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September 5th, 2008Compare savings
Smart Buys Drug-wise - Tips, Techniques and Strategies For Achieving Huge Savings on Drug Purchases
While Americans pay a staggering $125 billion a year for the most high priced prescription drugs in the world, the giant pharmaceutical companies enjoy the most massive profit margins of any industry in the nation. Moreover, drug prices, which doubled during the decade of the 90s, continue to rocket skyward. With prices continuing to soar, how much more can you afford to pay for drugs you need to safeguard your health and your life. The amazing truth is, there are lots of little known ways for you to achieve phenomenal savings on all your medications. Smart Buys Drug-Wise tells you exactly how you can free yourself from big drug company price gouging and save a fortune on every drug you buy.
Author: Lee Brian Haak R.Ph., Rick Melcher R.Ph., Deborah S. Romaine
Hardcover: 510 pages
Company: Harbor Press (2003)
List Price:
Amazon Price: $32.00
Used Price: $6.22
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While Americans pay a staggering $125 billion a year for the most high priced prescription drugs in the world, the giant pharmaceutical companies enjoy the most massive profit margins of any industry in the nation. Moreover, drug prices, which doubled during the decade of the 90s, continue to rocket skyward. With prices continuing to soar, how much more can you afford to pay for drugs you need to safeguard your health and your life. The amazing truth is, there are lots of little known ways for you to achieve phenomenal savings on all your medications. Smart Buys Drug-Wise tells you exactly how you can free yourself from big drug company price gouging and save a fortune on every drug you buy.Author: Lee Brian Haak R.Ph., Rick Melcher R.Ph., Deborah S. Romaine
Hardcover: 510 pages
Company: Harbor Press (2003)
List Price:
Amazon Price: $32.00
Used Price: $6.22
(more...)
Compare Savings Rates - Financial Calculators from Dinkytown.net
Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy! (more...)
Compare Savings on Compare Savings
Natrol Carb Intercept w/ Phase II 60 caps $12.00 to $13.00 (Natrol Inc) Carb Intercept® supports a low-carb lifestyle by neutralizing starch ... (more...)
Cheapest Savings accounts information
Compare all types of savings scheme, Monthly, ISA's, Easy Access, Children's accounts and Expatriate's accounts (more...)
High interest savings accounts | ISAs | Investments ...
Compare thousands of savings and ISA accounts including cash ISAs, easy access savings and investment bonds with moneysupermarket.com? (more...)
Lloyds TSB - Compare Savings Accounts
Compare the different savings accounts side by side to help find the Lloyds TSB savings account that suits your needs. (more...)
GMAC Bank : Compare Savings Products
High Interest Rates for CDs and Money Market Accounts. Easy Access, Secure, FDIC Insured. Open an account today! (more...)
Compare College Savings Option
Compare CollegeInvest 529 Savings Plans to trust accounts, Coverdell education savings accounts, Roth Individual Retirement Accounts, U.S. savings bonds and other taxable accounts. (more...)
Compare 529 Savings Plans
Several state-sponsored 529 college savings plans feature Vanguards funds and services. This tool allows you to compare a plan associated with Vanguard to all other 529 plans. (more...)
Compare Univest Savings Accounts
With your interest in mind, we offer a variety of insured savings, money market, and certificates of deposit accounts. Anytime Online Savings (more...)
Compare Savings Rates
CALCULATORS Compare Savings Rates Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates ... (more...)
Resolved Question: Home Renovation Loan?
We are planning to buy a foreclosure and want to renovate it. The cost of house is between 300-310K and the cost of renovation will be around 30K. We are first time home buyers but we are going to put 20% down payment. We will still be having some money for the repairs and renovation. I am not sure it will be good to use our savings for this purpose. Can we add renovation cost in the mortgage and save with lower mortgage interest as compared to separate loan from the bank? What is the best possible way to finance this renovation project?
Thanks a lot!!!
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Resolved Question: Is it better to put my money in an ISA with lower interest rate or a standard savings at a higher rate?
My current ISA has dropped to a stupidly low rate and the alternatives are all a bit rubbish... ING offers
a Savings Account at 5.0% for 12 months (with a 2.17% bonus) but their ISA only has a rate of 3.69% for 6 months... How do I compare the difference?
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Resolved Question: What would be the best Savings account deal in my town?
I live in El Dorado, Arkansas. I am shopping around for a savings account for my local clubs funding. Which is the best?
First Financial Bank
?Opening deposit of $25.
?No monthly service charge unless balances falls below $100, service charge is $3 per month.
?Unlimited transactions in person, by messenger or by mail.
?Transfers from a Business Statement Savings account to another account or to third parties by preauthorized, automatic, computer, or telephone transfer are limited to six per month with no transfers by check, draft, or similar order to third party. An excessive transaction fee of $3.00 will be charged for each electronic transfer to a third party in excess of six during the month.
?Interest compounded and credited quarterly.
?Complete quarterly statement.
?Free Internet and Telephone Banking.
Business Statement Savings may be used alone or in combination with Business Checking. It will help you conveniently keep track of your money while earning interest.
Timberland bank
Offers tiered interest. Your interest rate increases as your savings grow.
Funds are insured to the limits established by the FDIC.
Opening deposit is only $50.00.
Simmons First Bank
?Earns interest, compounded quarterly.
?Quarterly statement.
?FDIC insurance.
?Free direct deposit of Social Security and Retirement Checks.
?Free notary service.
Unlimited deposits. Benefits and features subject to customer qualification and approval by Simmons First.
*$100 required to open account.
Bancorp South
?No minimum balance to maintain or monthly service charge
?Immediate access by making deposits and withdrawals at any time
?Interest is calculated on the daily collected balance and credited semi-annually
?Also, ideal for a child's first savings account
Six debit transactions during the semiannual statement cycle are allowed. A $5 withdrawal fee will be assessed for each excessive withdrawal over six.
Regions Bank
Compare Accounts - Savings
Features & Benefits Regions LifeGreen Savings
Opening Requirements LifeGreen Checking account
$5 with an automatic recurring monthly savings transfer from a Regions checking; Otherwise, $50
Interest Bonus 1
Interest Calculated Compounded daily, paid monthly on collected balances
Interest Tiers $0 - $2,499.99
$2,500 to $9,999.99
$10,000 to $24,999.99
$25,000 to $49,999.99
$50,000 +
Use as Overdraft Protection Yes
Service Charge None
Service Charge Waived When N/A
30% Discount on Safe Deposit Box2
Regions LifeGreen Savings
Accounts subject to the Regions Bank Deposit Agreement
1.A monthly automatic transfer of $10 or more from your Regions Checking Account to your LifeGreen Savings account is required to earn a 1% interest rate bonus. The bonus is paid on the average monthly balance for the year and paid on the anniversary of account opening. Maximum annual savings bonus of $250.
2.Subject to availability.
First Financial Bank
Timberland Bank
Simmons First Bank
Bancorp South
Regions
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Resolved Question: Need Help with Phone Number Change?
We are switching to time warner cable because they have a great deal compared to att on all their services. The savings per month are incredible. All went well until they told us that we have to change our home phone number. We asked them if there was any other way to keep our phone number and they said no, because of something to do with E911 and related things.
The problem is, too many people know our current phone number. And also doctors, schools, billing, etc. Is there any way to at least inform the important people/companies about our phone number change other than manually calling each one and telling them about our phone number change?
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Resolved Question: what would you do right here?
i turned 18 in october. i put 2 thousand dollars in a CD account. i have 2 thousand left in my savings/checkings. i have 1,200 in my employee stock account. i wanted to start a 401k at work but you have to be 21. im currently paying for school about 400 a month. is there any other investments i should do or should i just wait until i start my 401k and stick with CDs for now? depending how my accounts look after i get taxes back i was gunna compare rates and see if i should move from savings account to money market account. what would you do?
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Resolved Question: what would you do with this?
i turned 18 in october. i put 2 thousand dollars in a CD account. i have 2 thousand left in my savings/checkings. i have 1,200 in my employee stock account. i wanted to start a 401k at work but you have to be 21. im currently paying for school about 400 a month. is there any other investments i should do or should i just wait until i start my 401k and stick with CDs for now? depending how my accounts look after i get taxes back i was gunna compare rates and see if i should move from savings account to money market account. what would you do?
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Voting Question: just wondering about this?
i turned 18 in october. i put 2 thousand dollars in a CD account. i have 2 thousand left in my savings/checkings. i have 1,200 in my employee stock account. i wanted to start a 401k at work but you have to be 21. im currently paying for school about 400 a month. is there any other investments i should do or should i just wait until i start my 401k and stick with CDs for now? depending how my accounts look after i get taxes back i was gunna compare rates and see if i should move from savings account to money market account. what would you do?
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Resolved Question: Interest rates...math question?
I have a math assignment to do X( and basically I have to find the best possible interest rate for $1625. I'm trying to understand this: http://www.tdcanadatrust.com/accounts/compare_savings.jsp [scroll to the bottom] but I really don't get it. I was looking at the Youth Account and it says the interest rate is calculated by day [huh????] and then I was looking at the last part, Interest Rates, and I don't get it at all. Can someone please help me???
Thanks :D
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Resolved Question: In a water heater, how much energy would be saved if ALL the water was touching the heating element?
What I'm really trying to figure out is, in rough/general terms, how much energy potentially could be saved if the surface area between the water and the heating element was maximized to the fullest theoretical amount. For instance, if the volume of water was flattened out over some gigantic (in surface area) heating element so that every bit of water (every molecule, I guess) was touching it, all of the water would get it's heat directly through conduction from the heating element, without relying on convection to spread the heat. I know some heat is wasted through convection because it is converted into mechanical energy. In addition, convection takes time, which means any other inefficiencies in the system will be exacerbated. And there may be other benefits to increasing surface area that I'm not aware of.
I do not need precise figures or equations (though I'd love to know them, if you feel like discussing that). I just want to know if the potential savings are anywhere near as big as I think they may be. It seems to me, compared with heating water in a tank or even a small pipe, the potential increase in surface area to volume ratio of water is almost infinite, or at least extremely large, and therefore the potential energy savings are extremely large. I know there are going to be problems with the practicality of creating/using a device with essentially all of the water on the surface, and I'm trying to figure out how much "energy" I should expend trying to figure out how to do it! Thanks.
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Resolved Question: Editing help......???
If you have a few minutes to spare, could anyone please, please help me edit my paper.
For many years, people have been debating how medical insurance should be paid: Whether private payment or government payment or some combination.
Private payment means one would pay for ones own insurance. Government payment would mean the government pays for ones insurance. If the government were to pay for ones insurance, it would limit ones abilities. Also, Government already has to cover Medicare, Social Security, Government housing, the Federal Housing Committee, and the collapse of the Financial Institutions. To a lot of thoughtful people, the only way to fix the health insurance crisis in the United States is to get the federal government to cover everyone.
In most states, individuals can be denied coverage for any number of reasons, so it is wise to request and compare more than one individual health insurance quote. The extra short-term effort that's required to apply for individual medical insurance plans is easily worth the long-term savings. If one is insuring ones family, as opposed to just oneself, there are some additional considerations to take into account. Even if one does receive coverage through an employer-sponsored health plan, one should consider the cost-saving benefits of switching to a family medical insurance policy or moving some of your family members off of your group policy into a family policy.
Most Americans receive their health coverage through some type of group health insurance. Although large corporations with hundreds or even thousands of employees have the bargaining power to negotiate with medical insurance companies for custom health plans for their workers, the small business owner must still research options and compare prices from multiple providers. Since small business health insurance offers guaranteed coverage to all employees in a given company, it can be difficult and time consuming for a small business owner to find the best policy. Most major colleges and universities require their full-time students to have medical insurance. While many of these same schools also offer their own student health plan, it is wise to explore his or her options. Typically the school will provide the minimum requirements that a health policy must meet in order to waive coverage under the school's policy. As a senior over 65, one is likely covered under some combination of Medicare plans. Changes in recent years to the federal government's medical insurance program for seniors has created a complex system with rigid enrollment timelines.
Currently, we have a mixed system, where the government heavily intervenes in health care. In Canada and Great Britain, they have fully governmental health care systems, but a black market of private medicine exists. The government regulates which drugs are available on the market, through the FDA and through the agencies that fight its War on Drugs. Currently, drug companies are granted monopoly privileges called "patents" that give them the exclusive right to sell their drug for 17 years. A few years ago, Congress passed legislation which actually outlawed the importation of cheaper drugs from other countries and prohibited the federal government's health insurance programs (such as Medicare and Medicaid) from negotiating for lower prices. This provision was repealed by the Democrats after they won control of Congress.
Britain, Canada, Japan and a number of other rich countries do so, and they each spend less money on health care than the United States does. They also do not have major companies, like General Motors, flirting with bankruptcy in large part because of the cost of health benefits
Health insurers made $100 billion in profits last year, and industries of that size are just not legislated out of business, said Jonathan Gruber, an economist. The party that controls the White House and Congress also opposes the idea. Republicans have their own utopian notions, which generally involve letting loose the free market for Americans to demand better care on their own. The discussion has basically been paralyzed for years. In the meantime, the problem has grown worse. In the United States, forty-six million people lack health insurance, according to the most recent estimate, up from thirty-one million in 1987.
Massachusetts changed the terms of the debate. Governor Mitt Romney, a Republican, and the State Legislature, controlled by the Democrats, reached a deal to cover almost everyone in the state. The plan will cut the cost of health insurance for families that do not have it and make it free for many poor families. The state will also require every resident to have insurance or face a stiff fine. The plan breaks free of the usual ideological shackles by dealing with both of the big reasons that nearly one- sixth of the U.S. population lacks insurance. One, many people cannot afford it. Two, some who can afford it imagin
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