|
Hekk posted:Yes That's stupid. VA acting like we're don't need money to live just because we attend online. I am not near any college of any kind to attend physically, and so I'd have to spend money to move near one. How stupid
|
#
?
Jul 28, 2021 13:31
|
|
|
|
| # ? May 17, 2024 06:49 |
|
|
lite_sleepr posted:That's stupid. VA acting like we're don't need money to live just because we attend online. I am not near any college of any kind to attend physically, and so I'd have to spend money to move near one. I think the stance there is that if there are no major universities near you, it’s likely you are in an area with a lower than average cost of living. What is the BAH rate of your zip code compared to what you’d get from going online?
|
|
#
?
Jul 28, 2021 17:39
|
|
|
Thing is I don't want to stay here. If I can't find a job in the foreseeable future, and if I can't pass this aPHR exam, the idea is just to get my retirement pension and go to school in the Marietta, GA area. Where I am now, E6 with dependents is 1,518. Marietta is 2,385. To me, it would make more sense to just enroll in school around Marietta, get my pension and buy a modest house. Does that make any sense?
|
|
#
?
Jul 28, 2021 18:18
|
|
|
lite_sleepr posted:Thing is I don't want to stay here. If I can't find a job in the foreseeable future, and if I can't pass this aPHR exam, the idea is just to get my retirement pension and go to school in the Marietta, GA area. The BAH you get from the Post 9/11 GI Bill is based off of the E-5 with dependents rate. Seems like it’d most likely make sense to go to school where you’d like to move and make sure you have at least one in person class from that college. Otherwise assuming you have some sort of service connected disability, you may look at Vocational Rehabilitation through the VA. You wouldn’t get the BAH using that though, which I assume plays into your income plans.
|
|
#
?
Jul 28, 2021 19:41
|
|
|
lite_sleepr posted:Thing is I don't want to stay here. If I can't find a job in the foreseeable future, and if I can't pass this aPHR exam, the idea is just to get my retirement pension and go to school in the Marietta, GA area. GI bill pays out E-5 With Dependents, unless I missed something and now it’s E-6?
|
|
#
?
Jul 28, 2021 20:04
|
|
|
Hekk posted:The BAH you get from the Post 9/11 GI Bill is based off of the E-5 with dependents rate. You can use VR&E and still get the P9/11 MHA rate for your area, providing you have eligibility. The VR&E advisor just needs to check a block on the form.
|
|
#
?
Jul 28, 2021 22:07
|
|
|
Ah right, E5 with dep. rate. Still, it's $2,2250 for the Atlanta area, coupled with my 2,080 from retirement each month. I could live off $4k a month I believe. Wouldn't even have to work. I think I'm just nervous as heck because for the first time in 20 years, my adult life, I'm about to be out of a job and have no real idea of how the civilian world is supposed to work. I was basically conditioned to believe without the stupid AF I'd starve to death under a bridge somewhere.
|
|
#
?
Jul 28, 2021 23:09
|
|
|
Don't forget disability, but don't count on it until you get a rating.
|
|
#
?
Jul 28, 2021 23:31
|
|
|
Hey, I'm gonna be ok
|
|
#
?
Jul 29, 2021 02:11
|
|
|
lite_sleepr posted:Ah right, E5 with dep. rate. Still, it's $2,2250 for the Atlanta area, coupled with my 2,080 from retirement each month. Aren't there colleges in atlanta? You don't have to move if you go to GA state or whatever. And, you're right, you'll be able to comfortably live on retirement and post-911.
|
|
#
?
Jul 29, 2021 04:31
|
|
|
VA benefits are pretty good. Use 'em!
|
|
#
?
Jul 29, 2021 04:33
|
|
|
I'm currently in Texas, so yea I'd have to move.
|
|
#
?
Jul 29, 2021 04:56
|
|
|
What is it like using a VA loan to buy a house? I've never bought a house before, or moved on my own, and so I'm absolutely clueless when it comes to these things. Overall, is it pretty straight forward and not complicated, or is it rife with scams and unnecessarily difficult hurdles?
|
|
#
?
Jul 30, 2021 17:37
|
|
|
lite_sleepr posted:What is it like using a VA loan to buy a house? I've never bought a house before, or moved on my own, and so I'm absolutely clueless when it comes to these things. Overall, is it pretty straight forward and not complicated, or is it rife with scams and unnecessarily difficult hurdles? Closing takes longer than with a conventional loan sometimes because the VA does an inspection of the property. With how hot the housing market right now that may play into your choice of how to finance. Of course the main benefit is not needing Private Mortgage Insurance (PMI) if you do 100% finance through the VA Loan. However, you should also be aware that a disability rating could make your VA loan origination fees (like 3 or 4K) be waived. I’d recommend finding a realtor you trust in the area you are looking to move. They will have contacts with mortgage brokers who are familiar with the VA loan process.
|
|
#
?
Jul 30, 2021 17:46
|
|
|
lite_sleepr posted:What is it like using a VA loan to buy a house? I've never bought a house before, or moved on my own, and so I'm absolutely clueless when it comes to these things. Overall, is it pretty straight forward and not complicated, or is it rife with scams and unnecessarily difficult hurdles? I used a VA loan for my first bought house through usaa. I believe I paid 2.8% for origination fee but I did not have to put down a downpayment. Had to do an inspection which took about an hour. Had a good experience, might refinance because rates went lower.
|
|
#
?
Jul 30, 2021 18:11
|
|
|
VA loan is same just needs a termite inspection and a VA inspection as well as an appraisal. Ours still closed in 3 weeks. One thing to note about refinancing is you can't do a VA streamline refinance until 110 days after you your first mortgage payment.
|
|
#
?
Jul 31, 2021 00:41
|
|
|
I'm gonna plug NFCU based on my awesome experience buying my current house through them. They also found me a great realtor and paid me for using their suggestion.
|
|
#
?
Jul 31, 2021 02:11
|
|
|
Welp, I was denied for a home loan through the VA. With only my pension of about $2k a month, they ruled my debt to income ratio was not favorable. They don't count income from the GI Bill as 'income,' so until I get a job or at least an offer letter, I'm kinda stuck.
|
|
#
?
Jul 31, 2021 02:12
|
|
|
Disability will count, when you have a rating.
|
|
#
?
Jul 31, 2021 13:37
|
|
|
lite_sleepr posted:Welp, I was denied for a home loan through the VA. With only my pension of about $2k a month, they ruled my debt to income ratio was not favorable. That was the bank's decision.
|
|
#
?
Jul 31, 2021 20:01
|
|
|
Anyone ever have the VA pay GI Bill benefits without verifying enrollment? I always get setup through my school to be able to use the 1606 (I'm a guard dude) if I need the money; I'm taking 9 credit hours this summer and about to finish up and just saw a $648.43 deposit pending to my checking. Looked at the WAVE website and see my last payment was $648.43 except I never verified my enrollment on WAVE. My last enrollment verification for payment was in the Spring for last semester. It also only shows one period available for verification - 7/01 to 7/31. I already emailed my school and will call the GI Bill line Monday morning but I think they just burned two months of my benefits without my permission?
|
|
#
?
Jul 31, 2021 20:31
|
|
|
Godholio posted:That was the bank's decision. They don't count GI bill money as income, even though it literally is. I don't know how many more VA approved lenders are out there willing to make that risk, but I'm all ears.
|
|
#
?
Aug 1, 2021 04:04
|
|
|
lite_sleepr posted:They don't count GI bill money as income, even though it literally is. I don't know how many more VA approved lenders are out there willing to make that risk, but I'm all ears. My retirement is roughly 4K a month, and my wife makes multiples of what I do. USAA only gave me a VA home loan in a high cost area if my wife was a co-signer. Do you have a spouse that has income? Or a family member willing to sign with you?
|
|
#
?
Aug 1, 2021 04:48
|
|
|
lite_sleepr posted:They don't count GI bill money as income, even though it literally is. I don't know how many more VA approved lenders are out there willing to make that risk, but I'm all ears. This is because GI bill money runs out long before a mortgage will be paid off. Some banks may accept it but not all. GI bill money is also explicitly not income and is not taxable.
|
|
#
?
Aug 1, 2021 12:51
|
|
|
LtCol J. Krusinski posted:My retirement is roughly 4K a month, and my wife makes multiples of what I do. USAA only gave me a VA home loan in a high cost area if my wife was a co-signer. Nope! I'll figure it out.
|
|
#
?
Aug 1, 2021 15:08
|
|
|
Have you checked with USAA or Navy Fed for mortgages? You've probably lived in worse quarters at some point than a studio apartment in a "meh" part of town. Might look at a 6 month lease while you shake out your disability claims. If you lined up a VA physical through DAV/VFW/rep, you should get your rating within days of discharge, and first payment the next month. Once you have an idea of what that's going to bring in, start applying for loans with the vet aimed financial institutions, or your/a local credit union. There was also a vet loan aggregator service that advertised on tv for a while, newdayusa, maybe? But avoiding those services is often a better decision, they're going to shotgun blast your info to every lender and you'll never see the end of the junkmail.
|
|
#
?
Aug 1, 2021 15:28
|
|
|
USAA turned me down for both houses I've bought. I got my first mortgage through WF, before most of their bullshit came to light. Fortunately I never had any issues and they never sold my mortgage off. My current house is financed through NFCU, who were great. E: V Yeah, same. After the house experience I bought my car through them too. Godholio fucked around with this message at 20:16 on Aug 1, 2021 |
|
#
?
Aug 1, 2021 19:59
|
|
|
Godholio posted:USAA turned me down for both houses I've bought. I got my first mortgage through WF, before most of their bullshit came to light. Fortunately I never had any issues and they never sold my mortgage off. My current house is financed through NFCU, who were great. Yeah, USAA is not particularly well known for being strong in the mortgage department, as I recall. I ended up starting a checking account with NFCU solely to get access to a mortgage with them, and they were super easy to work with.
|
|
#
?
Aug 1, 2021 20:08
|
|
|
USAA is a bank, and an expensive bank to do business with, so gently caress them. The only thing good about them is day early pay checks and car insurance. I went the Veterans United Realty when they shot me down, at least until I get my debt:income where they want it, which would be after I get a job.
|
|
#
?
Aug 1, 2021 22:40
|
|
|
I can't take it any more. I keep seeing 100% SC kids under the age of 25 with no combat tours. I'M loving OVER IT.
|
|
#
?
Aug 2, 2021 04:03
|
|
|
I've got a lot of troubles from tangling with TB and AQ, but if other folks have difficulties as well, I don't begrudge them. Tinnitus is a copout though, none of us can hear anymore.
|
|
#
?
Aug 2, 2021 04:15
|
|
|
DeeDee posted:I can't take it any more. I keep seeing 100% SC kids under the age of 25 with no combat tours. I'M loving OVER IT. What’s an SC kid? And 100% what? I apologize if those are dumb questions, but I didn’t really understand your post.
|
|
#
?
Aug 2, 2021 16:45
|
|
|
100% Service connected. E: DeeDee, I can understand where your anger is coming from, but given the current economic and social distress, I'd rather be happy that they've got a way to get by. We're in some serious death throes of an empire, poo poo is only going to get worse, and in this situation, I'd rather they be getting assistance of some form, regardless of the source. Because what other options are there for them? And we don't know if they got diddled by drill sergeants or DUI'd into a tree and command covered rear end to make sure they're taken care of in the outside. Again, I get why you're angry, but when the government is pushing billions into the fire of the stock market, buying bonds and collecting MBSs, we have bigger concerns than some vets being paid ill-gotten gains. Also leaving billions in equipment on the rooftop of the world for the stated enemy to just waltz in and take. Bigger fish, man, bigger fish. CRUSTY MINGE fucked around with this message at 17:04 on Aug 2, 2021 |
|
#
?
Aug 2, 2021 16:55
|
|
|
100% completely broken by garrison military.
|
|
#
?
Aug 2, 2021 16:56
|
|
|
You can still break bones, get raped, torn to pieces by equipment, and catch the 'rona in garrison. My brother caught a football with his nose in Korea, if he had some problem with it all these years later, it would likely be service connected rated, because it was on base, regardless of the actual cause.
|
|
#
?
Aug 2, 2021 17:09
|
|
|
Is OP upset because empire exploits bodies or is OP upset because of trying to gatekeep service connected disabilities only to legitimate veterans that deploy?
|
|
#
?
Aug 2, 2021 17:15
|
|
|
DeeDee posted:I can't take it any more. I keep seeing 100% SC kids under the age of 25 with no combat tours. I'M loving OVER IT. It’s best to not dwell on others benefits. Everyone had a different path, and almost all of those paths lead to Uncle Sam breaking you somehow. Be happy for them that they’ll not be homeless or destitute veterans. The military is happy to kill you, be happy to take all the money they can give you in return for the best years of your life and the inevitable disability that will come.
|
|
#
?
Aug 2, 2021 17:16
|
|
|
I hate that as a recent retiree I'm made to wait six months between GS jobs. What is the reasoning behind this hiatus I'm expected to take between working? I have two job interviews this week for UPC jobs, but I know that I have the deck stacked against me. I know it can get waived, but those waivers have to go all the way up to 2nd air force. The hiring authority will have to explain why they want to hire me vs. someone with a fraction of the job experience I have doing UPC work. Can someone explain this to me? For the last 14 years I ran every section in an MPF several times over and successfully implemented every policy and program for the base level. Why should anyone have to explain that of course I'd be a better candidate than someone who doesn't know what MilPDS is, or where to find something in an AFI? I could literally hit the ground running in a squadron, and the only thing I'd have to wait on is my systems access while I look at what's going on in the unit to get a game plan together on what to tackle, fix, and how to do it. What's more frustrating is I can't hope to get a home loan until I have a job! There's nothing here at Laughlin AFB, and I sure as heck don't want to stay here. I'm looking at the very real possibility of moving back into my parents basement, with an 11 year old, because despite having applied to 29 GS jobs and about 20 civilian jobs during my 90 days of terminal, nothing is landing. Sure, I can go back to school and use the GI bill, but no banks consider that as 'income,' even though it would put me at about $4k a month in income, which is plenty to comfortably pay a $1,500/mo mortgage if I wanted to buy a house that expensive.
|
|
#
?
Aug 3, 2021 13:00
|
|
|
You could rent while going to school for a year while you wait for your job prospects to develop. Hell you could do a semester and then break your lease / sublet your place in a city like Atlanta. Keep in mind that unless you attend school year-round you wont have BAH payments in the summer. Its a system that uou have to try and work around but its still pretty luxurious, once you get things started.
|
|
#
?
Aug 3, 2021 13:48
|
|
|
|
| # ? May 17, 2024 06:49 |
|
|
You can work a watchfloor for a couple years straight where day in day out you’re monitoring drone footage or translating some of the worst conversations imaginable and just constantly slamming your brain with condensed misery, but sure it’s not a deployment so we should cap mental health issues at like 40% disability
|
|
#
?
Aug 3, 2021 13:59
|
|
