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Variable Pricing Pilot Program Kicks Off at 10 Commissaries

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Two big changes will be coming to commissaries around the world thanks to the 2017 National Defense Authorization Act (NDAA).

Currently the Defense Commissary Agency (DeCA) receives $1.3 billion in taxpayer funding annually. That funding covers the costs of operating the commissaries. Patrons are able to purchase goods at cost plus 5 percent. The 5 percent surcharge covers construction, equipment and maintenance to improve facilities.

Now the government wants commissaries to be more self-sufficient and not rely on such a huge amount of taxpayer money.

The 2017 NDAA, signed into law under the Obama administration, allows DeCA to start working on this in 2 ways. The first is introducing variable pricing and the second is creating a store brand or private label products. Variable pricing will be the first phase of this move and will start in 10 commissaries.

What is variable pricing?

Instead of the prices of goods at commissaries simply being the cost DeCA gets items at, prices now will be determined through multiple factors. This includes the cost of obtaining the item and the market price to name a few.

Commercial grocery stores use this same strategy to determine their product price points. Prices will shift with the market, but overall savings at the commissary will remain the same.

Under the new pricing model, the prices of products sold in commissaries will be based on a specific percent of savings that the same item would be sold for in commercial grocery stores in that particular region. That means that prices will no longer be uniform across commissaries and will instead vary by region and country

Don’t panic. That does not mean prices are about to skyrocket.

Each region has a specific saving percentage required under DeCA’s regional savings index. Overall, commissaries in the United States will have a 20.2% savings over commercial grocery stores. Prices vary even more overseas, so the total savings globally is set at 23.7%.

Depending on where you live, the cost of living can be higher or lower. To keep shoppers happy and enjoying the commissary benefit, different regions will see different prices, but all patrons will see a savings overall.

There are 36 commissaries in the New England area that will see a savings of 21.4% over commercial grocery stores. The 30 commissaries in the South Atlantic area will save 19.9% while the 33 commissaries in the South Central area will save 18.1%. The South Pacific area is slated for a 20.9% savings and the Mountain region will have a 17.6% savings. The North Central area only has 18 commissaries but they will all have a 20.2% savings while the 9 commissaries in Alaska and Hawaii will see 32.6% savings. Commissaries abroad will have a fantastic 44.2% savings over commercial grocery stores.

How did DeCA come up with these percentage savings?

Each market was evaluated independently and the prices were compared to commercial grocery stores in each area. Local and state food tax was taken into consideration as well as the 5 percent commissary surcharge.

The cost of living index was used to determine prices abroad. Each month all of this data will be recalculated to ensure prices stay on schedule with the appropriate savings over local grocery stores. As many as 1,400 items at each commissary will be compared to commercial grocery stores each month to ensure accuracy.

The list of the first 10 commissaries to use variable pricing has not been released as of publishing time. If we didn’t tell you variable pricing was coming, would you notice the difference?

Next time you shop at the commissary have a look around at prices and see if you notice a difference. Perhaps your commissary will be one of the first 10 to try out variable pricing.

What are your concerns about variable pricing at commissaries?

The Hidden Costs of Your PCS

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Money. You need it, often we feel we don’t have enough of it, and it requires almost constant management. Stir in a PCS and relocation and you’ve got the recipe for some of the unique challenges only members of our community will understand. But like many other things, a shared commiseration gives us the opportunity to share and learn from each other.

Having been through more PCSes than I can count on 2 hands, I’ve learned the best tool we have at our disposal is pre-planning. Good old Uncle Sam pays the movers to come and box everything up and move it, but there are lots of hidden costs that can put a strain on a family budget. Here are 3 hidden costs and strategies for overcoming them.

THE PROBLEM: EVERYDAY HOUSEHOLD SUPPLIES

You can’t move liquids (with the rare exception), chemicals, and open food items. This often means that just before a PCS, we’re tossing all kinds of cleaning supplies and emptying the refrigerator of things like ketchup, mustard and salad dressings.

Talk about feeling like you are literally throwing money in the garbage.

And once we arrive, those items must be replaced in a hurry.

SOLUTION: Plan ahead if you can. If you know you are due for a PCS, even if you don’t have orders, try to anticipate. Plan meals that will use up the last of that bottle of ranch dressing and buy smaller bottles of household cleaners. Yes, it might cost a little bit more than buying the family size, but in the end, you won’t end up having to throw away half a bottle.

Once you arrive, try to shop sales and buy in bulk to lower costs. Also consider easing into replacement items. A solid multi-purpose cleaner can hold you over for a few months to help spread out costs and a little meal planning helps to do the same for those refrigerator staples.

Also, as you get ready to PCS, consider selling items you don’t need or want. Use that extra money to help offset some of these hidden relocation costs.

THE PROBLEM: HOME SALE/RENTAL DEPOSIT

You’ve got to put a down payment or deposit down on your new home, but you haven’t closed on a sale or received your last deposit back.

SOLUTION: This one is a little trickier, but again, the key is to plan ahead if you can. Anticipate the overlap in timing by putting a little money in your savings account each month leading up to a PCS. It is much better to have extra money saved then to be caught between paychecks without the funds you need.

You may want to consider taking a pay advance to help cover those large ticket costs, just make sure you plan your follow-on budget appropriately until the advance is paid back.

THE PROBLEM: THE FURNITURE DOESN’T FIT

You did the research, waited for a sale, and landed the perfect couch or set of curtains. Enter a set of PCS orders and a new temporary home. And of course, nothing fits in your new house.

Solution: We learned this lesson the hard way, so my advice? Buy modular furniture as much as possible.

That doesn’t mean you have to buy cheap, just buy smart. Also, before you pack up all that furniture, take some good measurements. Then when you are checking out potential new digs, take some quick measurements to see if what you have will work.

I’m not saying to pick a house to fit your furniture, but if what you have won’t work at all (ask me about the on-post house that wouldn’t allow for us to get a queen-sized bed upstairs!), the cost of replacing furniture might be worth some consideration.

Don’t be afraid to check out consignment and thrift stores, especially those around military housing areas. You’re not the only one struggling to make that new house feel like a home and chances are you can secure some gently used pieces at a killer price.

What other PCS costs have you experienced? What tips can you offer to help offset those relocation costs?

DeCA Introduces Nutrition Guide Program

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Every week, I sacrifice the desire to sleep in for the early morning trek to the commissary. They say the early bird gets the worm, but we all know when it comes to shopping at the commissary, the early bird gets the best selection and avoids waiting in long check-out lines. If you’re anything like me, you scurry through the produce section and down every aisle trying to find all the best deals.

At the same time, I am fretting over whether I am making healthy choices for the sometimes-finicky-but-always-hungry brood at home. Meal planning has become a requirement for stretching our food budget, and now thanks to a new program from the folks at DeCA, I can get my shopping done in record time while still ensuring I’m making smart choice about what we’re eating.

In addition to the recently launched Out of the Box recipe program that offers quick and healthy meal options, commissary shoppers can now find some of the best healthy products to add to their baskets just by looking for the new color-coded shelf tags.

The Nutrition Guide Program or NGP for short, highlights the following 6 food categories:

Green = Organic: As certified by the USDA.

Dark Blue = Low Sodium: For those folks looking to watch their salt intake, these labels can help you quickly identify products with 140 milligrams or less of sodium per serving.

Ruby = No Sugar Added: As you probably guessed, this label indicates food items in which no sugar was added during production. This doesn’t mean these products are sugar-free. Look for this label on products like applesauce or baby food.

Brown = Whole Grain: These products are made with whole grains and must contain at least 8 grams of whole grain to earn this label.

Light Blue = Low Fat: With lots of rules about what can be considered low-fat, these labels are a great way to quickly find truly low-fat options. All products indicated by these labels contain 3 grams or less of total fat per serving. Additionally, for meal or main dish options, like in the frozen food section, foods must have 3 grams or less of total fat per 100 grams of the product.

Sand (Light Brown) = Good Source of Fiber: You’ll see this shelf label on products that contain at least 10% or more of the daily value for fiber per serving.

These easily-recognizable shelf labels are derived from ingredient lists and nutritional panel values as well as guidelines from the FDA and USDA.

Shoppers will also notice some shelves marked with a thumbs up symbol. Products on these shelves are specially marked as highly nutritious foods good for high performance. These “thumbs-up” products align closely with the DOD’s Go for Green and the Marine Corps “Fueled to Fight” dining facilities nutrition education programs.

Most shoppers find it easy to recognize healthy options in the produce section, but the prepackaged and frozen food sections can sometimes be a little harder to navigate. Currently there are more than 600 “thumbs-up” products, making decisions about what to buy easier.

While you won’t see the NGP shelf labels in every department, you will see them for the following products: organic baby food, chilled meats, baking goods, condiments, beverages, bread, frozen foods, organic candy, canned goods, grains, pasta, and side dishes, cereal and breakfast foods, snacks, soups, and whole grain cake mixes.

The DeCA website points out that these shelf labels are not meant to be a substitute for consumers reading food labels. If your family has special dietary restrictions or allergies, it is still important to read food labels.

They also suggest that by the time you make it up to the checkout line your basket should contain lots of fresh produce, lean meats, eggs, and foods rich in healthy fats like fish, nuts, seeds, olive/canola oil and avocados. The remainder can be packaged items, but try to use the thumbs up symbol to identify those food items high in nutritional value.

It’s OK to splurge on that favorite flavor of ice cream or something from the cookie aisle, but those foods should be an exception to your daily eating habits, not part of your normal diet.

For more information about DeCA’s new Nutrition Guide Program, visit the Nutrition Guide Program FAQ webpage.

8 Photo Ops Every Military Couple Should Take Advantage Of

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When I was a kid, one of my favorite things to do on a rainy afternoon was to look through old family photo albums. Not many of us take the time anymore to print out duplicate prints and bind them up into a notebook-sized trip down memory lane, but we are still a culture of pictures.

There are milestone photos of the kids, of course. Then there’s the annual family photo and the wallet-sized school pictures.

But are you forgetting to take photos that document your relationship with your spouse or significant other too?

Just like keeping the stubs from the concert tickets you got for your birthday or the hand-painted trinket from your cruise last summer, photos with your spouse help you to remember the journey you’ve taken together. Whether you keep them in a three-ring binder or in a virtual photo bucket somewhere in the cloud, make sure you remember to point the camera lens at the two of you together.

8 Photo Ops Every Military Couple Should Take Advantage Of

A promotion is a big day in your service member’s career. Don’t forget to ask someone to snap a photo of the two of you.

Need some ideas for what pictures to take? Here are my top 8 photo opportunities all military couples should take advantage of:

Photos Documenting the Military Service Journey

Military service provides the security for your relationship, and quite frankly, nothing reminds me more of the reasons that made me fall in love with my husband than seeing him in uniform. My guess is I’m not the only one. So make sure you snap a photo or two of you and your spouse whenever you attend official military functions.

  • Promotions. This is a big day in every service member’s career, but it is also a milestone for your life together. Plus it gives you a great visual of the uniform evolution you’ve seen together. Don’t forget to take a photo at your service member’s reenlistment ceremonies too.
  • Graduations. They’ve put in the hours of work studying and training, and you’ve likely been left to manage the homefront so they can focus solely on advancement. Graduation photos are a way to celebrate a spouse’s military achievement.
  • Retirement. Like the light at the end of a very long tunnel, make sure you take the time to bask in the celebration that comes with retirement from military service. They’ve done the time in uniform, but you’ve been there too. A great photo of the two of you during the ceremony or the after celebration is a must-have photo.
  • Birthday Balls and Galas. It’s not often we get to call the military lifestyle glamorous, so take advantage while you can. Best part? These events often hire photographers, so all you have to do is show up and smile.
  • Farewells and Homecomings. These are some of the most important photos to have, not only for posterity, but to keep close during separations. Take the time to take a photo of every goodbye and every return. In those moments when the relationship requires a little extra work or distance brings loneliness, these photos are a great reminder of how much you mean to each other.
8 Photo Ops Every Military Couple Should Take Advantage Of

Take the time to take a photo of every goodbye and every military homecoming.

Photos Documenting Your Relationship Journey

There are the standard must-haves like wedding and anniversary photos, but those are one day out of the year and aren’t often a true representation of your life together. Annual family photos are a great way to make sure you capture the kids as they grow (and yourselves as you age!), but they don’t capture the candid, funny and intimate moments that make the everyday so special.

  • Laughing Together. There are some that say a relationship filled with laughter is one destined to last forever. Even if it’s a selfie or a quick pic taken by the passerby you snag at the park, make sure you capture a funny moment now and then.
  • Hobbies. If the two of you are known to tear up the dance floor, swing a mean backhand or cook up a 7-course feast, make sure you capture you and your significant other in action. Not only will it serve as a reminder of all the things you love to do together, but it’s a great way to capture how doing those things might change or have to be modified with each duty location. Tennis in Alaska anyone? How about skiing in Texas?
  • Travel. Seeing the world (or even various parts of the United States) is a huge perk of military service, so make sure you take advantage of it. And don’t forget to take your camera. While you are filling your SD card with images of castles in England, Mount Fuji, or the California coastline, don’t forget to jump into the frame with your spouse. Memories are often fleeting. A picture will help you remember how clear the sky was that day or how cold the wind was, and how amazing it felt to be there…together.

Do you love taking photos? Submit your favorite photo with your service member to MilitaryShoppers’ monthly photo contest today.

Military Exchange Online Shopping Opens to Veterans

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Nearly 20 million honorably discharged U.S. veterans will soon have the opportunity to shop online through the Army and Air Force Exchange service. This change in policy comes after years of pressure to open shopping to all those honorably discharged men and women.

As of Veterans Day, November 11, 2017, all honorably discharged U.S. veterans will be able to shop the exchange online.

This new privilege will only extend to online shopping however, not shopping in the physical exchange. Through the website, veterans will be able to purchase any items except for uniforms, alcohol and tobacco products.

The exchange estimates that this could bring in between $226 million and $1.13 billion in annual sales. An increase in sales also means an increase in funds for MWR programs.

Morale, Welfare and Recreation (MWR) receives the majority of its funding from exchange dividends. The more sales the exchange has, the more programs MWR can offer. MWR programs are in place to support the “readiness and resilience for Soldiers and Families.” Programs include child and youth services, libraries, entertainment, sports and fitness, automotive skills, crafts and more.

Recently, exchange dividends have been low and MWR has not had the funds to support their usual programs. The Army has had to use some of this money to improve its daycare centers since budgets have been cut so much. The low sales have been due to the decline in the active duty force and base closures as well as the ending of tobacco product discounts and smaller profits from cheaper gas being sold. Opening online sales to all honorably discharged veterans is expected to quickly solve this problem.

Veterans will enjoy saving on average 20 percent over commercial stores while those families with base access will be enjoying better MWR programs. It’s a win-win situation for all.

This has been a two-year effort to open online shopping up to honorably discharged veterans. In the fall of 2016 the Defense Department’s Executive Resale Board voted unanimously to open online shopping to veterans and the Deputy Defense Secretary approved it.

AAFES has been preparing for the expansion of shoppers by improving the website, call centers and warehouse and distribution systems. They are working with the Department of Veterans Affairs and Defense Manpower Data Center to determine a way to verify that exchange shoppers are in fact honorably discharged veterans.

Shopping will only be available to veterans online and only for the exchange.

There are currently no plans to open shopping at the commissary up to honorably discharged veterans. This is because the commissary is run differently than AAFES. The Defense Commissary Agency receives a $1.4 billion operational subsidy annually that is funded by taxpayers. An increase in shoppers at the commissary would result in a higher cost for taxpayers in accordance to the current system. DECA therefore, is not considering adding veterans to the list of eligible shoppers.

Honorably discharged veterans however are excited to able to shop at the exchange online, even if they can’t also shop at the commissary. The Army and Air Force Exchange service has received outstanding support for this program and is anticipating a huge turnout of veteran online shoppers on Veterans Day.

You can keep up with announcements as the date for launch of this program approaches and learn how you can establish your identity as an honorably discharged veteran through their website.

What do you think of this policy change for the military exchange shopping privilege for veterans? Are you a veteran that will be shopping online this Veterans Day?

8 Financial Stressors Military Couples Face and How to Overcome Them

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There are many things that set military couples apart from civilians, but financial stressors we all share. Sure military families have different financial stressors than civilian families, but they are there nonetheless.

Here are 8 financial stressors military families face and how to overcome them.

8 Financial Stressors Military Couples Face and How to Overcome Them

Not Agreeing on How to Handle Finances

Most couples are made up of one spender and one saver. This can be great as the saver can keep the spender in check and the spender can get the saver to live a little. When a couple can’t decide together how best to handle money, financial stressors occur.

To overcome this, sit down and talk to each other. Set aside time when children are not around and there are no interruptions so that you can have a serious financial discussion. Don’t leave the table until a decision has been made.

Not Communicating

Communication is key in a healthy relationship. If you are not being honest with yourself or your spouse about spending, more financial stressors will occur.

Do you hide shopping bags in your car until your spouse isn’t home so they don’t see how much shopping you’ve done?

Ask yourself why you feel the need to do so. Did you spend more than you should of? Are you worried they will be upset with you for this?

Not Creating a Budget

Forget financial stressors, money-conscious couples that set budgets have less stress. Knowing how much money is coming in and going out will bring relief.

Knowing that you have enough money to pay all the bills by allocating money each month will set fears aside. As a couple, decide how much money you want to save and how much you’re comfortable spending each month.

Putting Off Saving for Retirement

When you’re young and facing bills, saving for retirement might be the last thing on your mind. Savvy savers know that saving now for retirement can alleviate financial stressors. You can contact a financial planner, attend a saving for retirement seminar or do your own research.

The sooner you start saving for retirement, the better off you’ll be when the time comes.

Not Having an Emergency Savings

It is recommended to have an emergency fund with the greater of either 2 weeks’ worth of pay or $1,000. You can use an emergency fund calculator to determine the right amount that your family should save. When an unexpected event occurs that brings in a large bill, financial stressors arise. Help lower the stress by having a plan already in place.

Taking on More Debt Than You Can Handle

You and your spouse need to be realistic on what you can afford. Keeping up with the Joneses is what gets military families into trouble.

If you can’t afford it, don’t buy it.

Just because your neighbor has a new car or put in a pool does not mean that you need to do the same thing.

How many financial stressors do you need in your life?

Is trying to keep up with the social status of your neighbors or friends worth the burden?

Be realistic with your wallet. If you can’t afford the payments on a new car, maybe you don’t need such an expensive one.

Struggling with Finances on Your Own During a Deployment

When your spouse is deployed and you are unable to communicate immediately or even frequently, financial decisions are often made on your own.

It can be extremely frustrating when financial stressors arise during a deployment. You don’t have your significant other to help you make a decision and are forced to deal with it on your own.

Setting time aside before your spouse deploys to discuss what to do in this instance can help significantly.

Not Expecting a Baby to Change Your Finances Dramatically

If you don’t have children yet, you might not understand this but it is true. Children are expensive. The more you have, the more it will cost you. Having a child unexpectedly can create financial stressors if you aren’t prepared. Not everyone gets the opportunity to plan ahead for a growing family, but if you are able to plan financially for your little one, life will be a little easier.

Which of these financial stressors is your military family facing? How are you planning to overcome them?

Don’t Fall for a Military Coupon Scam

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Commissary shoppers love to save money using military coupons. You can find military coupons at your commissary. I like to look for those free flyers just inside the front door or ask my commissary bagger to tuck one into my groceries, when she has them.

As we’ve said before the best military coupons are the ones that you don’t clip. There are plenty of military coupons online, ready for commissary shoppers.

But for every military coupon that you find online there may be a fake coupon looking to leer you in.

Fake coupons are on the rise. Smart commissary shoppers need to know how to spot a fake military coupon. Here are 3 things you need to know when trying to figure if your military coupon is real or fake.

No Expiration Date

Every coupon, digital or paper, will have an expiration date. There are no exceptions to this rule. If you e-clip a coupon that doesn’t have an expiration date, it’s a fake. Don’t try to use it at your commissary.

Pro-tip: Always look for an expiration date before printing out a coupon.

Photocopied Coupons

These fake military coupons are easy to spot. If a coupon has been photocopied, it is no longer valid. You can’t photocopy a coupon for your mother, sister and your five closest friends and expect them to be able to use it. Photocopying a coupon is against coupon rules.

Pro-tip: Only print military coupons from authorized coupon distributors like Coupons.com.

Too Good to Be True Coupons

Let’s say you’re scrolling on Facebook and you see a “too good to be true” military coupon in your newsfeed. Since you are tempted, you click on this coupon and it brings you to different website, one that requires that you put in your credit card information in order to receive this offer.

Don’t do it.

This website is a scam trying to steal your personal information. Never give you Social Security number, bank information or credit card number to redeem a coupon.

What’s an example of this type of fake coupon?

Late last year, the grocery store Kroger warned its shoppers about a fake coupon claiming to offer a “FREE $60 Kroger Coupon” with a $70 minimum purchase. It said the expiration date was 12/31/2016.

Kroger posted a photo of the fake coupon on its Facebook page with this message.

 “Fake coupon alert! There’s currently an unauthorized ‘FREE $60 Kroger Coupon’ offer floating around. It’s not real! We don’t recommend engaging with the site(s) that offer links to the coupon, or providing them with any personal information. Our team is actively working with Facebook and domain service providers to address the concern.”

Similar fake coupons have been circulating for Kohl’s, Disneyland and Food Lion.

Here’s another scenario that has been happening a lot with fake online coupons. Again you see that “amazing deal” while scrolling on social media. But this time when you click on the link for more details or to redeem the offer, you download malware on your computer.

The Coupon Information Center has a database of fake coupons. You can search for a specific coupon on this website or review the list. I recommend reviewing this list if you’re an active digital coupon user.

Pro-tip: To test a coupon, do a Google search with the coupon’s offer and the word “scam” or “fraud” in the search bar.

You don’t have to worry about printing a fake military coupon when you use coupons from Coupons.com.

How the Resident Energy Conservation Program Is Hitting Military Families Hard

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The Resident Energy Conservation Program (RECP) was created to make residents of military housing more aware of their energy use and to therefore reduce consumption. The goal is to lower energy use for environmental reasons and to save the government money.

So far the government is the only one seeing any savings as hundreds of military families find huge bills in their mailbox for energy they say was not justly charged or actually used.

The pilot for the Resident Energy Conservation Program took place in Hawaii between 2011 and 2012. In that initial test phase, the government saw a 9% reduction in use, which ultimately saved them $1.3 million according to Commander, Navy Installations Command. The reality for military families however was quite the opposite.

Compiled complaints show that military families consistently were charged $200 to $600 a month in electricity bills for over use. Many people claim that they did not use the equivalent amount of energy to justify such steep bills. Military housing says the bills are correct and have not done much to sway these families from feeling unjustly charged.

The pilot for the Resident Energy Conservation Program was considered by the government to be a success and over the last few years has been rolled out to all Marine Corps and Navy housing. It isn’t a bad program. In an effort to persuade residents to conserve energy, the program includes a reward element. The government’s research showed that when families embraced the Resident Energy Conservation Program that consumption fell 20%. To motivate families to achieve this, the Resident Energy Conservation Program was equipped with a credit or reimbursement for families that saved energy.

How does the Resident Energy Conservation Program determine use?

Basic Allowance for Housing (BAH) is meant to cover the normal use of electricity or gas and water and sewer as compared to families with similar homes out in town.

To determine average use on base, the Resident Energy Conservation Program uses Like-Type Groups (LTGs). These are homes in the same neighborhood that are in the same condition and age. These could include homes with similar square footage and number of bedrooms as well as the type of home and the type of energy, gas versus electricity.

It does not account for the number of people in a household just as BAH is not adjusted for the number of family members. From this, a monthly Normal Usage Band is created.

The Normal Usage Band gives a leeway of 10% over and under, providing room for consumption. For residents that use 10% less than the norm, they are given a credit or rebate. Military families that go over the 10% rate are charged for the overage.

This makes the Resident Energy Conservation Program sound fair, but residents are receiving bills far beyond what they consider reasonable. When military families question the housing office, they say that is what was used and that is what is owed.

A number of military families have been able to have their meters tested for accuracy however. Some have found their meter was actually connected to a street light or a neighbor’s home. Military housing originally was not designed with individual homes running on meters. Specialists had to go in and set up meters. In some instances, those individuals merely guessed which lines went to which houses.

What can you do if you think your utility bill is wrong?

If you are living in military housing and believe your bill is not accurate contact the resident services manager or housing office. You can request a home evaluation to make sure all appliances are using energy efficiently as well. The manager can sit down with your family and help you understand ways to conserve energy. In the meantime, you still have to pay your bill. If you do not, you may find an eviction letter in your mailbox next.

There are waivers available for wounded warriors and families registered with the Exceptional Family Member Program (EFMP). If your family uses excess electricity due to medical reasons, you can request a waiver from the Resident Energy Conservation Program. You can submit a request through the EFMP office or through the Wounded Warrior Bn.

If you are still unsatisfied, you can reach out to your chain of command. NCIS is conducting its own investigation in some areas so you can also contact them. Lastly, you can submit a claim to the Inspector General.

Do you think that military families are being scammed by the Resident Energy Conservation Program? What problems have you had with your bill when you lived in on-base housing?

8 Cruise Lines that Offer Military Discounts

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Take a breath and close your eyes. Imagine warm Caribbean waters, the soft, rhythmic ping of steel drums, and warm sand between your toes.

No, don’t open your eyes…don’t do it.

No, no, you’re right. It’s winter and we’ve got work to do. But at some point we need a break, a chance to get away, right? And there is no better way to say goodbye to the winter work day doldrums than planning a warm, tropical getaway. Or maybe sightseeing across Europe is more your thing.

Either way, there is no better way to step away from the strain and drain of our everyday lives than on the gleaming white decks of a cruise ship. Better still, is planning that trip knowing a military discount is going to stretch your vacation dollars even further.

Wondering which cruise lines offer the best military discounts? Here are 8 cruise lines to check out.

Carnival

Military travelers on Carnival can snag a discount of $25 to $250 (up to 20% off) per person over regular rates.

However, not all discounts are available all the time on all cruises.

Peak season and holidays might make it difficult to land a discount, so if you can, try booking during off-season for additional savings. Carnival often offers even better discounts for Memorial Day and Veterans Day, so if you can, plan ahead for those dates.

Discounts are available to active duty, Reserve, and National Guard personnel along with retirees, cadets, honorably discharged veterans, and surviving spouses of eligible service members. Discounts are given on rooms in which the eligible service member will occupy. However, Carnival will offer periodic discounts that allow for additional cabins to be booked at the discounted rate.

To get the military discount, eligibility must be met by providing a copy of enlistment papers, military ID or current LES, DD-214.

Royal Caribbean International

Royal Caribbean offers various discounts throughout the year, but not all discounts are available on all bookings. Typically military discounts are given off specific cabin types and specials such as onboard credit during special military affiliated holidays and Military Appreciation Month.

Discounts are offered to active duty personnel, members of the National Guard or Reserves, honorably discharged veterans, retirees, medically retired service members, and surviving spouses of eligible service members. Any discounted rate will be given to all travelers occupying the same cabin as the eligible service member, but the discount may not be extended to other rooms.

A valid military ID will be required to prove eligibility for the discount.

MSC

MSC offers one of the most consistent discounts, with military discounts available on almost all bookings. Discounts include: 10% off balcony, suite, and MSC Yacht Club staterooms and a 5% discount on interior and ocean view rooms. MSC also offers the ability to book multiple rooms so you can enjoy your trip with extended family and friends, all at the discounted rate. Plus, kids who are ages 11 and under cruise for free!

MSC offers their military discounts to active and retired service members, plus members of the National Guard and Reserves. A valid military ID must be presented to demonstrate eligibility.

Disney

A long-time friend to military travelers, Disney Cruise Lines offers military discounts on select bookings. Special military rates are available to all retired and active personnel, and members of the National Guard and Reserves (with some restrictions).

The discount is limited to one stateroom per military member per sailing. Active duty and retirees must provide valid military ID to qualify. Members of the National Guard and Reserves must provide copy of orders of activation dated no later than January 1 of the previous year to qualify for the discount.

Norwegian & Holland America

On occasion, Norwegian and Holland America will extend a military discount. So if they offer the trip you’ve been dreaming of, check with your travel agent or the cruise line directly for any available military discounts.

Princess

As their way of saying thank you to those who serve, Princess offers up to $250 in on-board spending. The military reward offered depends on the length of the cruise booked. Sailings of 6 days or less earn $50, 7 to 13 days earn $100 and if you are lucky enough to book a 2-week trip or long, you’ll receive $250 to spend on board.

Active duty service members, along with honorably discharged veterans and retirees are eligible to receive the spending cash and this reward may be claimed twice per calendar year and combined.

A valid military ID or other proof of service documentation, such as a DD-214, is required and travelers will need to apply for eligibility no less than 2 weeks prior to departure date.

Celebrity Cruises

Celebrity offers select rates throughout the year for active duty, National Guard, Reserves, honorably discharged veterans and retirees. Military ID or other proof of service is required during departure check-in.

Looking for more military discounts? Check out the MilitaryShoppers’ military discounts page.

5 ‘In Uniform’ Rules All Military Spouses Should Know

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Abiding by regulations that govern the wear and care of a military uniform are a staple of any military service member’s daily routine. As military spouses, it’s common for us to get pulled into the fray, whether it’s picking up a freshly pressed dress uniform, running a pair of cammies to the tailor for a new name tape or helping to locate a missing cover.

And while we may be able to eyeball placement of ribbons or help research the regulations, it is easy to forget that there are rules our spouses must abide by while in uniform, even if we are with them.

5 'In Uniform' Rules All Military Spouses Should Know

Did you know that service members are forbidden from eating, drinking or smoking while in walking in uniform? Photo Credit: Lauren Nygard Photography

So for those of you who are new to this regulation-driven life or as a reminder to those of us who have been around for a while, here are the 5 key “in uniform” rules to remember:

Right Hand Free

To ensure a salute can be rendered when appropriate, service members generally try to keep their right hand free at all times.

As such, carrying things like umbrellas and bags have special rules. The rules for each service differ slightly, but there are provisions for the use of umbrellas while in dress or mess uniforms. The umbrella must be all black and feature no label or branding.

The same is true for bags and backpacks – all black and feature no significant or distinctive branding and there are varying rules about size and how the bag must be carried.

Military exchanges often carry items that meet regulation requirements for these items.

PDA

As much as seeing our service member in uniform might light a particular romantic fire, public displays of affection while in uniform are not allowed.

There are, of course, exceptions (aren’t there always?) for going-away and homecoming events. Weddings are another exception.

Hand-holding, hugging and kissing are generally not allowed while in uniform.

Does that mean you shouldn’t kiss your spouse goodbye if they are leaving the house and in uniform? No, but don’t let the moment evolve into a make-out session on the front porch.

Remember that while in uniform, service members are expected to maintain military decorum and bearing. It’s one of the hardest rules not to break, but an important one to remember.

While Walking You May Not…

Service members are also forbidden from eating, drinking, smoking, or wearing headphones or ear buds while walking while in uniform. As you might imagine, it would be pretty hard to render a salute and offer a respectful greeting while stuffing your face.

There are also safety considerations behind these regulations. Rules vary slightly by service, but if you want to meet up for lunch, make sure you find a place to sit and eat.

Most military installations have designated smoking areas and service members may be permitted to wear earbuds/headphones while in the PT uniform, but make sure you check your service regulations and any further guidance issued by your installation.

What About the Kids?

Care of children while in uniform enters into a bit of a gray area as far as military regulations are concerned.

For example, there are no regulations for any service that govern whether or not breastfeeding is allowed while in uniform. However, many argue that it is against regulations for blouses to be unbuttoned or undershirts to be untucked, thereby making it impossible to breastfeed without being out of regs.

However, many services and installations offer private rooms that mothers may use for breastfeeding or pumping. When in doubt, check with unit leadership and plan appropriately.

Baby slings or diaper bags are not authorized for use while in uniform and an argument can be made that carrying a child constitutes a PDA. Again, check for specific guidance issued by your particular service and try to err on the side of caution. A baby sling might not be authorized, but a stroller or baby carrier could be used instead.

Can I borrow…?

It’s hard not to want to borrow parts and pieces of the military uniform as a way to feel closer to a spouse or demonstrate your commitment and pride in their service.

However, unauthorized wear of an official uniform is against the rules. This includes patches, unit insignias, ribbons, rank, covers and PT uniforms.

It may even include uniforms that are no longer considered official. And it includes uniforms as Halloween costumes too.

There are plenty of non-uniform options that can still proclaim your pride. I won’t say I’ve never donned one of my husband’s old PT shirts while he’s been away on a deployment, but if you are going to do it, refrain from taking pictures and don’t wear it out of the house.

Did we miss any other “in uniform” rules that military spouses need to know? Let us know in the comments section.