Search found 123 matches

by Farmboyslim83
Sat Feb 13, 2021 1:59 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 1014
Views: 182549

Re: Boglehead Beer

Hop Slam!
by Farmboyslim83
Sat Feb 06, 2021 8:41 am
Forum: Personal Consumer Issues
Topic: Generic Drug Prices
Replies: 21
Views: 1305

Re: Generic Drug Prices

[Snip] However, I just refilled two generic prescriptions and the "U&C" prices are very high. [Snip] So, my question is why do these generic drugs have such high costs? I know there are several companies that have been making these products. Does it really cost hundreds of dollars to ...
by Farmboyslim83
Mon Jan 18, 2021 4:24 pm
Forum: Personal Investments
Topic: PA GSP 529 Thoughts
Replies: 7
Views: 433

Re: PA GSP 529 Thoughts

I used the guaranteed program. Your rate of return is the rate of tuition inflation, which you find out in August for the following year. Each college level has it's own inflation rate. In the early 2000's when saving for my son, it was like 4-5%/year, for a private 4-year college. Now, not so much....
by Farmboyslim83
Wed Jan 13, 2021 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Re-Thinking Rewards Checking Accounts
Replies: 47
Views: 3396

Re: Re-Thinking Rewards Checking Accounts

Not sure why this is even a question. Option A: $10,000 @ 0.75% HYSA +$10,000 2% cash back card $75 interest (taxed at 1/3) -> $50 after tax $200 cash back $250 total Option B: $10,000 @ 3%+$0 cash back $300 interest (taxed at 1/3) -> $200 after tax $200 total Add to that your justified concerns ab...
by Farmboyslim83
Wed Nov 18, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Amazon Pharmacy
Replies: 16
Views: 1495

Re: Amazon Pharmacy

Good review by Adam Fein:

www.drugchannels.net
by Farmboyslim83
Thu Nov 05, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10050
Views: 710178

Re: Refinance Mega Thread

I am working with Loan Cabin and got an initial LE that had no section A and B fees. I locked with them and now working thru the initial paperwork, the I see the LE has been updated and section B has a HOA Certification Handling Fee of $250. I know the LE can change after the fact if there are any ...
by Farmboyslim83
Fri Oct 30, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1414
Views: 83994

Re: What are you listening to now

Alain Johannes, “Hum.”
by Farmboyslim83
Wed Oct 21, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: do doctors/hospitals HATE Medicare Advantage (as payers)
Replies: 126
Views: 10923

Re: do doctors/hospitals HATE Medicare Advantage (as payers)

FWIW, most BCBS MA plans in the East/Northeast have almost ALL BCBS plans as “in-network.” I.e., sign up for Highmark in PA, Florida Blue providers, as an example, are “in-network.” I think the only Blues plan that does not participate like this is one of the Maryland BCBS plans. YMMV.
by Farmboyslim83
Tue Oct 20, 2020 11:42 am
Forum: Personal Consumer Issues
Topic: Protein consumption strength training
Replies: 80
Views: 4782

Re: Protein consumption strength training

I stand corrected...thanks CFM 300. I went back and referenced page 160 and it does in fact state 1g per pound of bodyweight instead of my stated 1.25g. As they say, the "memory is the first to go." Seriously, thanks for the reference. I dont see even hitting 1g/lb, but will experiment wi...
by Farmboyslim83
Thu Oct 01, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: HM Bradley savings plan 3% APY
Replies: 134
Views: 13286

Re: HM Bradley savings plan 3% APY

Lake Michigan Credit Union has had that same rate for several years, not hard to meet the reward criteria. Spend 5 minutes a month on 2 accounts. Thanks for the tip. But you have to use their debit or credit card 10x per month, right? yeah...just buy a few amazon credits throughout the month. But H...
by Farmboyslim83
Thu Oct 01, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: HM Bradley savings plan 3% APY
Replies: 134
Views: 13286

Re: HM Bradley savings plan 3% APY

Lake Michigan Credit Union has had that same rate for several years, not hard to meet the reward criteria. Spend 5 minutes a month on 2 accounts.
by Farmboyslim83
Thu Oct 01, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: how do you make your home smell good?
Replies: 84
Views: 6904

Re: how do you make your home smell good?

Run bath, get in, cut farts.
by Farmboyslim83
Wed Sep 30, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Indoor bike trainer options
Replies: 23
Views: 1672

Re: Indoor bike trainer options

https://www.kurtkinetic.com/trainers

I have had the $299 one for several years, pre-dates all the video-oriented ones, no bells and whistles. Kinetic does now seem to have a lot of higher end stuff.
by Farmboyslim83
Mon Jun 22, 2020 1:40 pm
Forum: Personal Investments
Topic: First-Time Investor: Schwab ETF's
Replies: 13
Views: 755

Re: First-Time Investor: Schwab ETF's

nix4me wrote: Mon Jun 22, 2020 12:58 pm I use SCHB/SCHZ in my HSA account. Simple.
+1. I own only these 2 in my Fido TIRA account.
by Farmboyslim83
Tue May 12, 2020 11:22 am
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 50
Views: 3993

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

Do you participate in Walmart’s stock purchase plan? If you are allowed to sell all shares (including the company’s share match) on the day of purchase, it can be an easy way to make a bit of additional income at the end of each offering period. I do not, nor have I ever. Conscious decision not to ...
by Farmboyslim83
Tue May 12, 2020 7:12 am
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 50
Views: 3993

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

Do you participate in Walmart’s stock purchase plan? If you are allowed to sell all shares (including the company’s share match) on the day of purchase, it can be an easy way to make a bit of additional income at the end of each offering period. I do not, nor have I ever. Conscious decision not to ...
by Farmboyslim83
Sun May 10, 2020 4:27 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 50
Views: 3993

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

Again, well done Blue! Do you have career aspirations? Maybe you and that Publix guy should start a blog on how to guide hourly folks on their retirement plans!
by Farmboyslim83
Sun May 10, 2020 2:42 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 50
Views: 3993

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

I have the same plan, couple things: *well done on your contribution rate! *well done on choosing the Blackrock index funds, they are the only ones worth owning. *the 50% split between 1000/2000 may be overweight on small caps. I’ve tried to mimic the Blackrock 3000 fund, close to a total stock mark...
by Farmboyslim83
Fri Apr 10, 2020 10:44 am
Forum: Investing - Theory, News & General
Topic: Why are RSUs and options treated differently?
Replies: 9
Views: 739

Re: Why are RSUs and options treated differently?

I know with RSU’s the basis is the vesting price, and that figure is automatically added to my W-2. W options, the strike price when granted is the basis, and tax liability occurs when you choose to vest, so could be long term or short term capital gain, depending on when you sell. That’s my take, n...
by Farmboyslim83
Fri Mar 27, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC checking bonus
Replies: 20
Views: 2081

Re: HSBC checking bonus

ACH push is working for Wells Fargo $400. bonus.
by Farmboyslim83
Fri Mar 27, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC checking bonus
Replies: 20
Views: 2081

Re: HSBC checking bonus

Got the $750 last month, and didn't know it. Silly me. No monthly fees, did the $5,000/month DR. Easy for me to do from paycheck.
by Farmboyslim83
Fri Mar 20, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10050
Views: 710178

Re: Refinance Mega Thread

Navy Federal says 150-180 days to close?! Still don’t know if I locked a 7/1 ARM for 2.125.
by Farmboyslim83
Sun Mar 15, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12913

Re: Are you still going to the gym ...

tiburblium wrote: Thu Mar 12, 2020 7:12 pm Yes, the gym is in my basement
+1.
by Farmboyslim83
Sat Mar 14, 2020 6:44 pm
Forum: Personal Investments
Topic: My dad says I should pull out of the market before "they" steal it all
Replies: 113
Views: 8379

Re: My dad says I should pull out of the market before "they" steal it all

What’s a “rich people?” 50 bucks a month for 35-40 years into a TSM index fund can make a rich people.
by Farmboyslim83
Sun Mar 01, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Which Treadmill Should I Buy? UPDATE: Thanks Everyone!!
Replies: 22
Views: 1850

Re: Which Treadmill Should I Buy? What do you have? Which one's break down? Thoughts? Help?

The “Horizon” brand is a good consumer treadmill, have 3 models, I think. Looks like they changed the names of the models since I bought mine about a year ago. Yes, pay to have it installed, probably available at a local fitness store.
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: 12
Views: 747

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: 924

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: 1775
Views: 150637

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: 2989

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: 6649

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: 1953

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: 4510

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: 6182

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: 1780

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: 1202

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: 2449

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: 9067

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: 589

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: 10130

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: 6649

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: 2727

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: 3543

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: 9978

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: 75334

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: 2088

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: 4961

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: 1741

Re: New PenFed 2% Savings Account

Yep 100K max.