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This Week's Editorial
Thinking About Health PDF Print E-mail
Written by Trudy Lieberman, Rural Health News Service   

PBMs horn in on doctors’ decisions about your medicines

A few weeks ago Jean, a 64-year-old retiree from Littleton, sent along an email in response to a column I had written. I had told of my friend’s ordeal trying to refill a particular cholesterol-lowering drug that a pharmacy benefit manager, known as a PBM, wanted him to exchange for a new drug. That new medication would have resulted in an out-of-pocket cost increase of more than 1,000 percent

“Oh my gosh,” Jean said. “That sounds like me.”

Her story was a little different but still involved a sales tactic similar to the one my friend experienced.

In September, Jean noticed that the price of a generic statin she was taking had jumped to $29.99, almost six times as much as the $4.72 she paid for 30 pills in August. In fact, the pharmacy where she was getting her medicine had been changing the price every two months — from $14.85 in May to $5 in July, then to $4.72 and finally up to $29.99.

She asked the pharmacist why. “We don’t make that decision about prices. Your insurance does that,” the pharmacist told her.

To read the full article, consider an e-Subscription to the Enterprise. Call 970-854-2811 for details.



Holyoke Enterprise November 27, 2014

 
Extension Corner PDF Print E-mail
Written by Linda Langelo, Golden Plains Area Extension   

Care of poinsettias

Once the mums of fall start to fade, we start thinking about Christmas and the plants of the season: Poinsettias.

Once we purchase these plants, how do we keep them at their best? Think of that tomato plant that you babied all summer long. It does best in warm temperatures with consistent care for light and water. Why? The poinsettia is native to Mexico where they live in well-drained soils with poor fertility. In nature, they dry out before the next watering.

Regular fertilization is not something that the homeowner needs to do once they have purchased their plants. The grower needs to fertilize on a regular basis and stop two to three weeks before selling the plants. If the homeowner continues fertilization after their purchase, then it will reduce the number and size of the flowers and create lanky growth.

In fact, once the plant’s flowers — called bracts — fade and are gone, then the poinsettia needs a rest period. These bracts can last for several months.

To read the full article, consider an e-Subscription to the Enterprise. Call 970-854-2811 for details.



Holyoke Enterprise November 27, 2014

 
Investor Guide PDF Print E-mail
Written by Dr. Harold Wong   

Secret advanced tax strategies

This article will cover a number of tax strategies that are little known to most taxpayers who do not have access to very expensive tax CPAs and tax attorneys who serve the wealthy. I will give case studies where a particular strategy might be used. Future articles will go into more depth about the various strategies and consider other case studies.

Situation No. 1: You are a self-employed individual (Schedule C unincorporated or with a corporation) who wants to save tax. You feel you are paying too much taxes and want at least $17,500 of tax deductions. You are not an employee with a company that offers a 401(k) but need more tax deductions than the $5,500 annual contribution ($6,500 if age 50 or above) limit for an IRA.

Solution: You can have a solo 401(k), also known as the family 401(k) plan.

To read the full article, consider an e-Subscription to the Enterprise. Call 970-854-2811 for details.

Contact Dr. Harold Wong at 480-706-0177, This e-mail address is being protected from spambots. You need JavaScript enabled to view it or www.drharoldwong.com. For his archived articles, visit www.DrWongInvestorGuide.com.



Holyoke Enterprise November 27, 2014