Retired from Reserves after 25 plus years. Now I enjoy my civilian job.

I retired a few months ago after 25 year plus years. I used to work on reserve duty some nights and weekends. I thought my civilian job was hard. After retirement I now enjoy my job. I k8nda dont want to retire. This is weird to me. I guess the Reserves was the source of a lot stress. Have anyone else gone through a similira ephifany?

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u/Leather_Table9283 — 6 days ago

One Drive to Google Drive Help 300 GB

Hi, is there an easy way to transfer 300 GB one drive files to google drive? Is there a free version? If not, I want to avoid spending more than 60 USD.

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u/Leather_Table9283 — 1 month ago

jack stand points lexus nx300 2021

hi does anyone know where these points are located at? I know where the the points are for the floor jack but I am not sure where i can place the jack stands.

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u/Leather_Table9283 — 2 months ago

Seeking Feedback on Balanced Retirement Allocation—TSP, IRAs, and Brokerage Mix

Hey everyone, I’m reviewing my asset allocation and would love some feedback. I’m 50, and I have no debt—my house is fully paid off. In my TSP, I’m heavily invested in the 2060 target-date fund and also have some in the I Fund (international). For my regular IRA, it’s in a target-date fund, and my Roth IRA is 60% VOO and 40% SCHD. Across my two brokerage accounts, it’s 40% VOO, 30% SCHD, 20% SGOV, and 10% gold. Does this sound like a solid plan for my age, timeline, and risk tolerance? I’m open to any suggestions—thanks in advance!

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u/Leather_Table9283 — 2 months ago

Chapter 61 Reserve Medical Retiree: Confirming the SBP Premium "Longevity Cap" Under 10 U.S.C. § 1452

I am looking for a quick sanity for those familiar with Reserve Component Chapter 61 Medical Retirement and the Survivor Benefit Plan (SBP).

I am a Reservist retiring this month under 10 U.S.C. § 1204 (Permanent Disability Retirement List). My final numbers are:

  • O-5 over 26 Years Base Pay Baseline: $12,394.80
  • DoD Disability Rating: 60% (Gross Medical Pension = $7,436.88)
  • Reserve Longevity Points: 4,507 points (Hypothetical Longevity Pension = $3,878.34)

I plan to elect Full Spouse-Only Coverage (Item 37.a on DD Form 2656).

My understanding of the statutory math under 10 U.S.C. § 1452(a)(4) and DoD FMR Vol. 7B, Chapter 43 is that my SBP calculations "decouple" to my advantage:

  1. The Premium Base Cap: Because I am a Chapter 61 retiree electing "Full Gross Pay," the law mandates that my monthly premium baseline is capped at my service-earned longevity points amount ($3,878.34) rather than my actual 60% gross medical pay ($7,436.88). At the flat 6.5% rate, my monthly deduction should be exactly $252.09.
  2. The Annuity Amount: Despite paying a premium based only on my points, my spouse’s eventual lifetime annuity is calculated using 55% of my full gross disability retired pay ($7,436.88), yielding $4,090.28 per month.

Can anyone confirm if DFAS systems cleanly execute this specific disability premium cap automatically based on the 1204 PDRL marker in DEERS, or do I need to explicitly walk the Retirement Services Officer (RSO) through this limitation on the DD Form 2656 to ensure they don't baseline the 6.5% premium off the full $7,436 gross?

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u/Leather_Table9283 — 3 months ago

Chapter 61 Reserve Medical Retiree: Confirming the SBP Premium "Longevity Cap" Under 10 U.S.C. § 1452

I am looking for a quick sanity check between Reserve Component Chapter 61 Medical Retirement and the Survivor Benefit Plan (SBP).

I am a Reservist retiring this month under 10 U.S.C. § 1204 (Permanent Disability Retirement List). My final numbers are:

  • O-5 over 26 Years Base Pay Baseline: $12,394.80
  • DoD Disability Rating: 60% (Gross Medical Pension = $7,436.88)
  • Reserve Longevity Points: 4,507 points (Hypothetical Longevity Pension = $3,878.34)

I plan to elect Full Spouse-Only Coverage (Item 37.a on DD Form 2656).

My understanding of the statutory math under 10 U.S.C. § 1452(a)(4) and DoD FMR Vol. 7B, Chapter 43 is that my SBP calculations "decouple" to my advantage:

  1. The Premium Base Cap: Because I am a Chapter 61 retiree electing "Full Gross Pay," the law mandates that my monthly premium baseline is capped at my service-earned longevity points amount ($3,878.34) rather than my actual 60% gross medical pay ($7,436.88). At the flat 6.5% rate, my monthly deduction should be exactly $252.09.
  2. The Annuity Amount: Despite paying a premium based only on my points, my spouse’s eventual lifetime annuity is calculated using 55% of my full gross disability retired pay ($7,436.88), yielding $4,090.28 per month.

Can anyone confirm if DFAS systems cleanly execute this specific disability premium cap automatically based on the 1204 PDRL marker in DEERS, or do I need to explicitly walk the Retirement Services Officer (RSO) through this limitation on the DD Form 2656 to ensure they don't baseline the 6.5% premium off the full $7,436 gross?

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u/Leather_Table9283 — 3 months ago