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Bojangles

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Posts posted by Bojangles

  1. 30 minutes ago, Danger41 said:

    On this topic, where can you look up when your current use/lose will expire?

    Did you have special leave accrual that allowed you to carry over additional days? If not, just log into Leaveweb or check your LES. It states what your use/lose balance is. You'll lose those days after 30 Sept under the current law. 

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  2. So my family is at WPAFB and we took a decent amount of tornado damage with the Memorial Day storms. Renter's insurance is with USAA. I was pleasantly surprised with their service. I submitted a claim the day after the event. They responded and sent me a payment for spoiled food within 10 minutes of our conversation. They told me to send them a list of all personal property effected. The adjuster called me 30 minutes after I submitted the list asking if it was pre or post tax. It was pre-tax so he added another 8% or so. I received that payment within 24 hours. Overall, I was impressed with the service received.

    • Upvote 2
  3. BLUF: If you opened the CSR card prior to them starting to waive the fee for military (Sept 2017). Send them a message online stating you are thinking of closing your account as AMEX waives the fee on their platinum. They may grandfather you in to the new policy.

    So there's been some mention on here of Chase now waiving the fee on the Sapphire Reserve as of Sept 2017 for accounts opened after that date. Nothing retroactive. I contacted Chase late in 2017 asking to be grandfathered in to that policy as I had 2 accounts opened prior to that date. They declined to grandfather me in.

    Fast forward to a few weeks ago. After a few drinks, I again sent Chase a message through their online system asking them to grandfather me.  I honestly didn't even remember I had asked them before when I sent the message or I probably wouldn't have sent it. I told them that  AMEX was waiving the fee on their platinum card and I would start using that as my primary card if not grandfathered. I really didn't expect anything to come of it as I got a reply back that said they'd contact me by mail with a decision. Around 7-10 days later, I woke up to close to $5k in credit refunds split between two Chase accounts that I'd had for 4-6 years. I got a letter in the mail a few days later stating that they had applied SCRA benefits to my accounts going back to the day I opened them. I put $75-100k a year on the card so that may have factored into their decision. However, I'm not sure why they did it this time and not previously but I'm not complaining. It may be worth trying if you are paying for the CSR.

    • Haha 1
    • Upvote 1
  4. Semi-related question. So just about everything goes off of your home of residence. I've been told before that the background check for buying a weapon uses the state where you are stationed and not the state for home of residence. Essentially I was denied buying a weapon while on leave in my state of my home of residence because they said the ATF (or whoever) would consider my home of residence as an out of state purchase since i actually reside in a different state. That may have came off really confusing but anyone had a similar experience?

  5. 21 hours ago, VigilanteNav said:

    In reviewing this whole thread, I didn't see anyone mention that you can now choose the ROTH TSP option for any TSP contributions.  I will be upfront that I am a firm believer in ROTH IRAs (I chose that option as soon as it was first available...

    The BRS match will always go towards traditional. You can put your 5% election toward Roth but there's no choice for the government match. This is part of reason as to why you can contribute  $19k or whatever it is this year and still receive the full 5% match.

  6. On 1/12/2017 at 7:43 AM, ThreeHoler said:

    My first NBKC loan was sold to Citi. It was mostly good (Citi can't calculate an escrow payment for shit though).

    My second was sold to CENLAR.

    Please, please, please...never sell a loan to CENLAR again. Their website/payment system/communications are terrible.


    Sent from my iPhone using Baseops Network Forums

    Second the CENLAR piece...

  7. 7 hours ago, baileynme said:

    Question for NBKC and/or Trident, do either of you sell servicing on your mortgages?


    Sent from my iPhone using Baseops Network Forums

    My only complaint about using NBKC is who my loan was sold to. In NBKC's defense, they fully disclosed throughout closing that it would be sold. It's also pretty standard for them to be sold, but the company it was sold to has been absolutely horrible and other online reviews support that.

  8. 10 hours ago, Warrior said:

    This seems like an appropriate place to ask this question:

    How do you put money in TSP above the standard limit? e.g. I already maxed contributions for this year at $18k. Then I got to deploy so the new limit is $53k.  I keep submitting the TSP election form through MyPay and the local finance office said "we don't know, we don't do anything with TSP." And TSP said you can't write a check you have to get the service finance office to send the money in.  

    I expected nothing less, but has anyone had success with this game?

    You're still going to use mypay. Go in and make the percentage elections. It'll give you an effective date. If I made a change today then it'd take affect starting on 1 Jan so it'd be the Jan 15 paycheck before I saw the first deduction from my pay. If you are already at $18k then the only way to get more than that in the calendar year is by doing traditional as roth doesn't benefit from the higher limit.

    Also, make sure that if you choose 92% of your base pay that your pay can support that after any allotments that you may have. For example, if you make $5,000 in base pay and choose 92% then that'd be $4,600 but if you have more than $400 in deductions then the TSP election will likely get rejected and not take anything out of your pay. Click the "traditional election worksheet" link at the following: http://www.dfas.mil/militarymembers/tspformilitary/tspac.html. That worksheet will help calculate the correct percentage to avoid any issues. 

    Annual maximum: The maximum Internal Revenue Code (IRC) contribution elective deferral limit for 2017, which is the combined total of your Traditional deferred contributions and Roth contributions, is $18,000. Also, the IRC annual addition limit for 2017 which includes exempt Traditional contributions as well as Traditional deferred contributions and Roth contributions, is $54,000. Roth contributions may be made from combat zone tax exempt pay as well as post-tax pay, however, the annual limit for Roth remains at $18,000 for 2017 even if you are in a combat zone. Exempt contributions above that amount may only be made to Traditional TSP. However, as an exception to the limits described in this paragraph, deferred contributions may also be made to Traditional catch-up; and post-tax or exempt contributions may be made to Roth catch-up, if you are eligible (see catch-up).

    • Upvote 1
  9. 55 minutes ago, GlassEmpty said:

    Alright, I'm asking a question that is beating a dead horse... But here we go. At Altus, currently the Finance office has stated the standard interpretations of Para 4250 is incorrect. The interpretation that many of us have had is the flat rate is yours regardless of lodging costs. If you have a non-a, flat rate is $105 a day, besides the official days of travel do you not just get $105, regardless of lodging costs? I understood this to be the entire point of the flat rate, being that it motivated the member to find cheaper lodging. Some individuals in our class have lodging for less than $60/day and planned it that way accordingly. Any finance folks on here, or people who think they understand this better, care to clarify?

    Sent from my iPhone using Tapatalk

    If you have a non-a and fall under the criteria for flat rate then you should receive the $105/day ($66.75/lodging and $38.25/M&IE) no matter what as long as you are actually spending something on lodging. I'm not sure how they are interpreting 4250 but the following is pretty clear:

    4250 B 6. Lodging receipts are not required, but proof that lodging costs were incurred shall be required. The fixed rate per diem may not be reduced further even if the actual lodging costs incurred are less than the lodging portion of the reduced per diem.

    Is this Altus finance telling you this? What they say shouldn't matter anyways. If you are TDY enroute then this will be part of your PCS voucher and will go to Ellsworth for processing. They see so many of these vouchers that I'd hope this still isn't a problem. If this a normal TDY from home station then it'll be your own unit approving this. 

    I've been out of the financial services section for a bit so maybe things changed but that was copied from the current JTR.

  10. Just closed with NBKC and was extremely satisfied with the service. VA 30 year fixed at 3.25% with $6k lender credit. Closed in less than 30 days. No other local lender could even come close to that. I had one lender laugh when I told them what I was quoted and even said that NBKC lied or that I misunderstood what they told me. Would definitely recommend to anyone looking to buy or refi.

  11.  

    First off, thank you!  If being "The Man" was a crime, you'd be guilty as charged!  I was able to add the website to the compatibility list and it worked like a charm.  

    Okay, next question for those that might know, the one deployment I was looking for was not listed (though there were two more that I had forgotten about that are not in my records) and I'm almost certain it was filed in eFinance.  I returned from this deployment in 2009 but my eFinance account doesn't go back that far.  Could it have been erased?  My guess is there's another issue.  I have the travel order number from my orders, but I'm not on an AF base or have readily available access to a finance office.  

     

    efinance.jpg

     

    If you call someone from any finance office then they may be able to pull the voucher from the WAWF (wide area workflow) system. They'll need your SSN and should be able to pull any non-DTS voucher from that system. 

  12. I'm shooting for the June board as well. Your AFOQT scores aren't too far off my first try. I'd retake as soon as you can. You may want to check if you can even apply with a 13 verbal. I thought the minimum was 15 but I could be wrong.

    I was picked up by a heavy unit at Pope AFB for pilot. I found out not too long ago that I was DQ for eyesight so I think I'm going to accept a NAV spot.

    As far as your question on med/SG, the ANG process may be different then the reserves, but I was sponsored then went to MEPS. DQed after MEPS but prior to my flight physical by someone...I'm still not entirely sure who DQed me. Then at FCIA the flight doc said that I would have no problem getting a waiver for a IFCI for pilot.

    Good luck!

    First Try:

    Pilot-79

    Nav- 52

    AA-35

    Verbal- 18

    Quant.- 55

    PCSM- 84

    Second Try:

    Pilot- 96

    Nav- 70

    AA- 77

    Verbal- 72

    Quant.- 73

    PCSM- 92

  13. Well, since someone already brought this post up...i'll add to it for other people future references. Salliemae no longer does pilot training loans...I used the company Pilot Finance just a month ago. Your flight school can get setup for free. It was very easy to setup and they really try to get everyone approved (that's coming from my flight school). The interest rate wasn't the best (16.8%- max is 18%) but being only 20 y/o with no cosigner, I can't complain too much. They do offer a program where if you make all payments on time for the life of the loan...you get a certain amount of interest paid back...so in my case after the refund my interest rate equals out to around 14% which isn't too bad for an unsecure loan.

    www.pilotfinance.com

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