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Should I Get Out of the Military, or Stick Around for

Offer Details: Most experts agree that to ensure your retirement funds will last a lifetime, you cannot take out more than 4 percent of your capital each year. If you wish to increase your retirement income each year to keep up with inflation, a 3 percent withdrawal from capital each year is a more reasonable figure. To replace an annual pension of $20,052

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Home Depot Military Discounts

Offer Details: The last 3 or 4 times I’ve been there I’ve received 10% off one item and saved maybe 50 cents. Definitely recommend Lowes who gives you 10% off of everything. Never had a problem. Howard Fulwiler says. May 24, 2021 at 2:07 PM. I went to aHome Depot today and selected 3 light fixtures. They refused my military discount and I showed

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100 Off 50 Off free whOpper

Offer Details: $50 Off any single LED TV totaling $699-$999. $100 Off any single LCD, LED or plasma TV $1000 or more. free whOpper Buy one Whopper at regular price and get one free. Kid’s Meal Deal $5 Off any concession, kiosk or cart purchase totaling$30 or more. $100 Off Whirlpool or Maytag appliances over $500. 50% Off any single Gerber feeding item. 20% Off

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Details of the 4% Safe Withdrawal Rate

Offer Details: First, you could live off portfolio dividends and never touch the principal. However, instead of a portfolio that’s 25x expenses, you might need one that’s 30-50x expenses. A portfolio heavy with dividend-paying stocks may be more robust over the years, but its volatility can be breathtaking during a bear market (even though its dividend

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Don’t Buy A Home When You Leave Active Duty

Offer Details: The new job takes the pressure off the transition fund, and you still have a lot of research to do. Perhaps during terminal leave (or the first few months of your new life) you could send the working spouse ahead to find a small apartment, rent an AirBnB bedroom, or even couch-surf with a friend. You could schedule the household goods packout a

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Military Members & Real Estate: Rent, Buy, or Live on Base

Offer Details: Moving off-base is not a simple decision. Even if it seems to be the right choice for you and your family, then renting or owning is another complex lifestyle/financial decision. Once you’ve decided those questions, then you still have to ensure your housing costs are within your means and that you’re saving the excess.

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TSP withdrawal options

Offer Details: You’d immediately be subject to income tax on the amount you withdrew, plus a 10% penalty for an early withdrawal. Maybe you think you “need” the money to pay off debt or to start a business, but there are other ways to accomplish those goals without cannibalizing your retirement. —– Break to the “withdrawal options” —–

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How NOT to do it: Applying for VA disability years after

Offer Details: After getting his medical file in 2019, we realized why — the report the Board went off of contained nothing about a spinal contusion, etc. Didn’t even mention the accident. in 1983, side x-rays (never taken prior) showed clearly 4 sublimated vertebrae. He …

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How to Maximize the BRS If You Decide to Opt-In

Offer Details: Paying off a house is very noble, but I highly recommend having a financial advisor and accountant help you make the decision whether it’s worth taking a lump sum to do that because there are multiple levels of impact from taxes, loss of future dollars, …

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What The VA Really Does With Your Disability Claim

Offer Details: This is the final part of a three-post series on why you want to file a VA disability claim (even if you think you’re not disabled) and what goes on behind the scenes.The first post explained why you want to file your disability claim, not just how to file it. The second post explained why you should prepare as much of your claim as possible up front as a “fully developed” package and

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Should You Join The Reserves or National Guard

Offer Details: I’ve had the opportunity to go to Malta to fix a ship, bust drug smugglers off the Panama coast, earn a warfare qualification, serve on the Joint Staff, and sail (yes “sail”) on USS CONSTITUTION. I’ve been able to earn a master’s degree through the Naval War College and a second through National Defense University. My current job is

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You Should Strongly Consider Not Participating in the

Offer Details: If I put the money elsewhere, would I be better off? Let’s take this one step at a time. Options. You have a couple of options. First, you can invest in SBP. Second, you can take the money you would have invested in SBP, and put it somewhere else, such as an investment or insurance policy. Let’s take a look at some of the most likely options:

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Tricky Details Of The Military Blended Retirement System

Offer Details: First off it appears from utilizing the calc, the matching is only based on what a reservist gets in a weekend Drill Pay !! not on their Base pay. That’s BS, It should be based on my base pay the same as active duty and I should be allowed to contribute up to 92% of my base pay per month or until I hit the maximum allowed for the TSP annually.

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40 miles for Tricare Prime

Offer Details: (just my two cents…sorry if I went a little off topic.) Reply. Doug Nordman says. March 2, 2013 at 1:40 AM. Thanks, Brandy, let us know what you decide to do and how it works out! For those who haven’t seen the Time article yet, here’s a link to the print-friendly version:

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Should You Choose Medical Separation Or Retirement From

Offer Details: Most of my e-mail this month has been about military retirement and disability compensation. Three different readers write: Reader #1: I am a Reserve member with 18 yrs 10 months of qualifying service. 12+ years are active duty time. I was just mobilized and was injured during training. The injury is listed as a grounds […]

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Military Retirement From The Individual Ready Reserve

Offer Details: I have done a lot of research, both online and in person, and few sites have this much good information compiled in one space. In many cases, the military HR support is lacking in knowledge and/or motivation, especially when it comes to getting answers about non-traditional or “off …

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Will The Military Pay Off Your Student Loans

Offer Details: Will The Military Pay Off Your Student Loans. Author: Doug Nordman Last Updated: July 12, 2018 4 Comments Advertiser Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any other entity.

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Sea story: the Admiral Rickover interview

Offer Details: None of us mids dared nod off or be outrageous enough to leave the room for a drink of water, let alone to ask for a cup of coffee. We pretty much sat there watching the only thing moving in the room– the second hand on the clock. Every few minutes a staff member would enter, call a name, and the lucky mid would shoot to his feet to follow

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Joining the Military During a Drawdown

Offer Details: Contact me or Nords if you are a Marine in need of a paycheck because you got laid off or are between semesters. s/f. Reply. Doug Nordman says. March 21, 2013 at 6:18 AM. Absolutely, thanks Rob! Reply. Deserat says. March 20, 2013 at 12:40 PM. Traditionally the Reserves is a ‘stay put’ type of military career. Very few Reservists move

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Military Discounts Are Not Entitlements

Offer Details: Before the Veterans Day retail craze kicks off the holiday shopping season, I’d like to share this important reminder from Rick Kuehn of GruntRoll. Please remember why the holiday exists and thank your local veterans.] So, you’re like me. You walk up to the register at a popular retail store; there are three people in line behind you.

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Myths Of Military Retirement And Early Retirement

Offer Details: If people are put off by your early retirement instead of being happy for you, then perhaps they’re not such good friends after all. Most retirees keep in touch with only one or two of their former co-workers. You’ll find new interests to share beyond office talk. You’ll have plenty of new free time to spend with family, relatives

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Surprising Secrets Of Slow Travel

Offer Details: (I’ll pay it off in 2040, just before my 80 th birthday.) Our rental property now has reliable cash flow (with a vacancy rate under 3%). The COLA on my military pension has risen over 28% while our spending has declined. The dividends on our equities have risen faster than inflation (as they’re supposed to do).

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Military Survivor Benefit Plan

Offer Details: Maybe your survivor’s budget doesn’t need your pension if they don’t have to pay the mortgage. Instead of paying 30+ years of SBP premiums, you could accelerate the payoff of the mortgage (before you retire) or buy term insurance (or, um, mortgage insurance) during retirement until the mortgage is paid off.

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Military Discounts On Flights

Offer Details: The second is through Delta Vacations, which offers anywhere from $50 to $200 off flight bookings to any place “Delta Vacations” flies. That’s great because it includes overseas locations, too. Go to Delta’s Military Page on their website and submit your military email address.

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How To Get Kicked Out Of Tricare

Offer Details: I’ve carried a military ID card since 1978. I’m financially independent. You would expect that I’d understand my benefits by now, but a few months ago I was nearly dis-enrolled from Tricare for not paying my premiums. To make matters even worse, I managed to thoroughly screw up our college daughter’s Tricare benefits. I’ll explain […]

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USAA, Victory Capital, And Schwab

Offer Details: They have the objective member-satisfaction survey data (and financial results) to prove it. Your policy being subbed to Nationwide was a cold-hearted risk-management decision to lay off that risk on Nationwide (who may or may not have made a smart decision to take it) while reducing the risk of your policy to the rest of the USAA members.

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Reserve Military Pension for "Discharge" Instead of

Offer Details: The pay base is multiplied by the percentage and rounded down to the whole dollar to get the monthly pension amount. E-8 retired awaiting pay: $5415.10 x 37.5% = $2030. E-8 discharged: $3112.30 x 37.5% = $1167. Back to the reader’s question: the Reserve unit discharged you without counseling, so they could be hypothetically be accused of

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Military Retirement With Enlisted And Officer Service

Offer Details: Lastly, If you follow what I’ve provided, please ensure you stay in contact with Pers-835, Pers-912, and DFAS Retirement to ensure the flow of information matches or you can cut off any wrong paths that your entitlement process may go. I hope my experience helps. Doug please chime in if you can speak to my current situation too.

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Maximizing Your Thrift Savings Plan Contributions In A

Offer Details: Of course if the TSP shuts off your traditional TSP contributions when you reach $18,500 then please let me know. I’ll query the DoD BRS office and the TSP’s legal staff. Reply. John Cooney says. September 2, 2018 at 1:33 PM. This is a great overview and a huge advantage for deployed service members to take advantage of. I just gave a

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Extreme Home Improvement: The Finances of Your Residential

Offer Details: Grid-tied, not off the grid. Most residents dream of having unlimited power and no electric bill. A few fantasize of “firing” their utility company and maybe even having electric power after an earthquake or a hurricane. However, there’s a price to pay for going “off the grid”, and the engineering is …

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How to Afford Hawaii's High Cost of Living on a Military

Offer Details: The rent for the basement unit is $1600 for a 650 sq. ft. one-bedroom. However, I have to pay 4% GE tax on the gross, which is $64/month and my utilities are probably $50/month more. As a result, the net off-set of the rental unit is $1486/month. The $2886 mortgage would be off-set by $1486 of rent and the new owner would be left paying $1400

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From The Mail Buoy: "The Truth Behind Budgeting- It’s Not

Offer Details: Maybe deprivation is a worthy pursuit of a short-term goal (like finding a better job or paying off credit card debt) but it’s unsustainable. Military families are keenly aware of the line between frugality and deprivation. (Mostly because we have too much experience with deprivation.) Frugality makes you feel challenged & fulfilled.

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Covering a Mortgage in Retirement

Offer Details: Two years later I retired. In 2010 we finally closed on a 30-year fixed-rate mortgage of 3.625% that will be paid off when I’m 80 years old. Each mortgage refinance has paid for itself ( lower payments minus the closing costs) within a few months to a few years. Over the decade our mortgage payments have dropped by over 40%.

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The "Fog of Work"

Offer Details: This essay caps off the book’s first seven chapters of ways to leverage your military career & benefits for financial independence and retirement.. I wrote it after an exchange with Tomcat98 at Early-Retirement.org.We realized how often the daily grind of work gets in the way of planning, let alone recognizing new opportunities or being able to break free of the routine.

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Comparing E7 Retirement Pay: Active-Duty Versus Reserve

Offer Details: You’d use the O-4 High Three average for 20 years of service and the O-5 pay scales at the maximum longevity (>22 YOS). The O-4 active-duty pension would have a big head start (particularly if you invested the money or used it to pay off today’s debt) but in your 80s the O-5 pension would be gaining. In lifespan terms it’s probably a tie.

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How Do You Survive A Stock Market Crash

Offer Details: We try to reduce that to “0 out of 20” by various schemes like “just one more year” or “the 3% SWR” or “living off the dividends and never touching principal”. However, the best way to avoid those rare failures is with some annuitized income from Social Security or a SPIA or dividends.

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Lifestyles In Retirement: 90 Days In Spain

Offer Details: Rota is surrounded by resort communities that entertain large beach crowds in the summer, but the winter weather has lows in the 30s and highs in the low 60s. Many of the local shops are on off-season hours, and at least one large grocery store seems to be closed for February.

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Military Retirement and Discharge Paperwork

Offer Details: Sometimes a skill will be left off your DD-214 because “it’s not in the system” or “you don’t have that rating” or “you don’t have that specialty code”. The processing clerk may be correct in this assessment, but they’re rarely in a position to do anything about it.

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"I'm setting a good example by working at

Offer Details: I get every weekend off, plus every other Friday (thanks to a compressed schedule), and you can set your watch by my arrival time home every day. Between vacation time, every other Friday, holidays, and vacation days, I get 160 days off per year. I like to focus on the positives of that, and not the 205 other days per year.

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The "What's Up Next

Offer Details: It’s a difficult conversation. You won’t want to talk about it with your family, and you’ll keep putting it off. When you finally do bring it up, your parents won’t want to talk about it either. They might not only put it off but could even shut down and be offended at your apparent intentions.

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New Year's Resolution: joining NFCU, PenFed, and USAA

Offer Details: They make it very easy to compare loans and lenders as well as to decide whether to refinance a mortgage or pay it off. Pentagon Federal Credit Union. NFCU may be leading the parade as the nation’s largest credit union, but PenFed is the scrappy little underdog nipping at their heels.

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