Sunday, December 17, 2017

2018 BAH Rates Just Released

2018 BAH rates were just released. Depending on your zip code you may have an increase or a decrease in your areas BAH. For example, I live in San Antonio and will receive an extra $18/month in 2018. 

If you notice that your rates are going to decrease, don't panic!!! If you live in an area where the rate is getting lowered for 2018, you will be grandfathered into your old, higher rate until you leave the area or change rank. Also, if you get promoted and your new rank receives a lower rate, you will continue to receive your old, higher rate.

Click here to check your new rate

Over the last several years, here are the actual BAH average increases:
2018 - 0.7%
2017 - 2.4%
2016 - 3.4%
2015 - 0.5%
2014 - 5.0%
2013 - 3.8%
2012 - 2.0%

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Thursday, November 30, 2017

Military Discount - 2016 Microsoft Office for $9.95

Did you know that Military can download 
2016 Microsoft Office Professional Plus for $9.95! 
This is a steal of a deal. Normally it costs $399...yikes. You can use the download link on two computers also, which makes the final price like $5 per computer. 

Here are 8 easy steps for the Military Discount 
on Microsoft Office

1) Click here to visit Microsoft Hub
***Use your home computer/laptop (not your military laptop or military work computer)***

2) Enter your military email address 
For example:,, or

*Your email must be in the following format,, etc

If you are a veteran and don't have a military email,
 then you can still get a one year subscription for a discounted price ($62)
 at the Microsoft Store for Military

3) Enter the program codes below:
(Updated November 19, 2016)

If that doesn't work than try NOT entering any code. Some people have had success entering NO code. 

enter the code 44C0707F11

Air Force
New code for 2017 Air Force members4A82EF7B8F
If you are AIR the blue link that says you do not know the program code and it will send you an email with what you need. I tried with the code first, then without the code... and that is what worked for me.

This code should work for Navy - 44C0707F11
or 22FCF442D2 or 18DCD3115E
Read our new post specifically for Navy Members - Click Here
For Non-NGEN USMC users: use program code 44C0707F11
For NGEN USMC users: use program code or 18DCD3115E
The code 67F2F2491D also has been reported to be successful as well. 

*Remember try entering your email address without any code FIRST

4) They will then send you an email that contains a link to download the software
 GREAT TIP from comments below - "Make sure to use your work .mil address and then forward the confirmation email to your personal PC. I have done it for both my Mac and Windows 8.1"

5) Click on the link inside the email
GREAT TIP from comments below - "Make sure to use your work .mil address and then forward the confirmation email to your personal PC. I have done it for both my Mac and Windows 8.1"

6) It will bring you to the page below

7) Proceed with the checkout and click install

8) YOU'RE DONE!!! (takes about 5 minutes)
CLICK HERE or click the Picture Below to take you to 
the $9.95 download page or  

Please comment below your Military branch and if it worked for you. If it didn't work for you give us more details then just "the code didn't work". Tell us your branch, status, email address, and details like you didn't get the email, or it wouldn't accept my military address, etc. and we will try and help. 

If you are a veteran and don't have a military email then you can still get a discounted 1 year price ($62) at the Microsoft Store for Military. Right now they are giving an extra 10% off

The military also provides McAfee or Norton Antivirus software free of charge , visit our page Military Free Antivirus Software (McAfee - Norton) to learn how to download it. 

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Tuesday, November 14, 2017

Get a Top Rated Breast Pump for Free

Did you know if you have TRICARE Insurance you can get a breast pump at $0 cost to you!? 

The Breastfeeding Shop lets you choose from the top rated breast pumps available and will ship directly to you with no out of pocket cost! 

Click Here to learn more or order your breast pump today!

My experience
At my on-post prenatal visit, the doctor gave me a paper prescription for a breast pump, as well as a list of phone numbers of companies to order from. However, I thought it would be more simple to order online than to call and have to get them my prescription somehow. So I went to to order a pump.

It could not have been easier. I filled out the Insurance Order Form (I have Tricare Prime), and the Accessory Order Form. On the Insurance Order Form I uploaded a picture of the prescription that my doctor had given me using my phone.

I got the pump in three days - a Spectra S1 (I've previously owned the Medela, and the S1 is much better in my opinion) and lots of equipment to go with it like bottles, extra tubes, etc. It was the easiest experience and fast shipping! The Breast Feeding Shop made it so fast and easy! I'm recommending them because I've personally used their service!

Sunday, November 5, 2017

Veterans Day 2017

Veterans Day is coming up this Saturday (November 11th). As always there are hundreds of restaurants and businesses that will be giving away free food and services to active duty military and veterans. 

Here is the quick low down on the upcoming discounts

  • Today (Sunday November 5th)
    • Free meal at McCormick or Schmicks Seafood
  • Tuesday (November 7th
    • Free meal at Chipotle (BOGO)
  • Friday November 10th (the day before Veterans Day)
    • Free meal at Denny's, IHOP, Farmer Boys, Firebirds, and BJs

There are two other sites that I like this year that clearly outline the upcoming military discounts. These two sites get updated daily: Military Benefits 2017 List  and Military Wallets 2017 List

Wednesday, October 25, 2017

Roth TSP increases to $18,500 in 2018!!!

The IRS just announced that in 2018, uniformed service members can now contribute $18,500 to either a traditional or Roth TSP.

This is an extra $500 per year! If you are active duty your goal should be to try and put away as much as you can each year since you get tax benefits on your contribution.

Sunday, October 22, 2017

Free Tickets for Military Members!

If you haven't heard about VETTIX yet than you've been missing out. To date I've gotten free NFL football tickets, MLB tickets, NBA Tickets, Michael Buble tickets, Air Force Football tickets, comedy show tickets, Cirque du Soleil and many others.

Right now I've noticed they have alot of free sports events!

Some of the examples of tickets offered:

  • Pro Sports (NFL, NBA, NHL, MLB)
  • Operas and Plays
  • Concerts
  • Seasonal Activities (Haunted Halloween Houses or Polar Express)
  • College Football, Basketball tickets, etc


Click on this link >> Vettix.  After clicking on the link, you'll be brought to a screen like this:

Once here: 
1.)Select your current status in the Military
2.)Scroll to the bottom and Select your Branch
3.)Enter your military associated email address (.mil or .gov, etc)
4.)Click submit. 

They will send you an email with instructions on how to verify your account. That's it!

I recently received tickets from them to a college football game. They sent me the tickets priority mail. The tickets were free of charge but they do charge a shipping fee which was like $10 for 4 tickets.

Here are some Pictures from the game. Thanks Vettix!

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Friday, September 22, 2017

American Express Platinum partnership with Uber and UberEATS

American Express recently (Mar 2017) partnered with Uber to offer a $200 credit to all Uber purchases annually on their AMEX "Platinum" cards. They give a $15 credit monthly (+ $35 in December).

This $15 credit can be used for Uber and for UberEATS. When you add your card to the Uber or UberEATS iPhone app it will show up as a credit. I have three AMEX Platinum cards so after adding them, it showed up as a $45 credit.

I rarely use Uber so I recently used UberEATS for the first time. My wife and I ordered a couple of Subs from Firehouse Subs and had them delivered to our house. There is a $4.99 processing fee that includes the cost of delivery. No tip is required.

What American Express Cards Qualify for this DEAL?
  • All regular platinum cards (including the Mercedes Benz, Schwab, Ameritrade variants)
  • The business platinum does not count toward the deal. 

Whats the most effective way to maximize the discount?
  • If you have multiple cards, make just one order, that way you only have to pay one processing fee.
  • If you only have one card, look for a meal around $10. With the $5 processing fee you meal will then come out to be FREE. 
  • Use a sign up bonus to get $5 off your first 2 orders. Mine is eats-uberd4m. Just enter in that code on the promo box in the app once downloaded - link - or download app

Looking to sign up for the AMEX Platinum. Current sign up bonus is 60,000 points (~$600-800 depending on how you redeem). If interested, email me at and I will split referral bonus with you ($150). 

Examples of restaurants and specific item options

Other helpful pages
Doctor of Credit

Like what you read? Want more deals for military?

Tuesday, August 29, 2017

Cabela's Military Discount

Cabela's has updated their military discount, and is now offering a 5% discount to military everyday. 

The discount applies to Army, Navy, Air Force, Coast Guard, Marine Corps, Active Duty National Guard, and Reserve.

1.) In Store
Simply show your military ID at checkout

2.) Online
Go to Cabela's Military Pageclick the "Verify your military status" button. Once verified the military discount will be automatically applied to all future online purchases

3.) Other ways
Call 1-800-237-4444 and they will verify you over the phone

Our Verdict
Obviously awesome anytime a company offers a military discount! Previously they did not have a set discount for military. Some stores offered 0% and some offered 10% off. So this could be a good or bad depending on what you got in the past. 

For more info, click HERE.

Like what you read? Want more deals for military?

Tuesday, August 22, 2017

How to MAXIMIZE your TSP

When it comes to long term scheduled investing there are two trains of thought. I will apply both of these to the TSP. The TSP allows you to contribute $18,000/yearly into a retirement account.

Here are examples of both examples:

1.) Dollar Cost Averaging - this means putting a fixed amount of money into the TSP every month.
  • Example: Putting $1,500 into the TSP every month. 1.5k x 12mon = 18k. This would allow you to max out the TSP while potentially reducing your risk of incurring a substantial loss resulting from investing the entire "lump sum" just before a fall in the market.

Saturday, August 12, 2017

Free Stock (up to $200 value) for signing up with Robinhood

Robinhood is offering 1 FREE stock up to a $200 value as a limited promotional sign up bonus right now.

Robinhood is a mobile stock trading platform that lets you buy and sell stocks for completely free (no costs!). 

To get your free stock, sign up here!

Monday, August 7, 2017

Military Discounts - Free Admission to Zoo's

Summers almost over. Have you visited the Zoo yet? Zoos love giving Military Discounts. We have put together a list of 30 Zoos and their respective Military Discount. Some of them are FREE (i.e. Bronx, Houston, Pittsburgh, San Diego). And many others offer up to $6 off admission.

Check out the 2017 list below!

Here is the list of Zoos that offer Military Discounts: (Free Admissions in Bold)
  • Atlanta Zoo
    • $4 off general admission
  • Bronx Zoo
    • 1 Free Ticket and 50% off for three additional family members

Saturday, July 1, 2017

Thoughts on the New Blended Retirement System

Starting Jan 2018, military members have an opportunity to switch over to the New Blended Retirement System.

The BIG question is.....Should I opt in?

Monday, May 1, 2017

Lowes Broadens 10% Military Discount to Include All Veterans

Lowes has previously been offering a 10% discount to Active Duty, 20-year-service Veterans, and VA Recipients and their immediate family. But they announced today that they will be expanding the discount to include all retired and honorably discharged veterans.

Image result for lowes

To get the everyday discount, apply at

Lowes will either add the automatic military discount to your existing MyLowes Account or send you a MyLowes card which applies the 10% discount at the register or online. 

You can read the official news release HERE with more information.

Like what you read? Want more deals for military?

Friday, April 21, 2017

Paying your Tricare Dental Bill with a Credit Card

Starting May 1st, Tricare is switching my family Dental Plan from Metlife to Concordia.

This post goes over how to switch your Tricare Dental Bill over to your credit card so you can get credit card rewards points instead of having the payment deducted straight from your paycheck.

First lets briefly go over what the Tricare Dental Plan is about:

  • As an active duty military member, the military gives me free dental coverage that includes basically everything I would need to get done
  • For your Family/Dependents, you can purchase the Tricare Dental Program for a minimal monthly fee (Single-$11.10/month,  Entire Family-$28.87/month). See table below for full details.

This provides free yearly checkups, and discounts on all dental procedures (see costs here)

The payments are normally automatically deducted from your LES.

Here are the steps to switching it over to your credit card
Step 1 - Visit the United Concordia Website and log in ---> LINK
Step 2 - Update "My Preferences"
Step 3 - Click on "Manage my Billing Preferences"
Step 4 - A new window should open up (see pic below). You may have to enable "pop up boxes"

Step 5 - Click the payment tab. Then on the bottom right you should see a box that says "add". Click the "add" Box
Step 6 - Click on the tab "Payment Method List"
Step 7 - Click on the add button under the credit card section
Step 8 - Enter in all your credit card info
Step 9 - Go to the "Recurrent Payment List" tab
Step 10 - Click Add. Select the credit card you just entered. Change setting to "ongoing" or until a certain date
Step 11 - Done

Family Plan would be $28.87/month = $345year. You put this on your USAA's new 2.5% cash back credit card and that's an extra $9 bucks a year. Not much but it takes like 5 minutes to set up. I'm going to be in the military at least 7 more years so that's an extra $60 in credit card reward points for logging in and changing my information. 

Friday, April 14, 2017

Ford Military Discount $1000

I recently bought a new F-150 truck from Ford. I personally hate car dealerships and think they are pretty dishonest/shady establishments so I share my story and suggestions to try and help you save some money. I also bought a new Minivan from Honda earlier in 2016 (Click the link to be taken to that post).

Ford has a standard $500 Military Discount (keep reading on how to get $1000). The discount is available to the follow personnel:

  • Active Duty
  • Reservists serving on active duty
  • Veterans within 24 months of separation
  • Retirees
  • And spouses of the above categories. 

To get your $500 certificate, you go to and print out a certificate which you bring to the dealership with your military ID

There is also a $1000 and $750 discount that are occasionally offered. In the last 6 months, Ford has sent me the $1000 offer twice. The key to qualify for this offer is be patient or to register for the standard $500 offer, typically within 2-3 months they will send you a personal increased offer. I think it is a way to incentivize you to come back and buy their car incase you forgot about them. No matter the reason, its an extra $500 in your pocket above the standard offer. 

I wrote about my personal experience and all the discounts I was able to get applied on a F150 Forum. Here is the link for full details. I ended up getting about $12,000 below MRSP using various discounts. It also describes how to get a better auto loan quote. I wouldn't settle for the first offer you get. USAA originally quoted me 3.5% then I got a better rate and asked them to beat it and they counter-offered 1.87% (HALF the original offer)!

Best Strategy
I was able to get my F-150 at a great deal. Here are a couple of suggestions. 
  • Check out online car forums beforehand. I searched through several "what did you pay for your truck" forums to find out what the cheapest price other people were walking away with on the same model I wanted. That way you can walk into the dealership with a hard figure you want them to beat. You want to walk out of the dealership with the lowest price anybody has ever gotten on the vehicle.
  • Call multiple dealerships in multiple cities. For example, Fresno (CA) and Seattle (WA) are on average 8% higher then the national average. It may be worth driving 40 miles in order to save $1500. Here is a list of the 10 cheapest and most expensive cities to buy a car in
  • Once you have a price from one dealership, ask the next dealership if they will BEAT the price. Dont just say they offered me "20k" will you match it, SAY they offered me "20k" I need you to beat it by $500 for it to be worth my time. Be specific with them. If they beat it ask the next dealership or the original one to beat it by $200, etc. I contacted/negotiated with 7 different dealerships.
  • TrueCar is okay, but Costco pricing is even better. Costco will often have specific incentitives like an extra $1000 off. 
  • HOWEVER, Dont settle for the TrueCar or Costco estimate, I got an additional $1400 off the Costco pricing and $2400 off the TrueCar estimate by asking for additional money off. 
  • When using TrueCars estimate, don't include your $500 Military Discount or Graduation bonuses in the cost because you are just cheating yourself. 
  • I don't recommend telling them about the Military Discount or Graduation Discount until the last second when you have already come up with a final price. At that time then say "Okay and i'm Active Duty Military so that will be an extra $500 off". They don't lose any money on the military discount but if you tell them about it at the beginning they will try and use it to their advantage saying they are giving you $500 off when they really aren't doing anything
  • 99% of the crap they say are lies. After this recent experience I am convinced Car Salesman are one of the most dishonest professions out there. They all say they exact same crap. "We'll throw in tinted windows and nitrogen in your tires. We are the only dealship that will do that". What they don't tell you is that comes pre--installed on every new minivan. Evey dealership has that in 100% of their cars. When you try and negotiate with them and say the other dealership gave you a better deal, they say crap like we'll thats what they said now..but when you get there they will tack on $1000 of dollars of extra fees. Not true. Salesman just love to lie.
  • When you negotiate talk about "price out the door". Thats the price you want to be comparing between all the dealerships. All cars have Title/Tax/License fees. Taxes can be a ton, depending on what state you live in. I live in Texas so the tax is 6.25% which his riduculously high. 
  • I made a google spreadsheat so I could keep track of all the different offers and update it when they gave me a lower price
  • If you call them on the phone to get a quote, give them your email and ask them to email you their total quote out the door. Don't fall for their trick of saying you have to come into their store to get a quote. Just another sales tactic. 

There are alot of other companies that offer military discoutnts (Here are a few examples)
Crystler - $500 off (link)
Honda - $500 off (link)
GM - discount varies (link)
Hyundai - $500 off (link)
Toyota - $500 off (link)