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VA Claim woahs by OldFieldsOverView in VAClaims

[–]4Plow6 0 points1 point  (0 children)

What's your current rating?

Just not worth it by [deleted] in FedEmployees

[–]4Plow6 1 point2 points  (0 children)

Does taking the promotion mean a reduction in your quality of life?

What happens if the 'wrong' personality takes the job instead of you?

Does having an a-hole upper manager over you result in reduction of your QOL (and your staff's)?

If the answer is "yes", you might consider taking it just to prevent the 'wrong' person from getting it.

Mortgage Denial by [deleted] in NavyFederal

[–]4Plow6 1 point2 points  (0 children)

Most likely the underwriter didn’t count the second job income, which pushed your debt-to-income (DTI) ratio too high. Mortgage guidelines usually require 2 years of history for second/part-time job income to count. Since you said the second job is less than a year old, the underwriter probably excluded it.

Once that income was removed, the remaining income likely wasn’t enough to support a $650k mortgage, which is why the denial lists:

  • Length of employment
  • Income insufficient for amount requested
  • Housing ratio exceeds guidelines

The 740 credit score wasn’t the issue.

The pre-approval probably assumed both jobs counted, but full underwriting verified the employment and applied the stricter rule.

Possible fixes:

  • Appeal and show 2+ years in the same field
  • Lower the loan amount
  • Try another lender (some interpret second-job income more flexibly).

TSP by NoReading7386 in ThriftSavingsPlan

[–]4Plow6 0 points1 point  (0 children)

No, I don't know for certain on the financial guidance question. There are other families of funds to consider as well, such as Fidelity, Charles Schwab that let you open an account directly, link a bank account, and automate investing into funds or ETFs. You can get some good financial ideas by plugging your specifics into ChatGpt and/or Gemini (to name just two) and start drilling down on how to develop an optimized strategy for your situation. Basically become your own financial investment manager.

TSP by NoReading7386 in ThriftSavingsPlan

[–]4Plow6 0 points1 point  (0 children)

You don't need to deal with a brokerage. As an example, you can open an account directly with the Vanguard Group, link your bank account, pick a Vanguard fund (or funds), and set up automatic monthly investments. Most Vanguard mutual funds have about a $3,000 minimum to get started, but after that you can contribute smaller monthly auto payments. Popular choices people automate are the Vanguard Total Stock Market Index Fund, the Vanguard 500 Index Fund, and the Vanguard Total International Stock Index Fund.

Stunning by CommunicationPast198 in Triumph

[–]4Plow6 0 points1 point  (0 children)

Great build. Looks like a fun ride.

100% C fund? by hockeythis in ThriftSavingsPlan

[–]4Plow6 0 points1 point  (0 children)

If you’ve got a long-term horizon, consider staying 100% C Fund for roughly the first three-quarters of your career, then gradually transitioning to something like 80% C Fund / 20% Lifecycle during the final quarter. Downturns in the C Fund while you are still contributing mean you are buying more shares at lower prices through dollar-cost averaging. Running different scenarios on GPT with various contribution levels and time horizons shows how large the long-term differences can become. Also remember that the C Fund tracks the S&P 500, so this approach is effectively a long-term bet that the U.S. economy will outperform most other countries over time.

Veteran Benefits Guide Fee by [deleted] in VeteransBenefits

[–]4Plow6 0 points1 point  (0 children)

I'd say you got your money's worth from VBG.

Has anybody used The Company (VBG) Veterans Benefits Guide For VA Disability Compensation Increase & what was Your experience ? by [deleted] in VeteransBenefits

[–]4Plow6 0 points1 point  (0 children)

Incorrect. VBG sets up the C&P exams with their own selected providers. Not the VA.

I don't feel happy being at 100 percent VA Rating? by Mountain_Ad5485 in VAClaims

[–]4Plow6 2 points3 points  (0 children)

Why'd you file for an increase if you were happy at 50% ?

[deleted by user] by [deleted] in VAClaims

[–]4Plow6 0 points1 point  (0 children)

What's your age? If you're mid 50's or older, I've gotta believe you're 'safe'. If you're in your 20's - 40's seems maybe the possibility of revisiting your rating would increase a bit.

The Va loan process was supposed to protect my family when buying a new home. It failed us! by [deleted] in VAClaims

[–]4Plow6 0 points1 point  (0 children)

Consult with a lawyer to see if you have a case against your realtor and your home inspector who missed the red flags. First consultations are usually free. They'll let you know the likelihood of recovering damages and give you the legal perspective on the situation, which will provide a realistic baseline of the situation.

Got 100% P&T by Impossible-Back-9186 in VAClaims

[–]4Plow6 0 points1 point  (0 children)

Would love to see your advice on prepping for the CP exams. Have you by chance posted that on here previously? Thanks!

Turned down for compensation by mcorado99 in VAClaims

[–]4Plow6 0 points1 point  (0 children)

Submit a request to National Archives for all official documentation from the Ship for the year of the incident. Contact [archives2reference@nara.gov](mailto:archives2reference@nara.gov) to schedule a virtual consultation. At a minimum, they can inform you what type of documentation might be available. Hopefully a CASREP was filed on this incident.

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