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I've talked with the mods and got approval from them before posting the offer/information below.

I've been working on a mobile and desktop application recently which is centered around envelope personal budgeting called Budget Badger. The main idea behind the app is to:

  • Add the money you have now
  • Budget it into envelopes
  • Cover the unexpected

Development has reached the beta testing stage at this point and I'm in need of a few people on the various platforms (iOS, Android, & Windows 10) to test out the software including the Cloud Syncing ability. During the beta tests, all features will be offered for free, although once the app has been fully released, there will most likely be a one time unlock fee for different features of the application such as the cloud sync. This would be a one time purchase and not a subscription that other budgeting apps have moved to.

Screenshots:

Windows 10

iPhone

iPad

Android

Please PM me your email address, which platforms you'd like to beta test, and what previous budgeting software you've used in the past and I will work on getting you added to the betas and provide more information.

You can also subscribe to /r/BudgetBadger for updates as they occur.

Thanks!

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About 7 years ago, I divorced my military husband and have not been covered by TriCare or any military insurance since. I no longer have my military ID, any tricare paperwork, his SSN, nada.

Starting a few weeks ago, I started getting email notifications from Humana that I had EOBs, and to log into my account to access them (this is a real email from Humana, not a phishing attempt). Basically to interface with Humana or Tricare at all, you need your sponsor's SSN or DoD number. So I'm not making a lot of headway with them. They have a fraud department but it seems mostly catered to beneficiaries levying fraud accusations against providers.

I am worried about medical identity theft - should I be? Or is this just a weird glitch?

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Title says it all, but a little background.

- E3 in the Marine Corps

- 15% going into TSP each paycheck

- Single

- About $500 to start out.

Who is best? I am trying to invest in stocks, ETF's, etc. I know Robinhood is good for beginners, already have had a decent amount of success there from when I first started. What is a big name company I should look into investing with that is trustworthy, some what cheap, and good for my situation?

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How do I invest my civilian salary into my tsp? My civilian provided 401k is dogshit compared to my military comparison.

Also, how much will I need to invest for the maximum matching? I'm an O-2 5 years TIS?

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I was wondering if anyone has had any experience purchasing a condo with the VA Loan.

I'm currently working with USAA as well as Federal Saving Bank as I am approaching putting an offer in on a Condo. I know the VA loan requires that the condo association get VA approved first before the loan will get approved. However Federal Savings initially peaked my interest because they said that they would be able to quickly get the condo association approved by the VA while USAA would not. In talking to USAA they notified me that it was the condo associations responsibility to get approved and not the lender.

Can anyone shed some light here or share their experiences with either USAA or Federal Savings Bank as it related to purchasing condos?

Thanks!

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From my understanding, the standard pension for someone with 20 years in service is 40% of base pay. However, if say someone retires as an E-8 and military pay increases in the future or inflation happens, would it still be 40% of the current E-8 pay or just the base pay of the year that they retired?

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I am set to ETS in 2 weeks. I am currently on title 32 orders which expire on the day I ETS. We relocated to another city/state for the program via a DTY move. We were reimbursed after all paperwork was handed in.

I was offered an extension in the guard (and for my title 32 orders) which I turned down. I will be moving to another state other than my home of record for a civilian job opportunity I accepted. My question is am I owed any money for moving?

Thank you!

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It didn’t exactly state AmEx waiver the fee. It states, “ we have suppressed the following fees from billing on your account statement for the duration of your active military duty. “

I wonder how would they know when my contract ends. My contract could literally end in 2 months, or 4 yrs later.

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How does this sub feel about encouraging new-joined service members that joined for educational benefits to invest their money in a 529 plan that they can use after EAS? 529 plans have tax defferred growth which is great, but they can only be used for certain education expenses. I wonder if there are any caviates to using 529 funds combined with the GI bill.

As far as I know the only rules are as follows:

-Funds only pay for tuition of an approved university/trade school. (Covered by GI Bill)

-Funds can pay for cost of living up to the amount of room/board at the school. (Combine with BAH?)

-Funds can only pay for certain technology/equipment listed on program website (laptops, business equipment, etc)

So my main question is, why don't more people encourage our juniors to save for EASing for school in this manner? Even 4-6 years of compound interest is still nothing to sneeze at, and limiting withdrawals to equipment and room/board isnt a necessarily a bad thing either. The only downside I see would be the unlikely scenario of saving too much money to be able to spend it all while also utilizing the GI Bill, but while not not ideal the member could just roll the money to a child/family member.

Has anyone looked into this more to find how this is too good to be true? If this really is such a good deal, why dont we encourage it more?

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I’m a recently commissioned officer in the national guard. I don’t know if I’ll stay in the military past my 8 year commitment. I’m trying to figure out what retirement I would receive from doing a full 20 years in the guard? And what type of saving I should do in the military since it’s not my full time job.

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My wife and I are looking to have a second child, but we’re wondering how much we should save before we begin to conceive. We have plenty of baby gear already, and if we have another child of the same-sex, we’ll save even more. So, how much would make having a child a lot less stressful financially. I did some research, and it said $30,000 is ideal, but it was a site aimed at civilians considering we have free health care, we’d be on WIC, so there’s plenty of ways we could get out of expenses for much less than a civilian. I was thinking to save $5,000-10,000, but I’m not sure so I’m taking it to Reddit for further guidance.

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Have an auto loan for a used Toyota for about 11k at 9% interest rate. Noticed that Capital 1 limits interest rate for military members at 4%. Would it be possible / a good idea to move some of the auto loan to my Capital 1 credit card?

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I am currently deployed. I left in May and I should be back in January or February. I know my pay is non taxed while deployed. However I have questions for next year's tax return.

Can I expect a tax return. For 3 to 4 months out of the year I will have paid taxes. Will my deployment income be tracked meaning I will expect a $0 tax return? Or will my pay not be counted and I could expect to receive all the money back I paid in taxes?

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My wife plans to get out in two years. She has already opted in to BRS and putting money towards her ROTH TSP. My question is:

  1. Will her money still grow if she doesn’t contribute anything? (She has her money going to the C fund) not sure if that has compound interest.

  2. If she doesn’t continue to put money, can she put money with a linked account such as her checkings account?

  3. Will they still match her when she gets out?

  4. She has been in for 4.5 years, will they match her 5% right away or is there a waiting period?

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  1. I want to start putting money into my TSP. The way I’m understanding is that you don’t get taxed with traditional until you take it out at 59 1/2 and Roth TSP takes it out right away so you can just pull the money without any taxes at the same age right?

  2. No matter which one I put money into, I automatically get 1% match right? And then if I put let’s say 15%, they go as high as 4% to equal it out to a total of 5% match? So the government matches up to 5% and that’s extra money?

  3. This is all based on base pay, correct? So if my base pay is 3500 and I put in 15%, I will be putting in 525 bucks a month right? Does that mean they take half out on the 1st and the other half on the 15th?

I appreciate all the help. Went on TSP.gov and it didn’t dumb it down for me at all.

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Single Navy E-6 transferring from Guam sea duty to Norfolk sea duty. Currently get OHA, but my understanding is this will turn off as soon as I turn in my letter of release to housing/command in Guam. I have a 26 day school in route after my 30 days of transfer leave. This school is in the same geographical area as my future command. Am I just going to get the transient BAH during these 2 months or is there a way to start up my actual geographical BAH when I get to my school since it’s in the same geographical area.

Additional info is I already own a residence in the same area as school and future command. Thanks for any input.

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Technically a military spouse but I manage all of my husband's finances. Today we got partial backpay after 5 months of waiting on BAH. The only issue is that it's about 2000 less than it should be. My husband and I have a few different theories as to what's up. Can you guys suggest/confirm what might have happened:

  • The backpay was split into two payments and we'll get the rest of it at the end of the month. We're missing about 1/3 of what we should have gotten.

  • The military budget has run dry and they've given us only what they can handle for this month (my husband's theory, not mine).

  • BAH backpay is heavily taxed (it would've needed to be a 33% tax to account for what is missing though, and I don't know if this is true).

Basically the deposit we got today would be accurate if it was just the backpay, not including our adjusted BAH and normal pay for this month. If there was a magic second deposit of our adjusted BAH and normal pay, then we'd be right on track for finances.

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I am stationed at an air Force Base and I currently have to drive 65 miles to the closest army instillation and 65 miles back to be at appointments for the MEDboard process. I asked my SGT if I could get reimbursed for milage or be put in a hotel, because for example I have to be there every day next week, and he said no and that the unit wouldn't pay for it. Does this sound right?

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So currently a fresh Sra with 2 1/2 years in the future is not so clear as to what I'll be doing but I wanna start saving for some kind of retirement. So here is the current financial situation,I have my wifes car payment with about $5200 left on it at $286 a month and thanks to a recent event a new truck payment at $536($30,200@8.19%) a month my wife pays insurance for both vehicles. Some other bills totalling about $350. Now I have some stocks and current value is around 50k(multiple accounts spread across diffrent investment platforms set up by my parents when I was little) and they are setup for a compounding interest type deal where every dividend I receive goes to purchase more stocks in that company. Not sure if I should start a TSP or something diffrent either, I've considered selling some of the stocks in order to pay off the wifes car payment and then using that same $286 every month to go into a tsp, or bumping up my truck payment to 650 ish and paying off the truck quicker. Not sure if much of this makes any sense but hopefully someone can understand.

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I am now able to max out my TSP, and almost my IRA, so now just looking at other stuff to save towards. Otherwise I'll just pocket the cash and save toward a big purchase.

I'll be honest, I'm clueless when it comes to healthcare in general and what kind of healthcare is provided to retirees. I just want to be able to see competent physicians and have hakuna matata life. if saving now for health expenses that maybe give me better care or options than the VA provides is a good idea, I'd like to know.

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BLUF: got 4 cell phone lines with hotspots to use instead of getting internet for only 120/month.

So my girlfriend and I were looking around to get on a cell plan together. We checked out Verizon, AT&T, and T-Mobile for our location (Northern California). T-Mobile has won out by far.

We signed up for two lines, both unlimited everything (50gb net each before they 'might' throttle), one line with a hotspot up to 20gb, and great coverage. Took my phone and set up hotspot at home, able to stream netflix/hulu/Amazon to my TV no problem at all while browsing on my laptop.

Next day, we went to ask about getting a 3rd line to use as a hotspot at home permanently. For one more line, changing all 3 lines to T-Mobile plus (only one was), was actually 1$ less bringing total down to 120$/month for 3 lines. Then, since we opened a 3rd line, the 4th line was free (promotion going on).

So now for 120/month we have 4 lines, each with 20gb hot spot, 50gb non-throttled data, unlimited talk and text. Also, told that next year with 5G coming out service will be awesome.

Going to ops test how many things can be on the hot spot before it slows down too much. Also going to try my xbox 360 to see if I can do it.

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I created an excel sheet to analyze all of my accounts that I thought others might find useful:

https://docs.google.com/spreadsheets/d/10S2nY36xJhTHrG8Zue9E1GUe4ZfCzo9DM8pLM53jKos/edit?usp=sharing

You can enter the amount you would like to invest in your IRA/TSP and it will tell you how much to put into each category/fund in order to maintained your desired distribution (useful for re-balancing with IRA contributions). Its also helpful to see where your funds are located. I used the data in this example sheet to switch from a mirrored allocation to whole portfolio allocation (e.g. moving bonds and international from combined brokerage into an IRA to get access to admiral shares faster). Please feel free to use and modify!

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Title says most of it. Long story short, I’m a 28 year old TSGT. Made some bad decisions when I was younger and in the past year or so have been trying to correct my path. I also pay child support so I don’t have a full paycheck to work with. So my paycheck at under 10 years service is 1440. I am also married to a wife that doesn’t work (temporarily) and two additional kids.

Here are the steps I have taken so far.

Saved 1k for small emergencies. I have no credit cards or small loans. Consolidated my debt and save over $200 a month with a less interest rate. I just paid one of our vehicles off but plan on putting that money into another payment. Still have school loan, different vehicle loan and that debt cons. Loan. Gonna start putting money towards the school loan since that has the highest interest. Also just found a credit card to use for bill paying to pay it off right away that has decent cash back rewards. A little extra from that will help. Once all the debt is gone, I plan to tackle large emergency fund for 18k. Getting to that point will be 3-4 years. If not quicker depending on our commitment.

With all that said I need to start looking into investments. I came from a broken home and had supervisors that didn’t care when I first came in so I had no conversation about investing and saving properly. Plus I was an idiot and didn’t care much. So I have missed almost 10 years now of not investing or putting money for retirement. Can someone please educate me? I would greatly appreciate it.

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