We are Ray and Kelli, counselors at City. Saving at Target. Kindness personified. Saving money. Homeless Solutions. Highest paying jobs. Giving away millions. Helping the Homeless. Kindness. 300K Lotto win. Job pensions. Job perks. Used cars. Military animals honored.

The veterans page: Costs of war. Saluting a fallen soldier. 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.

Sunday, April 9, 2017

Save at Target

If you shop at Target, there are some particular ways to save every time you go. One of these is that wall-facing endcaps often have discounted items, so check these before the main aisles. 10 Easy Tricks to Save Even More Money at Target appeared on MSN Lifestyle.

Saturday, April 8, 2017

Kindness Personified

Two years ago, Eugene Yoon quit his job to help a paralyzed stranger named Arthur Renowitzky to walk again. Now he is helping a family in poverty sustain themselves in dignity. Man Proves, Once Again, That Kindness Can Be A Calling appeared in MSN News.


Broke to Rich

CNBC reporter Kathleen Elkins saved over $1000 in two months. Find out how in 6 Smart Ways to Save Your Money.

Tom Corley has researched millionaires and he suggests adopting 5 habits to improve your finances. 5 Things To Do In 2017 If You Want to Get Rich appeared on CNBC

Saturday, April 1, 2017

Homeless Solutions

"Bravo to them for being bold. Let's not just take tiny nibbles at this problem but try to get to the heart of it." -- Steve Russell, executive director of the San Diego Housing Federation on Father Joe's plan to help the homeless. Solution for Tented Homeless? $531 Million for 2000 Homes Proposed by Father Joe's appeared in the San Diego Union Tribune on March 30, 2017.


“They gave us a chance and let us in, they saw hope in us. It felt unbelievable to think there was someone who had hope for us.” -- Robert Zendejas, on receiving help for his homeless family. Chula Vista Homeless Get Day to Reconnect With Community was published in the San Diego Union Tribune on March 28, 2017.


Veteran Tells About The Costs of War

Stuart Hunt is a veteran of WWII and the Korean War, so he knows better than most people about the costs of war. In this video, he reminds us all about the consequences of going to war. The video is brought to you by the San Diego Union Tribune.

Wednesday, March 29, 2017

Saluting Fallen Soldier

Kenneth Varnes paid his respects to a fallen soldier by pulling off the road and saluting the funeral procession in the rain. He felt a duty because of the military brotherhood. The video appeared on MSN.  

Tuesday, March 28, 2017

Jobs That Pay The Most

I know money isn't everything, but for many students, it's an important factor in the career decision. Here are the 25 Careers With the Highest Pay. You will see a lot of engineers on this list, but the medical field is also well represented with Nurse Practitioner, Physician's Assistant, Pharmacist, Dentist, and Doctor on the list from MSN Money.

Monday, March 27, 2017

Giving Millions to Science

Ever wonder why philanthropists give away their money? Why does someone give millions of dollars to a scientific cause? appeared in the San Diego Union Tribune on March 25, 2017.  

Helping the Homeless

I take my hat off to Padres Managing Partner, Peter Seidler, for working toward real solutions to San Diego's homeless problem. In Padres' Seidler Fuels New Push on Homelessness -- by Day and Dark of Night, Seidler is heading a group looking into Arizona's innovative program to help their homeless population with an eye toward bringing the solution to San Diego. The article appeared in the San Diego Union Tribune on March 18, 2017.

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.