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Proud fan of the Washington Redskins, the most racist pro team in the country.

From AFI 36-2110 (Assignments): "2.30.2.2. The date of separation or date of retirement officers are eligible to request under 7-day option provisions varies depending on their grade, whether serving OS or in the CONUS, if they have been notified of establishment of an ASD based on vulnerability for involuntary PCS selection and whether or not they have an unserved ADSC on the requested separation or retirement date. Officers may not request a separation or retirement date which is before the expiration of an ADSC, except as an exception to policy IAW paragraph 1.5. Officers with no ADSC (and those with an ADSC which will expire before the requested date of separation or retirement) may request a separation or retirement date which is no later than the first day of the 12th month following their ASD (mo/yr) or 1st day of the 7th month following official event notification (mo/yr), except:" I read that as having to set a DOS no sooner than the expiration of your ADSC. Since anything is waiversble, it does mention the exception to policy in paragraph 1.5 of the same regulation. I would also recommend looking through AFI 36-3207 "Separating Comissioned Officers" I interviewed with my reserve unit 11 months before I separated and got hired the same day. They were more than happy to give me a intent to hire letter that I brought back and gave to my ISR. Since I just Palace Chased, I would recommend applying a minimum of 7 months prior to requested DOS. My timeline was: 3 months from starting application process until finally approved (party line is 6-8 weeks but mine took 12) 1 month for ANG/Reserve assignment to get loaded...once loaded this allows active duty to finalize DOS, generate separation orders and activate vMPF out processing checklist. 1 month to accomplish out-processing checklist... Yes you can do it faster but you know that some appointments (TRICARE, TAP, etc) are probably only offered 1 to 2 times a month. 2 months of terminal leave...I had just under 60 days of leave saved up. (note: you do get permissive leave when Palace Chasing) Hope this helps...good luck! Cheers, Cap-10

Swanee, For T-45 ops, how low does the Navy allow you to go on MTR's? And how fast? If you're just flying VFR (not on an MTR), what are the Navy's altitude and speed restrictions? Depending on how restrictive the Navy is, you may be better off just building your own VFR LLNAV leg.

Because our role in the eyes of peacetime leadership is to be conduits for the support of local economies that should have been starved out of existence 50 years ago. We are instruments of wealth re-distribution and federal transfers and that has jack to do with national security strategy. We are instruments of congressional delegation pork barrel, bitch whores in essence, to be less formal. There's nothing strategic about where you do your garrison duty . It's all about pork barrel. Mother Blue simply punks you into considering that very dramatic psychological effect as a sunk cost of signing on a dotted line. Nothing new really. But, yes, the AF could go about it in a much better way, if they actually believed these QOL issues were real game changers for people. They presently hold the line that it is not and they throw money at the problem every time they're proven wrong by members separating due to their unwillingness/inability to tolerate it for more than a decade at a time. I agree with you. UAV bases should be placed in better locales. Shopping, jobs and schools. That's what an area needs to have to keep the supporting structure of the deployed member happy. Placing people in CONUS chitholes falls in the category of "fucking with people when they're at home" which continues to be a big driver in the discontent. But read paragraph #1, it's not about you, it's about pork barrel. We all walk at some point.

The credit card answer is in the statistics, at some point you are going to mess up and not pay it off month to month, that's what the credit card companies count on. Do you think real millionaires use credit cards? Most don't, and the ones with the black Amex cards are getting paid to flash it, not use it. I follow Dave, read the millionaire next door if you want the answers to the comments or questions listed above. If not, good luck as a SIM operator after 20 years when your house is upside down, both kids college isn't covered by the GI bill and you only have 100K in the bank, you think those guys want to live in Enid/Del Rio/Columbus?

Advice you didn't ask for and probably don't want to hear, but I wish I had heard it when I was a new Lt: Do not take out any kind of loans. Period. If you want something, save for it. If you need a car, get something you can pay cash for, and then take what you would be paying on a car payment and save that away until you have enough to "upgrade" at a later date. Contrary to popular belief, you do not HAVE to have a car loan/personal loan like it's some sort of pet. Avoid debt and use that sweet income you are going to be making to pile up cash. Start maxing out a ROTH IRA ($5,000/year = $416.66/month). Avoid credit cards like the plague even if they offer sweet sounding "rewards". I know this involves some delaying of pleasure and sounds boring but you are only cheating yourself if you don't start right away. For those of you that would talk about the ridiculously low interest rates and how you can take advantage of them -- well, probably not much I can say to you other than people who are millionaires (which you can be) didn't get there by taking advantage of low interest loans and credit card rewards. If you do insist on borrowing money, pay it back ASAP (like, double-triple payments at a minimum). As a borrower, you are slave to the lender. Finally, the most valuable book (in my opinion, and no, I don't work for him, but I am a huge believer in his ideas) is Dave Ramsey's "Total Money Makeover". Go buy it off of Amazon. Yesterday. Seriously. It's the best thing you can read this early in your career. Best of luck and congrats on making it this far.