My spouse is having a lot of health issues and has about a year left of obligation. What are the considerations in pursuing medical retirement vs. disability? There's a laundry list of health issues, some of which stem from a deployment, but the main one is severe, chronic back pain.

Good evening question about BAH if I move from the dorms to on base housing with my friend and his family can I get put on the lease and do split payments with him instead of taking all of his BAH? Hopefully that question makes sense, thank you and have a blessed night!

Can you get reimbursed for pest damage at Military PPV Housing?

background: https://www.reddit.com/r/navy/comments/1cfpms3/liberty_housing_rodentpest_issues/

Hey so as the title implies we are PCSing to Europe. Obviously as you out process and get ready to enter your new base you want to look for housing as it gets pretty booked up from what we’ve heard. Most couples have previous housing leases, apartments, etc. Me and my spouse got married and wanted to roommate with our friend and his mother off post. Her house was paid off but we chose to obviously pay rent to her (through Zelle) to stay. We also was aware that to get BAH and for the soldier to move out of barracks you’d need a lease. We all sat down and suggested making a lease with her permission and signature that we reside there. But when applying on housing.mil obviously it asks for a previous address to set up your profile. The only other address we could list is from when we wasn’t even married or together. He owns a home, and I rented an apartment. We still reside within said roommates home as we’ve been PCSing and discussing what we are gonna do. Will this be a problem in the future of finding a home across seas?

Hello all, I am freshly active duty in the military of about 3 months and had some basic questions regarding credit cards. I have 5 cards through Chase, Amex, and BoA. I've only contacted Amex so far so will just start with them.

I reached out through online chat with Amex and asked some questions about MLA and SCRA benefits. To keep it simple, this is what I inquired about:

Reopening my Amex Platinum I cancelled about 8 months ago due to the annual fee spike. I want it back eventually as I know the annual fee will be waived.

Waiving the annual fee on my Blue Cash Preferred.

Reducing the APR on my Blue Cash Preferred to hopefully around 6%

What occurred:

They could not reopen a platinum account for me. They had no reason other than try again in 90 days.

They waived the annual fee on my Blue Cash, citing MLA benefits

They could not reduce the APR on my Blue Cash, citing something along the lines that MLA doesn't impact APR, and SCRA benefits are not for active duty members, they are for people who opened the account before service but are no longer in the military. At least that's how they worded it.

If anyone has any helpful info on what is the best approach to contact all my credit card companies to get annual fees removed, and APR reduced, it would be much appreciated!

Retirement effective 1 JUL 24. Other than my DD -214, what documents does everyone tend to keep forever? I actually have just about every piece of paper I ever received, including all 240 LESs, for no particular reason. Plus all deployent orders, PCS orders, all OERs, ORBs, OPRs, OPBs (started out Army and did an interservice transfer to USAF). I think 99% of it can be shredded, a few months after I’m out and the dust settles. Anyway, any suggestions?

AND YES! I understand to get that government match. I’m going to be putting 10% into the C fund. But is there anything else I can do differently that would be beneficial than just a normal 401k?

Thank you for your time.

I’m looking into buying a house and want to determine interest rates. Is there a cap on interest rates for a VA home loan?

As a future retired E-7, I could have 14 million in retirement if I invest 20% into my TSP with like a 10% rate of return!

I've had a Capital One CC for 18+ years and my interest rate has been capped at 4% the entire time (SCRA).

Does it just go to whatever the market rate/variable APR rate is after I'm no longer eligible for SCRA?

If anyone has experienced this, when did it happen? Did you get a heads up on what your new rate would be?

Hello everybody, need community help. I’m PCSing soon. My report date is Aug 25th so I’m trying to close on property that I found in city where I will be moving. I don’t have orders yet, and will not have until at least June. NavyFededal is requesting orders to proceed. Anybody has any advice. I already signed contract with closing date June 6th because I didn’t know that Navyfed would refuse to work without orders. 😩

I recently got married to another service member, so I know we are both entitled to BAH. I went to my S1 with my marriage certificate and my 5960 and our lease, which has him as the primary lease holder and me as the married occupant. S1 says that they cannot give me BAH because I don't have an active lease and therefore do not need BAH according to policy. Do I need to be added as a lease holder to get BAH? I called our leasing company and they said for me to be transferred we'd have to pay the application fee again along with me possibly not being able to reside in the apartment due to low credit. (Identity stolen and I'm still fighting the credit card debt which is resulting in a low credit score).

My spouse and I are both active duty and had some questions about BAH. Would we both get BAH for our respective ranks? If we lived on base, would they deduct BAH from only of us or do they take from both? How does all this work? Anything helps, thank you!

Hi all so I’m wondering if anyone has any insights into the requirements for buying a second home with a VA loan while renting out the first one?

I have to move and I have already been pre-approved for a second Va loan using the remainder of my entitlement, but my loan officer stated I would need to have a lease agreement in hand for the first house in order to close on the second.

Has anyone here gone through that kind of process? I’m wondering how strict that whole thing is, as in could I rent it out to my brother who lives in the area?

Hello, I have an issue that I desperately need help with and I’m hoping some of the more military finance savvy people will be able to lend their aid.

I started my college journey in Navy ROTC I was with them for 2 years and screwed up academically which lead to me being removed from the program. Although I lost that initial scholarship but there was still hope. The army ROTC was willing to accept me as a student and place me on their scholarship. It was advertised to me as a way to cover the debt I owed the navy for the 2 years of school they payed for. I continued in their program, was awarded the scholarship, and graduated/commissioned into the army national guard on time with the rest of my peers. Now during the last few months prior to my commissioning a large bomb was dropped on me. A 12,000 debt addressed from the department of defense for my time in Navy ROTC. To say it destroyed my credit overnight would be a tragic understatement.

I called credit reporting agencies, my banks, and the good old DoD financial services but to no avail. Was told over the phone (of course I didnt write anything down due to this happening so long ago) that it was an internal issue when processing the exit paperwork for the navy rotc and that it was noted and passed up for further review and I would be contacted regarding the issue. My credit gradually began to rise and I assumed I would soon be in the clear.

Fast forward to this last tax season. For some reason my tax return was held by the government to pay for a debt. When I contacted the listed phone numbers they couldn’t elaborate on why it was still showing in my credit or how to go about fixing it, only statements saying that they did not have the information to transfer me onward. They also confirmed it was not for student loan payments.

A few more months later brings us to now, my fiancé and I are attempting to buy a house with the VA loan but the preapproval is blocked due to the now $11,000 debt (12,000 minus the tax return check) I do not know who to call or where to go to clarify this debt. If I truly owe the government either time or service then would it not have been paid by garinishing my guard pay which they have access too? Or perhaps it all comes down to false advertising from when I switched over.

I will be calling into the DoD finance office again come Monday but if anyone out there has advice or solutions please feel free to comment or DM me. I am at a loss for words and truly need assistance.

Hey guys, hypothetically if I had $30,000 in my Roth TSP and wanted to withdraw it when I ETS in a few months how much of it would I keep? I understand there’s a 10% penalty so I’d lose $3k and then there’s the potential for bumping up a tax bracket yada yada but do I also pay taxes on it if it’s Roth? Not looking for people to say keep it or roll it over to a IRA I just simply want to know if I have $30k in my Roth TSP and wanted to cash it how much I would actually get. Thanks!

A reinstatement was submitted for my GTC account, how long to reinstate the account ?

Need some insight, I am seeing lawyers next week, but just trying to do some of my own research over the weekend. (Anybody know any good Bay Area Military divorce lawyers??)

Backstory: Unfortunately very quick marriage- currently at 15 months. Wife has consistently claimed I have dragged her across the country after PCS'ing to CA. I am active duty CG E5. No kids, no real estate. Basic young married couple assets: cars, furniture, appliances.

She is claiming she will be entitled to a lot of things, but one thing she keeps saying is I will be owe her back half of the BAH I received during the time we were married (the 15 months), is this true?

We had previously (verbally) agreed during the move, that I would pay 3/4 of rent and all bills monthly, and so now she is saying that the 1/4 she was paying monthly, I will owe back to her now because she's entitled to half of BAH? (She also is saying her lawyer confirms this.)

All I've found so far I think, is upon separation, I'll owe her BAH-Diff + 20% of base pay?

Also if anybody can explain a dummy version of what she can get from my retirement and TSP, that'd be awesome.

I'm already dreading what I'll be shelling out for an attorney, I've told her I would like to use mediation and just pay her what she is legally owed and get it over with, rather than dragging it out and giving lawyers a ton of money, but she has made it clear she is gonna try and take everything from me.

Thanks for any insight.

I have my TSP set at 11% for ROTh. I was looking at all of my 2024 LES and noted that the rate was at 11%, yet nothing was being deducted. I quickly logged on to the TSP Website and lo and behold I haven’t made any contributions for this year for some reason!

1. Was the money actually deducted from my check and just not being deposited to TSP? Could I receive back pay?

2. Best way to resolve this?

I’m air force if it matters.

Hello,

I'm about to list my house with a VA loan (2.375%), with the remaining balance at ~80% of the asking price.

For anyone who has sold with a transferable VA loan lately, what would you do differently with what you learned? Any pre-qualification steps for buyers that you found successful would be greatly appreciated.

I'm aware I may be looking at a 60-90 day close timeline to do a transfer, but I'm not immediately buying on the other end so the timeline is ok.

This is Florida (Elgin AFB area) in case that matters.

Active duty and I want to close on a house in the next month. Curious if there are any alternatives to the “Statement of Service” document. It’s a real hassle to gather so quickly, any recommendations for what I can use instead?

My departure date on orders is June 11.

My lease is up the end of July.

I have already payed last months rent at the beginning of entering lease agreement.

Under the SCBA, when should I give proper notification to landlord of intent to vacate?

If I’m correct it should go like this right? Give official notice May 1st, pay full rent for June. Be out by June 11. Lease is officially ended at end of June. I don’t pay rent for July because it’s already been payed.

Hey guys and girls, I'm new to all this loan and house buying type stuff, I'm currently getting ready to ship out to boot camp for the navy to be a aviation machinist mate, I'm currently leaving my car, my family behind on my great uncles property we are in a tight situation living in our cars, and I've done my research on the VA home loan cause I really want to get myself and my family into a home I heard you need to have at least 90 days active duty to go about getting qualified for a va loan I was just wondering what would you guys do in my situation would a va loan help me out?

Given that AF just brought back warrants, how does that work for retirement?

I'm aware that for commissioned officers, you have to have 10 years as a commissioned officer to retire as such. Is there a similar thing for WO? And for people that are on HIGH-3 (or HIGH-36), does it matter for pay purposes? For example, if I am at 17 years today, go warrant for my last 3, do they just calculate my HIGH-3 and that's it? Or is there more to it?

Im about 14 months out from my planned ETS date. Im a O3 and will have 6.5 years TIS. What do I need to start doing to make sure I'm set when i get out? I already have a 7 month emergency fund and no debt

My wife and I just refinanced last month and paid a $3,000 dollar origination fee. Is that normal? I have heard other people say they refinanced VA loans for next to no closing costs. The rest of the costs associated with the refi were prepaid interest and we had to rebuild our escrow accounts for property tax and homeowners insurance. All in all the principle on our loan went up about $4,000. Dropped from a 7% rate to 5.625%. The payback period for the refi is about 20 months. Any input would be greatly appreciated fellow vets!

Note: Pennymac wanted us to buy the percentage points for about $5,200 and I told them we weren’t going to so I felt like that was a good win just paying the $3,000 origination fee.

Hoping someone can help me because this process is starting to get frustrating.

I medically retired last year and did my final PCS. Submitted all my receipts to my last command and waited. I contacted them about when I would get my reimbursement and they said I had to contact DFAS. They send me a copy and paste line from an email from DFAS stating my case was closed.

I called DFAS and when I told the customer service rep why I was calling she said “what’s that?” she seemed to not understand I was not calling about my regular pay but my PCS reimbursement and got frustrated with me and said I already got paid in May (before my PCS— that was just my regular AD pay).

However she did read off to me what she was seeing and it appears that my command didn’t send off my reimbursement paperwork from what she tells me? So I emailed my former command to tell them what DFAS told me.

Can someone who has actually done this before please explain to me what is the correct procedure is and which person in this system is the person that can get me my reimbursement? It feels like DFAS and my former command are just going to keep sending me back and forth to each other.

Discharged in September, homeless and unemployed for a few months, just got Va rating and some backpay. I have a delinquent debt that was sent to TRANSWORLD Systems. I’m wondering if anyone has experience dealing with them, as they said they offer no solutions for settling the debt, and that they would not take anything less than 100% Does anyone have any info or resources to help me out with this?

I'm in the guard and I'm starting 30 days of title 10 in about two weeks. Once I start my orders can I apply for credit cards and get the fee waived? Should I wait a week into my order set? Can my wife do the same?