FORT RUCKER / MILITARY FAMILIES / FINANCIAL PLANNING SEMINAR
FORT RUCKER MILITARY FAMILIES
Are you ready to decide to be debt free?
Or would you like to learn more about Finances?
Army Community Services (ACS)
-
Financial Readiness Program
Presents
CLASS COURSE:
Savings, Eliminating Debt, Investment, Insurance, Real Estate, Building Wealth, Giving
When: Wednesday Evenings October 1 - January 14
Time: 5:30 - 8:00 (light dinner will be served)
Where: Bldg 5700 Room 284
SPACE IS LIMITED - RESERVATION REQUIRED
SUGGESTED $10.00 NON-REFUNDABLE DONATION (one-time per family)
Attention Active Duty Members:
Promotion points for E1-5.
There is no childcare provided (sorry), but you can try to arrange some through Family Child Care .
Picture courtesy: Microsoft clip art
original post - www.activerain.com
Relocating to the FT Rucker area?
Request a FREE Relocation Packet from the Military Spouse Relocation Specialist.
Contact Michelle Tucker @ 334-237-2657
First time home buyers request your FREE buyer's guide.
Email : Michelle@MichelleSellsAlabama.com
Included in Fort Rucker Online Relocation Guide - Enterprise AL : Home of Fort Rucker U.S. ARMY Aviation Training Center.
Original Post: www.Activerain.com
Living on-post has changed drastically. Fort Rucker in the past few years has gone to a privatized management company. FT Rucker's on post housing is no longer handled by the US Army, but by Picerne Military Housing Management Company. The thought of waiting until retirement to purchase a home has become a thing of the past. Active Duty Military families are now opting to make their tax-free BAH (Basic Allowance for Housing) build equity in home ownership.
Now could be the perfect time in the Fort Rucker / Enterprise area to purchase a home. Market statistics suggest that the FT Rucker area is a buyer's market. In a buyer's market, home buyers can capitalize on the lower interest rates along with some lower prices and motivated sellers.
Buying a home with your tax-free BAH money is a real tax advantage. Not only is your BAH non-taxable income but the mortgage interest is also a itemized tax deduction.
If you are a first time home buyer (or have not owned a home in the past 3 years), Congress passed a $7500.00 tax credit for qualified purchases between April 9, 2008 and April of 2009. Contact Michelle for more details and to see if you qualify for the tax credit.
Should being an active military member stop YOU from buying a home?
Before you make that decision you should consider the following questions:
After you and your family have decided that buying a home in the Fort Rucker area is your next step, let's take a look at the BAH rates for FT Rucker, Enterprise Alabama and Wiregrass area:
Effective Jan. 1, 2008
| Rank | BAH w/o Dependent | BAH w/ Dependent |
| E-1 | $553 | $697 |
| E-2 | $553 | $697 |
| E-3 | $553 | $697 |
| E-4 | $553 | $697 |
| E-5 | $603 | $766 |
| E-6 | $945 | $1260 |
| E-7 | $1004 | $1339 |
| E-8 | $1069 | $1425 |
| E-9 | $1118 | $1490 |
| W-1 | $946 | $1261 |
| W-2 | $1031 | $1374 |
| W-3 | $1119 | $1479 |
| W-4 | $1280 | $1494 |
| W-5 | $1358 | $1511 |
| O-1E | $1017 | $1356 |
| O-2E | $1097 | $1463 |
| O-3E | $1260 | $1496 |
| O-1 | $627 | $822 |
| O-2 | $1005 | $1249 |
| O-3 | $1120 | $1475 |
| O-4 | $1347 | $1518 |
| O-5 | $1399 | $1546 |
| O-6 | $1479 | $1559 |
| O-7 | $1509 | $1577 |
NOW, lets take a look at Rent Accumulation. The Chart below illustrates how much you and your family pay toward your land lord's mortgage or to Privatized Housing Management Companies over a period of time, with NO TAX ADVANTAGE to you and your family.
|
If your monthly rent is:
|
1 Year |
2 Years |
3 Years |
4 Years |
5 Years |
10 Years |
15 Years |
20 Years |
|
$600 |
$7,200 |
$14,400 |
$21,600 |
$28,800 |
$36,000 |
$72,000 |
$108,000 |
$144,000 |
|
$700 |
$8,400 |
$16,800 |
$25,200 |
$33,600 |
$42,000 |
$84,000 |
$126,000 |
$168,000 |
|
$800 |
$9,600 |
$19,200 |
$28,800 |
$38,400 |
$48,000 |
$96,000 |
$144,000 |
$192,000 |
|
$900 |
$10,800 |
$21,600 |
$32,400 |
$43,200 |
$54,000 |
$108,000 |
$162,000 |
$216,000 |
|
$1,000 |
$12,000 |
$24,000 |
$36,000 |
$48,000 |
$60,000 |
$120,000 |
$180,000 |
$240,000 |
|
$1,200 |
$14,400 |
$28,800 |
$43,200 |
$57,600 |
$72,000 |
$144,000 |
$216,000 |
$288,000 |
|
$1,300 |
$15,600 |
$31,200 |
$46,800 |
$62,400 |
$78,000 |
$156,000 |
$234,000 |
$312,000 |
|
$1,400 |
$16,800 |
$33,600 |
$50,400 |
$67,200 |
$84,000 |
$168,000 |
$252,000 |
$336,000 |
|
$1,500 |
$18,000 |
$36,000 |
$54,000 |
$72,000 |
$90,000 |
$180,000 |
$270,000 |
$360,000 |
As you can see, paying a monthly rent can quickly add up. Instead of wasting your BAH on rent - LET IT BUILD EQUITY - for you and your family.
MAKING YOUR BAH WORK FOR YOU AND YOUR FAMILY
Relocating to FT Rucker? Request a FREE Relocation packet to prepare for the move.
If you would like to purchase a home in the Fort Rucker / Enterprise area
call Michelle @ 334-237-2657. We can discuss your future plans and I can set you up on an email campaign to receive the new listings quicker than YOU can find them.
If you have any questions about real estate in Fort Rucker / Enterprise Alabama, contact Michelle Tucker with Realty World - SHAP at (334) 237-2657 or visit her personal website Fort Rucker Real Estate where you will be able to search for homes and find more Fort Rucker Real Estate information.
Click here for my ONLINE RELOCATION PACKET, or register for a RELOCATION PACKET to be mailed to you, which includes FT Rucker map, calendars of events, several other brochures and maps of the area.
Picture Courtesy of Michelle Tucker @ flickr.com
Copyright 2008. All Rights Reserved. Fort Rucker Real Estate Blog - Michelle Tucker
FORT RUCKER ON-POST HOUSING
MOCK UTILITY BILL ROLLS OUT
NOVEMBER 1, 2008
Information included in the Fort Rucker Relocation Guide
While relocating to FT Rucker late last year, the decision to live on Post was undetermined. The convenience of living on Fort Rucker was topping our list. At the time, the BAH rates had not risen. After evaluating the rental cost, utilities, commuting time and the convenience, living on post seemed to be the better financial alternative.
In Jan. 2008 the BAH rates rose for the FT Rucker area, closing the gap of the better financial alternative. Last week, I received a letter from Picerne Military Housing (the privatized housing management company) that got me to thinking about my alternative housing choice.
The Department of Defense (DOD) has implemented an Energy Savings Program. This program is plan that encourages residents to be more responsible for natural gas and electric consumption in homes on-post. The DOD program places the responsibility for the utility consumption on each resident.
The program will begin with mock billing of Army renovated homes in Allen Heights and newly constructed homes in Munson Heights, but will eventually expand to all newly-constructed and renovated homes on Fort Rucker. A monthly baseline will be calculated by averaging the consumption of occupied "like homes" in the same neighborhood each month. The resident's Basic Allowance for Housing (BAH) will cover the utility consumption up to the baseline. Those who consumption exceeds the current month's baseline will be billed for the excess consumption above the baseline. Those who consume less than that month's baseline will earn a rebate.
$15.00 is the trigger amount. Once any amount is $15.00 or greater, a bill will be generated or a rebate check will be issued.
I would have to agree that I have seen residents living on Fort Rucker who do not take steps to conserve our FREE utilities. After living off-post for many years and paying utilities, it becomes a habit to turn off lights, only run a full load dishwasher and washing machine. I would also have to agree that this responsibility will bring awareness to those who carelessly misuse their consumption of utilities.
Now, I will have to take another look at: "living on post, the better financial alternative". Will our consumption exceed the baseline? Will I be paying more than our alotted BAH to live on post?
By living on post we gave up the updated living standards in exchange for cost and convenience. Now, with the uncertainties of the utility bills our cost factor might get bumped from the list. Convenience VS Updated living standards.....that is what I am looking at! Which would you choose?
Currently our BAH gets us this:
Military Spouse Relocation Specialist
Information deemed reliable but not guaranteed
original post: http://activerain.com/blogs/michelletucker
Picerne Military Housing is holding a Community Yard Sale Saturday, September 6 from 8 a.m. until 12 p.m. The event will be held on FT Rucker, behind the Bowden Terrace Neighborhood Office in the large field across the street from Child and Youth Services. Parking will be available in the lower portion of the field off of Baker Street. All families currently living in on- post housing on Fort Rucker are invited to sell any household items. The resale of new items (as in a business) and the sale of animals are not permitted. Those wishing to donate any items not sold will have the opportunity to donate to a local charity by noon on the day of the event. If your items are not accepted by the charity, it will need to be removed by the resident at the end of the event. For details on how to reserve a spot for your sale items, please contact your Neighborhood Office at 503-3640 (Bowden Terrace), 503-3641 (Munson Heights) or 503-3642 (Allen Heights) or visit the bulletin board at www.ruckerpicerne.com.
Hope to see you there
Relocating to Ft Rucker and would like information about the Enterprise AL area? Request a FREE Relocation Packet (maps,calendar of events,community information, child care providers).
FT Rucker Community Yard Sale / Fort Rucker Community Events
Michelle Tucker - Realty World SHAP
Fort Rucker and Enterprise Alabama
Local guide for the 2008 Hurricane Season
PART 3
Fort Rucker Hurricane Evacuation Plan is part 3 in a series. The series has highlighted all the necessary information you will need to know in the event of Hurricane or Tropical Storm. Part 1 - Are you prepared for the 2008 Hurricane season has a complete checklist of items you should have on hand. To make the preparation easy and simple for the military families stationed on Ft Rucker, the items you will need in your Hurricane Locker are referenced by the aisle number at the Ft Rucker Commissary. Part 2- Not Prepared, is a reminder that at anytime weather can take a turn for the worse. Take 30 minutes of your time to adequately prepare and plan for the Hurricane and Tropical Storm Season.
Alabama Department of Transportation (ALDOT) has taken steps to ensure the safety of all residents of Alabama and neighboring states (Florida, Mississippi) during a time of sever Hurricanes and tropical storms evacuation. Evacuations from the southern region might be necessary if hurricane moves in from the Gulf waters.
Alabama Department of Transportation has developed the I-65 Lane Reversal Evacuation Plan to aid in moving motorist from the Southern Region of the United States. In the time of a Hurricane Evacuation, the I-65 southbound lanes will be reversed so that all lanes will allow motorist to travel north.
VIEW THE ALABAMA HURRICANE EVACUATION GUIDE FOR MORE DETAILS
I-65 Lane Reversal Facts:
* Southbound lanes will become northbound beginning in Baldwin County between the
Delta River Bridges and Highway 225 interchange (Exit 31).
* Reversal Lane will end south of Montgomery. Traffic will be temporarily diverted onto U.S. 31 North. Law enforcement and ALDOT personnel will direct traffic back onto the normal northbound lanes of I-65 at various locations in the Montgomery area.
* Law enforcement and ALDOT personnel will be posted at each exit.
* Along I-65 and U.S. 31 there will be electronic signs to display travel information. In addition, there will be certain signs on I-65 that will flash an ALDOT AM radio station for additional evacuation information.
* Alabama Service Assistance Patrol (ASAP) and law enforcement will be available on I-65 for assistance.
FROM HOUSTON COUNTY:
NORTH 231 TO MONTGOMERY OR NORTH 431 TO AUBURN/OPELIKA
FROM FORT RUCKER:
ANDREWS AVE. OUT OZARK GATE. PROCEED TO OZARK TAKE A LEFT ON NORTH 231 TO MONTGOMERY
FROM COFFEE COUNTY:
IN ENTERPRISE - TAKE 167 NORTH TO TROY CONTINUE ONTO NORTH 231 TO MONTGOMERY
IN ELBA - TAKE 87 NORTH TO TROY CONTINUE ONTO NORTH 231 TO MONTGOMERY
VIEW ALABAMA HURRICANE EVACUATION ROUTES FOR MORE ROUTES
VIEW A COMPLETE MAP OF ALABAMA HURRICANE EVACUATION MAP
Reminder:
*Assemble a disaster supplies kit.
*Important documents (i.e.: insurance and medical) should be placed in waterproof containers.
*Map you route. Know your evacuation route for the Fort Rucker / Enterprise area.
*During an evacuation be prepared to drive inland as far as necessary to a safe region.
*Locate shelters or hotels prior to evacuation.
*Secure your home to help reduce damage.
*Remember your pets.
*Bring extra cash, due to power outage, ATMS may not function.
*Fill your vehicle with gas and ensure the car is properly serviced.
*NEVER DRIVE THROUGH WATER.
INFORMATIVE LINKS:
HURRICANE CALL CENTER STATUS UPDATES
ALABAMA EMERGENCY ROAD CLOSURES
Read other posts in the Hurricane Season 2008 series:
Are you prepared for the 2008 Hurricane Season
Unprepared for Tropical Storm Fay
Michelle Tucker - Realty World SHAP
Relocation Specialist for the Fort Rucker Area
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Hunter Army Airfield (HAAF) & Fort Stewart Military Relocation Specialist. Homebuying and home selling in the Savannah area made easy!
Welcome to FORT RUCKER
Fort Rucker is centrally located between Enterprise, Daleville and Ozark ALABAMA. A short drive south on HWY 231 you will be in Dothan, AL. Dale County and Coffee County are located in the Beautiful Wiregrass Community in the State of Alabama.
The Fort Rucker / Enterprise area offers some of the best views of helicopters. Ft. Rucker is home of the US Army Aviation and the Army Aviation Museum. A favorite with military retirees, the small towns of Ozark and Enterprise combine exceptionally low home prices with quality living.
Enterprise AL Real Estate / Fort Rucker AL Real Estate / Coffee County
Proudly Serving Ft Rucker - Enterprise - Daleville - Ozark
Michelle Tucker / Realty World / Southern Homes & Properites LLC
I was raised in Port Orchard, WA in the Great Northwest and attended South Kitsap High School. Moving on to Tacoma is where I met my husband who was in the United States Army stationed at Fort Lewis. Military Permanent Change of Duty Station (PCS) orders took us on a world wide adventure.
Stationed at Fort Gordon in Augusta GA, we decided to take a leap and get a piece of the American Dream - Homeownership. The process from start to finish was full of questions and uncertainties. After the closing I could not stop thinking "what did we just sign." A few months later I enrolled for the Real Estate course with Meybohm Real Estate Institute. A year after passing the state exam, I decided I wanted to help first time home buyers understand the process and educate them on the biggest purchase they will make. I placed my license with Blanchard & Calhoun Real Estate Co. in South Augusta where I received top notch training and unforgettable mentoring. Thank you Linda Squarcette and Caroline Hampton.
Being an US Army spouse for 10 years, I understand the demands of a military PCS move. If you are not assigned a sponsor or they fail to provide you with the information you need or desire. Call Michelle Tucker and request your FREE FT RUCKER RELOCATION PACKET and get first hand knowledge of the Fort Rucker, Enterprise, Daleville, Ozark, New Brockton, Elba and surrounding Wiregrass area.
Ask me about my "FREE - No Obligation Guarantee"
"Thank you for educating us and helping us to understand our first home purchase. Your patience and dedication will never be forgotten. When we think Real Estate - we will think of Michelle Tucker, NO MATTER WHERE YOU ARE. We hope others get the chance to work with you at your next duty station." AnnaMaria & Joseph Gibbs - Grovetown, GA.
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My name is Tina Bovier and I am writing this letter to provide any future home buyers or sellers a testimonial to my personal experience with Michelle M. Tucker as my Realtor. I had fallen on hard times as many others have in this housing market. In July of 2006, I decided to put may house on the market with the first company I picked out of the phonebook without much research. I signed a contract for six months.
In six months time, my agent did not show my house not once! Around the first of January 2007, I was notified that both mortgages had intended to foreclose. I had resolved myself to this fact and began vacating the premises. I had known Michelle for about three years prior and she convinced me to let her have a try at selling my house.
She worked tirelessly and relentlessly. She made suggestions on how better to present the property, (i.e. trimming trees and bushes that concealed the entrance way). She took many pictures to best represent my home in the listing. I truly believe she is a miracle worker because by January 28, 2007, she had found an interested couple who almost immediately signed a purchase agreement. The successful sale of my house and property closed on March 6, 2007. This was approximately six days before it was to be auctioned of at the Richmond County Courthouse. I celebrated! Michelle is a good person, an excellent Realtor, and my friend. If you and your family are interested in buying or selling a home, please ask me about Michelle M. Tucker. I would be more than happy to answer any questions you may have. My email address is tboiver@aug.edu.
Tina Bovier - Augusta, GA
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I did nothing more than my job and was happy to help you and the Slagles in finding what they needed and really, a happy and content customer is more than I can ever ask for, but to get a happy and content colleague, that is more than I deserve. You know, you will always have someone that will help you in this area.
Thank you for your support on your end and I would be more than happy to help with any other customers you have coming to Ft. Campbell area. I am very humbled by your comments and have no idea how to thank you!
Thanks again and really, THANK YOU for your kind words!
Meli Gerogianis - Keller Williams Realty
2271 Wilma Rudolph Blvd
Cell: 931-378-9601
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