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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...

Farmboyslim83

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...

Farmboyslim83

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 ...

Farmboyslim83

OP, if you have contacts there, you know their email syntax. Why not send the hiring manager a direct email?

Farmboyslim83

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...

Farmboyslim83

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...

Farmboyslim83

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.

Farmboyslim83

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.

Farmboyslim83

Just bought an Epson 434 at Walmart for $55., seems fine. Might buy another one when I need ink!

Farmboyslim83

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...

Farmboyslim83

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-...

Farmboyslim83

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!

Farmboyslim83

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...

Farmboyslim83

Two things you already have, a scale and a mirror.

Farmboyslim83

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.

Farmboyslim83

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...

Farmboyslim83

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.

Farmboyslim83

I've linked Ally and Everbank accounts to Netspend and WU Netspend, withdrew money from both, to both, with no problem.

Farmboyslim83

I'll probably go back to Lake Michigan Credit Union. I didn't find their rewards checking requirements too bothersome.

Farmboyslim83

I turned my lawn into a grub farm, worst looking lawn for miles.

Farmboyslim83

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.

Farmboyslim83

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 ...

Farmboyslim83

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?!

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