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Prescription Medications

It seems every time I go to get my couple of prescription medicines refilled the price has gone up…again.  I decided to look around to find out where I can get my prescriptions filled at a reasonable price.  We’ve all heard that you can obtain many prescriptions for $4.00 each at places like Walmart, Target, Fry’s/Ralph’s/Kroger Grocery stores, Safeway/Vons Grocery stores and many drugstores like CVS and Walgreen’s.  Unfortunately, not all places carry your particular medicine or formulary as the industry likes to call it.  Too many insurance companies- limit- the amount of medicine you can purchase because of their shortsighted prearranged agreements with the suppliers.  For my eye drops, I was allowed to purchase one month supply of the 2.5ml bottle for $63.00 but not the 5ml bottle under my insurance plan. Of course, the 5 ml bottle would have saved me money but why should they care?

So I did some extensive searching on the Internet and this is what I have found for websites that provide a wide range of pricing (let the buyer beware).  I hope you find them helpful and save you money.

Some of the locations such as Sam’s Club are members only to get in but not to use their Pharmacy. Just tell the door attendant you are going in to use the Pharmacy and they should have no problem letting you do that but you won’t be allowed to make any other purchases, just your prescription. Most of the websites you will have to sign up for an account to use their service which should be understandable.  The sites like Costco and Sam’s Club allow you to search their Pharmacy prices without signing up. This is a very nice feature.  If you find a price less expensive (we don’t like saying cheaper) from someplace reputable; check with them to see if the place you really would like to give your business to will price match or even beat the price.  I did that with Sam’s Club and Costco.  It works.

1. Sam’s Club, www.samsclub.com

2. Costco, www.costco.com

3. Bid Rx, www.bidrx.com

4. www.canadadrugs.com

5. destinationrx.com

6. familymeds.com

7. needbasket.com

8. pillbot.com

9. pharmacychecker.com (checks prices on other websites, but seems good)

10. planetdrugsdirect.com

11. drugstore.com

13. drugspark.com

12. MedImpact.com (Formulary information only, no prices)

I checked all the links above on 3 Sept 2010 and all worked.

One other piece of advice I’d like to share is if you are near Canada and Mexico, you can 9.5 times out of ten obtain less expensive prescription medicines there.  But they might not have your formulary/dosage needed. Of course, you need to live in proximity to them or plan a trip. If you do go there, always, always bring a written prescription with you to obtain your medicine and to prove you legally have a prescription for the medicines when crossing the border. The pharmacy in Mexico did not keep my prescription when I showed it to them. They gave it back. Good luck!

If you found this article useful or not, please comment and rate it by clicking on the article headline. I want to know what you think and I wish to continually improve future writings. Thank you.

Check out this website.   http://www.diyornot.com/

For the novice, it gives a rough estimate of the cost of doing home improvement jobs yourself (in case you wish to tackle a kitchen or bath remodel) or are hiring a Pro to do it.  I personally feel that their cost estimates are way on the low side for both DIY and PRO, but at least it’s a starting point. If you are going to hire a “Pro”, here are a the 12 steps to remember.

1. When choosing a Pro, don’t be shy about talking with friends and neighbors about your project to see if they know someone that can be referred to you.  If a contractor does a job properly, he wants the referral business and may often send a referral thank you gift for it.  If you absolutely don’t know anyone that has had a project done or knows a contractor in your area, check out these organizations for referrals:  National Kitchen and Bath Association, www.nkba.org; National Association of the Remodeling Industry, www.nari.org and the Better Business Bureau, www.bbb.org.

2. Ask to see their contractor’s license and check them out on your state’s website, if applicable, as some states don’t require this unfortunately.

3. Make sure they are licensed, bonded and insured. Insured means adequately for the type of work you are hiring them for. The amount of insurance they carry is essentially self-reported/estimated. Some may say they aren’t doing jobs over a certain dollar amount until that job is before them and their insurance coverage then is inadequate.  If it’s a big job, look into a Performance and Payment Bond which insures the money is there to complete the job in case the original contractor goes bankrupt and his vendors and employees will be paid.  Some states have a limited amount Recovery Fund that a consumer can get some of their money back.  If your contract amount is over your state’s reimbursement limit, seriously consider requiring your contractor to get a Performance and Payment Bond.

4. Ask them to see pictures of similar jobs they have completed. Ask them if you can visit at least one possibly two (within last 6 mos to a year) completed projects and a current job site to talk with the owners and also see the level of organization and cleanliness on the job site that this contractor provides and allows. This is a great opportunity to gauge whether you might work well with this contractor pro and also gauge if what the sales person has been telling you is reality or fantasy.

5. As with seeing job sites, have them provide at least three recent referrals from people with similar jobs to yours. (Not just any referrals)

6. Be actively involved in selecting fixtures and materials that will go into your project but always be aware that there are many, many well known brands and some not so well known brands available that are more than adequate for most homes projects.  Also be aware that both types of brands can seriously impact (up or down) the project cost. Make sure you are getting a quality brand that will last and is not cheaply made with less than quality materials or manufacturing methods. If you’ve never heard of the brand, Google it yourself to ensure it has at least a good “web” reputation. Your contractor knows the solid brands out there and they do typically cost more but not always.

7.  Most brands also guarantee their products that should be honored by the contractor. Just be aware that lifetime guarantees on plumbing products don’t include the labor to make that repair. The plumbing companies will gladly send you the replacement parts to install yourself or you hire a contractor to do it for you once the labor portion of your warranty is expired. One thing about toilet warranties, it only covers the porcelain bowl and not the internal working parts for the lifetime guarantee. That’s why some of them say it’s a “Limited Lifetime Guarantee”.  But get a written guarantee for the project being performed and understand what is and is not covered.

8. Try to get as much into the initial contract written estimate as you can which should provide to you a good up-front estimate of the project cost.  For most projects, you’ll get an idea of the cost range from two to no more than four estimates.  Don’t be afraid of contractors requiring a design retainer fee up front to do this estimate, just get estimates from the contractors not charging first.  Many times it can mean that they are busy, serious contractors that don’t want to waste time. This fee also should be reasonable and reflective of the complexity of your project and will not fully pay for the time it takes to put a comprehensive estimate together.  This fee though is not always indicative that the contractor is reputable and/or knows what they are doing.

Complex projects include kitchen, bathroom, whole home remodels, basement renovations and room additions to name a few. Google “Cost vs Value” report for 2010 or 2009 for the latest nationwide general estimates of what these complex projects have averaged throughout the country by region. This will be a good indicator of what cost range your project is likely to fall under.  The fee should include a comprehensive estimate to include the name and brands of the products being used in the project and a computer generated drawing from many angles of what the project will look like when it is finished.  Don’t pay if you don’t get this and you aren’t allowed to make changes without additional cost up to a number limit to the changes, I recommend three meetings to discuss any changes at each or moving forward with the project with them.  Don’t expect to be able to keep the drawings and written estimate if you don’t go with them.  They should be available for your review on request either in your home or at their offices.

9.  Once the estimate is completed, try to get the contractor to give you a guarantee on the price quoted.  If you both did your jobs and the estimate is thorough, he should have no problem doing this.  It does not include any changes you wish to add or make later.

10. Let’s get back to my initial statement in #8 above, getting as much into the initial contract which includes Change meetings to come to an agreed upon price for your project.  If you do this and both your contractor and you have included as much as you want to get done within the cost estimate budget then you should not see many, if any at all, “Change Orders” for additional work. These Change Orders invariably significantly add to the cost of most projects.

Mostly, this is due to not being able to order materials in a timely manner and have to expedite their delivery to try to fit the build schedule.  Also, it changes the original schedule so the crews or work teams have to be shuffled around to get this additional work completed.  Sometimes, it is as you might suspect to hike the price because the contractor can sense you really want this done.  This is not done by most contractors but happens. Just include all requirements up front and you won’t have to worry about it.

11.  Have the contractor include the start and end dates of the project right on the contract that you will be signing to include the payment schedule.  I have heard many “experts” say to give no more than 10% up front. That’s fine. But have a schedule of payments in writing. Usually, a no more than 10% up front recommendation is for a major remodeling or build project.  It is perfectly ok to also have a payment schedule of 50/40/10, 40/40/20 or even 35/35/15/15 depending on your projects length and scope of work, i.e. your project’s complexity.  It would mean 50% up front, 40% when the work starts and 10% upon satisfactory completion of the project.  Some people hesitate with so much up front but the contractor is acting as your creditor and will be paying for all the material and labor to do the project…up front.  Many “Big Box” retailers require full payment on their in-house credit card with deferred payment for 6 months at 29% interest.  Or a full payment on your own credit card to get the mileage points but you are paying a certain amount right way and getting charged interest on the full amount.

12. If you complete all of these steps, your project should start and be completed with very minimal issues. Remember, I didn’t say, “No” issues.  Things do come up, usually at the wrong time but if proper planning is done it’s usually not the contractors fault.  Many times it happens to be a vendor issue. But that is another discussion.  The contractor will most always try to mitigate the impact to your project when something “comes up”.  Good luck in your project.

If you found this article useful or not, please comment and rate it by clicking on the article title. I want to know what you think and I wish to continually improve future writings. Thank you.

“Carpe Diem!”

Yes. A great budget idea and legislative practices, if I say so myself.  So here they are in no particular order.

1.  I see the state is selling our assets and then will be leasing them back.  They need to talk the federal government into letting Arizona sell the naming rights to the Grand Canyon.  We’d give them a small cut because after all the canyon is in our state.  But maybe they shouldn’t get a dime.  It could be something like The Sierra Club’s Grand Canyon or Freeport-McMoRan’s Grand Canyon…you get the idea.  Of course, for such a high-profile destination the amount should be staggering and for only 10 years so we can reevaluate the continued need.

2. Enacting a law that states before a law can go into effect, the new legislature must record all pertinent details of the intent of the law as clearly as possible to mitigate future interpretations of that law when those who passed it are no longer around to ask.  This would decrease challenges to laws thereby reducing the load on the courts.  And it would, hopefully, enable future interpretations of the law to be closer to the originators intent.  People might say they like having laws on the books being interpreted in new ways not previously conceived. Well, then write a new law to be passed by the current legislature and retire old laws.

3.  Set a sunset clause on laws for judicial review every 20 years or so to ensure they are still valid and not clogging up the system. It’ll give the judicial system something to do now that they are no longer interpreting old laws.

4. Enact or pass a law which holds County Departments accountable and subject to County Administration including all county funds and spending authority.  This would come in handy if there was suspected misappropriation of funds.

5.  Enact a law that allows the County Administrator to have control over all county expenditures including Jail Enhancement Fund money when one time or continuous expenditure is greater than $50,000.  The limit amount can be raised or lowered at County Administrator discretion but no lower than $25,000.

6. Create a state Department of Water Resources position that is cabinet level to create, enact and enforce through state and county police agencies a comprehensive water policy and plan for Arizona.  This would include the meaning and requirements to have a sustainable 100 year supply throughout the state or no development.  Swapping of water rights or allocation banking is not allowed if there is no way to get the water to the location that needs it.

As always, these are first blush ideas that need vetting as to their long term efficacy. Plus they may not even be constitutional even if they are good ideas.

If you found this useful or not, please let me know and rate it. Thanks.

Many, many articles have been written recently about the illegal immigration issue most focused on the new law (S.B. 1070) passed by the Arizona legislature that will become effective in July 2010.  This law focuses on obtaining the legal status of someone the police have had reasonable cause to stop.  Mainly, it does this by asking for corroboration (document proof) of their own statement of  whether that person is in the country legally or not. I have traveled extensively to many foreign countries and none of them would allow me to not have my identification on my person to prove who I am if I am in their country.  If for some reason, I did not have my identification, I would be held until I could prove who I was and that I was allowed in their country…legally.  Many countries require a foreigner to prove they will not be staying by having a return ticket home.

There are many arguments for and against this very divisive issue.  I mention this as a divisive issue because I believe that if articles were written about legal immigration no one would pay much attention. The article only gets press if it refers to the illegal immigration issue.

Why are there so many supporters within the borders of the United States that support illegal immigration?  Honestly, I cannot clearly say because I was born and raised in the United States (U.S.) and don’t have the perspective or empathy necessary to distinguish between being here legally and illegally.  To me, it is a black and white issue but is routinely clouded by illegal immigrant rights activists.  I believe support would dry up in the U.S. if those activists promoted themselves as illegal immigration activists.  Let me take a stab at explaining my thoughts.  As I have lived in many places throughout the country, none used to irritate me more than living in Escondido, CA, where Hispanic looking pick-up truck drivers would drive with Mexican flags (most 3′x5′ or smaller) on their truck all around town. Many would have the Mexican flag waving from the home they live in or from a pole in the yard of the home.  This would irritate me because I believe if you live within the borders of the United States, you should support no other country than the United States.  If you live here and believe in the U.S., you would willingly sign up for military service to defend this country.  I sort of believe that the people driving the pick-ups with their country’s flag other than the U.S. flag would not be willing to step up to the plate to defend the US; quite the opposite by their blatant show of allegiance to another country while living in this one.

Our own laws, as I understand them, cloud the issue enough to allow so-called immigrant rights activists to flourish.  Allowing illegals to have legal representation??? Please!  My thoughts and beliefs are that a person illegally here in the U.S. should be packed up and sent back to where they came from, period.  If they came from Mexico, why are we flying them back?  Wouldn’t it be more cost efficient for the Federal government to rent the bus Maricopa County Sheriff Joe Arpaio has just sitting in the county lot for just that purpose?  Talk about a way to decrease the deficit for the county!  I don’t wish to digress much but I feel the Maricopa County Supervisors are being petty by allowing a brand new bus go unused because they didn’t approve of the expenditure.  Well, as everyone knows who has ever purchased a new vehicle, it isn’t worth as much once it’s driven off the lot.  So, get over it and put the darn bus to use.  People here illegally from let’s say my ancestors native country of Poland would need to be flown back…sorry, but every one of them here illegally no matter how well they can lay tile, or clean my house, or install drywall on the cheap.  All of them to a man should be deported and sent back to where they came from and placed at the back of the line to get back in because they didn’t respect our country or our laws enough to come into it the right and legal way.  This is my main issue against…ILLEGAL immigration.  They didn’t come here the right and proper way.

Now, one more thing about this issue that gets to me is the question from many of where is your compassion for these people?  My compassion has to do with U.S. citizens (mostly), but people who are sick, hungry and need a roof over their heads because of some unforeseen circumstance like a hurricane.  The people here illegally did not come into their predicament due to an unforeseen circumstance.  They brought it upon themselves and now are demanding and having advocates demand that we bail them out.  Such hubris and cajones is what I say.  The nerve of them coming here illegally and then demanding that they be allowed to stay and oh by the way tell me and provide the information for me in documents in my own language and with legal representation.  I say, NO!  Enough of the handouts and ridiculous expenditures.

Instead of the Mexican President coming here to complain about our laws, how about he station his own National Guard (Federales) to prevent his own people and other foreigners from breaking the law and coming here?  Oh, he has enough on his plate with the drug lords and cartels tearing his country apart.  I understand, just remember what they say about those who live in glass houses.  Why is it that no documents or vehicles are checked going into Mexico? They want our tourism and money but expect us to do something, meaning stop any illegal entry into their country of guns and drug money.  We have ponied up aid in the billions.  But with what to show for it?  What is the end game strategy for the Mexican government’s war on drugs? What is their time-line for completion? When will we not have to send billions south anymore? For that matter, what does the Mexican government do with their own oil money?

Alright, I’m going to admit it. The U.S. is by no means perfect. We have our missteps on many, many issues.  It’s what makes us all human and keeps the government, unfortunately, expanding.  I still believe we try the damnedest to accommodate everybody but when you do that, we are no good to anybody.  We need to focus as a country on the fundamentals of what the country stands for and be consistent in that focus and I say enforcement.  Is this the last word?  No, it can’t be because new attitudes and information always comes to light to make an issue clearer and easier to deal with.  This issue is too multi-faceted. I haven’t even mentioned the 14th amendment to the constitution or possibly taxing the money sent out of the country.  How about implementing a high federal sales tax on all sales of 20% knocked down to 8 to 10% if you prove you are here legally?  Well, how about it?

Derogatory comments will be deleted. Lets have a civil discussion as determined by me.  If you found this article useful or not, please comment and rate it by clicking on the article title. I want to know what you think and I wish to continually improve future writings. Thank you.

“Carpe Diem!”

Having to search for a new position has provided me insight which I hadn’t had for quite awhile.  The economy has made it extremely tough to find gainful employment.  It seems to me that the major corporations are playing a wait and see game by hoarding cash and even a few have ventured into merging.  While merging is good news for some industries, what does it accomplish for those employees after the merger that have been laid off?  The workers now looking for work are adding to the high unemployment roles.  Companies that have merged and are laying off staff should provide retraining programs for those let go.  They will not rehire them so they are not really laid off.  Unemployment roles are at new highs and as some companies hire even more are consolidating their positions trying to stay afloat in this economy.  It is difficult for all, company and unemployed alike.  Do we need a government stimulus package to expand the market or do we wait for the market to absorb those on the unemployment roles?  But how long do we wait?  Something needs to be done now for the unemployed so the risk of foreclosure is abated.  When this help will come and in what form is anyone’s guess.  But it can’t come soon enough!

If you found this article useful or not, please comment and rate it so I’ll know and can improve future writings. Thank you.

For many small business owners, providing health insurance coverage for themselves or their families seems to be a very expensive prospect especially if you have health issues.  Some of them are already covered by health insurance through their spouses work or a government program.  Great!  But up to 40% are not covered and are rolling the dice on their own and their families health and wealth.  Many people I speak with say that there is nothing wrong with them so why should I get health insurance? Good question.  Mostly a person should obtain health insurance, especially if they are a small business owner, to cover their assets and not their aspirin as we like to say.  According to the latest Harvard University study of 2007, 62% of all personal bankruptcies in the U.S. were caused by health problems.  The more startling aspect of this study was that a whopping 78% of these bankruptcy filers HAD insurance. This was published in the American Journal of Medicine and in an article in BusinessWeek magazine, June 4, 2009.

Please don’t let yourself become a statistic.  Isn’t it worth the hour it will take of your time to hear what a health insurance expert has to say about getting affordable health insurance for you and your family?

If you found this article useful or not, please comment and rate it so I’ll know and can improve future writings. Thank you.

There are so many health insurance plans on the market today that it’s tough to distinguish between them. Having previously worked within this industry, I know it is very difficult.  The best kept secret going to enable health insurance to be more affordable is the HSA which stands for Health Savings Account.  It is not like an FSA (Flexible Spending Account) which most employers have available and requires you to use it or lose it within the year the money was placed in the account.  The HSA is a medical savings account with tax preference from the IRS making it what I consider equivalent to a medical IRA.  The nice thing about this is that it allows the consumer (you and me) to place pre or after tax money into the account and use it for medical expenses then deduct that after tax from your annual tax filing dollar for dollar. The money placed in an HSA rolls over year to year and accumulates.  If you are like most people, you currently need to meet the IRS threshold of a certain percentage of your income spent on medical care before you can deduct it.  The HSA is either pre-tax money or deductible if after tax money is placed into the account.

The mechanism enables health care to be more affordable because it is usually tied to a high deductible health plan.  It also makes the consumer more aware of the dollars they are spending on health care and most people search out the most cost effective health services once they begin to use this account because they become more conscious of what health care is costing them.  One situation is a person utilizing the urgent care facility vice a more expensive emergency room.  Or calling around and checking the internet before having a prescription filled.  There are cost effective alternatives that are relatively inexpensive you just have to know where to find them.  This holds true no matter what legislation is passed to”fix” health care.

If you found this article useful or not, please comment and rate it by clicking on the article headline. I want to know what you think and I wish to continually improve future writings. Thank you.

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