Search found 157 matches

by SueG5123
Thu Mar 26, 2020 7:05 am
Forum: Personal Consumer Issues
Topic: Psy.D. (Doctor of Psychology) degree
Replies: 3
Views: 580

Re: Psy.D. (Doctor of Psychology) degree

My husband’s daughter finished her Psy.D. two years ago, received the doctorate, and is now a captain in the Air Force. The military is very desirous of such specialists and offers incentives (student loan forgiveness, bonuses, etc.) to recruit and retain. She seems happy with her choices, as are we...
by SueG5123
Tue Feb 11, 2020 10:25 pm
Forum: Personal Consumer Issues
Topic: Help Middle Schooler Improve Writing Skills
Replies: 17
Views: 1064

Re: Help Middle Schooler Improve Writing Skills

Your idea about encouraging reading as a conduit to better writing is absolutely on the mark. Reading and writing are not two different skill sets — good writers are always good readers.
by SueG5123
Fri Jan 31, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: How to decide a job change from Chicago to Houston?
Replies: 52
Views: 2885

Re: HOw to decide a job change from Chicago to Houston?

DH is native Chicagoan, I’m native Kentuckian, we’ve been in Houston for 11 years. Housing is inexpensive. You can get a mansion for very little... as long as your conscience doesn’t bother you. No state income tax but the property taxes make up for it. Summers are beyond brutal. Be prepared for ver...
by SueG5123
Tue Jan 28, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: Dog repellent when biking
Replies: 63
Views: 2910

Re: Dog repellent when biking

I walk my own little beagles daily and have had some scary encounters with big dogs off-leashes. My take is that an air horn works best to stop a charging dog. As someone previously noted, it not only scares the aggressing dog, but it alerts nearby people to your situation. Having said that — have a...
by SueG5123
Thu Jan 16, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: strong role model books for 8 YO girl
Replies: 53
Views: 3419

Re: strong role model books for 8 YO girl

Island of the Blue Dolphins features a courageous young female adolescent as the lead character. Excellent, timeless story.
by SueG5123
Sun Jan 12, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse diagnosed with cancer. Financial steps?
Replies: 38
Views: 6157

Re: Spouse diagnosed with cancer. Financial steps?

Sorry to hear of your situation. Good that you (both) have wills. Regarding your house, something to keep in mind is that in Texas, joint tenancy does not apply to real estate, so probate may be required if/when you decide to sell.
by SueG5123
Fri Dec 27, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: My Christmas Gift to You Seventy-Five Years Ago
Replies: 74
Views: 7006

Re: My Christmas Gift to You Seventy-Five Years Ago

Thank you, Taylor. These two retired naval officers salute your service.

As a side note, I mention that husband and I visited Bastogne a few years ago on our own WWII historical pilgrimage. Wonderful museum and commemorative efforts there. The French have not forgotten American sacrifices!
by SueG5123
Fri Dec 27, 2019 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Goodbye USAA
Replies: 72
Views: 9103

Re: Goodbye USAA

My understanding is it depends on how you qualify with USAA. If you were actually an officer and got in that way you get the most preferred rates. If you were enlisted you pay higher rates. Same if you got in by being a relative. Retired Officer here. I, too, found that GEICO saved me lots of money...
by SueG5123
Tue Nov 26, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 53
Views: 5020

Re: Visiting SAN FRANCISCO

Unique restaurants/bars: Buena Vista Saloon, near Fisherman’s Wharf. Originator of the Irish Coffee. Also, if you’ve ever seen the movie “Yours, Mine, & Ours”... figures prominently during the courtship... Cable car turnaround at Fisherman’s Wharf. Blue Mermaid’s crab chowder in a bread bowl. Coit T...
by SueG5123
Sun Oct 27, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 106
Views: 8328

Re: Have you ever purchased a pricy musical instrument?

I have invested in a Martin concert guitar that gives me great pleasure. DH gave me a Rickenbacker 330 for last year’s anniversary, and it is a beauty. On the ukulele front, I have a 100th anniversary Kamaka concert and a Koaloha tenor. I also have a Mexican Martin tenor uke and several Korean made ...
by SueG5123
Tue Sep 03, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: I'm looking for your help figuring out how to help my Mom
Replies: 29
Views: 3085

Re: I'm looking for your help figuring out how to help my Mom

Many excellent responses. I only want to note that you should try to watch the recent show John Oliver did about mobile home parks being targeted by investors and rentals being shot through the roof for folks who cannot afford. That info would permanently turn me off the idea.
by SueG5123
Sun Aug 25, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Video Movies and TV Shows
Replies: 20
Views: 1875

Re: Amazon Prime Video Movies and TV Shows

I really enjoy Amazon Prime TV & movies, less for “new” shows and more for older ones. I particularly enjoy the American Experience episodes and documentaries. Just finished a wonderful doc on George Westinghouse and I’m currently in the middle of Ken Burns’ “Jazz.” I typically watch in the mornings...
by SueG5123
Thu Aug 22, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Any reason NOT to drop SGLI?
Replies: 17
Views: 1897

Re: Any reason NOT to drop SGLI?

Sue, thank you for commenting! If I may ask, how is SGLI different from USAA or AAFMAA coverage? All three have a war zone coverage and only USAA require a med. exam. They seem to be the same in everything but price. With SGLI, $25/mth buys $400,000 coverage. With AAFMAA, $29/mth, buys $800,000 cov...
by SueG5123
Tue Aug 20, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7672

Re: Are there advantages to being married to a teacher?

Just wanted to mention the WEP and the toll it can take on your planned pension!
by SueG5123
Sun Aug 18, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason NOT to drop SGLI?
Replies: 17
Views: 1897

Re: Any reason NOT to drop SGLI?

I’m retired Navy, and I spent a large portion of my 23 years active duty working in pay & personnel matters, such as SGLI. I fully agree that VGLI (post military career insurance) is not competitive with other insurers. SGLI, on the other hand, remains the best option for your military service. And ...
by SueG5123
Thu Aug 08, 2019 7:07 am
Forum: Personal Investments
Topic: Helping my CSRS parent navigate meeting with Raymond James CFP
Replies: 35
Views: 3523

Re: Helping my CSRS parent navigate meeting with Raymond James CFP

Your parent should be VERY leery! My neighbor, an otherwise nice man, is a “financial advisor” with Raymond James. The only funds he will offer are proprietary funds with steep loads and maintenance fees on top of the AUM. He will also steer you to the in house lawyer and the in house insurer, so th...
by SueG5123
Tue Aug 06, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: How do you find good travel deals?
Replies: 20
Views: 3884

Re: How do you find good travel deals?

We subscribe (free) to Travelzoo. It sends us frequent travel “deals.” Example: Portugal this December, 6nights lodging at four star hotels, rental car, and round trip airfare for $799. A couple of years ago, we did a week cruise of the Greek islands for $1299, all inclusive (incl. airfare). It has ...
by SueG5123
Thu Jul 25, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Best Travel Insurance for Bucket List Trip
Replies: 4
Views: 767

Re: Best Travel Insurance for Bucket List Trip

If the traveler is a veteran, the VFW offers an annual policy that effectively covers medical tx and evacuation anywhere.
by SueG5123
Wed Jul 24, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Gold Coin for fun, not for investment or numismatics [Canadian Maple Leaf]
Replies: 31
Views: 3105

Re: Gold Coin for fun, not for investment or numismatics [Canadian Maple Leaf]

In 1987, I bought a set of Canadian Maple Leaf coins — I believe the one ounce, the half ounce, and the quarter ounce — thru Dean Witter. (There’s a blast from the past, eh?) The coins stayed in a safe deposit box throughout the rest of my military career. Then, one day I realized I’d really rather ...
by SueG5123
Sat Jul 20, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Trip to Honolulu
Replies: 49
Views: 3735

Re: Trip to Honolulu

Kamala ukulele company offers a tour on Friday mornings... free... You don’t have to play ukulele to appreciate this wonderful piece of Craftsmanship and history. Sam Kamala Sr. held the patent on the “pineapple” uke, and his sons Son Jr. and Fred (both in their upper 90s) are still on the premises....
by SueG5123
Mon Jul 15, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 6678

Re: Anyone buy the Nissan Rogue over the Honda CRV???

Traded in my 2005 Honda CRV in 2012 for a new Nissan Rogue, which I’m still driving. Loved my long association with Honda, and the CRV was a good vehicle. But I love my Rogue and plan to only consider another in my next car purchase.
by SueG5123
Tue Jun 25, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 18639

Re: what was your worst major purchase? mine is a 2019 mazda3

Worst purchase ever: 1978 Chevy Monday, bought new when I was a struggling student. The apex of horrible cars from Detroit. The other worst purchase: Fender American Strat. It was a good instrument, just the wrong instrument for me. My own bad judgment. Too bad you didn't keep that 1978 Chevy Monda...
by SueG5123
Mon Jun 24, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 18639

Re: what was your worst major purchase? mine is a 2019 mazda3

Worst purchase ever: 1978 Chevy Monday, bought new when I was a struggling student. The apex of horrible cars from Detroit.

The other worst purchase: Fender American Strat. It was a good instrument, just the wrong instrument for me. My own bad judgment.
by SueG5123
Mon Jun 10, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 31
Views: 2788

Re: Luxembourg--worth visiting?

While meaning no disrespect to Luxembourg... we had a two day stay there a few years ago, as a part of a much longer land tour of Belgium-Netherlands, and we used it to rent a car and drive across the border to France and visit WWI sites. The cemetery at Meuse Argonne is really quite close and there...
by SueG5123
Sat Jun 01, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 149
Views: 24214

Re: Trader Joe's Fans - good value?

For any oenophiles... a plug for the Pontificus wine at TJ’s. It replicates an excellent Cotes du Rhône in every way but price!
by SueG5123
Fri May 31, 2019 6:32 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6648

Re: Women, How Much Do You Pay for Haircut

I have curly hair and I live near Houston — so almost every day is a “bad hair day” in this climate. I go to the salon for a haircut every month, and once every three months for highlights. (If it we’re up to me, I’d wear the gray proudly, but DH prefers other.) I’ve spent most of my life getting mo...
by SueG5123
Mon May 20, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: If you liked “They Shall Not Grow Old” - “Cold Blue” coming May 23
Replies: 13
Views: 2079

Re: If you liked “They Shall Not Grow Old” - “Cold Blue” coming May 23

I have gotten my tickets (and alerts for such specialty showings as this one) through Fathom events. It’s also quite nice to go see reissued classics on the big screen, too: Ben Hur took my breath away last month, even though I’d seen it repeatedly on TV, it was a whole new movie on the big screen. ...
by SueG5123
Tue Apr 30, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2602

Re: Car insurance shopping - worth leaving USAA?

I switched from UsAA to GEICO in December 2018. USAA’s prices for 2012 & 2013 vehicles driven 5k or fewer miles yearly by two retired officers were outrageous. Saved $300 with GEICO. I’ve already priced out the next insurance period, and USAA is still over $300 more, for no apparent reason. I’ve bee...
by SueG5123
Mon Apr 29, 2019 11:02 pm
Forum: Personal Investments
Topic: EE Bonds in Joint Living Revocable Trust
Replies: 7
Views: 656

Re: EE Bonds in Joint Living Revocable Trust

I was going to ask SueGS why she didn't redeem her paper bonds at a local bank. Apparently, she had a common problem in that many banks make it very difficult to redeem savings bonds. And yes one can always mail the paper bonds to Treasury Retail Division to redeem. But it is more work than a lot o...
by SueG5123
Mon Apr 29, 2019 6:31 am
Forum: Personal Investments
Topic: EE Bonds in Joint Living Revocable Trust
Replies: 7
Views: 656

Re: EE Bonds in Joint Living Revocable Trust

My experience (with paper EE bonds) has been that redemption involved downloading the appropriate redemption form from the Treasury Direct web site, filling out the info and getting the requisite certifying signature on it, then mailing (yes, real mail) with the bonds to the address proscribed. Viol...
by SueG5123
Sat Apr 20, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2587

Re: River cruise, Avignon to Lyon, France

We’ve done this same cruise with Viking twice now, really enjoyed. Both times, we flew into Lyon, very nice airport.

Enjoy the cruise! We liked it so much we did it a second time.
by SueG5123
Sat Apr 13, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Better banking than USAA
Replies: 10
Views: 1717

Re: Better banking than USAA

Another USAA refugee here... recommend NFCU. They just opened a physical branch near us, but even if they hadn’t, they still have my vote....
by SueG5123
Tue Apr 09, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 149
Views: 24214

Re: Trader Joe's Fans - good value?

The Cotes du Rhône wine knock off — Pontificus. At $6.99 a bottle, it is an absolute steal.
by SueG5123
Wed Mar 27, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Buying Concert Tickets
Replies: 20
Views: 1031

Re: Buying Concert Tickets

My experience is that it best to buy when you find the seats you want for the price you are willing to pay. No snark intended — I just haven’t seen much last minute price changing on the venues you cited. I have used StubHub, Ticketmaster, and another I can’t remember right now. Little difference am...
by SueG5123
Thu Mar 21, 2019 12:11 am
Forum: Personal Consumer Issues
Topic: Travel Insurance
Replies: 14
Views: 1076

Re: Travel Insurance

We both have elderly parents, one in fragile health, so we routinely purchase travel insurance through USAA (they farm it out to another firm).
by SueG5123
Fri Mar 15, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: 2 days in New York City
Replies: 57
Views: 4743

Re: 2 days in New York City

Cranston is brilliant in Network. The rest of the show didn’t seem to work, even though I loved the movie it was based on. There was no attempt to situate the show in the contemporary era, so it is 1976-trapped-in-amber. Eerily prescient but feeling dated. For my money, the best musical currently ru...
by SueG5123
Fri Mar 08, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8870

Re: attacked by off-leash dog

Rather than pepper spray, which I regard as very “hit or miss” when used against dogs, I would recommend a small air horn, such as are available at sporting goods stores. A charging dog will be stopped and startled by an air horn. Of course, depending on the individual dog, it may not permanently di...
by SueG5123
Sun Mar 03, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Red Wine question
Replies: 29
Views: 3361

Re: Red Wine question

Open That Bottle Night, the last night in February, was so-designated by Wall Street Journal wine columnists Dorothy Gaiter and John Beecher during their tenure with the WSJ. They have since retired, but I continue to follow Dorothy’s wine columns online. This year for OTBN, we had a recent prize, n...
by SueG5123
Wed Feb 27, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 5046

Re: Things to do in Indiana

In Indianapolis, there is a tribute monument to the USS Indianapolis that commemorates the loss of the ship in WWII. A real not-to-miss.
by SueG5123
Wed Feb 20, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 12344

Re: More Bad News for USAA Bank

From The Houston Chronicle this morning, federal regulators have taken action against USAA Federal Savings Bank for “engaging in unsafe or unsound banking practices.” USAA seems to be violating the trust with its clientele. As an officer I've had great service and pricing from USAA. They get an und...
by SueG5123
Mon Feb 18, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 12344

Re: More Bad News for USAA Bank

Love reading all the testaments of loyalty to USAA. I was there, baby: 40 years association, deeply entwined with banking-home loan-insurances-mutual funds-retail services. Then I noticed that customer service was crap and the rates were exorbitant. Got tired of USAA hiking my auto insurance thru th...
by SueG5123
Sat Feb 16, 2019 7:36 am
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 12344

More Bad News for USAA Bank

From The Houston Chronicle this morning, federal regulators have taken action against USAA Federal Savings Bank for “engaging in unsafe or unsound banking practices.”

USAA seems to be violating the trust with its clientele.
by SueG5123
Sun Feb 03, 2019 7:55 am
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 105
Views: 14704

Re: Ally Bank's nightmarish online reviews -- should I be worried?

Happy with Ally. Much better than Cap One.
by SueG5123
Thu Jan 31, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 162
Views: 13660

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

I’m retired and live in a comfortable suburb. Two years ago, we put in a doggy door, because we adopted an older beagle who just wanted easy access to outside. BEST THING WE EVER DID. The doggy door is not only great for Hershey’s comings and go7bgs, but it gives us the latitude to make day trips. W...
by SueG5123
Tue Jan 15, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 32443

Re: Funniest movies of all time? Name five of your favorites...

Young Frankenstein
Airplane
Return of the Pink Panther (Sellers)
Victor/Victoria
by SueG5123
Mon Jan 14, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation, any recommendations?
Replies: 39
Views: 4335

Re: Hawaii vacation, any recommendations?

Oahu: take the tour of Kamaka ukuleles, free and fascinating. Golf?—superb courses. Hike Diamondhead. Fort Derussey museum and beach. North Shore. I find lots of great things about Oahu!
by SueG5123
Sat Jan 12, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - streaming on HBO]
Replies: 94
Views: 13446

Re: Impressive film in theater Dec 17 and 27 only

Fabulous movie by Peter Jackson. I believe Fathom Events is running it again in various venues on January 21st.
by SueG5123
Mon Jan 07, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: world war one research
Replies: 7
Views: 775

Re: world war one research

Another idea: the research library at the national World War 1 memorial in Kansas City, MO, was VITAL to our research into DH’s great uncle’s military experience. People there are very kind and helpful, and you will access to many papers and books not available through other sources. For example, so...
by SueG5123
Mon Jan 07, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: world war one research
Replies: 7
Views: 775

Re: world war one research

If your family member was killed in the Great War and is/may be buried in one of the overseas US cemeteries, you can go to the American Battlefield Monuments Commission web site and it will identify the cemetery and plot for you. We just spent a week visiting the cemetery at Meuse Argonne and attend...
by SueG5123
Sat Jan 05, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: USAA apology letter?
Replies: 42
Views: 7232

Re: USAA apology letter?

I got my letter too -- and then, yesterday, in The Houston Chronicle, there was a story about USAA paying approx. $15M (over $3M in fines) to settle complaints about abusive banking practices that hurt military members. Accounts that would be closed by the member and then mysteriously reopened with ...