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  2. Jon - Trident Home Loans
    If you're still in the 6s...no huge rate drops yet but slightly moving down. Every loan is a little different (credit score, property location, loan amount, VA disability or not and what the market is doing), but I'm knocking out no cost streamline refi's for people as the numbers support it. Here is a one pager and example of one closing this week for anyone interested. So everyone understand it we pay for all the third party costs so for them it was $4,717 so it's completely free of a breakeven. That is the total of section B+C+E on page 2. They were only responsible for prepaid interest for the amount of days in left in the month from when they close because they skip their 1 Sept payment which still nets them ahead. You can see their new loan amount is basically identical to the payoff of their old loan (page 1 loan amount vs page 3 payoff). All they did was finance in the prepaid interest but they could have paid that in cash if they’d prefer. They waived having an escrow account (not required with us) but one can be created if they had wanted one. If so then the current escrow balance gets refunded in cash if they have one too. No tricks or scams. We're in the business of originating as many loans as we can especially for prior clients because relationships matter as a word of mouth business and we build a lot of goodwill doing these. I can then rinse and repeat this for them as rates go down more in the future. If you'd prefer not to restart at 30yrs (most people do) I can keep the same payment but shorten then loan duration down (prob shave 3-4yrs off or so). Hit me up if you're interested or want to get on my radar for future market dips. Jon 850-377-1114 https://tridenthomeloans.com/irrrl/ No Cost IRRRL.pdf No cost IRRRL final CD example.pdf
  3. brickhistory
    Ugh, never mind. Mis-read your title as "California Supreme Court" telling SCOTUS to pound sand. Totally stupid on my part. However, reading the legal synopsis at my link was interesting. Source, please? Only thing I could find is a California Appeals Court, dated July 29, 2025, saying "yeah, but..." to the 2024 SCOTUS decision. Moving from appellate to state supreme court in less than a month is pretty high-speed. California Appellate Court Once Again Upholds “Class-Based” Development Fees and Exactions Despite Reversal by United States Supreme Court - Rutan
  4. pbar
    Isn't that insurrection?
  5. ClearedHot
    If crapping in the streets of San Francisco, rampant crime and extreme taxes were not enough to show you what a mess California is...look at Sheetz v. County of El Dorado. In short - a gentleman purchased a piece of land and wanted to build an 1800' home. The City of El Dorado approved the build but dropped a $23,000 "Traffic" impact fee on him. He fought it all the way to the Supreme Court which rules unanimously in his favor. The California Appeals Court has decided the Supreme Court does not apply to them and reaffirmed their original ruling.
  6. M2
    "Decoy hats!" I had a Wing Commander teach me that one as a lieutenant! 🫡🫡 An extra set of keys helped with the deception!!
  7. Biff_T
    In non AFSOC helos, nobody was safe from a solid Hog. Not even O-6s. Those nasty habits from Pave Low gunners spread to other helos like herpes. Edit: Coincidentally, in AFGSC there's a helicopter ops group alson known as the HOG.
  8. Nukefanatic
    You have a pretty good chance I would say! Your scores are great and looks like you did improve on leadership growth which sounds like what the board wants to see. The waiting is the worst.. I’ve been trying to stay focused on work and other things but I catch myself over analysing my entire package sometimes, wondering if there was something I could’ve done better.
  9. brabus
    Back in the day drawing dicks in a 4 star’s hat and throwing it in the freezer was good to go - probably get you castrated on AD nowadays.
  10. FourFans
    Same in the MAF. The most apt description of some particular artwork I may, or may not, have been a part of was "veiny triumphant bastard" inside our WO's hat.
  11. FourFans
    But....Trump is bad!
  12. ClearedHot
    "Hogging" the inside of a unattended hat was a big practical joke in AFSOC...same in the CAF?
  13. Arkbird
    I was technically a Lt when I applied so I didn't have a lot of first hand leadership (RPA). I will say I had a lot of "first" in my package explaining how I was the first to do something. So it could be in how you frame your experiences as well.
  14. Arkbird
    Best way to do it in my opinion. Waiting sucks but not thinking about it makes it go by quicker.
  15. Justwanttofly
    Not really. I have a rule to submit and forget. That’s what I did when applying to OTS. Now do I think about it? Yes and wish November was here already. But I can’t speed up time. So I’m focusing on still kicking ass at work and football!!! And my family lol.
  16. rotini24
    The waiting is the worst part!! I’m trying to just keep myself busy so I think about it less and maybe the time will pass quicker. For IPT locations, if you go to ETCA and search “IPT” under the AETC courses, you can find the reporting instructions for a bunch of locations. I can’t remember all of them off the top of my head, and they may add more with Vance bringing IPT up too, but that will at least give you a few of the options. Wishing you the best of luck this time around!
  17. Shultzy22
    Is the waiting driving anyone else crazy? This is my second time applying (got CSO in FY23 board) so all or nothing this go around. Have 200+ hours w/PPL, 92 PCSM and 96 Pilot. Was a young LT last time and got feedback from the board to focus on leadership positions/growth. Got a masters, Flt/CC time and now an Ops O position within my unit with all the typical awards this go around. The leadership metric always drove me crazy because we have zero clue how much things are weighted within that 40% (OPBs, Strats, Letter of Rec, 215 statements etc). I’m sure there’s some delineation for how they weigh each item but who knows. Random thought but does anyone know where IPT locations will be? I’ve heard they’re literally all over the US. Anyways best of luck to everyone this go around. November can’t get here soon enough!
  18. bfargin
    More than one Col has left a building with an upside down eagle. Never leave your hat unattended and visible.
  19. brabus
  20. Yesterday
  21. brabus
    Both things you mentioned - TX slots are not plentiful, so what’s the incentive for a unit to (re)hire a guy who’s already by choice stopped flying once before? Especially considering there are likely several other great candidates for that TX slot who haven’t quit flying before and are probably currently flying some other aircraft (recency). That is clearly subjective, but put yourself in a unit’s shoes - you may be a great dude, but it’s still a pretty hard sell to pick you over the other guys (in this hypothetical).
  22. brabus
    My hat looks the way it does precisely because it never leaves the pocket (or is on the floor during laundry). Actually couldn’t find it before the last 3 week TDY and went the whole time without it even in my pocket…proof a hat in the guard is pretty much unnecessary!
  23. Negatory
    That is convenient for you!
  24. Biff_T
    I don't care about the free market as much as you think.
  25. Negatory
    I thought the free market was superior in efficiency to government control or centralized planning? I am learning a lot on this forum.
  26. stlpilot11
    Probably would be easier to take a non-flying job all together rather than going RPA. Probably easier on your chances of flying again.
  27. Biff_T
    Yes. Why is this okay? AI is a big deal. We don't want to come in second in the race for AI dominance. Edit: In this scenario, I don't think it's (government intervention) a huge problem. I mean we have NASA for space exploration. AI and soon AGI will bring an insane amount of change to society. The kind of change that people will kill for.
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