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Termy

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Everything posted by Termy

  1. Termy
    Don't borrow money to invest money. At any interest rate. Ever. The exposure you put yourself in greatly outweighs any gains.
  2. Termy
    Question for the group: I am retiring in one year so it's still a little far out to do all of the medical stuff. I am certain I will have some VA disability as all these years of the Viper have me walking like I am 95. Has anyone accelerated this process or done anything so they have documentation that can be used to get the zero funding fee on a VA loan due to disability? I am not trying to game the system but certainly would like to utilize that benefit if it is indeed legitimate.
  3. Termy
    You started a whole new thread to tell us you don't care? Weird.
  4. Termy
    PM sent. I might have a POC for you.
  5. Termy
    "no restrictions on age and rank to fly helicopters" I have never heard that and am nearly certain that isn't true. I also know (having also flown for the Army) that you can't interservice transfer or have an acceptance of quals of anything like that. I think you are out of luck but I would talk to the folks at Moffett, Patrick, etc and find out for sure. Best of luck.
  6. Termy
    To you all that don't like the later in the career timing of switching to fighters, are you therefore advocating that FAIP's shouldn't get to fly fighters? Somewhat related to this discussion, can someone shed some light on this: we are supposedly all about the "total force" now. If that is the case, why isn't every single 11F staff job open to AFRC/ANG 11F personnel? You see a couple pop up on VRS but I don't understand why every single job isn't listed.
  7. Termy
    I've always thought it should be a biannual event. Yearly is just too much. (But I used to work for an oem manufacturer so I "had" to go every year.)
  8. Termy
    People, please ignore Scoobs. Mods, please ban Scoobs.
  9. Termy
    That isn't what I wanted to hear. Especially from a reliable source on these forums. Dang it.
  10. Termy
    Need some advice: I got my CFII mil comp from the FSDO then like an idiot......let it lapse. I have a current IP Form 8 but want to have my ducks in a row when I go to the FSDO and beg for mercy. Has anyone else done this? Thanks for any tips/advice.
  11. Termy
    Three quick tips: 1) Ignore Scoobs. He is so counterproductive to these forums I can't believe the mods haven't blocked him. 2) When it comes to the Viper unit at Ft. Worth, everyone calls the base "Carswell" 3) If you are interested in Tucson you should PM matmacwc.....he can point you in the right direction. Good luck-I have seen a few crew chiefs end up as Viper pilots.
  12. Termy
    Fwiw I was able to use the "five days to defend a thesis" for one of my on campus residence weeks. It was towards the end of the program so my boss considered it fair game. Then again, I had a great boss.
  13. Termy
    Brilliant. I feel like you're out of your brain on the train. But then again, why should I care? Why should I care?
  14. Termy
    As far as the first part of your question (the terms on the note) it works like this: payments will be on an a normal 15-20 year amortization but when year five ends, you have to settle that loan either by paying it off or finding alternate financing means. (Usually people have built by this time and roll the land note into their construction loan into a traditional mortgage upon completion.) It is also worth asking whoever is selling you the land if they are willing to carry.
  15. Termy
    I would tell them as soon as you knew exactly when you leave for OTS, etc. Letting them know ASAP should be better for them and you. Congrats!
  16. Termy

    USAA

    Termy replied to a topic in General Discussion

    I have probably complained about USAA's savings rate on here before, but I try to never miss an opportunity to do so. There is no reason whatsoever their banking, CD, and money market rates shouldn't be competitive. They aren't even competitive with brick and mortar banks/credit unions let alone internet. It is a massive disservice to its members and I let them know every single time I talk to them. Even with interest rates at nearly all time lows, if you have some cash to park, make sure you shop around.
  17. Termy
    I had totally forgot about that dude in Cosmo. My God.
  18. Termy
    By school you mean PME not Masters, right? DNP is pretty harsh. 162nd getting tough!
  19. Termy
    Don't rule out actually doing a real Masters somewhere. I did the executive MBA from a top 15 business school-every other Friday and Saturday, two weeks a summer, and volunteer exchanges for a week each in Canada, Israel, and China. Ton of work but totally worth it. There were 5 of us in the class that were military-one guy deployed and just deferred his studies for a year. I PCS'd halfway through and just commuted for the last year.
  20. Termy
    Step one to solving this problem is doing away with ART's and converting all full time positions to AGR. That will help a ton. Not likely to happen, but they might just have to.
  21. Termy
    I have about 20% of my portfolio in individual stocks BUT they are all blue chip/conservative dividend payers. Once you own more than roughly 7 stocks (assuming they have betas of near one) your diversity/risk is about the same as the market. So why do I buy some individual stocks? No, I don't think I am going to beat the market-that's a fools errand. I do it because I get a lot more satisfaction and education and enjoy the dividends more. When a major US aircraft manufacturer has news, I read it with great interested. I follow the battle between the two major cell phone carriers closely. When one of my holdings announces they are raising their dividend (something that has been very common the last five years!) I recalculate what the yield is on my original investment and smile. I don't recommend this to anyone unless they have already maxed their TSP/IRA with broad funds.
  22. Termy
    If you are going to transfer a substantial amount of money to a brokerage account ($100k or more), Fidelity will give you 50,000 airline points to DAL, UA, or AA. And you can do it every year. I realize many aren't able to transfer that much, but that is an awesome deal. And their brokerage services are great-I trade regularly with them. (On that note, if you are going to trade a lot, they also have deals with the first 500 trades for free.) FYI: I am not affiliated with Fidelity or anything. I have money with them, USAA, Janus, and Wells Fargo.
  23. Termy
    Understand there are multiple categories of IMA you will need to get smart on. Importantly, a "Category E" IMA (often seen for academy liaison positions and the like) are for POINTS ONLY. Category E IMA positions do not pay other than points.
  24. Termy
    Those would make great groomsmen gifts!
  25. Termy
    He probably means there wont be one weekend where they do all of the interviews. Saw a Montana Herc being towed around the boneyard yesterday.
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