Making Changes in Life

Today I met with my stockbroker. I have used her for 25 years and I have liked her. My problem is she has an assistant who is not always accurate. I find at this time the assistant will no longer answer my questions. As a result my broker has suggested that she has no other assitant, and I should interview another broker. It seems she is willing to lose a customer rather than replace her inaccurate assitant.

I will do my homework to find an alternative. I will write to her manager to explain why I am forced to make a change. Sometimes life has surprises. Move on!

Fancy Nancy says, Document your complaints for future reference! Then you have some proof to protect yourself

New Information About Real Estate

Last week I researched an investment condo. I did a lot of homework and soon learned that it is not the price of the condo that is expensive, it is the closing costs, interest expense, and condo fees that add up. As a result, I decided not to bid since the costs were too high.

The research was time consuming, but I learned lots of things. I interviewed a real estate lawyer, and he was not for me. Instead of protecting the client, he was only protecting himself. He gave me very poor advice, and I quickly told him that we could never work together. He asked for an outrageous fee for a P and S ( Purchase and Sale Agreement). In fact there is no required amount by law and any amount would work. The money would go into his escrow account with no interest. I have a valid real estate license , and I am glad that I know the law. There are a lot of scams in real estate even right now.

Fancy Nancy says: Do your homework before you buy! Research pays off.

Getting Ready to Relocate

We only have a few weeks left before we relocate to Rhode Island. I have been trying to handle some business items. I find that you really have to keep your own good records since often the banks do make errors.

Yesterday I was at a different bank and when I asked for a total amount that I had in the bank, they gave me the wrong figures. Today I called them and checked with a different person, and it was correct.

This is the second Florida bank that was inaccurate. It seems that the representatives do not have the total figures for accounts online. Once they are required to add the amounts even with a calculator, they make errors. You , the customer have to then prove they are wrong. As a result , you become your best representative. You must have proof for them to correct your records.

Perhaps the banks should pay us for training their staff.

Fancy Nancy Sees a New Career Training Inaccurate Bankers!

A Nice Day Trip to Sarasota

Today we took a ride to Sarasota. Marty used to live there so he told me about all the changes in the area. It takes two hours each way from Naples to Sarasota.

Tomorrow I have a busy schedule and I am glad to be feeling better after the dental surgery. The best part was the IV sedation. It was much easier on the patient for an extraction being put out.

Fancy Nancy is Feeling Better!

Warm Weather, A Swim and An Interesting New Place

Today I enjoyed taking a swim. Due to recuperation from surgery,I had not been exercising. Today I felt okay and enjoyed our lovely condo pool.

This evening we took a ride to Marco Island and discovered a lovely develpment overlooking the water. There was a charming walkway with fabulous boats nearby, and we even enjoyed a treat at Starbucks. A fun discovery.

One more class this week, and then my teaching in Florida is over. I have to turn in my course proposals for next year. I meet lots of interesting people in my classes.

Fancy Nancy is Feeling Better. Thank Goodness!

Thank Goodness The Tooth is Gone!

I had an excellent surgeon remove my tooth in a new way for me. He used an IV and I was not awake during the extraction. When I woke up an hour later , the tooth was gone. Once the tooth was out the pain started to leave me as well.

I really liked having the IV since it was much easier on me. I will have to see if they do this in Rhode Island as well. Since I will need more surgery, I will to search for a Rhode Island dentist who does the same procedure .

Last night I was even able to go to a movie. A tooth problem can really interupt your activities. When you are in pain, all you want is relief. I am again a Happy Fancy Nancy.

Fancy Nancy says, Try to Find Pain Free Dentistry.

The Golden Tooth Award

My friend just wrote to me. She suggested I get the Golden Tooth Award. I agree! Tomorrow at 8am I am having dental surgery. They will extract either one or two teeth. I have no choice since I am in pain and I have an abcess in one tooth. My teeth will be my undoing. I am my dentist's pension plan. I hope the surgery goes well, and they have to give me general anaesthesia since the procedure means drilling through a dental bridge. Not fun for Fancy Nancy.

Good Luck Nancy with Dental Surgery!

Tough Dental Day for Fancy Nancy

My tooth is killing me so today I saw two dentists, and I have an abcess in the tooth. Tomorrow I am booked for dental surgery. Not a fun time and I am on an antibiotic and advil for the pain.

My teeth has never been easy. They are been a problem all my life. I have tried to care for them , but it seems they are always a problem. Tomorrow the surgeon will operate and remove the bad tooth.

This is not fun for Fancy Nancy.

Fancy Nancy Has A Major Tooth Problem! Not Fun!

A Rainy Fun Day In Naples

Today I had to return some books to a library at a church where I used to teach. I found two good books and then I went to the church service. They were having a day to celebrate women. The church has a huge, beautiful organ, and I enjoyed watching the service.

After the service I was leaving and a very nice lady came over to me and told me I had forgotten my umbrella. She also told me about a free discussion program on Sunday mornings. If it rains another Sunday, I might attend the discussion group and learn what they talk about.

At noon I picked up my friend and we went out to lunch. We discussed a new idea that I had about forming an investment group. She said she would be interested. I had done this in the past and we had 25 women in Rhode Island in an investment group. I may set one up next season in Naples. It is very valuable for women to learn about money.

My program that I did with the bank on Friday was a huge success. The lunch was great , and the speakers were excellent. I was one of the speakers, but I learned from the other speakers as well. The one thing that I did learn was one should not carry a checkbook in your pocketbook. As a result, I took my checkbook out of my pocketbook, and I now keep it in my house.

Fancy Nancy says, " You can always learn something new from someone else-just listen"

Women and Finance Program a Huge Success!

Today I presented the program I have been working on for the bank. There were 22 guests and 17 were women. The other 5 were bank representatives.

We had a delicious hot salmon lunch and then there were three speakers. I was one of the speakers. I talked on Long Term Health Care and why it makes sense for peace of mind. There were two other speakers and all the topics were focused on women and their special needs.

I was the moderator and I loved the job. I selected the guests, picked the menu, organized the program . The bank paid the bill for the delicious lunch and gifts for each guest. What a fun job this was.


Fancy Nancy Loves Doing Programs that Educate Guests!

Banks Need to Teach Staff to Work Together

Today I learned from a Rhode Island bank that they now are going to charge $15 service fee on checking accounts. Since I only have a small account, that does not make sense. I called them and they said I could have a free account over the phone. Then they said I had to fill out more papers and I could not do it over the phone. Finally, I faxed them to close the small account.

It seems the the staff does not always agree on the rules and they do not all work together. One person does not know what the other person is telling the customer. It pays to deal with the top person, and even then the rules are changing every day. It is no wonder that accounts have errors and the customer gets frustrated .

Fancy Nancy Thinks Banks Need Lots of Help to Solidify the Rules!

Banking Appointment Was Very Productive

I had a 90 minute appointment with the bank President. It was excellent ! It gave me an opportunity to review what worked and what did not work in my 25 years of using this bank. The President has only been with the bank 10 years, so he needed to review some of the procedures that the banks uses. I shared with him a very simple monthly statement produced by a different bank in hopes that it would show him what I need for my accounts. The form I shared included all the details on only one page so that the customer would immediately know what is in the accounts with the bank. Hopefully, they will be able to produce something similar for the customer.

I just received a nice invitation to join the President and his wife for a dinner . I accepted. This is the first time that this bank has offered anything in 25 years. It seems that banks need to do something to show customer appreciation. I proposed three programs, and if they wish to hire me, I would run them. Time will tell.


Progress takes work and time. Today I made headway at the bank!

Sunday Storm with Lots of Rain

Today we had thunderstorms with lots of rain. We were booked for a lunch meeting, but due to the downpour we called and cancelled. It finally cleared later in the afternoon, so we did some errands.

Tomorrow I will meet with the President of another bank that I use to discuss my account errors and a program I am proposing. Time will tell what happens.

Teaching is winding down. I only have one class in writing that ends April 28th. Then it is time to start to relocate to Rhode Island. It has been a busy season in Florida with teaching . I have enjoyed it, even though the weather this season has been rough. I was so busy I did not have time to notice the cold, rainy weather.

Fancy Nancy Has a Relaxing Sunday.

Bank Meeting on Monday

This will be an interesting bank week. On Monday,I will meet with the President of one Florida bank and then on Friday, I am the moderator of a bank program for a different Florida bank. The Friday bank just told me that one of the planned speakers cancelled, so they want me to be a speaker. I agreed. Why not!

I am reading a fun book about a gal who followed the Oprah show for a year and did what Oprah told the audience. It reminds me of the Julia and Jules book and movie.

I am enjoying my blog and I really like it when I get comments after each blog. My daughter Lynn has been great about writing her comments daily. I love to read what she says . I encourage others to write comments it is fun to read them. I already have 2045 hits on the blog and I started it last August or Sept. I find it is fun.

My teaching is winding down now, and I am already getting booked in Rhode Island for my teaching at two places this summer. I do enjoy the work and I meet lovely new students.


Fancy Nancy Enjoys Reading Comments on her blog! Thanks!

New Bank Meeting with the President

I will be meeting with the President of another bank on Monday. My account was missing some money, so last Friday, I tried to get it corrected. I spent three hours and they said it was corrected, but I have not yet gotten the proof in an account statement.

As a result I have contacted the President of the bank and he will meet with me Monday morning to review my banking problems. At that time I will submit two proposals for programs I will suggest for the fall. I will want the bank to hire me to run these programs just like I have been hired by a different bank to run a luncheon on April 16th.

It seems that the banks need help and I feel that I can see their needs and create programs to solve their problems. I have worked in Rhode Island for many banks running speaking problems and training speakers for seminars. Now it is time to address the needs of some Florida banks. Time will tell!

Fancy Nancy is on to some New Career Goals! Bank on Her!

A Busy Day Today

Well thank goodness my taxes were completed today. I always feel like I graduated college or passed a course when they are filed. It is a job to get them done each year.

After finishing my taxes, I had a meeting with the bank for the seminar I will be running April 16th. I think it will be a hit and we hope to run more programs after this first one. It is nice to see an idea become a reality.

My student Alec finished his work today and my tutoring will end for now. I have enjoyed teaching him.

My computer was broken so after work I ran to the battery store and they had to give me another brand new battery since I just bought one two days ago.

By the time I got home it was 5pm and I was in need of a nice nap . Tonight I stayed home and caught up with paperwork and computer work.

The Florida weather is getting hotter, and I am cutting back on my work schedule so I can enjoy some swims, tennis ,and other fun activities.

Fancy Nancy Has a Busy Productive Day!

Happy Easter

Today I went to enjoy a lovely church service at a church where I used to hold my writing classes. It is interesting to attend a service in a new location and enjoy the music , the flowers, and the choir. They have a magnificent organ in the church, and they also had an ensemble of horn players as part of the service.

The people were very friendly. I did not stay for the whole service, but I enjoyed what I saw. Today is a lovely Florida day. Marty is busy trying to clean out the patio, and perhaps later we will go down and have a drink at the beach. We don't go down there very often, but it is lovely to have it right nearby. This week I hope to file my taxes.

Facebook is fun. I just hear from Cesar who bought my first condo from me. He lives in Brazil, and he found me on Facebook. He had me tutor a lawyer friend who came to Naples. It was a fun job teaching him English.

Fancy Nancy Enjoys Easter and Likes Facebook as Well!

Tennis and Theatre

Today was a beautiful sunny Florida day. Fancy Nancy enjoyed morning mixed doubles tennis. At night she and Marty saw the wonderful musical Fiddler on the Roof. The production was very well done. It did last a full three hours , but the cast did a great job. We sat in the front row, so we actually felt like we were nearly part of the cast.

We could see the orchestra pit, and the orchestra leader was clearly visible. The price was very reasonable for the show, only $35 per ticket. It was well worth the price.

Fancy Nancy Enjoyed Tennis and A Wonderful Show!

Fancy Nancy Corrects Bank Errors

This afternoon I went to the bank and when I asked to see the balance in my account, I was missing money. After spening three hours at two of the branches of the bank, I discovered that the bank had put the money in a different account and as a result there were two accounts for me.

I told them to link the accounts so that in the future I could see the full picture of the account. It seems that you really have to examine your accounts since everything today is on computer. If you don't pay attention sometimes they place the money in the wrong account.

Fancy Nancy Corrects Bank Errors! Caveat Emptor