Search found 59 matches

by bovineplane
Sun Aug 18, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason NOT to drop SGLI?
Replies: 9
Views: 885

Re: Any reason NOT to drop SGLI?

You don't have to wait until you leave active duty to apply for a new term policy. I picked up a second policy 8 years ago and am retiring from AD this year. Policy is with USAA. $500k policy for $25/month. Part of the policy is a military rider that allows upon separation an automatic addition of $...
by bovineplane
Thu Aug 08, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Korea early Dec
Replies: 7
Views: 625

Re: Korea early Dec

Lived in Korea for a year. At the airport you can purchase a tmoney card. This card works for the subway and high speed trains which are excellent. Machines are right at the exit/entrance to the train. Get some local currency. Nice to have not so much for tips but there are lots of street food optio...
by bovineplane
Sun Jul 21, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 8870

Re: C8 Corvette - who is buying?

I don't yet feel comfortable enough to invest in a car like this. I'm about 100k in liquid net worth short. If I were, it would be a very, very difficult choice between a rally prepped Subaru STI, that '65 Goat, and this new C8. As you said invest, wouldn't the only choice be the gto? Hold it 10-15...
by bovineplane
Sat Jul 06, 2019 7:27 pm
Forum: Personal Investments
Topic: Gold & Silver in a portfolio
Replies: 61
Views: 2940

Re: Gold & Silver in a portfolio

We have gold/silver although we don't count it as part of our "portfolio" I guess. I only buy it when I can pick up gold or silver eagles below spot. This happens when eBay has a coupon code that works on coins not found in coin or bullion section or when one of the mints offers coins at a discount...
by bovineplane
Sat Jul 06, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Internet/cellphone service woes..
Replies: 12
Views: 1393

Re: Internet/cellphone service woes..

Comcast will give a new customer much better pricing than it gives an existing customer. So call and tell them you're canceling service because you're moving. Hang up, call back (or go online) and set up new service under your wife's name. You'll get at least 12 mos. of promo pricing, probably $20-...
by bovineplane
Sat Jul 06, 2019 1:30 pm
Forum: Personal Investments
Topic: Gold & Silver in a portfolio
Replies: 61
Views: 2940

Re: Gold & Silver in a portfolio

We have gold/silver although we don't count it as part of our "portfolio" I guess. I only buy it when I can pick up gold or silver eagles below spot. This happens when eBay has a coupon code that works on coins not found in coin or bullion section or when one of the mints offers coins at a discount ...
by bovineplane
Sat Jul 06, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: FERS credit for Active reserve time
Replies: 16
Views: 1716

Re: FERS credit for Active reserve time

I feel like an idiot asking but do you have a link to the part of the DFAS website where I request this? I see where I can request my LES which I have done in the past and they sent me a 2 inch thick stack of paper that is barely comprehensible. Maybe this is the MMPA that you're talking about and I...
by bovineplane
Mon Jun 17, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4337

Re: how is Home Depot's contractor service (for a water heater)?

We had a water heater replaced two years ago. Got quotes from Lowe's, hd and a local contractor. Gas water heater 50 gal tank. Lowe's and hd were both several hundred higher than the local plumber all in taxes, fees, permit, etc. At the same time Lowe's and hd were cheaper on direct purchase on the ...
by bovineplane
Tue Jun 11, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3844

Re: Which shaving cream / oil?

Proraso. I prefer red or green tube. I use Crew shave oil but truthfully, olive oil is cheaper and works just as well. Could always add your own scent if you don't like natural olive oil. Proraso aftershave. I haven't found much need for an expensive brush, they are softer but don't seem to make bet...
by bovineplane
Sun Jun 09, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: FERS credit for Active reserve time
Replies: 16
Views: 1716

Re: FERS credit for Active reserve time

Request an MMPA from dfas. If you are not familiar it is a document which shows each day of the year you were on some sort of pay status. Each code indicates a different pay status. The codes you want are "50" and "60". Those indicate active duty days. The ADT days are coded as 50 which count as act...
by bovineplane
Sat Jun 01, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Painting Cabinets - Is it that hard ?
Replies: 38
Views: 3079

Re: Painting Cabinets - Is it that hard ?

We did it in a rental. Wood stained cabinets we painted white. We did the same as you were quoted. Doors off. Degreased as kitchen cabinets, especially near the stove, have a light coating of cooking remnants/oil. Sanded lightly. Then painted. In the end we were happy with the results but it did not...
by bovineplane
Mon May 27, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 11599

Re: House not selling

We live in a newer neighborhood. Moved in when it was less than 50% completed. Rented the first four years. During that time we watched lots of house list re-sale and languish on the market for months to a year or more. At the same time new houses by the builders sold very quickly. Incentives from t...
by bovineplane
Sat May 25, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Am I a sucker to pay for a new roof?
Replies: 24
Views: 2414

Re: Am I a sucker to pay for a new roof?

We owned a house built in the 80s that needed a new roof. Called a few companies for quotes. First two both said the same thing, hail had "damaged" the roof and recommended I call insurance. We were young, insurance sent an inspector who agreed and the roof was covered. Didn't seem right but at the ...
by bovineplane
Sun May 19, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: New Car in Texas or Illinois
Replies: 10
Views: 1093

Re: New Car in Texas or Illinois

You will pay local sales tax in IL then a sizeable registration/tax when you move to Texas when registering your car. When we moved to Texas 6-7 years ago it was a large expense we had not counted on. Our cars were used and we had owned them several years, didn't matter, still had to pay the bill.
by bovineplane
Tue May 14, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Pay myself for pilot training or invest them?
Replies: 18
Views: 1276

Re: Pay myself for pilot training or invest them?

You can join the Army off the street as a pilot. Program used to be called "street to seat". Google US Army aviation recruiting. If you are healthy and can pass the flight physical the army will train you through commercial rotary training and give you 6 years of flying experience. After getting you...
by bovineplane
Sun May 12, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4998

Re: Move out or stay at my parents?

Move out. Only you can decide if the duplex or another place is the right answer.
by bovineplane
Sat May 04, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: balance transfer for student loan repayment
Replies: 5
Views: 374

Re: balance transfer for student loan repayment

It can be done but you have to be creative. Many cards won't let you transfer student loan debt any longer. Trick if you want to head down this path. Cash advance from cc#1 for student loan balance. Immediately request balance transfer from cc#1 to cc#2 offering 0% intro balance preferably zero fee....
by bovineplane
Sat May 04, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to increase deductions on a rental property (HELOC?)
Replies: 15
Views: 868

Re: How to increase deductions on a rental property (HELOC?)

If you have been a landlord previously you may already be familiar with this info. While you live there, you treat the home like an owner and maintenance is low. When renters live there they treat it like a rental and seem to find ways to spend your money on maintenance. Under ideal conditions you h...
by bovineplane
Sun Apr 21, 2019 12:09 pm
Forum: Personal Investments
Topic: Actual steps to take to maximize TSP contributions while deployed
Replies: 8
Views: 733

Re: Actual steps to take to maximize TSP contributions while deployed

I can't speak specifically to your question but I will add info that may help. The TSP tracks tax free deposits and will update the tax free info on your tsp account. Somehow the system knows what is tax free and what isn't. While I have consistently maxed out my account when possible on my CZTE dep...
by bovineplane
Wed Apr 17, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: $25K Whole Life policy for daughter - $130/year - keep it?
Replies: 66
Views: 8720

Re: $25K Whole Life policy for daughter - $130/year - keep it?

What about the death rider for the purchaser of the product. We have a similar policy purchased by wife's mom. Unfortunately not long after she purchased it 12 years ago she passed. The rider kicked in paying up the benefit until my son turns 18 or 21. I forget specifically. He is 15 now. We have no...
by bovineplane
Wed Apr 03, 2019 9:03 pm
Forum: Personal Investments
Topic: Leaving First Command Tax Repercussions
Replies: 28
Views: 2195

Re: Leaving First Command Tax Repercussions

Just want to add, run, don't walk from first command.

As bad or worse than EJ that preys on military by hiring former military members as 'advisors'. They haven't changed much since the class action days. They simply can't prey on post now.
by bovineplane
Tue Mar 19, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Buy or lease new car
Replies: 24
Views: 2512

Re: Buy or lease new car

Use CarMax to your advantage. Offer is good for 7 days. Last car I sold I got the quote and scanned it to my car ad/eBay add. Sold it for a touch more than the tax advantage from trading in and I didn't have to negotiate with the dealer two separate purchases - buying new car and trading in the old ...
by bovineplane
Sun Jan 27, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: wise to invest in a house or multi family out of state?
Replies: 6
Views: 678

Re: wise to invest in a house or multi family out of state?

Unless you are very familiar with where you are buying and know an excellent property manager I would avoid buying a distant rental out of state for a 10 year retirement plan.
by bovineplane
Wed May 02, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 4840

Re: Not Wasting Food

Best thing we ever did was learn to cook by making a grocery list based on recipes we picked out. Wife and I were tired of grocery shopping without a plan and seemingly still going out to eat most nights. We buy 5-6 meals per week. Allows us to grocery shop once per week. We buy fresh. Helps limit i...
by bovineplane
Sat Apr 28, 2018 4:46 am
Forum: Personal Finance (Not Investing)
Topic: AF pilots and retention bonus, glad you stayed or happy you went?
Replies: 27
Views: 4642

Re: AF pilots and retention bonus, glad you stayed or happy you went?

O-5 retirement is higher than $3500 a month. 20 year O-5 is 9k per month base pay. Right now I think O5 first look is 18 years. Hard to plan promotion rates 10 years from now but with current pilot shortages I would guess safe to assume getting selected. Then the discussion is punch out at 20 with 1...
by bovineplane
Thu Apr 05, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 4196

Re: Any hardworkers here who half-a** at work?

You can't have a top 10% without a bottom 90%.

You know what they call the person who finishes last in Med school? Doctor.

The person flying your airplane may have barely passed flight school and they still call him pilot.

In all jobs there are top performers and bottom performers. All jobs.
by bovineplane
Thu Mar 29, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy? Military Doc. What would you do?
Replies: 46
Views: 3958

Re: Rent or Buy? Military Doc. What would you do?

In 21 years AD my list of Brigade Surgeons: neonatologist, pediatric oncology, cardiac interventionalist, radiology, e-med, neurosurgery, occ health, psychiatry. Never say never to the Army pulling you to a 2 year out of hospital assignment despite the rarity of your sub-specialty. Another odd job I...
by bovineplane
Wed Mar 14, 2018 1:22 am
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 147
Views: 19030

Re: New Car: Ever make sense to lease?

Agree with leasing rarely makes sense. Here is one case where it does that has not been mentioned. Member of the military. Deploys regularly. Leases can be turned in prior to deployment without any of the fees for breaking a lease. Why does this makes sense? Putting a car in storage still suffers de...
by bovineplane
Fri Mar 02, 2018 5:38 am
Forum: Personal Finance (Not Investing)
Topic: GI Bill transfer to dependents
Replies: 5
Views: 830

Re: GI Bill transfer to dependents

The ADSO runs concurrent, not consecutive to any other ADSO you have. There are minimum time in service requirements prior to transferring. Once you cross the TIS requirement the benefit can be transferred. Not sure if re-allocation or adding a new dependent extends the ADSO or not. Hope this helps.
by bovineplane
Mon Feb 26, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Advice needed for ARMY medical issue...
Replies: 13
Views: 1546

Re: Advice needed for ARMY medical issue...

AD PA. There is information missing here that a random internet forum could not possibly provide you good advice. Below is just an example scenario and should in no way be construed as your son's situation. If your son has a legitimate condition that needs specialty care he will be referred to the a...
by bovineplane
Wed Feb 14, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter’s College & Grad School Expenses -Nurse Practitioner
Replies: 51
Views: 4220

Re: Daughter’s College & Grad School Expenses -Nurse Practitioner

This push from the NP governing body for a PhD for nursing seems a bit silly. I am a practicing PA. We are mid level practitioners, same for NPs. If I wanted the fancy term 'Dr." I would go to med school. She is looking at 6+ years of school to become an NP. Any good financial analysis would show th...
by bovineplane
Sun Feb 11, 2018 1:53 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 9865

Re: Does it ever make sense to buy a new car?

The used market might surprise you. Drove my last truck for 9 years. Went to buy a replacement and priced 2014/5 Silverados. The used trucks were the same price as a new 2017 with incentives. I shopped Carmax, various dealers, online quotes and private purchase. Cheapest I could find was a 2015 with...
by bovineplane
Mon Feb 05, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 9532

Re: Change in "career", PA or Optometry?

Now, my question regarding preparedness to become a PA is this one. What is the best "career" I can consider to gain the hands-on patient care hours/experience that is required for entrance to the program? I figured I might as well start with a job where, if for whatever reason I cannot keep moving...
by bovineplane
Mon Jan 29, 2018 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 9532

Re: Change in "career", PA or Optometry?

Addition the APN above notes - look at phlebotomy for the patient contact hours. Low barrier to entry. Some are work when/how much you please because they are short staffed. Pays better than CNA (and no butt wiping). I have seen some good hourly pay for phlebotomist in high demand areas. 2k hours I ...
by bovineplane
Mon Jan 29, 2018 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Change in "career", PA or Optometry?
Replies: 79
Views: 9532

Re: Change in "career", PA or Optometry?

I went from Pilot with BS in Aeronautics to PA. Still fly although a much less cool Cessna 172. Was a good switch. Not as cool as being a pilot but also not as subject to to swings in the aviation industry business cycle. Cant speak for optometry. Maybe in my next career.
by bovineplane
Mon Jan 22, 2018 7:25 am
Forum: Personal Investments
Topic: Military Retirement BRS vs. Legacy
Replies: 7
Views: 953

Re: Military Retirement BRS vs. Legacy

Previous changes to the retirement system have no applied to those who entered service under legacy systems unless they opted into the new changes. OP is likely secure from future changes unless something catastrophic happens and the government defaults or cancels pensions. In that case we have much...
by bovineplane
Sat Jan 20, 2018 3:53 am
Forum: Personal Investments
Topic: Military TSP Question
Replies: 9
Views: 1285

Re: Military TSP Question

Just confirming they do cut it off. Makes for a nice December check when nothing is taken out.
by bovineplane
Fri Dec 08, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 9008

Re: Bitcoin now the largest quantifiable bubble in history?

Many of you are new to Bitcoins. Check out the charts since it was created. It has 'bubbled' before and popped. Not quite this big but it still blew up in short order before tumbling back to relative obscurity. It will tumble again before muddling along for a bit and blow up again and repeat. The la...
by bovineplane
Fri Dec 08, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Acts of war term insurance?
Replies: 17
Views: 1957

Re: Acts of war term insurance?

You mentioned leaving in spring - call USAA now and ask for a quote. The coverage remains in effect while you are stationed overseas. They require a physical and if you are CONUS they can complete the physical in less than a week. Rates are reasonable and all billing is through the USAA site. If you...
by bovineplane
Tue Oct 31, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 57644

Re: USAA 2.5% Cash Back Credit Card

Hopefully they dont take mine away :P
by bovineplane
Wed Oct 25, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Why A NFL Football Player Drives A 26 Year Old Car
Replies: 10
Views: 2724

Re: Why A NFL Football Player Drives A 26 Year Old Car

IIRC his grandmother sold him the car. When he played for the Redskins and the story was published Mazda rebuilt the car for him for free. The 5.5 million is not his first contract as he played with the Redskins for a few years. His total earnings to date minus endorsement money is closer to $7 mill...
by bovineplane
Tue Oct 24, 2017 6:36 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 6768

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

Pick a fun older car that is just starting to appreciate or approaching the bottom of its depreciation. Last year I sold my Porsche 944 S for $6500 after paying $4500 for it 3 years earlier. Did some routine maintenance and a timing belt which was less than the $2k increase in price. I didnt really ...
by bovineplane
Wed Oct 18, 2017 4:35 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 14107

Re: Converting to Safety Razors

Another fan of DE safety. Merkur long handle with Astra superior platinums on sale for $12-13 for 100 and change them every other to every third day. Proraso cream (red tube) lasts for months. Bottle of shave oil might last near a year. I shave 6 days a week unless I am on vacation. I keep some feat...
by bovineplane
Wed Oct 18, 2017 4:21 am
Forum: Personal Finance (Not Investing)
Topic: Any Red Flag with Canceling Federal Employee Health Insurance?
Replies: 11
Views: 1523

Re: Any Red Flag with Canceling Federal Employee Health Insurance?

My wife is a federal employee and cancelled her insurance. I am AD and have Tricare. In our case we at first had both as my wife wanted more choice on doctors, treatment not on post, etc. What we found was her insurance really was not not very good. It took primary and Tricare secondary. As Tricare ...
by bovineplane
Tue Oct 10, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 3139

Re: When to buy new tires? - penny or quarter test

Depends. If you base in on pure tread depth then it depends on where you drive with the tires. Primary town car where speeds are rarely above 45 the less tread isnt a huge deal. Lots of highway or rain/snow/mud and tread depth is much more important. As an aside, what I find more lately is good tire...
by bovineplane
Mon Oct 02, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 3662

Re: camping trailer...need to change vehicle?

Looking online is not accurate for determining tow capacity. Inside the drivers door there should be a colorful sticker with PSI ratings for tires. Also on the sticker is the weight ratings for this particular vehicle. Giving a generic "van should town 3500 pounds" is not the correct answer. Saying ...
by bovineplane
Sat Sep 30, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 22333

Re: My boneheaded financial mistakes

Kept repeating the cell phone contract nonsense for years until Sprint raised my plan one too many times in 2010. could you clarify the cell phone nonsense? just to make sure it’s not something we are doing on accident 😳 Switched from contract carriers to non-contract carriers. First was Straight T...
by bovineplane
Thu Sep 28, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 7719

Re: My Smartest Financial Moves

Signed up for the TSP the first month it was available for military personnel. Been contributing ever since. Pay my cc off in full every month before the balance is due to avoid interest. Moved to the cc after my debit card was stolen after using at a gas station and my checking account was drained....
by bovineplane
Thu Sep 28, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Suggestions Regarding Foot Orthotics
Replies: 6
Views: 1174

Re: Suggestions Regarding Foot Orthotics

Depending on the condition, I am not familiar with any research that shows custom insoles are any better for foot pain than off the shelf. If you review the financial statements of the Podiatrist that sell them it may reveal a different story.
by bovineplane
Wed Sep 27, 2017 4:24 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 22333

Re: My boneheaded financial mistakes

Bought metricom and worldcom because I couldnt get enough companies that ended in com. Luckily it wasnt much money and I was young. Bought a house in Late 2006. Even talked with the wife that we were not comfortable with the market, new construction seemed like junk for the prices being charged. Fin...