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Whoa that's a dangerous lack of concern for our troops!
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Sep 7, 2016 13:50
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Justin Tyme posted:Booze even, you can get wasted every weekend and STILL not break that budget. Military Special, baby.
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Sep 7, 2016 13:54
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I spent half my time in the army getting out of debt and the other half blowing all my money.
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Sep 7, 2016 16:29
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TBeats posted:I spent half my time in the army getting out of debt and the other half blowing all my money.
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Sep 7, 2016 16:36
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Justin Tyme posted:You know what the Army ought to do? Cut base pay in half and stick that money in a savings bond that the soldier gets when they get discharged for whatever reason be it honorable or otherwise, or free up that money if they go career. Soldiers are too dumb by and large to save money for themselves Savings bonds have too low an interest rate. I propose automatic TSP enrollment to maxout $18,000/year lifecycle fund. Without money to afford anything other than NoXplode and tuna packs we can live the Army lifestyle and watch our net worth climb.
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Sep 7, 2016 16:36
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Crazy Mike posted:Savings bonds have too low an interest rate. I propose automatic TSP enrollment to maxout $18,000/year lifecycle fund. Without money to afford anything other than NoXplode and tuna packs we can live the Army lifestyle and watch our net worth climb. Honestly if the army put half as much effort into finance 101 as they put into SHARP, Accident Avoidance, and that dumb "how to use a computer" class we'd solve a lot of the problem.
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Sep 7, 2016 17:25
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yes i'm sure that a finance class would be completely different from how the army fucks up all those other classes, and all the Joe Schmoes would listen attentively and not immediately get off work to go buy a mustang at 30% interest at the nearest preys-on-dumb-soldiers car dealership. i mean i get what you're saying, but let's be realistic, we're talking about the army here.
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Sep 7, 2016 17:45
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personal finance management classes shouldn't be taught in the army. they should be required in high school.
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Sep 7, 2016 18:23
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spacetoaster posted:Honestly if the army put half as much effort into finance 101 as they put into SHARP, Accident Avoidance, and that dumb "how to use a computer" class we'd solve a lot of the problem. If they put in half the effort, they'd fail 4 times as hard. It's the inverse-square law of the army, the more they try to do anything the worse they become at it. If the army set out to fail at everything forever they'd gently caress that up so hard that they'd be the most successful organization ever.
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Sep 7, 2016 18:29
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Mike-o posted:yes i'm sure that a finance class would be completely different from how the army fucks up all those other classes, and all the Joe Schmoes would listen attentively and not immediately get off work to go buy a mustang at 30% interest at the nearest preys-on-dumb-soldiers car dealership. Icon Of Sin posted:If they put in half the effort, they'd fail 4 times as hard. It's the inverse-square law of the army, the more they try to do anything the worse they become at it. If the army set out to fail at everything forever they'd gently caress that up so hard that they'd be the most successful organization ever. I get the jokes, but classes can work. We initiated a "don't beat your wife" class and there has been a measurable decrease in spousal abuse. It does help. Just so long as it doesn't become a running joke like many other trainings.
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Sep 7, 2016 18:34
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TBeats posted:personal finance management classes shouldn't be taught in the army. They were at mine, and also in Jr High, too. We had to fill out a 1040 for the final
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Sep 7, 2016 18:46
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never had anything in personal finance growing up, and it showed. lucky my wife is an accountant.
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Sep 7, 2016 19:17
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My company commander in Afghanistan was the treasurer for a fortune 500 company. I asked him to teach my platoon a class on basic investing and personal finance - how to use the TSP, how 401Ks and Roth IRAs worked, what a mutual fund was, how credit worked, how interest from both investments and debt compounds over time, how to make a spending plan, etc. About 50% of them still wound up blowing their savings on lifted pickups after they got back.
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Sep 7, 2016 19:30
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Crazy Mike posted:Savings bonds have too low an interest rate. I propose automatic TSP enrollment to maxout $18,000/year lifecycle fund. Without money to afford anything other than NoXplode and tuna packs we can live the Army lifestyle and watch our net worth climb. No. Even if it's a joke gently caress the TSP. You will literally do better by putting your money in a jar and just burying it.
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Sep 7, 2016 19:37
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psydude posted:My company commander in Afghanistan was the treasurer for a fortune 500 company. I asked him to teach my platoon a class on basic investing and personal finance - how to use the TSP, how 401Ks and Roth IRAs worked, what a mutual fund was, how credit worked, how interest from both investments and debt compounds over time, how to make a spending plan, etc. About 50% of them still wound up blowing their savings on lifted pickups after they got back. Did it help you? If so, screw those other dudes. Motto of the Quartermaster Corps: "gently caress you, I got mine!"
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Sep 7, 2016 20:11
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spacetoaster posted:I get the jokes, but classes can work. I'm having real trouble imagining the kind of person that just needed to be army told that beating his spouse was a bad thing. Like, I have no doubt it worked, but just what that particular piece of poo poo would be like as an average guy (I assume in prison).
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Sep 7, 2016 20:11
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spacetoaster posted:
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Sep 7, 2016 20:14
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not caring here posted:I'm having real trouble imagining the kind of person that just needed to be army told that beating his spouse was a bad thing. Like, I have no doubt it worked, but just what that particular piece of poo poo would be like as an average guy (I assume in prison). When I was actually working law enforcement we started seeing a lot of wives being arrested for domestic assault. The reason being that a lot of guys were getting the message about not hitting their wives. Even if their wife hit them first (and there are a lot of wives that will knock the poo poo out of their Soldier husbands apparently) and since the husbands were not responding in kind the wives started going to jail. Success! Ha HA!.............. I don't know what to do about messed up marriages though. 
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Sep 7, 2016 20:37
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My friend shot himself in an argument with his wife. I wish he would have just shot, or hit her. 
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Sep 7, 2016 20:42
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spacetoaster posted:I don't know what to do about messed up marriages though. Maybe not make single life in the military suck so mother loving bad in every last god drat aspect of life, at all times and in all places that there is stupidly absurd amounts of pressure to get the gently caress out of that situation with bullshit marriages to the closest gold digging stripper that knows the military pay scale better than the soldiers? I'm not a big fan of taking stuff away from marriage benefits because some do genuinely help real, actual families in the military. So address the other side of the issue where there is vast and overwhelming incentive in the immediate short term to escape unending streams of bullshit and suckitude by signing up for a paper marriage. It'll never happen of course but it is a solution.
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Sep 7, 2016 21:08
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Soulex posted:I wish he would have just shot, or hit her. Cheer up. That happens a lot too.
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Sep 7, 2016 21:22
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SumYungGui posted:Maybe not make single life in the military suck so mother loving bad in every last god drat aspect of life, at all times and in all places that there is stupidly absurd amounts of pressure to get the gently caress out of that situation with bullshit marriages to the closest gold digging stripper that knows the military pay scale better than the soldiers? I'm not a big fan of taking stuff away from marriage benefits because some do genuinely help real, actual families in the military. So address the other side of the issue where there is vast and overwhelming incentive in the immediate short term to escape unending streams of bullshit and suckitude by signing up for a paper marriage. Who wouldn't want to live in a tiny run down studio apartment with a shared bathroom and combination kitchen/dining room the size of a closet? That's not even factoring in the fact that you get random visits from your boss without warning so he/she can yell at you for using a trashcan. 
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Sep 7, 2016 22:11
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How about a shared bedroom, too. Be accurate.
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Sep 7, 2016 22:13
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I never had a shared bedroom and junior enlisted (with the exception of basic/ait/field), there was a company in my korea unit that had 2 people to a room barracks, there wasn't even any dividers or anything, just a small open room with 2 beds and a sink next to the door to the bathroom.
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Sep 7, 2016 22:17
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Being in debt makes you a stone cold warrior thus we should probably make all recruits max out 2 credit cards, once in basic and the other in AIT
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Sep 7, 2016 22:18
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A response to a young, naive LT after extensively talking about saving for the future only for the soldier to show up in a new Mistang with dumb body kits, "Sir, I'm a soldier in trying to have fun and get chicks not live forever." Also financial planning is literally a graduation requirement at a bunch of AITs if not all of them and it's dumb and boring and the soldiers struggle to even stay awake through no fault of their own.
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Sep 7, 2016 22:32
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Soulex posted:No. Even if it's a joke gently caress the TSP. You will literally do better by putting your money in a jar and just burying it. I'm challenging you on this. What's wrong with the TSP? What it lacks in fund choices it makes up for in lower cost compared to other pre tax retirement accounts. Plus the Army doesn't try to sell active management to you as a shady way to squeeze more fees out of your retirement like my work does. My 12 month performance is 7.3% which is acceptable although a bit less than my ROTH IRA at 11.5% or work retirement at 16-19%. The only way I could see you loving up the TSP is having money invested before the great recession, watching it lose value, and panicking in March 2009 to transfer everything to the G fund. When I started I put everything in the G fund because I didn't know what the gently caress. The basic training financial counseling brief should just straight up direct that unless you know what the hell you are doing you will put everything in the Lifecycle Fund and forget about it.
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Sep 7, 2016 22:35
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Ace of Baes posted:I never had a shared bedroom and junior enlisted (with the exception of basic/ait/field), there was a company in my korea unit that had 2 people to a room barracks, there wasn't even any dividers or anything, just a small open room with 2 beds and a sink next to the door to the bathroom. In Italy I had a room like that. poo poo sucked because the only privacy I ever had was whole taking a poo poo or showering.
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Sep 8, 2016 00:50
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Yeah, if you were combat arms and in Korea, you basically got that arrangement. Also, black mold.
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Sep 8, 2016 00:51
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in germany we lived in old wehrmacht barracks, communal showers and bathrooms, open rooms. my roommate never stayed in our 2 man room, had that poo poo to myself 
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Sep 8, 2016 01:11
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My digs in korea were okay, single room + bathroom with bunk beds. My roommate was my 28-year-old pv2 squadmate that drank like a fish and was passed out 90% of the time. Do they still have BOSS? Our BOSS rep was a married NCO that never did anything ever.
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Sep 8, 2016 01:28
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Boss existed when I was in Korea and they let geobachelors take advantage of it, I went on a tour of some temples and it was alright, but for the most part it was useless.
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Sep 8, 2016 01:35
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Pesticide20 posted:In Italy I had a room like that. poo poo sucked because the only privacy I ever had was whole taking a poo poo or showering. Caserma Ederle's infantry barracks? I was always envious of the HHC fuckers who got their own room, a common area, and kitchenette, but at least I wasn't one of the lucky ones crammed 3-4 into a room until they could find space.
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Sep 8, 2016 01:59
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Stanley Goodspeed posted:Caserma Ederle's infantry barracks? Yep. I was in D Co 1-503 and my first barracks building was one of the single story buildings by the MPs. After my deployment I got to stay in one of the lovely two story buildings next to the BN HQ building. Both were poo poo. gently caress those assholes that got to live in building 173.
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Sep 8, 2016 02:03
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Checking in with my DD-214. 2 Pages. Sweet enough VA rating that I don't think I will ever worry. It's been real Army. Off to College!
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Sep 9, 2016 10:02
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Good luck, hail Satan, gently caress the Army.
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Sep 9, 2016 12:47
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FISTS CURE WOMEN posted:Checking in with my DD-214. 2 Pages. Sweet enough VA rating that I don't think I will ever worry. It's been real Army. Off to College! Welcome friend. Enjoy your weed. Enjoy your beard. Enjoy putting on 20 pounds. Enjoy peepin' butts. Enjoy being lazy on a Tuesday. Enjoy life. Get a dogge if you don't have one
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Sep 9, 2016 12:50
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FISTS CURE WOMEN posted:Checking in with my DD-214. 2 Pages. Sweet enough VA rating that I don't think I will ever worry. It's been real Army. Off to College! 
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Sep 9, 2016 13:13
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FISTS CURE WOMEN posted:Checking in with my DD-214. 2 Pages. Sweet enough VA rating that I don't think I will ever worry. It's been real Army. Off to College! 
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Sep 9, 2016 13:51
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FISTS CURE WOMEN posted:Checking in with my DD-214. 2 Pages. Sweet enough VA rating that I don't think I will ever worry. It's been real Army. Off to College! 
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Sep 9, 2016 14:43
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