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  1. Kayzmum

    Owner changing county zoning on property next door

    The property next door to us has been zoned for office use for about 20 years now. They were never able to develop it because they can't get access to the road because of the traffic. They are now trying to change it to a single family residential property. The county has requested the hold...
  2. Kayzmum

    Prescription medication and customs, US to Italy

    I checked the Travel.State.Gov website regarding medication prescriptions and customs. It instructs to not bring more than a 30 day supply and it is recommended that you bring a copy of the prescription. Can thus be correct? I’ve heard if bringing the original bottles to prove what you have...
  3. Kayzmum

    Cell phone plans in Europe

    Some friends and I are going on a 10-day trip to Europe to include Rome, Sicily, Greek Isles, Turkey and Greece. This will be in October, and it's my first trip abroad. I currently have T-Mobile and will upgrade to their best plan for travel but wondered if I would get a better cell signal or...
  4. Kayzmum

    Chase Bank Bonus Incentive

    I was checking out bank bonus incentives today since I have a Treasury Bill that matures today. When I compare that to current CD & treasury bill interest rates, it seems paltry. Chase is offering: $1,000 Bonus -- At least $150,000 in new money or securities $2,000 Bonus -- At least...
  5. Kayzmum

    Rent a house through VRBO?

    Has anyone ever rented a house through VRBO? If so, how was your experience? I'm looking for something to watch the total solar eclipse in April 2024. I'm mainly concerned the owner could cancel for some reason, like a friend or family member asked for the house or they realize they can get...
  6. Kayzmum

    Vanguard web site issues

    First, I had trouble signing in. It was asking for user name and password twice, meaning I would sign in and it took me to another sign in. Then I wasn't able to view CDs or treasury bonds when I went to "transact from my brokerage account. It will let me look at ETFs and mutual funds but not...
  7. Kayzmum

    Faxing from home

    I retired effective 07/01/22 and am loving it! I've run into a little glitch though. If I needed to fax a personal document, I would do it from work. Now that I'm at home, I'm at a loss how to send faxes, as we don't have a landline to hook to our printer. Any recommendations are appreciated.
  8. Kayzmum

    antibiotics before dental work

    Anyone need an antibiotic before dental work due to a history of joint replacements? Who writes your prescription? My husband's PCP has refilled it before but this time he denied the refill and said the dentist needs to write the prescription. I've worked in healthcare and have been told most...
  9. Kayzmum

    ClearPlus Delta Dental plan

    Has anyone had any dealings with this particular plan? It was recommended by the receptionist at my husband's endodontist office. She noticed I was experiencing sticker shock at the $2000 cost of a root canal. She said it would cover 50% and to make sure we got that plan and not to let Dental...
  10. Kayzmum

    eMoney "tracker"

    Anyone use eMoney software? I finished inputting all our data into eMoney and now I'm supposed to submit our "eMoney tracker". What the heck is the eMoney "tracker"? :facepalm: I've Googled and didn't find any info. Our planner said, "At the end of the tracker, after you go through each...
  11. Kayzmum

    Vanguard Rollover IRA Brokerage Account

    I rolled over my 401K to Vanguard and it was automatically put in a Rollover IRA Brokerage Account. I've spent the last 2 or 3 hours trying to figure out how to move it and allocate the assets. It looks like right now it's just sitting there dormant, like it's not invested at all. I hope it's...
  12. Kayzmum

    New Vanguard acct

    I opened up a Vanguard acct. I won a medical malpractice lawsuit, which is "not" taxable. I plan on having the attorney's bank wire my portion of the settlement directly in my Vanguard brokerage account, which I will then transfer later into conservative accounts, as I'm 63 and hope to retire...
  13. Kayzmum

    Healthcare Flexible Spending Account account - is it worth the hassle?

    I've spent about an hour this morning dealing with website sign-on issues and finding, organizing, scanning and uploading receipts. I've been wondering if it's worth it. Since I know ahead of time I'll meet my yearly deductible with my health insurance company, either way I'll pay the same...
  14. Kayzmum

    New financial planner

    Looking for a new financial advisor. I'm a complete newbie but have a very recently acquired large sum of money (at least it is to me) to invest. I was checking out NerdWallet. I thought all Fiduciary advisors were fee based only, not a percentage. I see Vanguard is 0.3%...
  15. Kayzmum

    10% employee discount on HCA stock

    I'm 62 years old and plan to retire at 65, which is 2-1/2 years from now. (my husband is already retired) I'm currently contributing 1% of after tax pay to purchase HCA (Health Corporation of Virginia) stock at a 10% employee discount. I'm thinking about increasing this to 5% for a while and...
  16. Kayzmum

    I've been a member for a while but not very active

    I'm a complete newbie and am soooo appreciative of this site. My husband was in an electrical union and they handled all his investing. I have a 401K and 403B and am getting organized to retire by 65. I'm 62. My husband is 71 and retired. I hope to learn a lot and help others in the...
  17. Kayzmum

    Embarrassing question

    I’m such a noob. I have a financial advisor now and he says 1.55% is the going rate and that’s what their fee would be for handling our IRA and 401K. Is this true. Any advice/comments are appreciated.
  18. Kayzmum

    Early SS benefits and extra income

    I'm a long-time lurker here mostly. I haven't posted much because I felt like there wasn't much I could contribute but did what I could. So many super smart people on this board, I can't wrap my brain around some of the calculations. I turned 60 on Feb 28th, working full time, and husband...
  19. Kayzmum

    BlackRock iShares

    Has anyone ever heard of this? Our financial advisor's office is having a speaker discuss the market and he's tied to BlackRock iShares. I Googled and this is the only thing I found. Is it risky? Is it worth my time to go...
  20. Kayzmum

    Met Life Annuity 4% guaranteed interest

    My husband bought a MetLife annuity/life insurance policy about 40 years ago that guarantees 4% interest. He's 69 and retired. I'm 59 and working full time and putting money into 401Ks and 403Bs. Since I'm getting close to retirement age, possibly at 62, I'm thinking about putting some of my...
  21. Kayzmum

    Financial adviser changing brokers

    Our accountant of 20 years referred us to his financial advisor. A couple of days ago my husband got a call this financial advisor's office informing him they are changing their broker dealer and are switching from Cetera to LPL Financial. I Googled and found nothing but complaints about LPL...
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