Search found 95 matches

by Farmboyslim83
Fri Feb 28, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: 60 year old's + - What golf ball do you use?
Replies: 10
Views: 453

Re: 60 year old's + - What golf ball do you use?

Snell MTB-X. Also use yellow, seem to see it better. ~$30./dozen, when you buy 2 or 3 dozen.
by Farmboyslim83
Wed Feb 19, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: Mail Order Pharmacy
Replies: 16
Views: 821

Re: Mail Order Pharmacy

Walmart or Costco might have a cash price that is much lower. You wouldn’t be using your prescription card. Express Scripts might be getting a rebate on the drug they keep sending you, you will never know that. Worth a call to Walmart or Costco.
by Farmboyslim83
Fri Feb 14, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 418
Views: 34771

Re: Coronavirus (Consumer Issues) How you are preparing?

This thread has inspired me to stock up the beer fridge after work. The thought of being quarantined in my house for 2 weeks and running out of hooch is too much to chance it. Similarly, my wife just snagged me a bottle of Elmer T. Lee whiskey, so I'm all set She got it on a work trip to Dallas, it...
by Farmboyslim83
Wed Jan 08, 2020 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Unions offer the best interest rates on deposits as of Jan 2020?
Replies: 30
Views: 2827

Re: Which Credit Unions offer the best interest rates on deposits as of Jan 2020?

Have had 2 accounts at LMCU for years, takes 5 minutes a month. Learned here to do multiple on-line partial payments at cable and/or wireless provider for debit transaction requirement. Some don’t allow, ymmv.
by Farmboyslim83
Mon Jan 06, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 60
Views: 6381

Re: Good Rx

I am going to guess that Good Rx and others like it primarily work with people who have HDHP instead of PPO? I don't think PPO's and HDHP's are mutually exclusive. It works best for people that don't have low co-pays for prescriptions and that haven't hit their deductible. Right, I imagine someone ...
by Farmboyslim83
Wed Nov 20, 2019 9:23 am
Forum: Personal Investments
Topic: For those who invest in Merrill Edge, what are you invested in?
Replies: 23
Views: 1564

Re: For those who invest in Merrill Edge, what are you invested in?

SCHB: Schwab total us stock etf
SCHZ: Schwab total us bond etf
by Farmboyslim83
Sun Nov 17, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]
Replies: 45
Views: 4332

Re: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]

*Almost all Part D plans have a preferred pharmacy option, some have substantial differences in co-pay, preferred vs. non- preferred, do your homework, when choosing a plan, then when choosing a pharmacy. *If paying cash, you’d be hard pressed to beat Walmart or Costco. As others have recommended, u...
by Farmboyslim83
Thu Oct 31, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: $500 KeyBank bonus worth it?
Replies: 36
Views: 4409

Re: $500 KeyBank bonus worth it?

Did a key bank bonus earlier this year, I think for $300. Was very easy, but it is easy for me to do a direct deposit change.
by Farmboyslim83
Sun Oct 20, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Promotions and Direct Deposits
Replies: 12
Views: 1672

Re: Bank Promotions and Direct Deposits

My employer allows employees to maintain direct deposit recipients themselves. Simply go on the website and update routing and account numbers as you see fit. Therefore, not annoying my company or fellow humans, only computers. However, I do not play this game. I play. DD’s are web-handled, takes 5...
by Farmboyslim83
Tue Oct 15, 2019 1:50 pm
Forum: Personal Investments
Topic: Helping 23-year-old with first 401K: 2 questions
Replies: 17
Views: 1160

Re: Helping 23-year-old with first 401K: 2 questions

How is the company match handled? It varies, a lot. My match is 6% of eligible income,regardless of my contribution, min contribution is 1%. Even low-income employees can do 1%.
by Farmboyslim83
Sat Aug 24, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: CD Rates_Terms advice
Replies: 20
Views: 2340

Re: CD Rates_Terms advice

I did the 36-month jumbo (3.2%) IRA at Hughes. Pulled in money from 3 sources, they were very helpful and accommodating, during the process. Merrill Edge proved especially and unnecessarily difficult to get funds from, took weeks, and Hughes waited. I did spend 10 bucks to join some organization, to...
by Farmboyslim83
Tue Aug 06, 2019 9:24 am
Forum: Personal Investments
Topic: Ally & Marcus Dropping Some Interest Rates (Title Edited 8-8-19)
Replies: 59
Views: 8821

Re: Ally Dropping Interest Rate on their Online Savings Account 8-6-19

snowman wrote:
Tue Aug 06, 2019 8:19 am
I am with LMCU, 3% HY checking. Super easy to meet conditions. $15K cap.
+1. 5 minutes a month for 2 accounts.
by Farmboyslim83
Tue Jul 23, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Best option for paying for prescription drug
Replies: 8
Views: 531

Re: Best option for paying for prescription drug

Be careful, not using your insurance may result in those costs NOT being applied to your deductible. If so, that may or may not be a bad thing. You’ll have to really understand your plan, and figure out the best strategy to keep your out of pocket costs as low as possible.
by Farmboyslim83
Thu Jun 27, 2019 1:06 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 9523

Re: Dave Ramsey says to give up employer 401K match to pay down debt

My company 6% match is paid on eligible income, and has nothing to do with the amount of my contributions. The minimum employee contribution rate is 1%. Theoretically, if I make 100k a year, I can contribute $1,000., and get a $6,000. match, provided I contribute every pay period. Every company mana...
by Farmboyslim83
Wed Jun 12, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 60
Views: 6381

Re: Good Rx

You can use GoodRX, or you can file with your insurance. You can’t do both, even if the insurance doesn’t pay anything. So you have to decide if the GoodRX discount is large enough to make it worth going outside the insurance plan. This is not always true. As I documented above, in my High Deductib...
by Farmboyslim83
Thu Mar 28, 2019 7:14 am
Forum: Personal Consumer Issues
Topic: What golf ball do you use?
Replies: 40
Views: 2543

Re: What golf ball do you use?

sixty40 wrote:
Sun Mar 24, 2019 11:13 pm
If Costco member, get Kirkland 3-piece balls, $24+$5 shipping for 2 dozen, best deal out there and they are premium balls. 9 handicap. You get a premium ball for the price of cheap rock hard balls.
+1 on Kirkland. Have also liked Snell and Vice, 2 “as good as Pro V” brands for a lot less.
by Farmboyslim83
Wed Jan 16, 2019 1:53 pm
Forum: Personal Investments
Topic: 5 year CDs @Penfed mature 1/22/19
Replies: 30
Views: 3434

Re: 5 year CDs @Penfed mature 1/22/19

Thinking of parking my IRA with Ally’s 2.3% 11-month no penalty cd, with the hope of a sweet deal popping up elsewhere. Soon.
by Farmboyslim83
Wed Jan 16, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 8903

Re: Gillette Mach 3 alternatives

Hi, I have used Gillette Mach 3 (disposable) and Sensor Excel for many years, but now want to transition off of them. Is there any other good quality alternative in the US market with a pivoting Head that adjusts to the contours of the face. 2 to 3 blades are enough for me. I’ve been using Schick H...
by Farmboyslim83
Tue Jan 15, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 73629

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Looks like there is no pay-5bucks-and-you’re-good provisions, need to be local.
by Farmboyslim83
Mon Dec 31, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEAD CONTEST LEADERS
Replies: 15
Views: 2002

Re: 2018 BOGLEHEAD CONTEST LEADERS

#485! Anyone want my prediction for ‘19?!
by Farmboyslim83
Mon Dec 17, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)
Replies: 34
Views: 3631

Re: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)

Why not do 15 or 20 air squats per hour, from your current desk? Free!
by Farmboyslim83
Thu Dec 13, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: New PenFed 2% Savings Account
Replies: 13
Views: 1630

Re: New PenFed 2% Savings Account

Yep 100K max.
by Farmboyslim83
Mon Dec 03, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Comparing Medicare Part D Plans
Replies: 8
Views: 865

Re: Comparing Medicare Part D Plans

I believe the pharmacy networks are different, especially the “preferred” pharmacies, which have lower copays. Are you currently on the Humana /Walmart plan? If not, I would check that.
by Farmboyslim83
Mon Oct 22, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Which HDHP plan is better, Blue Cross or United
Replies: 30
Views: 1808

Re: Which HDHP plan is better, Blue Cross or United

One thing that doesn't seem to be discussed much is the "negotiated rate" for services, especially bigger ticket expenses like hospital expenses. There's the billed rate, then the negotiated rate, or what the hospital, in this case, will accept as payment from the insurer. Both costs usually appear ...
by Farmboyslim83
Sun Oct 14, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Maui - Ka'anapali Beach Hotel
Replies: 15
Views: 2189

Re: Maui - Ka'anapali Beach Hotel

Hyatt Regency many years ago. Still remember walking into the open-air lobby exhausted, with Hawaiian music playing. Woke right up; haven’t checked if is still a Hyatt.
by Farmboyslim83
Sun Oct 14, 2018 7:12 pm
Forum: Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 6417

Re: Have you annuitized some of your money?

Dottie57 wrote:
Sun Oct 14, 2018 5:58 pm
Farmboyslim83 wrote:
Sun Oct 14, 2018 5:02 pm
Thoughts on DIA, instead of SPIA? Buying now and waiting 5-6 years to begin payments results in a higher monthly payment. Think most would jump on a 5% 5-year CD, why not a DIA in 5 years at +7%?
Do you mean SPDA - single premium deferred annuity?
Yes
by Farmboyslim83
Sun Oct 14, 2018 7:11 pm
Forum: Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 6417

Re: Have you annuitized some of your money?

Thanks Jo, 7.74% “cash flow rate.” Honestly I’ve just begun digesting the fine print, to understand the definitions, etc. I’ve read the wiki info, a couple of times, will do so again. That rate is for buying now, with payouts starting in 5 years. Joint 100% income, no cola, but cola can be purchased.
by Farmboyslim83
Sun Oct 14, 2018 5:02 pm
Forum: Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 6417

Re: Have you annuitized some of your money?

Thoughts on DIA, instead of SPIA? Buying now and waiting 5-6 years to begin payments results in a higher monthly payment. Think most would jump on a 5% 5-year CD, why not a DIA in 5 years at +7%?
by Farmboyslim83
Tue Oct 02, 2018 6:16 pm
Forum: Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3485

Re: What to do with cash in the short term?

Lake Michigan Credit Union, 3% up to 15k, is a pretty painless hoop-jumping option Heritage Bank is better at 3.33% APY up to $25K. Same requirements for 10 debit card purchase and one ACH deposit monthly, but no requirement to login 4 times as at LMCU. I recently switched from LMCU to Heritage Ban...
by Farmboyslim83
Tue Oct 02, 2018 3:57 pm
Forum: Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3485

Re: What to do with cash in the short term?

Lake Michigan Credit Union, 3% up to 15k, is a pretty painless hoop-jumping option Nice, I might move $15k of my emergency savings to LMCU. I wish DCU had a higher limit. I learned here that you could go to the Comcast or Verizon Wireless, etc., website, pay $1.00, then $1.50, on up, until you get ...
by Farmboyslim83
Tue Oct 02, 2018 1:22 pm
Forum: Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3485

Re: What to do with cash in the short term?

If you don't mind jumping through the monthly hoops (mainly 10 debit card purchases), the reward-checking account (RCA) at Heritage Bank is paying 3.33% APY on up to $25K. If you're a hoop-jumper you could also get: 5.28% (effective after fees) on $5000 with MangoMoney https://www.mangomoney.com/wh...
by Farmboyslim83
Thu Aug 09, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 28658

Re: most compelling TV character ever

Curly Howard.
by Farmboyslim83
Thu Aug 09, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 28658

Re: most compelling TV character ever

Curly Howard.
by Farmboyslim83
Tue Aug 07, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2592

Re: Prescription Price Shopping?

What is your prescription drug benefit? Copay? Flat dollar amount, amount depending on generic, brand or specialty drug. Co-insurance? % of the cost, I.e. $100.is 20% of $500. Could vary for generic/brand/specialty HDHP? Pay the amount your insurer/PBM has negotiated to pay. If you are using your pr...
by Farmboyslim83
Sun Aug 05, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Good/Cheap Glucose Monitoring System.
Replies: 15
Views: 1475

Re: Good/Cheap Glucose Monitoring System.

Reli-On at Walmart. $15. for meter, $9. For 50 strips. Less expensive than ablot of insurance coverages.
by Farmboyslim83
Tue Jun 12, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Maui Hikes
Replies: 11
Views: 901

Re: Maui Hikes

I would think they’d all be tied for first, depends on what you’re up for. Whether Haleakala, or from your hotel room to the beach, it’s all good!
by Farmboyslim83
Sun Jun 03, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Need to replace my Vizio TV..............
Replies: 35
Views: 3426

Re: Need to replace my Vizio TV..............

Which series do you have? The lower the letter, the lesser the quality. Think their top might be “p” now. Also think the lowest is “d.”
by Farmboyslim83
Fri Jun 01, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: 5% prepaid Visa cards: Insight?
Replies: 6
Views: 1382

Re: 5% prepaid Visa cards: Insight?

Received email today from Insight that they are closing the savings account associated with these cards on July 1st. AFAIK, all the savings accounts for similar prepaid cards have a limit of $1000. No longer worth the trouble, IMO. Criminy, just set up 4 accounts, got the email today they are closi...
by Farmboyslim83
Thu May 31, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 88
Views: 9898

Re: DNA ancestry testing

by Farmboyslim83
Wed May 30, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 88
Views: 9898

Re: DNA ancestry testing

As mentioned, take the ethnicity tests with a big grain of salt. I've seen results for the same person from the "big three" testing companies, and while there are similarities, there are large, unexplanable differences, and this from a guy who knows all of his ancestors back to the early 1800's. An...
by Farmboyslim83
Wed May 23, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: What are downsides of ESPP @ 15% discount ?
Replies: 41
Views: 5513

Re: What are downsides of ESPP @ 15% discount ?

Do you all have a max, that the 15% can be applied to? I do, and it is not very much, which would pretty much negate any value to doing this. Thanks. Remember it's typically 15% of LOWER of starting price or ending price during period. So depending on beta of stock average actual discount much more...
by Farmboyslim83
Tue May 22, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: What are downsides of ESPP @ 15% discount ?
Replies: 41
Views: 5513

Re: What are downsides of ESPP @ 15% discount ?

Do you all have a max, that the 15% can be applied to? I do, and it is not very much, which would pretty much negate any value to doing this.

Thanks.
by Farmboyslim83
Sun Apr 29, 2018 4:44 pm
Forum: Personal Investments
Topic: Insights Bank online savings account: 5%
Replies: 5
Views: 1137

Re: Insights Bank online savings account: 5%

Waiting on my third card. “financialpanther.com” has a great how-to tutorial. Takes like 5 business days for the transfer from Ally to hit, does take a long time to receive the card. I hope they don’t reduce the max like Netspend did. Going fine so far.
by Farmboyslim83
Mon Jan 22, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 8302

Re: Work-out schedule for those in 60s

I read "Body by Science," tried it out. I think it is tough to do on ones own, getting to true "failure." I lift M-W-F, total-body routines, super-sets and circuits, as little rest as possible. This makes most of these sessions high-intensity interval training, HIIT. Lot of huffing and puffing, shou...
by Farmboyslim83
Wed Jan 03, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 167
Views: 17036

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

3535 (If man is still alive.)
by Farmboyslim83
Wed Jan 03, 2018 11:49 am
Forum: Personal Investments
Topic: Brand New Investor; Thoughts on 401k allocations.
Replies: 7
Views: 1059

Re: Brand New Investor; Thoughts on 401k allocations.

Hello Kitty, (couldn't help it) Welcome! I have the same plan. You've done some good homework, and gotten some good guidance from PK. I'm using the 4 Blackrock index funds, to mimic the 3-fund portfolio. Although we don't have the Blackrock 3000, we do have the 1000 and the 2000. Per PK, the 1000 is...
by Farmboyslim83
Mon Dec 18, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Texts and Logon Security
Replies: 6
Views: 969

Re: Vanguard Texts and Logon Security

Mint does this. I don’t know the schedule, but there are auto-updates.
by Farmboyslim83
Fri Dec 08, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: GPS tracker for loved one w Alzheimer’s
Replies: 21
Views: 1794

Re: GPS tracker for loved one w Alzheimer’s

We used “On-Star,” it worked pretty well. It has been a few years, we bought a rear-view mirror containing on-star, then it was like $30./month for the service. It is also a phone.

Are you sure you want her to continue to drive?
by Farmboyslim83
Sat Oct 28, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 5621

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

If you 're OK with buying from a Canadian pharmacy, Ombrelle sport lotion. Think the brand is sold in the US, but without Mexoryl, a sunscreen not available here. Have done that for 4-5 years now.
by Farmboyslim83
Thu Oct 26, 2017 8:24 am
Forum: Personal Investments
Topic: Question regarding 401(k) catch-up contributions and employer match
Replies: 29
Views: 2710

Re: Question regarding 401(k) catch-up contributions and employer match

Every 401(k) plan is different. I can contribute both regular and catch up at the same time, but there is no match on the catch up. I have no true up, so I have to make sure I contribute through the last pay period of the year. Reading and posting have reminded me to take a look, to make sure my cal...