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The Terminal Leave and Leave Sell-Back Playbook: A Decision Framework for Converting Accrued Leave Into Separation Value
A structured framework for the last sixty days: terminal leave mechanics, sell-back math, the split decision, and the benefit cliff on the other side.
kate frese
36 minutes ago8 min read
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The Last 60 Days You Already Earned: How Terminal Leave and Leave Sell-Back Actually Work
Two ways to spend the leave you accrued. One pays your full package and buys you time. The other pays base pay only. Most sailors pick the wrong one.
kate frese
36 minutes ago5 min read
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The Final Move Playbook: A Structured Framework for Managing Your Household Goods Shipment at Separation
A five-stage framework for the one move nobody manages for you: entitlements, PPM math, documentation, claims windows, and arrival planning.
kate frese
2 days ago7 min read
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The Move You Only Get Once: What Your Final Household Goods Move Actually Covers
Your last move is the only one where nobody else owns the paperwork. Here is how to run the household goods shipment so it does not cost you money.
kate frese
2 days ago4 min read
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The Household Transition Plan: A Twelve-Month Framework for Running a Navy Separation as a Family
A structured, month-by-month framework for turning separation from a personal decision into a shared household plan with owners, numbers, and review dates.
kate frese
3 days ago8 min read
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Talking to Your Family About Leaving the Navy: The Conversation Most Sailors Postpone
Your separation is a household decision, not a personal one. Here is how to run the conversation before the orders are cut, not after.
kate frese
3 days ago4 min read
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The Veterans Day Reset: A 30-Day Framework for Turning One Day of Recognition Into a Working Job Search
A structured 30-day framework for converting the attention that arrives on November 11 into interviews by mid-December.
kate frese
4 days ago7 min read
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Veterans Day Is a Door, Not a Parade: The Three Conversations to Have This Week
Veterans Day opens doors that stay shut the other 364 days. Here are the three conversations to have before the week ends, and the papers to have ready.
kate frese
4 days ago4 min read
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Day 134 White Paper: The VA Home Loan Entitlement Playbook: A Structured Framework for Financing a Home After Separation
A structured framework for separating sailors: entitlement tiers, the funding fee, underwriting timing, and the documentation that decides your approval.
kate frese
5 days ago5 min read
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Day 134 Blog: Your BAH Does Not Follow You Out: The Housing Math Nobody Runs Before Separation
Your housing allowance stops the day you separate. Here is the math to run before that happens, and the two months that decide whether the move is smooth or expensive.
kate frese
5 days ago4 min read
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The Appeals Decision Framework: Choosing Between a Supplemental Claim, Higher-Level Review, and Board Appeal
A structured, deadline-first framework for deciding which of the three VA appeal lanes your disagreement actually belongs in, and how to build the record that survives it.
kate frese
6 days ago8 min read
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You Disagreed With Your VA Rating. Now the Clock Is Already Running.
One year from the decision letter is your default deadline, and picking the wrong appeal lane can quietly cost you months. Here is how the three options actually differ.
kate frese
6 days ago4 min read
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The Drilling Employee Framework: A Structured Guide to USERRA Protections, Reemployment Rights, and Employer Communication
A structured framework for reservists and guard members: notice, reemployment windows, benefit restoration, documentation, and how to talk to an employer before there is a dispute.
kate frese
Nov 88 min read
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Your Civilian Job Is Protected When You Drill: What USERRA Actually Guarantees
USERRA protects your civilian job when you drill or deploy, but the protections have deadlines, notice rules, and a paper trail you have to build yourself.
kate frese
Nov 84 min read
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The Health Coverage Decision at Separation: A Structured Framework for Choosing Between TRICARE, VA Care, and a Civilian Plan
A step-by-step framework for mapping every coverage end date, comparing real costs, and choosing the right combination of TRICARE, VA care, and a civilian plan.
kate frese
Nov 77 min read
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Your Teeth and Eyes Do Not Get a DD-214: Dental and Vision Coverage After Separation
Dental and vision coverage rarely survives the gate. Here is what actually ends at separation, what VA covers, and how to close the gap before it costs you.
kate frese
Nov 74 min read
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The State Benefits Audit: A Structured Framework for Claiming the Veteran Benefits Your State Owes You
A five-part audit framework for identifying, verifying, and claiming state-level veteran benefits: property tax relief, education, licensing, hiring preference, and business incentives.
kate frese
Nov 68 min read
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Your State Owes You More Than You Think: The Veteran Benefits Most Sailors Never Claim
Property tax relief, tuition waivers, license reciprocity, hiring preference. Most veterans check federal benefits and stop. Here is the state-level money you are leaving on the table.
kate frese
Nov 64 min read
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Employer Due Diligence for the Transitioning Service Member: A Five-Part Framework for Vetting a Civilian Employer Before You Sign
A five-part framework for vetting a civilian employer: financial viability, turnover signals, total compensation, role risk, and the written record.
kate frese
Nov 58 min read
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Before You Sign: How to Vet a Civilian Employer, Not Just the Offer
The offer letter is written by the company. Due diligence is yours. Five checks that separate a solid civilian employer from a costly mistake.
kate frese
Nov 54 min read
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