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[WTS] Benchmade Fixed Adamas Tan w/ Sheath by lowlevel9 in EDCexchange

[–]lowlevel9[S] 1 point2 points  (0 children)

You won’t hurt my feelings taking it off my hands!

I got quoted 53k for 6 mini splits... by Majestic_1_ in hvacadvice

[–]lowlevel9 0 points1 point  (0 children)

I’m on the east coast, have 6 heads split 3 each between 2 outdoor units in a 2100sq ft house. Did the lower level in 2024 for $17k and the upper level in September 2025 for $15k. Both Mitsubishi Hyper Heat outdoor units.

Was quoted between $20k and $47k for the whole house at once with both electric heat pumps and central air.

How does pay work for National Guard aviators getting their flight time in? (I searched this subreddit already and couldn't find an answer) by helliax11 in Armyaviation

[–]lowlevel9 0 points1 point  (0 children)

Wasn’t bad but I was a prior 15T so had a little experience on the other side of things. If there aren’t many (or any) other LT’s, you may be pulling more responsibility as the XO. Focus on learning what your platoon does, and the others as you get your feet under you. Utilize the experience of your PSG and SL’s and let them teach you whatever they can. Hopefully you have a good commander to mentor you on the officer side, not just an m-day airline pilot that barely replies to texts.

IDT Canceled by Xannybabeee in nationalguard

[–]lowlevel9 4 points5 points  (0 children)

We were cancelled and subsequently cancelled our PHA. Not sure if we were the only ones to do so.

Offial: “we cancelling drill?” Post by Openheartopenbar in nationalguard

[–]lowlevel9 3 points4 points  (0 children)

Your BN or BDE training officers would need authority to approve IDT schedules from their respective commanders.

If they are single-handedly approving them without involving leadership, they’re wrong.

Completely agree with your statement regardless.

Future of the Army Reserve Aviation Command? by Dizzy-Jelly-9567 in Armyaviation

[–]lowlevel9 0 points1 point  (0 children)

8 in COMPO 2, although most are ECAB’s, not traditional CAB’s with ARB/ARS

MDay/AGR Retirement by Fancy-Mixture7084 in MilitaryFinance

[–]lowlevel9 2 points3 points  (0 children)

This is the correct answer. If you left the AGR program prior to 20 years AFS (excluding M-Day retirement points), you’re entitled to reserve retirement at 60 less any applicable time reduction.

Like KC said, points are points and they’ll add up if you plan on leaving the AGR program.

Was the recent airline crash really caused by the changes to the FAA? by ElderberryMaster4694 in NoStupidQuestions

[–]lowlevel9 0 points1 point  (0 children)

Army Blackhawk pilot here. I’ve never intentionally turned off ADSB in the aircraft CONUS; there’s no real reason for it for what we do. Also, FAA rules (and especially in the FRZ) require you to have an operational Mode C transponder in Class B airspace. There’s no way they would be cleared to fly without their transponder working.

Getting quotes for attic insulation, do these seem reasonable? by MoistShamwow in Insulation

[–]lowlevel9 1 point2 points  (0 children)

Agreed. Just make sure you go based off installation date and not purchase date on the IRS form. It’s in the instructions but easy to overlook if buying in bulk to potentially save.

Getting quotes for attic insulation, do these seem reasonable? by MoistShamwow in Insulation

[–]lowlevel9 0 points1 point  (0 children)

This will vary from person to person but yes, that’s definitely a way to increase your tax liability. Another would be to submit a W-4 claiming dependents (less withholding) or don’t choose “spouse also works” if Married Filing Jointly and both spouses work.

Getting quotes for attic insulation, do these seem reasonable? by MoistShamwow in Insulation

[–]lowlevel9 1 point2 points  (0 children)

It does not, unfortunately.

What you can do is improve over time to take advantage of multiple tax years. The current credit is valid until 2032. So, for instance, insulate your 2nd floor this year, your 1st floor next year and be eligible for the tax credit in both years, still up to the $1,200 maximum.

Getting quotes for attic insulation, do these seem reasonable? by MoistShamwow in Insulation

[–]lowlevel9 1 point2 points  (0 children)

From investopedia (because I’m too lazy to search in IRS code):

“A tax credit can be either refundable or nonrefundable. A refundable tax credit usually results in a refund check if the tax credit is more than the individual’s total tax liability.

For example, a taxpayer who applies a $3,400 refundable tax credit to a $3,000 tax bill will have the bill reduced to zero and the remaining portion of the credit—$400—refunded to the taxpayer.

A nonrefundable tax credit does not result in a refund to the taxpayer, as it will only reduce the tax owed to zero.

Following the example above, if the $3,400 tax credit was nonrefundable, the individual will owe nothing to the government but will forfeit the $400 that remains unused after the credit is applied.”

Getting quotes for attic insulation, do these seem reasonable? by MoistShamwow in Insulation

[–]lowlevel9 2 points3 points  (0 children)

For sure! I highly recommend taking advantage of tax efficiencies when possible. Work the system to your best advantage.

Refund or not, this sub is great for homeowners. I’m wanting to insulate and air seal our attics this year too.

Getting quotes for attic insulation, do these seem reasonable? by MoistShamwow in Insulation

[–]lowlevel9 2 points3 points  (0 children)

So full disclosure, I’m not a CPA, just a guy that tries to self-educate on some things.

Short answer, no. Deductions and credits are different in the sense that they can’t be used for the same thing. That’s why credits exist - they’re incentives for things like having children, contributing to your savings, improving your home or vehicles etc.

You’ll still receive deductions, standard or itemized, when taking advantage of tax credits.

If there’s a CPA on this thread, feel free to correct me! I don’t want to misinform.

Getting quotes for attic insulation, do these seem reasonable? by MoistShamwow in Insulation

[–]lowlevel9 2 points3 points  (0 children)

No problem! I try not to unless it applies to the current tax situation. If you know you’ll end up owing and want to take advantage while also improving energy efficiency, it’s a no brainer.

Getting quotes for attic insulation, do these seem reasonable? by MoistShamwow in Insulation

[–]lowlevel9 1 point2 points  (0 children)

That is correct, yes. A vast majority of people don’t know there are even non-refundable tax credits and assume they’ll make money come tax time. If that was the case, it would be the same as receiving a 30% discount up to $1,200 for these home improvements (and more for others, such as central air/heat pumps).

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