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Farmboyslim83

Hop Slam!

Farmboyslim83

[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 ...

Farmboyslim83

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....

Farmboyslim83

http://dddi6o7noc2x9.cloudfront.net/wp- ... G_1753.jpg

#6 Quivira in Cabo, parred it last year. (Don’t know about the link)

Farmboyslim83

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...

Farmboyslim83

Good review by Adam Fein:

www.drugchannels.net

Farmboyslim83

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 ...

Farmboyslim83

You still pay IIRMA on Medicare Advantage.

Farmboyslim83

Alain Johannes, “Hum.”

Farmboyslim83

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.

Farmboyslim83

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...

Farmboyslim83

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...

Farmboyslim83

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.

Farmboyslim83

Run bath, get in, cut farts.

Farmboyslim83

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.

Farmboyslim83

OP, what say ye?

Farmboyslim83

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.

Farmboyslim83

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 ...

Farmboyslim83

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 ...

Farmboyslim83

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!

Farmboyslim83

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...

Farmboyslim83

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...

Farmboyslim83

ACH push is working for Wells Fargo $400. bonus.

Farmboyslim83

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.

Farmboyslim83

Navy Federal says 150-180 days to close?! Still don’t know if I locked a 7/1 ARM for 2.125.

Farmboyslim83

tiburblium wrote: ↑Thu Mar 12, 2020 7:12 pm Yes, the gym is in my basement

+1.

Farmboyslim83

What’s a “rich people?” 50 bucks a month for 35-40 years into a TSM index fund can make a rich people.

Farmboyslim83

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.

Farmboyslim83

Snell MTB-X. Also use yellow, seem to see it better. ~$30./dozen, when you buy 2 or 3 dozen.

Farmboyslim83

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.

Farmboyslim83

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...

Farmboyslim83

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.

Farmboyslim83

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 ...

Farmboyslim83

SCHB: Schwab total us stock etf
SCHZ: Schwab total us bond etf

Farmboyslim83

*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...

Farmboyslim83

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.

Farmboyslim83

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...

Farmboyslim83

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%.

Farmboyslim83

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...

Farmboyslim83

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.

Farmboyslim83

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.

Farmboyslim83

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...

Farmboyslim83

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...

Farmboyslim83

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.

Farmboyslim83

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.

Farmboyslim83

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...

Farmboyslim83

Looks like there is no pay-5bucks-and-you’re-good provisions, need to be local.

Farmboyslim83

#485! Anyone want my prediction for ‘19?!

Farmboyslim83

Why not do 15 or 20 air squats per hour, from your current desk? Free!

Farmboyslim83

Yep 100K max.

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