Search found 190 matches

by fpr4
Sun Jan 22, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Shopping for prescriptions
Replies: 11
Views: 1425

Re: Shopping for prescriptions

123 wrote:Costco drug pricing. Select the letter the drug name starts with:

https://www.costco.com/pharmacy/drug-di ... &langId=-1
$988.20 at costco.
by fpr4
Sun Jan 22, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Shopping for prescriptions
Replies: 11
Views: 1425

Re: Shopping for prescriptions

samsoes wrote:Try http://www.goodrx.com - you'll be amazed!
The non discount price I was quoted locally was $780 for 30 day supply. Goodrx is quoting $1,033.
by fpr4
Sun Jan 22, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Shopping for prescriptions
Replies: 11
Views: 1425

Shopping for prescriptions

Is there any way to shop for prescription drugs without simply calling around to pharmacies? I have a relatively high cost prescription and it is currently non-formulary on my insurance plan. My prescription deductible is also relatively high. I have been unable to find a legit drug cost database. N...
by fpr4
Sat Jan 14, 2017 3:52 pm
Forum: Personal Investments
Topic: Help with Personal Capital
Replies: 0
Views: 418

Help with Personal Capital

Personal Capital is counting my wife's Roth Contributions when it calculates Performance so it is throwing the percentage of actual growth off. For my Roth account, it shows my contributions as cash flow, instead of performance. We are both at Vanguard, so it shouldn't be an account issue. I know th...
by fpr4
Wed Jan 11, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: student loan with 6.375% interest rate
Replies: 4
Views: 650

student loan with 6.375% interest rate

My wife has a student loan with a balance of $16k with a 6.375% interest rate and monthly payment of $276. Not a huge balance or payment, but we have other financial priorities right now so we are not wanting to pay more than the min amount. Still, the montly interest payment of around $85 is annoyi...
by fpr4
Tue Jan 10, 2017 6:58 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Healthcare costs, tax advantages?
Replies: 8
Views: 1054

Re: 2016 Healthcare costs, tax advantages? Should I open an HSA?

Bob's not my name wrote:See https://www.bogleheads.org/wiki/High_de ... ealth_plan

Does your employer offer a HSA or Flexible Savings Account?
Nothing is offered thru my employer. Are individuals not eligible for an HSA?
by fpr4
Tue Jan 10, 2017 6:02 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Healthcare costs, tax advantages?
Replies: 8
Views: 1054

Re: 2016 Healthcare costs, tax advantages? Should I open an HSA?

Nate79 wrote:Do you have a health plan that is a HDHP that is HSA eligible? You can not just open an HSA without being a participant in an eligible HDHP.
How do I know if my health insurance is eligible? I have an anthem hmo plan thru the exchange with a deductible of $3500 and max oop of $5850.
by fpr4
Mon Jan 09, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Healthcare costs, tax advantages?
Replies: 8
Views: 1054

2016 Healthcare costs, tax advantages?

I have poor health insurance coverage, so I incurred $3,362.40 in doctors/hospital bills that I paid in 2016. This is about 4% of my household gross income, so I assume that I will not be able to take a deduction on my 2016 taxes. Is there anything I am missing as far as possible tax reduction for t...
by fpr4
Sun Jan 08, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 56
Views: 6319

Re: Help with paying off debt

I totally failed to mention that we have about 19k in cash. We had about 8k in the bank until we recently received a life insurance benefit from a family member that passed. I think what we have in our account will be kept as our EF. I opened a Roth Ira on vanguard for myself a few months ago but h...
by fpr4
Sat Jan 07, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 40111

Re: Annual Vacation Budget

Probably under $1,000 for a family of 4. Would love to do more, but other priorities right now.
by fpr4
Fri Dec 16, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 5739

Re: If and how to bring up inappropriate conduct of former boss?

This thread is a testament to how messed up corporate culture has become. You have a person in a management position acting in unethical ways and 90% of the responses about whistleblowing on that person are: "don't get involved, it's career suicide" or even remarkably "why are you bei...
by fpr4
Wed Dec 14, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to those who don't invest?
Replies: 70
Views: 6218

Re: What happens to those who don't invest?

Yup, Mom died with a negative estate (-$400,000) and Dad will punish me with having to shovel out two garages full of junk out of his girlfriend's house. Just curious... what happens to that debt? Assuming your Dad can't pay it, do the creditors just lose out on the $400,000? If the estate cannot c...
by fpr4
Wed Dec 14, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to those who don't invest?
Replies: 70
Views: 6218

Re: What happens to those who don't invest?

Remember that median household income is about $58,000. That is smack in the middle of the band we call middle class. A typical family having two children, daycare/education expenses, healthcare expenses, etc. just doesn't have enough money left to save. Such is the perfidious nature of retirement ...
by fpr4
Wed Dec 14, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to those who don't invest?
Replies: 70
Views: 6218

Re: What happens to those who don't invest?

Remember that median household income is about $58,000. That is smack in the middle of the band we call middle class. A typical family having two children, daycare/education expenses, healthcare expenses, etc. just doesn't have enough money left to save. Such is the perfidious nature of retirement ...
by fpr4
Sat Nov 12, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 110
Views: 243906

Re: Experience selling car to Carmax?

I recently sold a 2004 Ford Focus to Carmax. The car was worth about $2000, but needed over $1000 in repairs to the nonfunctional air conditioner. They gave me $1000, and I was happy with that. They quoted me both their appraiser's price and the KBB price and offered me whichever was higher, which ...
by fpr4
Sat Nov 12, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 27453

Re: Monthly grocery costs? How do you keep it low?

Just looking over some recent credit card bills and realized we are spending $600-700/month on groceries. We are a family of 4 and the majority of our meals are cooked at home, wife brings lunch to work but I usually eat out, kids get lunch at their daycare. Don't shop at a fancy supermarket and wh...
by fpr4
Sat Nov 12, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any ways to make employer health insurance "unaffordable"?
Replies: 11
Views: 3097

Re: Any ways to make employer health insurance "unaffordable"?

How do you have a $5k subsidy for 2016 on a bronze plan? There is no way you have a bronze plan that is $450 a month for a single individual plan.
by fpr4
Thu Nov 10, 2016 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: ACA prescription drug coverage appeal
Replies: 12
Views: 1676

Re: ACA prescription drug coverage appeal

"Patients enrolled in any government health care program are not eligible for the Lialda Direct Program (or the Lialda Pharmacy Savings Card Program). " I guess I need to call and see if an exchange insurance plan is considered a government health care program. Exchange insurance is priva...
by fpr4
Thu Nov 10, 2016 6:45 am
Forum: Personal Finance (Not Investing)
Topic: ACA prescription drug coverage appeal
Replies: 12
Views: 1676

Re: ACA prescription drug coverage appeal

"Patients enrolled in any government health care program are not eligible for the Lialda Direct Program (or the Lialda Pharmacy Savings Card Program). "

I guess I need to call and see if an exchange insurance plan is considered a government health care program.
by fpr4
Thu Nov 10, 2016 6:43 am
Forum: Personal Finance (Not Investing)
Topic: ACA prescription drug coverage appeal
Replies: 12
Views: 1676

Re: ACA prescription drug coverage appeal

Sometimes premium drugs can be obtained through drug company sponsored "patient assistance" programs. You might check with the pharmaceutical company about this. I have the savings program for this drug for 2016. I am looking at the card right now and if 2017 is anything like 2016, it wil...
by fpr4
Thu Nov 10, 2016 6:26 am
Forum: Personal Finance (Not Investing)
Topic: ACA prescription drug coverage appeal
Replies: 12
Views: 1676

ACA prescription drug coverage appeal

Does anyone know how to appeal prescription coverages? Should I call the insurance company directly? We basically have 1 choice for 2017 coverage and they don't want to provide coverage for any type of drug that I need (generic or name brand). If I don't have it, I basically can't eat. If I can't ge...
by fpr4
Wed Nov 09, 2016 6:43 am
Forum: Investing - Theory, News & General
Topic: US index
Replies: 8
Views: 1622

Re: US index

I was thinking exact opposite. When it bottoms out today, I was thinking of shifting a large portion of my portfolio to an S&P Index.

I'm joking (sort of).

If you sell today, you're gonna take a bath.
by fpr4
Fri Nov 04, 2016 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

We will pay BILLIONS to treat disease, but do almost nothing to change lifestyle to prevent such problems. Another way to phrase my previous point is that healthcare costs are self perpetuating. Medical advances are costly - this is not specific to futile end of life care - and the more you spend o...
by fpr4
Fri Nov 04, 2016 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

In my opinion, the whole US healtcare cost "crisis" has many aspects, some of which are purely political. Three of these (in my opinion) are: 1. The serious decline in "lifestyle" choices that lead to huge healthcare costs. Bad diets, overweight/obesity, sedentary liefestyle, et...
by fpr4
Fri Nov 04, 2016 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: ACA income shuffle
Replies: 33
Views: 5542

Re: ACA income shuffle

I guess this is what happens when the subsidy is determined only by income and not by assets. Things like the FAFSA and Medicaid are annoyingly complex, but at least they look at both of these two mostly fungible assets. Part of me (the cynical side) is starting to think that it was intentional. Bu...
by fpr4
Fri Nov 04, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 10980

Re: Frustrated with Health Insurance Premiums for 2017

If you don't like ACA get a job with an employer that provides or subsidizes (with invisible gov't subsidy) insurance. How simple is that? So your solution for someone who doesn't need or want a job is to get a job to have access to insurance. Brilliant. Thanks for the helpful advice. :beer If some...
by fpr4
Fri Nov 04, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Health Insurance Premiums for 2017
Replies: 79
Views: 10980

Re: Frustrated with Health Insurance Premiums for 2017

Greeting to all! We decided to go with HSA account this year and looking for high deductible low cost insurance. After looking for plans for 2017, i am very much frustrated to see that lowest price is $1055 for a family of four( parents + 2 kids) in Texas. It is much more than what we pay for our m...
by fpr4
Wed Nov 02, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner in default passes - who pays?
Replies: 20
Views: 3903

Re: Homeowner in default passes - who pays?

Would the car balance offset the deficit that exists in the equity of the home? If the entiques are in the estate, they will probably have to stand good for the debt against the house. You may check with an attorney and see if those can pass outside the state and then you would just be dealing with ...
by fpr4
Mon Oct 31, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Getting healthcare prices before enrolling
Replies: 19
Views: 2555

Re: Getting healthcare prices before enrolling

[Post removed by admin LadyGeek] Because I can't choose that I'm basically non functioning without my medication. I don't think it's at all absurd to assert that ~95% of people that use BC do so for recreational purposes, 4.5% do it to treat an inconvenient health issue and <0.5% use it because the...
by fpr4
Mon Oct 31, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Getting healthcare prices before enrolling
Replies: 19
Views: 2555

Re: Getting healthcare prices before enrolling

I'd like to know as well. I'm currently on a plan that charges copays for Rx based on a system of tiers up to an Rx deductible. My current Rx deductible is $900 with $10 copays for tier 1, $45 for tier 2, then a percentage for tiers 3 & 4. My Lialda is a tier 2. The insurance company is charged ...
by fpr4
Sun Oct 30, 2016 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

7 states are going up more than 50%. You can't change plans because most are being eliminated (hmo's are basically the only thing left), you have to have a silver plan to get the premium, and as you pointed out, insurance companies are leaving in droves. This whole thing was a half measure. You can...
by fpr4
Sun Oct 30, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

You don't think you're getting COL increases in thr form of super cheap healthcare costs when the typical private sector employees are going up 50%+ in premiums and 20%+ in deductibles? The government pays $450 a month for my insurance (75% of the total cost), and it has increased 4% for next year....
by fpr4
Sun Oct 30, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 22106

Re: 2017 ACA plan previews

It's called insurance. The premium I pay should be based on the risk I present to the entity insuring me; not on the assets I have. The subsidies (tax credits) are what's in question. Why should someone get a tax credit intended so that healthcare doesn't put people into poverty when they are sitti...
by fpr4
Sun Oct 30, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 22106

Re: 2017 ACA plan previews

Not counting assets is a big mistake by the ACA. That would make plans more affordable to change that though many will be disappointed. I see a lot of $1m+ net worth early retirees getting silver plans for next to nothing. That is insane. Maybe that is too political. In any case I am picking my pla...
by fpr4
Sun Oct 30, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 22106

Re: 2017 ACA plan previews

Not counting assets is a big mistake by the ACA. That would make plans more affordable to change that though many will be disappointed. I see a lot of $1m+ net worth early retirees getting silver plans for next to nothing. That is insane. Maybe that is too political. In any case I am picking my pla...
by fpr4
Sun Oct 30, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

You don't think you're getting COL increases in thr form of super cheap healthcare costs when the typical private sector employees are going up 50%+ in premiums and 20%+ in deductibles? The government pays $450 a month for my insurance (75% of the total cost), and it has increased 4% for next year....
by fpr4
Sun Oct 30, 2016 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

Your retiree coverage is heavily subsidized by your former employer. Most employers subsidize on a percentage basis, so if there were a large premium increase, the employee would feel it as much as the employer. Some places haven't seen much if any in increases. Other places have seen insane increa...
by fpr4
Sat Oct 29, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

Your retiree coverage is heavily subsidized by your former employer. Most employers subsidize on a percentage basis, so if there were a large premium increase, the employee would feel it as much as the employer. Some places haven't seen much if any in increases. Other places have seen insane increa...
by fpr4
Sat Oct 29, 2016 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

I work for the federal government and just checked my basic BCBS plan and the premiums are going up 4%, but still no deductible and the co-pays haven't changed. Way better than last year, but still not great considering we haven't gotten a cost of living increase that comes close to matching inflat...
by fpr4
Fri Oct 28, 2016 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 3767

Re: I need career and financial advice

Not that I wouldn't take an extra $450 if it was given to me, but that much savings in a year doesn't really move the needle much (which is what saving 0.5% interest on my loan balances means). If I refinance, the payback on the closing costs would be what? 4-6 years? Was hoping to clear up this de...
by fpr4
Fri Oct 28, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 3767

Re: I need career and financial advice

It's hard to tell whether you are really worth more or not. Your bosses did just give you two raises in a year, so I'm not sure I'd push the money issue quite yet. You could look around and see how much more you can get, but my experience is architectural/civil doesn't always pay amazingly, and it ...
by fpr4
Fri Oct 28, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

Companies will keep increasing deductibles, since there is a premium ceiling and a mandate on how much employers must contribute toward the premiums. Once deductibles are maxed out of affordability (another federally mandated ceiling), companies are going to start shedding costs elsewhere (payroll)....
by fpr4
Fri Oct 28, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 23767

Re: Health Insurance rates went up

Consider yourself lucky. I buy as an individual (for a family plan) and my premiums are going up 74%. I will now pay more in premiums than my mortgage for a plan with $3500/$7500 (ind/fam) with horrible copays.
by fpr4
Thu Oct 27, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Need Financial Advice and Encouragement
Replies: 13
Views: 1211

Re: Need Financial Advice and Encouragement

Thank you to everyone for your responses. I agree that the options I have are to find a higher paying job, get a second job, and find a cheaper residence. I don't think any of my expenses are out of line. I could get rid of my home internet, but I do utilize it for work. With that said, that will b...
by fpr4
Thu Oct 27, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Company Health Insurance Increase
Replies: 12
Views: 1436

Re: Company Health Insurance Increase

Yes, but I don't trust him. He told me years ago that there are different commission amounts for different insurance carriers so they are incented to have you with certain carriers. We got our renewal #s yesterday and have to make a decision within 10 days. I can see right on the paperwork from BCB...
by fpr4
Thu Oct 27, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 3767

Re: I need career and financial advice

I don't think your situation is uncommon for employees at small architecture firms. Typically, architect employees can be paid rather low salaries at these small firms, and the principals can get away with it because there's typically someone willing to take the job. I know of licensed architects i...
by fpr4
Thu Oct 27, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Need Financial Advice and Encouragement
Replies: 13
Views: 1211

Re: Need Financial Advice and Encouragement

What are your work travel expenses and why aren't you being reimbursed for those? $2500 a month is $30k a year net income. Don't most attorneys out of school for 10+ years make $100k+? Are you sure it isn't the tail wagging the dog to make $45k a year for student loan forgiveness? I am in a similar ...
by fpr4
Thu Oct 27, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 22106

Re: 2017 ACA plan previews

IMO, the main problem with health insurance is the scope. Eating is a prerequisite for living, but a life insurance policy doesn't pay for food. Gas is a prerequisite for driving, but a car insurance policy doesn't pay for fuel. I understand the theory behind covering things like birth control, offs...
by fpr4
Thu Oct 27, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 3767

Re: I need career and financial advice

Instead of worrying about buying the business, I would focus on building your brand and putting yourself in a position to hang out your own shingle. You said that you spend time with clients, do you market and close new jobs? If not, I would ask to get experience in that area. A small arch firm is ...
by fpr4
Thu Oct 27, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: I need career and financial advice
Replies: 36
Views: 3767

Re: I need career and financial advice

What is the company really worth? How much of a discount will you get for being a long time employee? Example, if someone offers them $100k, will the sell to you at $80k? From the outside looking in (in other words, I have no idea) it seems the company has some capital equipment (computers, plotter...