Tag Archives: PenFed

Champagne Bucket trips, trip planning

In case you needed a reminder… Scandinavia is EXPENSIVE.

The featured photo was taken on a day cruise we took in Oslo, Norway, back in 2009.

It’s not so often that I travel blog during the work week. We have the pandemic to thank for that, as it made taking normal trips a lot more difficult for the past couple of years. In 2023, things are pretty much back in full swing. I expect Europe will be, once again, teeming with people this summer. In fact, I expect there will be more people than ever.

A week ago, we did a champagne bucket draw, and Finland won. That meant planning a trip that included a stop in Finland. I marvel at the changes our plans have undergone within about ten days. We went from planning a Helsinki based trip that would include land based stops in the Baltic countries, to pulling the trigger on a luxury cruise, with a week in Norway beforehand.

When you see the words “luxury cruise” in my blog post, of course it goes without saying that this trip is going to be pricey. We are going to sail on Regent Seven Seas’ newest completed ship, Splendor, in June. An even newer ship, Grandeur, will be sailing this year, but I don’t think she’s had her maiden voyage yet. So, as of this writing, Splendor, which was built in 2020, is Regent’s newest. This will also be the newest ship we’ve ever sailed on, as we usually opt for either SeaDream or Hebridean Island Cruises, both of which offer luxury on much smaller and older vessels.

One of many Regent Splendor cruise ship tour videos on YouTube.

I chose this particular cruise on Regent mostly because of the itinerary, which includes a stop in Helsinki, as well as most of the Baltic locations we wanted to visit, along with a couple of other stops. It’s not our first Baltic cruise, though.

Our very first cruise was on Royal Caribbean’s Vision of the Seas, back in 2009, and that was also a Baltic cruise. It was only four nights, and included stops in Tallin, Estonia and Copenhagen, Denmark, with embarkation in Oslo, Norway, and debarkation in Stockholm, Sweden. On that trip, we spent a couple of nights in Oslo, which we both really enjoyed. The cruise was loaded with Norwegians, and we found that we really enjoyed their joie de vivre. 😉 Later, we encountered a friendly bunch of them on our second SeaDream cruise and vowed we’d visit Norway again. So that’s why we’re doing a week in Norway, too… and staying longer, so we can see more of Norway than just the city of Oslo. Below are a few photos from our cruise from Norway to Sweden in 2009… As you can see, I need to take more photos of beautiful Norway, at the very least! That was before I had an iPhone.

When I saw Regent’s June 23 Stockholm to Copenhagen cruise, I knew it was a no brainer to book it, because I was finding it very difficult to plan a land based trip including Finland and the Baltics… And yes, before anyone comes at me, I know there’s a large body of water we’d have to cross to get to the Baltics. I was planning a few days in Finland, then a ferry ride to Tallin, where I naively thought we could arrange train travel or maybe rent a car or something… At this writing, a train route is being constructed to make that vision come to fruition in the future. As of now, though, it’s just not convenient. 😉 I also realized Bill wouldn’t want to be driving so much, and I wouldn’t want to be flying so much.

The cruise solution was simply more practical, and it was available during the time we wanted to travel. And– we had the money to pay for it, thanks to a big tax refund. Even better was the fact that the sailing I found was on sale… which was a damned good thing. In fact, I should have waited another week, because the price went down again, and it was quite a significant drop! Some people would probably tell me to cancel and rebook, but I’ve already had lots of words with my bank. Oh well… you win some, you lose some.

Anyway… last night, we were trying to decide how long we wanted to stay in the places we’re visiting before the cruise, and how we wanted to travel to them. It didn’t take us long to decide to visit Bergen, which is a very beautiful city on Norway’s west coast that offers enchanting scenery, fresh seafood, and lots to do. However, from Oslo, it takes seven hours to drive there or take the train. We could also fly; that takes just an hour. But if we fly, we’ll miss the incredibly beautiful scenery on the way, and have to deal with everything that flying entails nowadays.

I thought maybe we’d drive and stop somewhere on the way, maybe do some exploration. Unfortunately, renting a car in Norway, especially for a one way trip with drop off in another city, is VERY expensive. Gas and food are also very expensive in Norway, plus there are tolls on the road we’d be using.

The route from Oslo to Bergen is also rather devoid of places to stay. There are a lot of apartments to rent, and a few hotels that are either in the middle of nowhere or have dodgy reviews. I wouldn’t mind renting an apartment, but I’d hate to do that for just an overnight. Most of the ones I found were pretty bare bones, too. I did manage to find several hotels that allowed me to book now and pay later, and can be canceled up to the day of arrival. Clarion Hotels for the win! They even have a hotel out in the middle of nowhere that I considered booking, but then I thought again.

Finally, I think we decided we’d just take the train… which means we now have to decide if we want to leave at 8:23AM or 12:05PM. The later trip is notably less expensive, but slower. I suspect we’ll go for the morning time, so we can get to Bergen in the afternoon. If we wanted to spend another night in Oslo, we could get a really (relatively) cheap train fare… but then we’d be paying for another night in Oslo, which is legitimately a nice city, but one we’ve already seen. It’s not a super pretty town, either, although I do remember enjoying the day cruise we took on the Oslo Fjord in 2009.

So, once I found a hotel that offers parking, in case we drive after all, I went to book plane tickets. A flight from Bergen to Stockholm takes one hour and twenty minutes. I found seats on SAS– Scandinavian Airlines (although when I hear SAS, it reminds me of a cursed statistics program I had to use in grad school). I tried to book with my PenFed card, but for some reason, PenFed refuses to send texts with codes to overseas phone numbers, nor will they send the confirmation codes to emails. So that means I can’t authorize charges through their stupid two factor authentication program.

I went to USAA, which did successfully send me a text. But, even though I entered all of my information, gave them a fingerprint, and tried to authorize the charge, they still declined it and blocked my card. At 10PM, I was calling USAA– for the second time in a week– to ask them to unblock my card and authorize payment, so we can get from Bergen to Stockholm. The lady I spoke to last night was very nice and professional, unlike the other person I talked to a few days ago, who was quite rude to me.

We finally got the plane tickets sorted, and now we just have to confirm where we’ll be sleeping for our night in Stockholm. I had wanted to stay longer in Stockholm, since we never really got to see the city when we were there in 2009, but that would have meant arranging for another night there. Our night in Stockholm is already included in our cruise fare, so adding another would mean going to another hotel or paying more to Regent. I think we’d prefer another night in Bergen, anyway.

All that’s left to do now is buy train tickets, or arrange for a car to get us from Oslo to Bergen. I’ve even mostly paid off the credit card companies. I paid off the deposit and Lufthansa tickets last week, which I booked through PenFed. Then, this morning, I accidentally paid USAA for the rest of the cruise fare. I had only meant to send them $1000 today, but ended up requesting to pay the whole bill. Luckily, there was enough money to pay for it. Thanks again to Bill’s decision to pay taxes all year and get a refund, we had the cash available. Edited to add: I just got us our train tickets… good thing, too, because the seats were already sold out, and I had to get us a compartment for six people instead. That was another $500. At least it’s changeable and refundable.

Living in Germany sure has been good for us…

But dammit… the fares went down 2,000 euros this week!!!!

Oh well. We’re sure to have a great time. I look forward to blogging about it, and experiencing new places on a different cruise line. I’ll be surprised if I’ll want to give up small ship cruising for Regent permanently, but we’ll see. I suspect that if I ever spot a hot deal like the one they’re offering right now for our cruise, I’ll want to jump on it. Especially if we have the money!

If you’re curious about what we’re in for on our journey from Oslo to Bergen, have a look at a couple of videos… I think it will be unforgettable.

Let’s hope for sunny weather!
Looks good!

And yes, I know we don’t have to spend this much money to have a good time… but I have definitely done my fair share of cheap traveling. It’s nice to have an upgraded experience, and I’m grateful we have the opportunity. We never thought the day would come.

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money

USAA inconveniences and disappoints me yet again. And PenFed is not much better.

Once again, I had to call USAA about my card. This time, it was my debit card, which I tried to use to purchase a couple of sweaters from Novica.com. Granted, it was more than I would usually spend on sweaters… about $350. Well, USAA immediately declined that charge, which led to my spending over an hour trying to find the right phone number to contact someone who could fix my issue.

When I finally did get someone on the phone, I was admittedly pretty annoyed. But to his credit, he did manage to correct the problem, even though now I don’t want to try to use my cards for fear of having to make another phone call. USAA used to send texts to my cell phone when a suspicious charge came up. That way, I could authorize charges without having to be inconvenienced. But I guess USAA doesn’t want to pay for international texts now… so that means a significant decline in their service level for their customers who are overseas. I tried to use USAA’s worthless bot on their site, which only directed me to general articles that weren’t very helpful at all.

I also noticed that they no longer call me Mrs. Instead, they use my given name, which always makes me cringe. It’s not that I want to be called Mrs., per se. It’s more that I think that if you don’t know what name a person normally goes by, you don’t know them well enough to address them by their first name. Using the honorific is also a sign of respect… although I imagine respect is becoming a foreign concept in some companies.

At least this time, I didn’t have to use my cell phone. Last week, I had to call on my cell, which will result in international roaming charges. I did call on the cell the first time I spoke to someone this morning– it was the number on the “urgent” email I got, which led to the credit card services office. I went through the whole security rigamarole, only to be told that the phone number I used– the one USAA put in their email to me– was for the wrong office. Since I was trying to use my debit card, they transferred me to checking. Of course, no one was working because it’s Saturday and, at the time of my call, it was very early in the morning in Texas.

Later on today, I will be calling PenFed, because I think they blocked my credit card last weekend as I was trying to book our upcoming trip. I managed to book two places before the block kicked in. I didn’t get an email from them, but they didn’t let me use the card at Novica, either, and it says in my account I have to call them for the “status” of my credit card… even though I’ve already almost paid off last week’s big charges for our trip. Unlike USAA, it appears that no one at PenFed works on Saturday until later. So that will be fun. I may be somewhat less pissed off by that time.

I really think these overzealous fraud protections are very bad for business. Now, I am reluctant to use my credit cards. Novica will miss out on a generous sale, until I am feeling more up to buying something… and that might not be anytime soon. I get that international calls are expensive, but if I don’t want to use my credit cards, that will cost USAA money, too. They should at least make it so people can take care of these issues online, without having to call across several time zones and sit in phone queues on the weekends.

It’s cold and cloudy today, and we have some things to take care of before we take our trip. I did manage to set up travel alerts, so MAYBE if I use the cards next week, they won’t get automatically declined. There is something to be said for using cash, even if a lot of businesses, even in Germany, are moving away from cash, thanks to COVID.

I don’t know if we’ll do anything today, besides some chores that need doing. Next week, there will be some action on the blog… I hope.

Just as I was about to close this post, I got an automated phone call from USAA to verify the transactions… if I had gotten that call before they shut off my card, this whole gripe could have been avoided. USAA really needs to step up its game. Their policies are inconvenient and annoying, especially for people overseas.

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money, trip planning

Trip planning and “lunner” at La Fonte…

Well, it’s finally all settled. Bill and I are going on vacation in about ten days. I wasted most of today planning our upcoming adventure to Austria, Slovenia, and Croatia. But it wasn’t without significant ass pain. Sorry, I know this is a first world problem. It’s just that sometimes it’s a pain in the butt to have American credit cards when you live in Europe.

The ass pain started when Bill let me know that the dogs are confirmed at the dog pension. In the past, we have taken our dogs with us on longer trips, but that was when we had Zane, who was a beagle. Noyzi is a big guy and needs a lot of room. Also, it’s just a lot easier traveling with one species. So, once we got the boys’ lodging confirmed, I went to work.

I knew I wanted to go to Plitvice Lakes in Croatia. That’s about eleven hours’ drive from Wiesbaden. I’ve been wanting to go there for ages, and it’s about the end of the vacation season. After November 1, things kind of go to sleep. I knew it would be a stretch to try to go to Plitvice without breaking up the trip. Bill had noticed Austria’s fair city of Graz, which does look really appealing. But that’s at least eight hours away without any traffic or stops, and we have to drop off the dogs before we set off, which we can’t do until about 9:00am. I knew we would get in super late, and Bill would be weird and tired if we tried to make Graz in one day.

So, I ended up booking up at a hotel in Wels, Austria. Or, at least I tried. I found a well regarded and highly rated place in Wels. I tried to book directly from the hotel’s Web site. It had a rather aggressive pop up system. But, as I was booking, I got sent to a site called Saferpay, which was supposed to make my card transaction “safer” somehow. It timed out or something. My reservation didn’t go through properly, and Bill had to book with his card.

Then, I went on Booking.com and booked a beautiful house in a village near Plitvice Lakes. I tried to use my USAA card for that booking and was immediately declined. PenFed let me book that place, and the next place, near Lake Bohinj in Slovenia. But when I tried to book our last place, in Salzburg, Austria, PenFed declined my charges, too.

In fairness, I don’t use my credit cards much. I once had a lot of credit card debt and paid it all off. I don’t want to get back into credit card debt again, so I usually use my debit card for everything. I use my credit cards mostly for big purchases and trips. Consequently, I often get these problems when I actually use credit, but USAA usually sends an alert to my phone, which allows me to accept or decline charges. This time, I got an email letting me know I had to call USAA… and it came about an hour after everything was settled. Bill and I were having a very late lunch, which I badly needed, because I was hungry and in a FOUL mood.

La Fonte is our neighborhood Italian restaurant, affiliated with the Sportsplatz. We’ve only eaten there a few times, mainly due to COVID. Today, we dined in, and we had to prove we were vaccinated. I still got a dirty look from another patron. He probably wondered why Americans were there, even though there are a number of Americans living in Breckenheim.

I ordered Montepulciano and Tortellini al Forno, which is with cream sauce, ham, and cheese. Bill ordered fettuccini with cream sauce and shrimp. The dish brought out to me was baked rigatoni with Bolognese sauce. We told the waitress, who apologized and brought out my correct order after about twenty minutes. I did taste Bill’s dish. Next time, I’m having what he had… not because mine wasn’t good, but because I liked what he had better.

  • Safety first.
  • This was so good. Next time, I’m having the fettuccini with shrimp.
  • Tortellini with ham and cream sauce… and lots of stretchy cheese.

I might have enjoyed dessert, but we were sitting in the outdoor area, which is next to the smoking section. They left the door to the smoking section open, so the smoke wafted into where we were sitting and clogged up my nose. Plus, as we were eating, I got that email from USAA, which really annoyed me. We paid about 43 euros for lunch, and I think we should come back to La Fonte more often. It really is a nice place, and they were doing a brisk business today. They don’t take a pause, either. We need to enjoy lunch there when I’m not preoccupied with my credit cards. Next time, we’ll sit inside the restaurant, away from the smokers.

When we got home, I took a quick shower and then Skyped USAA. I spent 40 worthless minutes waiting until the representative said I needed to call back on my cell phone. The whole time, I kept hearing the same insanity inducing hold “song”, which if you’re a musical person, like I am, is MADDENING.

After the woman told me she couldn’t help, I hung up with her and called on my cell phone. Supposedly, you can call collect if you’re overseas, but only if you’re on a landline. We don’t have a landline.

So I called… and this time, after about 8 minutes of waiting, I got someone much more competent. I explained what happened, and she removed the block. We don’t know why USAA reacted the way it did, and why they didn’t send me a text to allow me to confirm or deny the charges. But now that card, at least, is unblocked. As for PenFed, I’m not sure if that card is blocked. But it did allow me to book the bulk of our stay in the Balkans, so I’m happy enough with that.

I’m not calling them today, though. Now, I need a drink and some good music… And it’s time to plan all of the things we’re going to do, because I have a feeling we’re going to have a blast.

Lake Bohinj was suggested to us in May 2016 by several Slovenians, when we visited Lake Bled. I was overwhelmed by how many vacation homes there are there. It took forever to choose one, but I think I chose one that will make us happy for four nights.

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