Career Path > Navy Nuke
I need, a lot, of help.
nuketarded:
--- Quote from: Marssim on Jul 04, 2008, 11:16 ---maybe, but I'm not a psychoanalyst, just a linear thinking nuke, RTQ, ATQ,...
--- End quote ---
I'm there with you. He didn't actually say that he was an alcoholic. Just that he failed a program and was discharged. My friend was put in a program because he was scheduled for a dive physical and had spent too much time drinking and not enough sleeping the night before. Therefore deemed alcoholic. He "failed" the program because of his attitude ( 18 and arrogant ). IMO he has never met the definition of, nor displayed any of the real symptoms of an addict . Makes $250k today at 32 after no treatment. Not a sea story, he's my best friend. Yes it's a singular example. Yes I understand that we are all different (not carbon copies, get it).
This thread has (had) lots of posturing because a hot-button was pushed.
On the topic of repaying the debt. you will notice that the bill is for the gross amount. The good news is..... all that you repay is tax deductable for that year under miscellaneous deduction ("repayment of certain debts owed the government"). It actually provide a "return" for me. i was in a significantly higher tax bracket when I paid it back than when I paid taxes on it.
justatech:
Talitore,
You're not in the best situation, however it can get better. First, I applaud you and your wife for working opposite hours to mitigate the exorbitant cost of day care. I also applaud her for continuing to work as long as she can with chemo treatments - that can be extremely difficult.
I only have a few suggestions. Number one on my list, sit down with your wife and decide how you can stream line your expenses - I'm sure you have done this as far as "extras" are concerned; i.e. movies, dinners pack lunches instead - no frilly coffee drinks etc. Now look at where you are living, can you move into a less expensive place for a period of 2 - 3 years? Do you need two vehicles for work or can you work out a system with one car and sharing rides - which would cut back on car payments, gas and insurance.
The next suggestion - consult a financial attorney to approach the military with what you can pay back in a reasonable time period - go low on the initial proposal and try to meet somewhere in the middle. The bottom line is they want their money - screwing you over to the point you are without a home and means to a job will not help their cause. They may state they want 500 a month with 3 or 4 % interest - doesn't mean you can afford it. Talk this over with the attorney. Myself - I would pay what I can logically afford with the interest - even if it was less than what was demanded - however I would pay the same amount each month to establish that I am paying an exact amount that I can afford. Yes, they will take what ever tax refund amount you receive until the debt is paid but it wasn't "in your pocket" to where you had to write a check. One way around this is let your wife file separately and claim the child on her taxes - check that out with the attorney. They should only be requesting money from your income - it's your debt - not your wife's, so protect her some way, which would pay for some expenses you incur with your child.
Hope this helps.
Roll Tide:
Talitore,
At the risk of getting this fire blazing up again, I have another suggestion. See your congressman. Tell him you situation. Get his staff to help fill out the forms for the Waiver of Indebtedness.
I give people the benefit of the doubt. I assume you intended to complete your enlistment, but issues outside your control have prevented it. You are more worthy of the waiver than a former CNO received (for overpayment in a DITY move of his yacht). My prayers are with your family.
LDO4CNO:
--- Quote from: talitore on Jun 30, 2008, 06:30 ---
My question is simple. Is there anything I can do to reduce, or not have to pay this exorbirant amount. They want it back in 3 years. Heh, needless to say, its not going to happen. If there are any resources or anything anyone can do to help, please, point me in the right direction.
Thanks in advanced.
--- End quote ---
I have seen a couple of references here to “Dave Ramsey”. I want to give my DITTO’s to the same. Dave gives simple, excellent advice on finances and debt. His way of attacking the “Debt Snowballs” works in such a way to allow you to see progress and feel good about yourself. This Holiday weekend he has all of his books on sale at $10 each. Take a look at his “Total Money Makeover” at http://www.daveramsey.com/shop/_10_Books_DVDs_CDs_C122.cfm?UserID=32407743&jsessionid=4230de2fd0fb70467d32 This will undoubtedly be the best $10 you can spend right now. I wish you luck.
JB
Buy his book, listen to his radio/ tv show and get “Gazelle Intense”.
Camella Black:
I should have made it clear that I spoke to Mike long before I ever made a post to this topic, and I spoke to Tom. In fact, some of us moderators often talk behind the scenes. I am quick to bounce my ideas and thoughts off of someone else.
I would like to remind everyone of two things: 1. This is NOT a goldmember area and 2. Off topic posts are deleted everday or at least they should be, this comes from the very top.
I have no problem with anyone wanting to share their story of how they dealt with an addiction, but to kick someone when they are down went a little far.
I don't support censorship and have been a victim of it as a news journalist/photographer. I would like say that I was asked to be a moderator and it was an honor. I quickly spoke up and joined the forces that are nukeworker.
Now you may not like my views, and you may not like my politics, but please judge me fairly and don't accuse me of being petty enough to delete something just because I don't agree with it... I find that offensive and to be honest, I'd much rather smite someone when I don't agree with them, it is so much more fun. ;)
Navigation
[0] Message Index
[#] Next page
[*] Previous page
Go to full version