Bogleheads.org

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.

Farmboyslim83

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.

Farmboyslim83

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 ...

Farmboyslim83

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.

Farmboyslim83

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

Farmboyslim83

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.

Farmboyslim83

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%?

Farmboyslim83

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...

Farmboyslim83

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 ...

Farmboyslim83

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...

Farmboyslim83

Curly Howard.

Farmboyslim83

Curly Howard.

Farmboyslim83

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...

Farmboyslim83

Reli-On at Walmart. $15. for meter, $9. For 50 strips. Less expensive than ablot of insurance coverages.

Farmboyslim83

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!

Farmboyslim83

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.”

Farmboyslim83

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...

Farmboyslim83

Thought this was interesting:

https://blogs.ancestry.com/cm/whos-more ... r-sibling/

Farmboyslim83

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...

Farmboyslim83

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...

Farmboyslim83

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.

Farmboyslim83

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.

Farmboyslim83

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...

Farmboyslim83

3535 (If man is still alive.)

Farmboyslim83

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...

Farmboyslim83

Mint does this. I don’t know the schedule, but there are auto-updates.

Farmboyslim83

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?

Farmboyslim83

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.

Farmboyslim83

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...

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