Search found 36 matches

by bovineplane
Wed May 02, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3819

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: 3829

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: 3864

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: 3494

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: 140
Views: 14164

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: 683

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: 1339

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: 3765

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: 7897

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: 7210

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: 7210

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: 7210

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: Investing - Help with Personal Investments
Topic: Military Retirement BRS vs. Legacy
Replies: 7
Views: 761

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: Investing - Help with Personal Investments
Topic: Military TSP Question
Replies: 9
Views: 1064

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: 8218

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: 1846

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: 52143

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: 2593

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: 6182

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: 13259

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: 1400

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: 2780

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: 3275

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: 20389

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: 7051

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: 1064

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: 20389

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...
by bovineplane
Wed Sep 13, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 12375

Re: The 10 year car ownership "rule"

A police car could never last 10 years but a fire truck has a much longer useful life. Not sure I agree. I have a 1996 Caprice. Was Tuscon PD from new in 1996. If I recall from the title search it was PD for 17 years or so. Then through a few private owners before I got it. Paid $1500 for it. Now t...
by bovineplane
Sat Sep 09, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 8676

Re: Luxury car: perception vs reality

but be mindful to set aside $3k annually for routine maintenance, e.g. a set of tires costing north of $5k... Maybe we should define luxury car. I do not know any mainstream luxury car that needs 3k annual maintenance and 5k sets of tires. Yeah BMW's have $1k hoods because each time you open it at ...
by bovineplane
Thu Aug 24, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 9099

Re: School Redistricting - What should we do?

Wait. Moving now may not solve the problem. New districts = new kids = new ratings. Where we live we can apply to take my kids to any school we prefer without needing to live in the district. This may occur with your location. Additionally there are magnet or specialized schools we can apply to. Mov...
by bovineplane
Fri Aug 18, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 9002

Re: DUI lawyer - need advice

Two years ago had similar situation with my BIL. Involved single vehicle accident, urinating on a resturaunt at 2am which was caught on camera, drinking from the toilet while in the holding cell caught on camera. Wife and I helped him out by hiring attorney, not to avoid the DUI but to ensure he had...
by bovineplane
Wed Aug 02, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: In addition to military pension, how much should I save for retirement?
Replies: 13
Views: 2625

Re: In addition to military pension, how much should I save for retirement?

Thanks for the feedback all. Appreciate it. As far as finances, wife and I have tried to combine and it didnt work. It works for us and we are happy this way. A good portion of marriages break over money and I simply choose to be passive aggressive about this. Certainly we could do better but a save...
by bovineplane
Mon Jul 31, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: In addition to military pension, how much should I save for retirement?
Replies: 13
Views: 2625

Re: In addition to military pension, how much should I save for retirement?

Income - yes that is assuming I continue working in the private sector. If I opt to work for the VA then there is a possibility of a second pension and continued deposit into the TSP. In addition to income from a job after retirement I would also collect retirement from the military of $3700/month. ...
by bovineplane
Mon Jul 31, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: In addition to military pension, how much should I save for retirement?
Replies: 13
Views: 2625

In addition to military pension, how much should I save for retirement?

Hello all. First, introductions. Been reading the forums recently but this is my first question/introduction. I am curious how much people think my wife and I should save in addition to military pension? We are a dual income family although I am the only member of the military. My wife is a GS12 gov...
by bovineplane
Mon Jul 31, 2017 5:31 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 73
Views: 7140

Re: Non Stick frying pan

Cast iron. Lodge is great and inexpensive. It will last forever. I cook eggs on mine every day. 10 inch is nice for eggs but a bit small if you cook for a family regularly. 14 inch is nice for big meals but quite heavy. 12 inch I have found to be the most versatile. I think both amazon and walmart h...
by bovineplane
Wed Jul 26, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 4533

Re: Golfers - need to ramp up ASAP!

I highly recommend the book "Ben Hogan's Five Lessons: The Modern Fundamentals of Golf" this book was key to the successes with my game. Good luck! For this event I wouldnt worry and just drive the cart. If you want to start golf then I would start with the book above. Easy read and can be read in ...