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Thread: A rule suggestion for the military Reply to Thread
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Topic Review (Newest First)
07-27-2011 07:39 PM
gonefhsn I agree with Cjohn every leader should take a financial management class...this way they are better equipped to help their joes
07-26-2011 12:55 AM
lscrx I've seen soldiers over here in Germany pay $2500+ for an Mk3 Golf that they could have bought for 750 euro on the economy. I'm glad they made it a rule that any car 10+ years old must pass USAREUR inspection before being sold.

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07-23-2011 06:03 PM
JCH841 It's a tough one. Some of these poor guys never had a steady paycheck before and don't even understand that taxes and social security get taken out. I felt the military absolutely sucked at preparing our young people (I was a Mustang O-4, so when I was vehement it usually upset people.) I had one kid that literally thought he couldn't be out of money because he had checks left - no joke. The military made everyone use direct deposit, he'd never had a bank account before and assumed we just added money as required. Don't even get me started on the used car lots near the bases. What's the difference between a carp and an used car salesman? One is a scum sucking bottom feeder and the other is a fish.
07-23-2011 04:47 PM
save_HUTCH Mine isnt a horror story at all. E-1, 08 Focus two year old in Apr '10. 187 a month for 66. Not to bad for my first loan ever.
BTW E-4 now so I make a bit more then back then.
07-21-2011 10:07 PM
lscrx I always tell new soldiers to get with me before buying a car, the ones that do are always glad they did.

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06-30-2011 11:21 AM
birdman_a15 I fell for it... Brand new E2 - $21000 for a 4 year old cavalier with a 24% APR... Life lesson learned. Part of me says, some need to learn this but the other side says you would go into combat by yourself, then why do this.

I don't know about having an NCO there but making a mandatory class for awareness sounds reasonable.
06-28-2011 12:06 PM
5characters My super. and I are pretty tight, he will kick my a$$ when I need it and tell me when I'm doing a good job. We bought a car not that long ago, and my wife, him and I all went over the details, and he asked can you afford this? And we showed him that we made X amount of money car cost R amount good chunck of change left over and we could, then he asked about insurence... All in all he really took on the 'leadership' role. So I guess what I am saying is know your troops.
06-28-2011 11:17 AM
brown7
Quote:
A fool and his money are soon parted


I got 8% 2-3 years ago and i still feel its too high...
06-27-2011 11:37 PM
CJohn364 The Army won't make this into a written rule, because it's the leadership's responsibility to know their Soldiers. It doesn't hurt to talk to them and learn what their interests, hobbies and background is. When Soldiers learn that they can afford stuff now or when there's a chance of big money to come (such as Per Diem from a deployment), it's that Soldier's leadership's responsibility to counsel the Soldier and inform them on things like that. Now, that being said, there are several commands and units that have shady places like that on their "black list" or "off limits" list. These "businesses" have the right to run a business, but it's our jobs as NCOs and Leaders to make sure our Soldiers are armed with the knowledge on these businesses so they don't get taken. If the Soldier ignores his leaders counsel and gets taken, it's the Soldiers fault not the leaders. We can't hold their hands for everything.

That's why Leaders need to be aware of the different programs out there, such as finacial management classes. It doesn't hurt to attend one of these to see what you could learn.
06-27-2011 10:13 PM
6SPD_soul I don't know, I've known a lot of NCOs that didn't know how to handle money any better than the next guy. The idea needs some refinement but it would be better for everybody to have dedicated people to talk to about financial decisions. Would make a hell of a lot more sense than some MOS', and it would actually transfer to the civilian world.
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