I were on the maiden voyage of the Viking Sea last spring (the last ship departing Istanbul before the problems there!). Cannot say enough about the quality of the cruise! The free excursions were wonderful, although the sh...
by SueG5123
Thu Feb 16, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Cruise suggestions.
Replies: 37
Views: 3869

Re: Cruise suggestions.

First and foremost, heed warnings of pickpockets. They don't want to physically harm you, but they do want your cash and cards and they are expert in the means to do so. Recommend no purses or wallets unless you use them as "dummies." Money belts or zippered pockets are excellent investmen...
by SueG5123
Sun Feb 05, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Spring Training in Phoenix
Replies: 7
Views: 936

Re: Spring Training in Phoenix

Highly recommend some time in Old Town Scottsdale while you are there. Browse the Native American jewelry and crafts, have some great margaritas and Mexican chow. It's always a highlight for us. Also -- Tortilla Flats is a nice drive and view. Definitely go out to Superstition Mountain State Park an...
by SueG5123
Sat Jan 14, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: 225th anniversary lady liberty coin
Replies: 16
Views: 2130

Re: 225th anniversary lady liberty coin

I agree, the coin is beautiful. I purchased some of the (gold) Canadian Maple Leaf coins in the early 1980s. Again, very pretty, but a few years ago I began wondering why I was keeping them in a safe deposit box. Decided I should sell them. It was sort of a process to sell them; you can't just take ...
by SueG5123
Sun Dec 25, 2016 6:08 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 8504

Re: My Christmas Gift to You.

We were in France last year and visited Bastogne, Normandy, and other sites. Beautiful museum to the Battle in Bastogne, and the town has never forgotten US sacrifices. From the Normandy Beaches to Bastogne, there is a marker every kilometer that testifies to the Allied progress to free France. It b...
by SueG5123
Sun Dec 11, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: travel to Istanbul
Replies: 42
Views: 3462

Re: travel to Istanbul

DH and I visited Turkey (Istanbul, Kanakaale, & Kusadasi) in April. Even then, before the terrorist bombing at the airport and the attempted coup, it was evident that tourism was suffering badly. However -- we had a marvelous time! We saw Topkapi, the cisterns, archeological museums, the mosaics...
by SueG5123
Fri Dec 09, 2016 12:04 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? 8 Month Update
Replies: 164
Views: 18618

Re: Learning an instrument as an adult?

I took up guitar at the ripe age of 28. I'd tried when I was younger, but had always been dissuaded by folks who told me I had to play right handed. (Obviously, I am left handed, and I watched the Beatles on Ed Sullivan when I was a kid and saw the famous southpaw, so I KNEW lefties were not exclude...
by SueG5123
Tue Nov 29, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 8674

Re: Investing in the 80's when CD rates were 17%?

I invested in CDs in the 1980s and I don't recall that any ever paid 17%. I remember closer to 8-9% returns. I also bought my first shares of Wellington in 1987. Three days later came Black Friday (300 points down), followed by Black Monday (500 points down). So my investment was suddenly half of wh...
by SueG5123
Mon Nov 28, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: An IRS correspondence mess
Replies: 45
Views: 4351

Re: An IRS correspondence mess

When I worked in a U.S. military Disbursing Office, we would occasionally have indebted members claim they never received or negotiated the check in question. We had a means by which we could ask Treasury for a copy of the check to see if it had been negotiated -- it was not a quick process (6-8 wee...
by SueG5123
Fri Nov 25, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Kitchen appliances
Replies: 15
Views: 2282

Re: Kitchen appliances

A word of warning about Home Depot: When I recently purchased a washing machine from them, they went to EXTRAORDINARY lengths to tell me they would not under any circumstances take the machine back if defective; even had me sign an acknowledgement to that effect. Also--which really burned my grits--...
by SueG5123
Tue Nov 22, 2016 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 291
Views: 30291

Re: Vanguard Customer Service

Are others aware of customer service problems with Vanguard? I'm a big Vanguard booster, but DH is having major problems with even getting anyone on the phone. He's been trying to move some funds from a 403(b) at Vanguard to purchase pension years--there is a narrow window of time for accomplishing ...
by SueG5123
Fri Nov 18, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation?
Replies: 93
Views: 48908

Re: Turn off water heater on vacation?

I had a washing machine hose burst in the middle of the night while we slept. Woke up with two inches of standing water in most of my one-story house. My point is: your house can be flooded in such a way that it really doesn't matter whether you're in Europe or in the next room. So I'm not sure I ge...
by SueG5123
Mon Nov 07, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mailing a US Savings Bond to Ally or PenFed for deposit?
Replies: 4
Views: 875

Re: Mailing a US Savings Bond to Ally or PenFed for deposit?

Please go to the US Treasury web site and read up on how to redeem a savings bond. Some banks may allow you to redeem a small bond without having an account with them -- Capital One did so for me once. Recommend you call first. Usually the best process is to fill out the form specified by TreasuryDi...
by SueG5123
Mon Oct 10, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Nissan Navigation Update
Replies: 16
Views: 1242

Re: Nissan Navigation Update

I have a Nissan Rogue and last year, the third year I'd owned the car, I paid to update the navigation SD card. Wish I'd saved my $150. The new one isn't appreciably better than the older one. Agree with the others. Use what you have and augment with your cell phone. Buying a new navigation card is ...
by SueG5123
Thu Oct 06, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: Europe bus tours
Replies: 36
Views: 2631

Re: Europe bus tours

We've done several Go Ahead bus tours and really enjoyed -- Christmas Markets of Prague/Vienna/Budapest; Holland-Belgium; and three Italy trips. Most were excellent, but on one of the Italian trips, we were pretty sure the tour guide was hooking up after hours with the bus driver, so there were some...
by SueG5123
Sat Sep 24, 2016 6:12 am
Forum: Personal Consumer Issues
Topic: Viking cruise in Europe
Replies: 10
Views: 2444

Re: Viking cruise in Europe

My husband and I have been on 3 Viking cruises (2 river and 1 ocean). The first cruise (southern France/Rhone river) was wonderful, very intimate. The second river cruise (Paris to Normandy) was marred by the ship colliding with a lock and the French authorities insisting on repairs (seemed cosmetic...
by SueG5123
Mon Sep 12, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 27
Views: 3098

Re: Recommended Acoustic Guitars Under $1,000

I, too, would recommend a used (vintage) Guild. I got mine in 1987 and absolutely love it to this day. Since then, I've added several instruments, including a very nice Martin -- but that Guild has a brightness that can't be matched. Older Guilds can be a real bargain. Check out Reverb.com
by SueG5123
Tue Sep 06, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Recommendations for a good political drama?
Replies: 16
Views: 1433

Re: Recommendations for a good political drama?

Although not strictly political, I'd recommend The Newsroom. It has the Aaron Sorkin pedigree and really took on several important issues. Great cast and all that rat-a-tat-tat Sorkin dialogue.
by SueG5123
Wed Aug 03, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: To Lasik or not?
Replies: 34
Views: 2662

Re: To Lasik or not?

I had lasik in 2001. No problems at all. As a lifelong myope, it was great to be able to see at a distance (even read the face of the alarm clock) without glasses. That said, however, I almost instantly needed readers (something they warn you about). I still have absolutely no regrets about having d...