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My googling isn't working too well and there's some conflicting information at work about this. Active duty, can I max out the Roth IRA I have through USAA (5500 or whatever the yearly max is) and then still contribute to a Roth TSP without any tax penalties? I'm being told in some places that the TSP (regardless if Roth or Traditional) is a separate bucket of money so you can do both Roths, essentially dumping over $20k/year into two separate Roth accounts. I'm also being told that you would incur huge tax penalties if you did this, and there can only be one Roth account (regardless if it's TSP or Vanguard/USAA/whatever). The TSP.gov website seems loving useless in this regard.
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Feb 23, 2016 23:51
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iyaayas01 posted:They're two totally separate buckets. Your IRA is exactly that, an Individual Retirement Account. There's a yearly max on that because anyone can set one up for any reason with any type of investment security (stocks, mutual funds, bonds, even real estate, etc), so it would provide huge opportunities for tax chicanery if there wasn't an annual cap on contributions. That's what I was under the impression of-thanks for the info.
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Feb 28, 2016 12:35
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ElMaligno posted:enlist in the coast guard Haha-how long is it now?
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Jan 21, 2018 22:42
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Hey so a question for anyone that's been married and AD before, because I'm not sure what the right answer is... My home of record: Arizona. Her birth place and home of record when we married: Massachusetts Where we currently live, due to PCS: Massachusetts Where she works: Massachusetts Does she keep her Mass license, or does she need to get one from Arizona? As far as taxes are concerned, would she just be a non-resident in Massachusetts and maybe have to pay Arizona state income taxes? I'm exempt from Arizona taxes due to being active duty-not sure if it is the same for her. We will only be here for another year, and then off to another state which won't be Arizona or Massachusetts, so I'm sure the fun will continue. I believe under the Military Spouses Residency Relief Act, that she can become a resident of Arizona-just not entirely sure if she has to or can maintain Massachusetts if she chooses.
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Feb 27, 2018 19:48
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Maybe that’s what I’m trying to ask:her residency. She’s a resident of Massachusetts and we’re stationed here right now. I maintain residency in Arizona and plan on doing so until retirement. Does she have the following options: 1) stay Massachusetts as long as she wants 2) adopt Arizona as her state of residency 3) change to whatever state we move to when we move. #3 seems like it’s allowed. I’m just not sure on 1 or 2.
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Feb 28, 2018 01:03
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EBB posted:Sleeping in a ditch or some other godforsaken place is just one of those things you do in the military. I couldn't imagine signing up for any service and not spending a single night outside in the career. Coast guard. We have some lovely old boats with cramped sleeping quarters, but that’s about the worst you can get.
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Oct 4, 2018 12:34
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tyler posted:He said military though Still retiring in 20-close enough for me.
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Oct 4, 2018 20:41
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Paranoid Dude posted:Hey, everyone! I've got 13 years in, 5 of which were enlisted and the rest have been as an Officer. If you want to get underway (there's many other jobs that the Coast Guard does which do not entail serving afloat, but that appears to be what interests you), you could feasibly get underway anywhere between 1-2 weeks at a time and up to 6 months at a time. Whether you enlist or commission will play a part regarding what types of cutters you can be assigned to. As enlisted, depending on which rating you pick, you have the choice of being on almost any type of boat. I was on a Polar Icebreaker which did a 6 month patrol and I was on a medium endurance cutter which did 60-75 day patrols. With my rating (Boatswain's Mate), I had the option of also trying to go on smaller patrol boats which get underway for a week or two at a time. As you advance, depending on rating and availability of certain jobs needed on certain ships, you could have the option of staying on smaller vessels for the majority of your career or going on larger ones if you wish. Since you mentioned naval officer, I imagine you want to be on the bridge and navigating, so if this is true, you would have to go Boatswain's Mate, as that's the only enlisted rating where you can feasibly drive the ship. If you want engineering, you can be a Machinery Technician but you'll be down in the engine room. Regarding your desire to be a cop, BM and MK would serve this niche as well, as they typically do boardings (along with a special ME rating). As an Officer, you are a little more limited in what you can choose. For your first tour, you will likely go to a larger ship (210, 270, 378, or 420 foot cutters), which means deployments between 2-3+ months. Only the icebreakers do the 6-month patrols. After that tour if you want to stay afloat, you will generally have the option to try and get a command spot (XO or CO) of a smaller ship, 110+ feet). If you continue to serve afloat, as you go up in rank you will be put in charge of larger crews/ships as your time goes on. There's variations to all of this, but that's the gist of it. For law enforcement, you'll get the qualification to conduct boardings, but will generally only do it for your first tour and that will be it. There's specialized LE paths like MSST and MSRT, where you will be doing more of that, but really it's oversight at that point and you're letting the enlisted members do all the actual work and you're just keeping up on your quals and making sure they have what they need. MSST deploy quite a bit, usually for weeks/months at a time to different areas. For Officers, you typically go from operational tours to staff tours, so you might do a 2-year tour underway where you have to get underway every 2 months for 60 days with a 2-month in-port period, and then you'll go to a 3-4 year staff tour where you aren't getting underway at all and come home every night. There's some exceptions to this as well (Admiral's aide, where you're travelling on their schedule for 2 straight years, etc). For overseas tours like Bahrain, those last one year, and Officers typically try and get those immediately after their first tour on a larger ship out of the academy/OCS, as you are put in command of a smaller 87' or 110' boat. Not sure where the 6-month thing is coming from...the tours in Bahrain are for a year. I don't go afloat anymore-it was fun when I was single, but sucked when I was married and led to a divorce. Lots of guys cheat on their wives at port calls, but others make it work just fine. It's all what you make of it. nwin fucked around with this message at 19:27 on Mar 9, 2019 |
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Mar 9, 2019 19:25
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Paranoid Dude posted:Hey, man. Huge thanks for the reply, I was doing some digging around the old Coast Guard threads and you’re exactly who I would have wanted a reply from. Are you thinking of enlisting or going officer? I'll assume officer for now. Officers have different specialties: Afloat response, Afloat prevention, Ashore response, Ashore prevention, and Aviation are the main ones. https://www.uscga.edu/subspecialties/ Afloat response: This is what you're thinking-it's the white cutters that do law enforcement, migrant interdiction, search and rescue Afloat prevention: These are the black hulled cutters. They consist of buoy tenders and smaller tugs and they mainly are responsible for maintaining aids to navigation. They can do search and rescue if needed, in addition to law enforcement, but their main priority is servicing buoys-bringing them on deck, chipping all the crap off them, repainting them and replacing batteries. Ashore response: These guys oversee the search and rescue mission and are generally the ones maintaining the big picture back on land and giving orders to the different ships/aircrafts around on what searches need to be done. In addition they may go out and respond to oil spills. Ashore prevention: They inspect commercial ships for safety and security, in order to prevent mishaps from occurring. Once they occur, they also investigate why it happened and try to implement policies to prevent certain things from occurring again. Aviation: they fly. They conduct search and rescue, overflights, assist in law enforcement, etc. Some deploy with different afloat response cutters for periods of time. Anyways, you go to OCS and there's a list of available jobs-you rank your top 10/15 or whatever based on what specialty you want. If you ever want the chance of going afloat, you have to go afloat your first tour, because you won't get the opportunity to try it later in your career. If you don't want to go afloat, you can try any of the other specialties I mentioned, and if it doesn't work out, you can try another one (except afloat) at the end of your first tour. You can basically change your career track once early on (at the end of your first tour) without any harm to your career. If it's the end of your third tour and you're trying to switch things up again, it's not going to work out too well for your career longevity because you will be seen as not being proficient enough for mid-grade officer positions. Your time in service doesn't have sway the way you think it does. If I went afloat my first tour, decided it wasn't for me and went ashore response, then for my next tours I need to keep choosing ashore response jobs otherwise read above regarding your career. Most real search and rescue is typically done the most by small boat stations and aviation. Small boat stations are all enlisted-there's a few of them which have officers as the CO's, but you won't be doing any of the missions-you'll just be responsible for them. Aviation is where the officers have the most hands-on experience regarding search and rescue because you have to be an officer to be a pilot. If you choose aviation, you can pretty much do search and rescue for your whole career if you choose. When I was on a 210' medium endurance cutter, we were underway for ~60 days at a time. We don't go out solely to conduct search and rescue. Our main missions were either law enforcement (through fisheries boardings or migrants/drugs) and on the off chance that there was some sailboat in distress within our area, we may get tasked with going out to look for them. Generally the bigger boats like that will be doing search patterns where you're literally cutting circles/squares in the ocean while an airplane is several thousand feet above you covering 100 times the amount of space in 1/10 the period of time it takes your boat. It's awesome if you actually find someone and can give assistance, but most of the time it's just not happening. Generally, it's an inverse relationship between size of ship and amount of SAR you do; the smaller ships patrol closer to land and more often, so they get tasked with more of the searches-there just aren't a ton of boats in the middle of the ocean that are calling distress, and if they do, then shits probably hit the fan and they are jumping in their life boats before your boat can get to them. And as I mentioned a bit earlier, all craft will do what they can if they are tasked. When I was on a polar icebreaker and we were leaving Antarctica, I think we might have had 4 guys qualified to do a boarding and we were diverted to sit between a sea shepherd/green peace boat that had rammed and a Japanese whaling ship.
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Mar 10, 2019 03:38
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Woo hoo $40 extra bucks in DC-make it rain!
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Dec 15, 2021 21:58
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Dick Burglar posted:Sorry, should've included some basic info. Do you have a specialized degree? Law, IT, etc? You might be able to do a direct commission officer (DCO) package which normally allows a higher age, at least for the coast guard.
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Jan 13, 2022 22:57
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Melthir posted:If your in and you loving hate it and you want to go somewhere else where they treat you less like a child the Coast Guard has expanded the enlistment age to 42. I’ve just been picturing a 42-year-old non-rate cleaning the chief’s shitters on a white hull. It was bad enough for me to do that as a 24-year-old with a degree, but I had at least known OCS was an option and was told what to expect…gently caress being 18 years older and dealing with that. But hey-any old people wanna put in, reach out to me and melthir so we can get some of that sweet sweet recruiting money.
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Nov 28, 2022 18:32
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Dream Weaver posted:I'm AGR now and I have a babby major that I am mentoring. She's like 42 and adorable (medical specialist). Direct commission is a bit different than coming to a boat as an E-2.
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Dec 25, 2022 01:57
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| # ¿ Apr 26, 2024 17:19 |
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What process are you talking about for coasties? Enlisting? You have two options-choose a guaranteed A school or enter as a non-rate and wait between 0 months (if critical rating) or up to 3+ years if there’s a long wait list. Your recruiter can let you know what’s critical and what isn’t. If you’re looking at officer, I don’t think the age requirements have changed that much and you’d need a degree and under the age of 30 I think to qualify for officer candidate school. If you have certain stem field degrees or law degrees you can apply for direct commissioning and the age limits may be higher than 30. Hadlock: if you like boats and want to stay in your new house, look into seeing if the auxiliary needs any help as a volunteer. You don’t get paid but you patrol the water on auxiliary boats where the CG pays for your fuel.
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Sep 22, 2023 13:42
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