Search found 73 matches

by Farmboyslim83
Mon Dec 03, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Comparing Medicare Part D Plans
Replies: 8
Views: 661

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: 1654

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: 2066

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: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5884

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: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5884

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: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5884

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: Investing - Help with Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3035

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: Investing - Help with Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3035

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: Investing - Help with Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3035

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: 25833

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: 25833

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: 2451

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: 1309

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: 757

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: 2903

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: 1276

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: 9349

Re: DNA ancestry testing

by Farmboyslim83
Wed May 30, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 88
Views: 9349

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: 3581

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: 3581

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: Investing - Help with Personal Investments
Topic: Insights Bank online savings account: 5%
Replies: 5
Views: 1064

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: 7464

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: 157
Views: 12936

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

3535 (If man is still alive.)
by Farmboyslim83
Wed Jan 03, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Brand New Investor; Thoughts on 401k allocations.
Replies: 7
Views: 870

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: 844

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: 1620

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: 5237

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: Investing - Help with Personal Investments
Topic: Question regarding 401(k) catch-up contributions and employer match
Replies: 29
Views: 2406

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...
by Farmboyslim83
Mon Oct 23, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 9103

Re: How does/can Walmart offer such inexpensive prescriptions?

It's really not that complicated: *Buy low/sell low *Walmart's "cash" prices, or "negotiated prices" if you are on a HDHP, will almost always be lower than other chains/independents, because the others usually charge too much. *Your employer/health plan/Medicare plan sets copays with their PBM. If y...
by Farmboyslim83
Sun Oct 01, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3836

Re: Reach out to hiring manager directly on LinkedIn?

OP, if you have contacts there, you know their email syntax. Why not send the hiring manager a direct email? rgnort, In my opinion, unsolicited direct email may not work as well as Linkedin contacts. KlangFool When I was looking, I always emailed the hiring manager, resume attached, letting him or ...
by Farmboyslim83
Sun Oct 01, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3836

Re: Reach out to hiring manager directly on LinkedIn?

OP, if you have contacts there, you know their email syntax. Why not send the hiring manager a direct email?
by Farmboyslim83
Fri Jul 21, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4815

Re: Is there any reason not to? [4% Checking]

Pays interest - 4.00% APY1 on balances up to $15,000 when all requirements are met Minimum of 20 debit purchases/month (does not include ATM withdrawals) sounds like a bit of a headache tracking this every month. Esp the debit card purchases. I feel much safer using a credit card (vs debit) as if t...
by Farmboyslim83
Mon Jun 19, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 2681

Re: Trying to save money on prescription drug

It would be odd to have a "covered" Rx cost more than the "not-covered" one. Are you on a high- deductible plan? If so, you're mostly out of luck, unless you do the Canada thing. If you have copays for other Rx's or Dr. visits, then you should check your Rx plan literature, to see if another inhaled...
by Farmboyslim83
Wed May 03, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Mail Order Pharmacy for my Mom?
Replies: 39
Views: 2808

Re: Mail Order Pharmacy for my Mom?

What about 90-day at retail? Her plan may have that option. Some plans have the same copay, for retail, or mail, 90-day Rx's. Maybe she likes going to the store/pharmacy.
by Farmboyslim83
Mon Apr 03, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 32
Views: 2879

Re: What to see in Philly?

Spend the first hour at Monk's Belgian beer bar, then you'll be smiling, whatever you choose to do, for the next three. Then, a nap.
by Farmboyslim83
Wed Mar 08, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 3096

Re: help with my printer problem

Just bought an Epson 434 at Walmart for $55., seems fine. Might buy another one when I need ink!
by Farmboyslim83
Sun Feb 26, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Have Fidelity account- adding Vanguard 3 fund plan- stay at Fidel
Replies: 35
Views: 2725

Re: Have Fidelity account- adding Vanguard 3 fund plan- stay at Fidel

I have 2 Schawb ETF's at Fidelity, SCHB, total us stock, and SCHZ, total bond. Lowest ER's, and if I feel like moving them for a new account bonus, it's easier. Thare's also SCHF, total international, if you want international, for a 3-fund portfolio. FWIW, it's been relatively easy to do Roth conve...
by Farmboyslim83
Tue Feb 14, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 16087

Re: Insane Bloodwork Cost (Quest Diagnostic)

The markup ("list price") on lab work is like that of aspirin in a hospital: insanely high. In the old days of co-pays, nobody cared or noticed. I once had a bunch of tests whose "costs" where $700., I paid $3. In today's high-deductible world, you really have to do your homework. In-network/out-of-...
by Farmboyslim83
Wed Feb 08, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble with LMCU transactions coming in as "bill pay"
Replies: 7
Views: 1245

Re: Trouble with LMCU transactions coming in as "bill pay"

Verizon wireless processes them as "debit." However, their minimum transaction amount is $1.00. I could go to Wawa and buy individual mini-tootsie rolls, but I think I'll continue with VW.
Thanks!
by Farmboyslim83
Mon Jan 23, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble with LMCU transactions coming in as "bill pay"
Replies: 7
Views: 1245

Trouble with LMCU transactions coming in as "bill pay"

Hello, Per a Bogleheads advice, I've been satisfying the 10 debit card transactions/month criteria, for my MAX Checking account, via my Comcast account. I do 10 transactions, starting with $0.25, through $0.35, and it was working fine. However, with LMCU's changeover to a Visa debit card, from a Mas...
by Farmboyslim83
Mon Dec 26, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Fitness Tracker Recommendation Please
Replies: 9
Views: 1096

Re: Fitness Tracker Recommendation Please

Two things you already have, a scale and a mirror.
by Farmboyslim83
Sat Dec 10, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Moving an 8ft slate pool table
Replies: 12
Views: 1350

Re: Moving an 8ft slate pool table

Hire someone to take it down, transport, and put back together. Split the cost with the purchaser, or however you want to work that out. The putting-back-together part should be done by someone who knows what they are doing.
by Farmboyslim83
Fri Oct 14, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chevron Texaco Retiree Medical Benefits
Replies: 10
Views: 2020

Re: Chevron Texaco Retiree Medical Benefits

Chevron has likely chosen a vendor, such as Aon, who market and manage "exchange" products. They also are likely to be given a subsidy, with which to purchase a product. If the two "likely's" don't come to pass, the choices can be mind boggling. Instructions on how to do all this were likely (#3) pr...
by Farmboyslim83
Sun Jul 17, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 10162

Re: What's up with 4K tv? Should I buy one?

Highest end Vizio line is the new "P" series, 55" was on sale at Best Buy for $1199, seems like a nice tv to me.
by Farmboyslim83
Thu Jul 14, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: removing money from Netspend prepaid cards by paying credit card bills -- not working with Chase
Replies: 9
Views: 1225

Re: removing money from Netspend prepaid cards by paying credit card bills -- not working with Chase

I've linked Ally and Everbank accounts to Netspend and WU Netspend, withdrew money from both, to both, with no problem.
by Farmboyslim83
Wed Jun 01, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 63
Views: 7928

Re: Any problems with netspend

I'll probably go back to Lake Michigan Credit Union. I didn't find their rewards checking requirements too bothersome.
by Farmboyslim83
Tue Apr 12, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: The Lawn vs. The Homeowner (guess who's winning)
Replies: 59
Views: 8127

Re: The Lawn vs. The Homeowner (guess who's winning)

I turned my lawn into a grub farm, worst looking lawn for miles.
by Farmboyslim83
Sun Apr 10, 2016 12:18 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 213
Views: 36721

Re: guaranteed 5% vs stocks?

I have 5 Netspend accounts, ACH-in a dollar a month automatically, seems pretty autopilot to me. $61.03/QTR, or something close to that. Never use the debit card, that's it.
by Farmboyslim83
Tue Feb 16, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Prescription costs on HDHP?
Replies: 10
Views: 1613

Re: Prescription costs on HDHP?

Generic or brand? If you used to have, say, a $15. generic copay, you could have been spending more than you needed to. Lots of meds on Walmart's $4. generic list are subject to a plans copays, if purchased somewhere else. Choice of pharmacy makes a big difference, when you're shelling out your own ...
by Farmboyslim83
Thu Feb 11, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Friend is an Edward Jones financial advisor -- should I drop him?
Replies: 76
Views: 12421

Re: Friend is an Edward Jones financial advisor -- should I drop him?

Um Doss, what are you thinking? You've generated advice from many great minds on Bogleheads, including one of the most revered sages, Taylor. Watchyagonna do?!