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HossHarris

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Everything posted by HossHarris

  1. HossHarris

    USAA

    Having just lost nearly everything in hurricane Michael... here’s a few tips for Florida gulf coast homeowners insurance (sidebar): - You are likely underinsured. Rebuilding a house is $150/Sq ft at a minimum. - You are definitely underinsured in additional structures. - Opt in for 50% law and ordinance coverage. The standard is 25% if you do nothing. This extra pot of money will save your ass in several situations. It’s cheap. - Get replacement cost coverage (not actual cash value) for your personal property. It’s a bit more expensive than the L&O bump up to 50%, but worth it. - Read the text of your actual policy...and keep up with year to year changes to it. Pay particular attention to named storm exclusions. You can get different underwriting, riders, separate policies, etc. to fill the holes you find. - When the disaster happens, and it will, step 1 is read your policy again in detail. Welcome to redneck paradise! Stay off my fishing spots.
  2. HossHarris

    The new airline thread

    At delta, and I think other majors are very similar, you start losing money around year 2 and it’s real money in year 3. That being said, from a purely pragmatic standpoint, it is a powerful tool for managing your airline schedule. In the olden days, folks would stay in the reserves forever to have that scheduling power. With the seniority movement these days it may not make as much sense to lose that money. And there are the intangibles. Continuing to serve means a lot to some.
  3. HossHarris

    The new airline thread

    I’ve been sitting reserve oct 18 through present. I’ve worked zero actual hours. I’ve been paid about 360ish hours. So about $62k gross with zero actual work. Zero. We’re currently overmanned on my plane in my seat. I’m on year 2. Its been wonderful. My effective hourly rate for actual work performed in 2018 is up around widebody captain. The grass is greener.
  4. HossHarris

    The new airline thread

    Depending on the airline, healthcare can be rather spendy! Like 6-9 hundred a month for a family with large copays and out of pocket. Anything you can do to offset that cost will help!
  5. HossHarris

    Questions on the GI Bill (Tuition Aid)

    -Culinary school. Learn how to feed yourself. -Take a year or 4 off and be a full time student. Get another useless bachelors degree. Maybe major in sailing ... or scuba diving .... or psychedelics.
  6. HossHarris

    The new airline thread

    The other thing to plan for money wise is there will be a lot more fingers in your pie (sts). You may be able to get your gross pay back to “normal” on year 2, but a lot more come out of it. Union dues (2%), health insurance ($600/mo if you don’t have tricare), out of pocket health care costs (significant), vision, dental, life insurance, retirement contributions (your choice, but should be significant). No BAS, BAH. I have tricare (retired) and still only pocket about 60% of my gross airline paycheck.
  7. HossHarris

    The new airline thread

    New guy flying will be similar at both .... narrowbody domestic multiple legs a day. At southwest, that will never change. If you’re fired up about widebody international, go interview with United. FedEx is a different animal, but worth consideration .... especially if you’re not a fan of the general public. Everyone is hiring .... it’s a good problem to have
  8. HossHarris

    The new airline thread

    2 weeks off paid at delta the first few years. While on vacation, you can’t work...even if you wanted to As previously mentioned, off days are off days. The big big blue retirement check allows me to bid 3x 4-day trips a month when I choose to bid a line. That gives me weekends off all month, and a full 10 day stretch off somewhere in the month so I can actually get some shit done (or fish) I chose reserve over over this winter based on the manning tea leaves. So I still get 14 or so hard days off every month. Days that I’m on I just have to be able to get to Atlanta in 12 hours .... so pretty flexible. But since 1 Oct I’ve only had to “work” 6 days. 2 days of CQ and 4 days of short call (be within about 2 hours of Atlanta). The short calls were unused .... so after a 7 hr sit in/around Atlanta I went Home. So yes ... there’s absurd amounts of “time off” ... you’ll be able to have these cool things you’ve only heard about on AD called hobbies. They’re neat!
  9. HossHarris

    The new airline thread

    Delta does as well....in some cases. There are ways around it. If you want to maximize your pay, especially early on, you will be working* a lot. *-on the road. None of it is really work.
  10. HossHarris

    What's wrong with the Air Force?

    If the bad guys don’t know you’re there .... or can’t do anything about it if they do know ... you can linger as long as you like, or as long as fuel allows for an air breathing asset.
  11. HossHarris

    Happy 2019! May your exit dreams come true!

    There are many wickets to run thru to both leave AD and gain into the guard/reserves. None are cosmic .... but you’re not gonna figure them out nor jump thru them in the last week before terminal leave. Start early. Start often. Get scrolled.
  12. HossHarris

    Personal credit card on the road?

    Amex platinum only gets you gold.
  13. HossHarris

    Personal credit card on the road?

    I always Used it for plane tickets via dts....because i couldn’t figure a good way around it. Everything else was personal card. Then moved the split disbursement on the voucher side to only pay Gtc balance and everything else went to my account. 20 yrs, 3 days, zero issues.
  14. HossHarris

    What's wrong with the Air Force?

    Make buffs great again and solve the dilemma
  15. HossHarris

    Part time jobs...

    I hear blimp folding is lucrative ... but seasonal
  16. HossHarris

    Finance Problems

    If you haven’t already, find the first officer up the finance chain on your base. Stop arguing with airmen and NCOs.
  17. HossHarris

    What's wrong with the Air Force?

    Still trying to figure out how they’re all “indeterminate” tdys and not pcs-es
  18. HossHarris

    FY 18 ACP take rate?

    You can be the best of what’s left!
  19. HossHarris

    Concealed Carry

    TL:DR but important note from 3)..... the website is handgunlaw.US
  20. HossHarris

    Concealed Carry

    Handgunlaw.us is useful as well
  21. HossHarris

    Concealed Carry

    On base is wing/cc dependent. It’s getting better, but is not good. State depends on the state you’re physically in and your state of residence. Not much info ... but you have bigger fish to fry in the short term.
  22. HossHarris

    Fighter Pilot in Need of Prayers

    https://www.caringbridge.org/visit/stephengrace
  23. HossHarris

    Promotion and PRF Information

    That’s how I did It. 20 years and 3 days. 100% flying.
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