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Advice on military life, real estate, finance, education, and deployments

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Casey

How to Stay at the Best Hotels for Cheap using Government Rate

July 22, 2010 by Casey

government rate hotels
I stayed at this hotel for $92 a night!

Every military member has a secret weapon when it comes to finding great hotel bargains:  it’s called government rate.

For instance, this summer I traveled from South Carolina to Texas for a school. Based on the distance, I knew I wanted to stay one night in Birmingham, AL. Here’s what I did to find a great hotel near Birmingham:

1. Enter the planned city into TripAdvisor

2. After reading reviews I chose to check rates for the Renaissance Ross Bridge Golf Resort & Spa

the results after searching for my hotel

3. Visit the hotel web site and look up their government rate and availability (if you can’t check online, then call)

military or government rate

The advertised rate on Trip Advisor was $193, but our government/military rate is $92!

government rate results

4. Check fees to ensure the rate is not just a tease

Luckily parking was free.  Taxes and fees came out to $12, so my total for each night was $104.88.

Warning:  Some higher-end hotels make a killing on parking, internet, and service fees. Know what they are before you make a reservation.  In general, expect to pay high parking fees in any big-name hotel located in the middle of a congested city.

5. Make a decision based on total rate vs. quality

This hotel was a no-brainer.  It was one of the nicest hotels we’ve ever stayed in.  We didn’t want to leave.

Deals like this are everywhere.  But you have to dig around to check the rates.  Be optimistic and go for the best hotel, you just might get it for cheap!

Filed Under: Moving, Save Money

10 Steps to Solve a Sleeping Problem

July 21, 2010 by Casey

The worst thing in the world is to try to sleep and not to.  ~F. Scott Fitzgerald

sleep

Life on little sleep is rough. I took sleep for granted until my second deployment. I worked the graveyard shift and had to train my body to sleep during the day. Many nights I would lay in bed for hours before finally falling asleep. On the worst nights I would lie in bed awake all night long, only to get up and go to work completely fatigued.

I solved my sleep problem mostly by controlling my environment and changing my habits. I took prescribed medicine for a short time as well, but looking back it was only a temporary band aid. Here is my 10-step program for getting a good night’s sleep:

1. Keep the light out

Cover your window with foil, put a blanket on the cracks of the door; do what’s necessary to make your bedroom completely dark.

2. Use a fan to blur out noise

A fan creates a constant hum that can help drown out common noises that would normally wake you up.

3. Tell your neighbor to shut the @#$ up

My neighbor in the dorm would come home every day and slam his door. He got phone calls right in the the middle of my sleep. I confronted him every time, and finally on the 4th talk he stopped doing it. Don’t be shy and curse under your breath. Take action or they’ll never stop. If you’re in a house by yourself, turn off the ringer on the phone and put a note on the door to not disturb you.

4. Avoid caffeine 8 hours before bedtime

Try to stop drinking coffee and soda 8 hours before you go to bed. Caffeine stays in your system for a long time and should not be underestimated.

5. Exercise

Running, swimming, and other activity relieves stress and make you tired. However, be careful to not work out too close to your bedtime. Exercise gets you pumped for the first 2-3 hours after and may keep you from sleeping.

6. Get off the computer

The light from a computer screen or TV stimulates your body. Try reading a book for 30-60 minutes before bed instead.

7. Be consistent

Try to go to bed and wake up at the same time every day. In addition, do not try to go to sleep immediately after you get home. Your body needs some time to adjust and relax.  Stick to your schedule as much as possible on the weekends.

8. Count back from 100

All of the steps before this set the conditions for sleep. Now let’s get to it and get some sleep!  Lie down and count back slowly from 100. In between each count, push out all of your thoughts. You want your mind to completely relax. Do not think about your problem at work or an errand you need to do tomorrow. Try to breathe deep, count, and relax. Under the right conditions you should fall asleep within 15 minutes.

9. Get out of bed if you don’t fall asleep in 30 minutes

If you stay in bed longer than 30 minutes you will start to toss and turn. You will probably stress about not getting sleep, which will in turn make it harder to fall asleep. Rather than fight yourself, get up and do something for 20 minutes. Read a book or magazine or play guitar (that’s what I do). After about 20-30 minutes, try to fall asleep again by counting down.

10. Visit a doctor

This is the last step because you should try natural remedies before going to the doctor. Your doctor will probably give you a drug like Ambien.  A drug like this helps get your circadian rhythm in order by forcing you to sleep at a certain time.

I won’t lie – Ambien kicks ass.

If you go to the doctor they will probably give you some, but it won’t last forever. Drugs help you quickly shift to a new sleep schedule, but should only be relied upon for about a week. If your doctor is good, they’ll probably ask several questions about your sleep environment and routines. Their suggestions in this area will be more helpful in the long run than the drugs.

Additional Resources

Harvard – Healthy Sleep:  12 Steps to Improve your Sleep

May Clinic: 10 Steps to Better Sleep

Filed Under: Deployment

Military Alphabet Explained

July 19, 2010 by Casey

Have you ever spelled your name over the phone and had the other person question certain letters?  For instance, “did you say D as in Dog?”  Now imagine you’re conducting a military operation where each letter is part of a coordinate used to target the enemy.  Any confusion could get someone killed.  The military alphabet solves this problem by clearly labeling each letter with a word:

A:  AlphaMilitary alphabet over a radio
B:  Bravo
C:  Charlie
D:  Delta
E:  Echo
F:  Foxtrot
G:  Golf
H:  Hotel
I:  India
J:  Juliet
K:  Kilo
L:  Lima
M:  Mike
N:  November
O:  Oscar
P:  Papa
Q:  Quebec
R:  Romeo
S:  Sierra
T:  Tango
U:  Uniform
V:  Victor
W:  Whiskey
X:  X-Ray
Y:  Yankee
Z:  Zulu

Filed Under: Join the Military

Top 3 Banks Offering Low VA Mortgage Interest Rates

July 19, 2010 by Casey

Compare rates among these three banks.  Whichever you choose, you’ll end up with a very competitive rate, low fees, and outstanding customer service.

1. Pentagon Federal Credit Union – my first home loan was through PenFed. I found them through the FatWallet finance section.  When every bank offered me 7.0 percent, PenFed came in at 6.25.  They are very competitive with closing costs as well.

2. USAA – while USAA may not always have the lowest rate, they are competitive and should be compared when shopping for a home loan.  Their customer service is unmatched. One caveat:  USAA transfers the servicing of your home loan to US Bank once the application process is complete. I refinanced with USAA and was bummed to find out that I had to use a separate website and login.

3. Navy Federal Credit Union – I consistently see NFCU compared with PenFed and USAA as having the best rates in the business.

Who do you recommend when comparing home loans? Let us know in the comments.

Filed Under: Real Estate, Save Money

To DITY or not to DITY

July 18, 2010 by Casey

DITY move

A do-it-yourself move can certainly earn you some money, but is the hassle worth it?

Partial DITY – a no brainer

There is no reason not to fill up your personal vehicle with everything you can fit. Be sure to weigh your car empty, then weigh it full to get full credit for your weight. A full car moved about 500 miles will probably earn you $300.

Full DITY – signs point to “no”

A full DITY will definitely earn you more money, but you need consider the following before you do it:

  • Are your new coworkers willing to help you unload everything?
  • Have you already found housing at your next base? If not, you’ll need to either pay for a moving truck while you search for a home, or worst yet, move your stuff into storage, then move it back out again once you find a house

It’s a bad first impression to show up at your new base expecting your coworkers to move your household goods. They’ll probably help, but will know that you simply want to make some money on the move.

I helped a new Airman unload her household goods into storage while she looked for a home. Five days later, she asked everybody to help her move everything out of storage and into her new home. We helped her, but our shop was very frustrated that she chose to move herself without a full plan in place.

In summary, a full DITY move is only recommended if you have housing lined up at your next base, and already know friends or family that can help you unpack.

What’s your opinion on DITY moves? Have you ever done a full DITY move?

Filed Under: Moving

Watch Netflix Streaming From an Overseas Base

July 15, 2010 by Casey

I’m not sure if this solution works, so I removed the article. Also, according to Netflix, they are exempting overseas bases from overseas restrictions.

Filed Under: Deployment

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