We are Ray and Kelli, counselors at City. Kindness. 300K Lotto win. Job pensions. Job perks. Used cars. Military animals honored. Chelsea's Run. Financial wellness workshops. Student Concerns. Organized resistance. Homeless students. Protecting Koi fish. Scholarship. CSU protects students. 15 Ways to Save.

The veterans page: 300K Lotto winner. Vets and painkillers. Vet resources. Grandmother of veteran's family deported. Housing the homeless. Veteran finds healing through adopting a cat. Wounded Marines help others. Video: Soldier and dog greet each other after 6 months apart. Happy Veterans Day! Helping make a Marine's dream come true. GI Bill. Friendship. Faith and PTSD. Bell tower at Miramar Cemetery. Shelter to Soldiers. Homes For Our Troops.

Memorable quote: "What you are looking for is not out there . . . It's in you." -- Quoteslife101.net.

Saturday, March 25, 2017


Ever wonder how people got their start in business? Avi Loren Fox got a push when a friend bought a used scarf for her from a thrift store, and Fox turned that generosity into a company called Wild Mantle.

21 People Reveal the Random Acts of Kindness That Changed Their Lives appeared on MSN Lifestyle.

94-Year-Old Veteran Wins 300K in Lottery

You often read stories of people winning the Lotto. Not many involve a 94-year-old World War II veteran. The following quote tells me he isn't going to blow it all in a casino: “I’m pretty frugal. I always shop sales and take care of my money and that won’t change. The only thing that will change is I won’t have as much stress in my life worrying about money." -- Ervin Smolinski, on winning $300,000 on his 94th birthday.

World War II Veteran Gets $300,000 Winning Lottery Ticket For His 94th Birthday appeared on MSN News.

Jobs With Pensions

Looking for a job with a retirement pension instead of a 401K?
8 Jobs That Still Come With a Pension appeared on MSN Money.

Jobs with Perks

If you have to work a job to help pay for school, why not pick a company that offers more than a paycheck? Insiders Reveal On-The-Job Perks from Starbucks and More appeared on MSN Money.

Saturday, March 11, 2017

Consumer Reports Used Cars

The April 2017 car issue of Consumer Reports is out, and I'm listing their used car recommendations for the $5000 to $10,000 category here. I'm using this category because it is the least expensive and most college students don't have a huge amount of money to spend on a car. These recommendations are based on the magazine's tests of the cars when they were new and their above average reliability. Electronic Stability Control (ESC) is a crucial safety feature and it is included in the ratings as the first year it was available as an option and the first year it was a standard feature on the model.

Category $5k to $10K price range

Used Subcompact:
Honda Fit 2007 to 2011                 Optional ESC 2009, Standard ESC 2011

Used Compact:
Pontiac Vibe 2007 to 2010             Optional ESC 2007, Standard ESC 2009
Toyota Corolla 2007 to 2011          Optional ESC 2007, Standard ESC 2010
Toyota Matrix 2007, 2008, 2010    Optional ESC 2007, Standard ESC 2010
Toyota Prius 2007 to 2009              Optional ESC 2007, Standard ESC 2010

Used Midsized and Large Sedans:
Honda Accord 2007                        Optional ESC 2007, Standard ESC 2008
Toyota Camry 2007 to 2008           Optional ESC 2007, Standard ESC 2010R

Researching Cars:




Used car loans:

San Diego County Credit Union
Pacific Marine Credit Union

CA Coast Credit Union

Selling your used vehicle:

Carmax will make you an offer good for seven days on your vehicle. You won't get as much as selling it yourself but it's a lot less hassle.

Sell it yourself on Auto Trader.

Recognizing heroic military animals

Animals have demonstrated bravery in military conflict and there's a way to recognize them: The People's Dispensary for Sick Animals has an award for these courageous heroes. Above and Beyond -- The Bravest Military Animals Remembered appeared in MSN News.

Monday, March 6, 2017

Finishing Chelsea's Run

“This day is a reflection of the beauty that there is in the world and the hope and joy that the San Diego community has come out and embraced our family and foundation. For us it’s about choosing hope every time.” -- Kelly King, mother who lost her daughter, Chelsea King, to murder.

Friends, Strangers Finish Chelsea's 7th Annual Run appeared in the San Diego Union Tribune on March 4, 2017.


Vets and painkillers

“It had basically become my only coping mechanism” — on becoming addicted to painkillers, Camp Pendleton Marine, Jeremy Thomas.

Overprescribed: Veterans and the Painkiller Problem was published in the San Diego Union Tribune on March 2, 2017. 

Resource Help for Vets

"All of the community providers in San Diego were on their own systems and silos and unable to communicate with each other outside of phone calls and emails. Now, they are on a common system where they can connect the dots and send to each other simultaneously." -- San Diego United co-founder, Justice Taylor.

New Computer Network to Better Serve Veterans was published in the San Diego Union Tribune on Feb. 6, 2017.


Saturday, March 4, 2017

Grandmother of Military Family Deported

“She’s not a criminal. That’s where I’m at. I just feel that she’s definitely not in that category, and I think we got it wrong.” -- Lt. Col. Marie Pauley.

Grandmother, 'Backbone' of Veteran's Family, Sent Back to Mexico appeared in the San Diego Union Tribune on March 4, 2017.

Repaying Student Loans

The San Diego County Libraries have a series of Spring workshops, which include repaying student loans. These are free to the public! Here is the list of workshops, dates, times, and locations.

Student Concerns

"When you asked me what's on the mind of our students when they sit in their classrooms, it really gets to the issue of immigration." -- City College President Denise Whisenhunt.

College Leaders Voice Concerns About Trump Administration was published in the San Diego Union Tribune on March 1, 2017.

Homeless SD Students: 23,000

“The largest population of kids who are in our public schools and identified as homeless by the Department of Education are those who are doubled up, sharing places,” -- Michelle Lustig, director of Foster Youth Services, Coordinating Program and Homeless Education Services for the County Office of Education.

Homeless Students Reach Nearly 23,000 in County appeared in the San Diego Union Tribune on Feb 28, 2017.

Organized Resistance

"Most of us are motivated by a moral outrage at what's happening." -- Peter Brown.

Migrant Advocates Organizing Resistance was published in the San Diego Union Tribune on March 3, 2017.


A Drive to Protect

"Jerry has a very caring heart and he's a man of action. When he sees something wrong, it's like instead of cursing the darkness he lights a candle. He has unlimited energy and an unlimited desire to respond when someone needs help." -- Mike Poyner, Koi Club volunteer, on Jerry Myers.

Homeless Fish Find Shelter at Koi Show appeared in the San Diego Union Tribune on March 3, 2017.

Tuesday, February 28, 2017


Nordson Builds Scholarship
Nordson Corporation provides three categories of scholarships: Career & Technical, University Scholars, and Creating Equity in Industry. These manufacturing industry scholarships are targeted at individuals whose permanent residence or college is near a Nordson facility, and are pursuing majors in manufacturing, engineering-related STEM disciplines, or business leading to a career in industry and corporate America. Scholarships ranging from $2,000 to $10,000 will be awarded to students planning to enroll or already enrolled in an accredited public or private not-for-profit postsecondary institution.
Deadline: May 15, 2017

Friday, February 24, 2017

Protecting CSU Students

What can students threatened with deportation at California State Universities do if they are approached by immigration officials? The Chancellor of the CSU system says to call the campus police, who will provide the students with resources for help. The campus police will not take part in deportation efforts as the CSU colleges work to protect their students.

CSU Chancellor Advises Students Contacted by Immigration Officials to Call Campus Police appeared in the Long Beach Press Telegram.

Wednesday, February 22, 2017

15 Ways to Save

These 15 tips to save are sound: Buy used (or pre-owned if that sounds better to you), especially when it comes to a car. Buy in bulk (this is why Costco is always busy). And make a list when you shop to keep yourself from bringing home that frivolous accent table or sheepskin mittens you have no use for. 15 Golden Rules for Saving on Every Purchase appeared on MSN Money.

Do you eat out a lot? It's costing you big-time. What about that gym membership you don't use? Drop it and see how much you save each month. I Learned 5 Ways to Be Better With My Money and I've Already Saved $400 appeared on CNBC.