Question – AMC Passenger Terminal Near Mozambique?

We received this question via email:
I am planning travel to Mozambique, and wondered which is the closest MAC terminal I could fly to? Thank you, Spencer
Spencer, please comb through the list of AMC Passenger Terminal locations on the Space-A website.  There are actually no AMC Passenger Terminals located on the African continent.  However, you might be able to find a channel mission or other AMC flight to Africa (perhaps to Djibouti or Kenya) by contacting the closest large AMC base near you (for example, Charleston AFB, SC).

Good luck!

Question – Buy Military Disney Tickets in Oregon

We received this question via email:

I am trying to find a military base outlet in Oregon MWR/ITT to buy disneyland tickets? I went to our local armory in Medford Oregon and they could not help me. –Robin.



Robin, generally speaking, you will have to purchase your Military Discount Disney tickets at a large US military installation MWR or ITT office.  You can try the closest large base or post near you.  Also, you can check out our list of MWR/ITT facilities in the California/Nevada area.  You will have to purchase your tickets in-person.

Question – Theme Park Discounts for Allies (UK MIL)

We received this question via email:

I am an ex-serviceman of the British Forces serving from 1986 – 1995 in the RCT (Royal Corps of Transport). As a veteran, are there any theme parks which offer free or discounted entrance to British Veterans? I still hold my service records as proof of service and active service along side the US Services in the Gulf War 1991. –Andy.



Andy, generally speaking, if you currently have access to US installations such as the “Shades of Green” in Orlando, Florida, or other MWR/ITT offices on US military bases, you will have access to many theme park military discounts (including Disney World).  Although most theme parks will have their own policy on extending military discounts to Allied nations, the Morale Welfare and Recreation (MWR) center at the US Navy facility in Orlando will allow UK and other Allied military members access with their nation’s military ID card and/or NATO Travel Orders.

For Military personnel, discounted tickets are sold at Military bases. You can also get specially priced tickets via – Mail Order: Retired, Active, Reservists, National Guard and DoD Personnel can order discount tickets via mail order by calling the Commander, Navy Region Southwest 619-767-6000 or Air Force Central Ticket Program at 210-652-2855. You can also pick them up in-person at US Navy NTC ITT Orlando:

NTC Orlando
ITT Manager
7151 Earhart Dr
Orlando, FL 32827
Commercial: 407-855-0116
Fax: 407-850-9149

For more information, please contact your military installation’s Ticket Office.  You can also pick up discount tickets in-person at the Shades of Green (Military MWR Resort) in Orlando.  Additionally, you can call Shades of Green (the military resort facility) at the Walt Disney World® Resort directly 888-593-2242 or reference the Shades of Green website at the following URL:

Enjoy your vacation!

Question – Military Disney Discount

We received this question by email:

I would like to know, if a military person buys tickets for Disneyland for friends at MWR/ITT, does that military person need to be present at Disneyland or can just the friends go? –Jennifer.




The Disney Military Discount Tickets can be purchased by a military service member or their spouse.  The tickets can be used by their family and friends (“guests”), however, a military ID may be required to be presented at the Park.  So, if your friends are military ID card holders, they could go to the Park without you – so long as they brought their military IDs with them.

Below is the “fine print” for the military Disney discount offer:


Eligible Service Members (or their spouses) who purchase Disney 4-Day Military Promotional Tickets for admission to the Walt Disney World Resort for themselves and their family members and friends will be required to activate those Tickets at Walt Disney World theme park ticket windows, no later than September 30, 2012, in order for those Tickets to be used. Valid military identification will be required.

No more than twelve (12) Disney 4-Day Military Promotional Tickets may be purchased, activated and/or used by any Eligible Service Member or spouse during the life of this promotion, and no Eligible Service Member or spouse may purchase, activate and/or use more than six (6) Disney 4-Day Military Promotional Tickets during any single week of the promotion. One (1) of the Disney 4-Day Military Promotional Tickets purchased on each occasion must be for use by the Eligible Service Member or spouse. This offer is for active or retired members of the U.S. military, including the National Guard, Reservists and the U.S. Coast Guard.

Disney 4-Day Military Promotional Tickets for admission to the Walt Disney World Resort will not be valid unless and until activated (no later than September 30, 2012).

Each Disney Military Promotional Ticket must be used by the same person on any and all days. Disney Military Promotional Tickets may be used ONLY by the Eligible Service Members, spouses, other family members or friends for whom they are purchased. In addition, a valid military ID may be required for admission.

Disney Military Promotional Tickets (including any options) expire and may not be used after September 30, 2012. In addition, Disney 4-Day Military Promotional Tickets (including any options) for the Walt Disney World Resort may not be used on the following blockout dates: December 26 through 31, 2011 at all Parks and April 1, 2012 – April 12, 2012 and July 4, 2012 at Magic Kingdom Park.


Military Loans – Pioneer Services

Military Loans Online Application

Who is Pioneer Military Lending?

Pioneer Military Lending is committed to serving active-duty and career-retired service members and Department of Defense employees.

For nearly 20 years Pioneer Military Lending has taken pride in going the extra mile for every customer. Their understanding of your financial situation comes from years of experience serving the military community.

Pioneer Military Lending offers competitive interest rates and installment loan products for all ranks. Pioneer ensures that your payments are manageable, have no hidden fees, and provide you with friendly and knowledgeable loan associates.

  • Pioneer Military Loans for all ranks and branches

  • Borrow from $500 to $10,000

  • Interest rates lower than most credit cards and competitive with banks and credit unions

  • 24-hour service from a company that cares.

Their understanding of your financial situation comes from years of experience serving military service members and Department of Defense employees. They take great pride in providing solutions that help make your life easier.

Why Pioneer Military Lending?

Pioneer offer loans at interest rates lower than most credit cards and competitive with banks and credit unions. You get quick service and, if approved, borrow from $500 – $10,000.

Pioneer understands your financial situation because they have years of experience serving military service members and Department of Defense employees.

If you need financing to consolidate high-interest debt or just to make life more enjoyable. We recommend you get the money you need from a reputable company like Pioneer Military Lending. Pioneer can get you the money fast, without all of the fees and high costs associated with many other lenders.

  • Pioneer has products for all ranks and branches plus DOD employees. No matter where you serve, they can help you.

  • Pioneer can get you the money you need fast, and the funds can be deposited directly into your bank account. This makes the process quick, easy and helps you to avoid hassles.

  • Pioneer helps you avoid the trap of military payday loan companies. Don’t pay the outrageous fees and charges that military payday loan companies are known for – you deserve better.

  • For nearly two decades they have been providing military service members with solutions that are fair, secure and geared towards helping you get the money you need without excessive charges.

  • Pioneer works exclusively with the military community, so they understand your unique financial situation.

Installment Loans

Pioneer Military Lending offers competitive interest rates and installment loan products for all ranks. Pioneer ensures that your payments are manageable, have no hidden fees, and provide you with friendly and knowledgeable loan associates.

  • Pioneer Military Loans for all ranks and branches of active-duty and career-retired service members and Department of Defense employees

  • Borrow from $500 to $10,000

  • Interest rates lower than most credit cards and competitive with banks and credit unions

24-hour service from a company that cares.

Pioneer Military Loans – APPLY NOW

TRICARE Supplemental Insurance for Military Retirees

Retired service members of the uniformed services and their family members (spouses and children) are eligible for TRICARE.  The uniformed services include the:

U.S. Army
U.S. Air Force
U.S. Navy
U.S. Marine Corps
U.S. Coast Guard

Retired service members and their family members are eligible for the following options:

  • TRICARE Prime (enrollment fees apply)

  • TRICARE Standard and Extra

  • US Family Health Plan (in specific U.S. locations)

  • TRICARE For Life (with Medicare Part A & B coverage)

  • TRICARE Standard Overseas

  • TRICARE Retiree Dental Program

Tricare StandardMilitary Retirees (retiring from Active Duty) and their families have another option for their health care – TRICARE Supplemental Insurance.  Several different private medical insurance companies offer supplemental insurance coverage that will pick up the remaining 20% of your health care costs that TRICARE Standard does not cover.  What does that mean to you?  For a trip to the doctor TRICARE Standard would cover 80% of that doctor’s fees and your supplemental insurance would pick up the remaining 20% – that covers all of your expenses.  The only out of pocket expenses are your deductibles each fiscal year (starting October 1st each year).  The deductible is $150 per person or $300 per family.  Once you reach those deductibles, you will incur no further costs and your supplemental insurance covers the rest.

By law, TRICARE pays claims only after all other health insurances pay. Your coordination of benefits between other health insurance and TRICARE varies depending on who you are or which plan you are using. For the most accurate information, please enter your profile now.

TRICARE Prime versus Standard for Retirees

Upon retirement, you get to choose whether you wish to say on as TRICARE Prime, or if you wish to move to TRICARE Standard.  If you decide not to enroll in TRICARE Prime when you retire, you and your family are automatically covered by TRICARE Standard and Extra.  Enrollment is not required for either option and you may seek care from any TRICARE authorized provider. When using TRICARE Standard and Extra, you manage your own health care. There are no special rules
accessing certain types of care. You’ll never require referrals, but some services may require prior authorization.

It’s also important for you to understand the type of provider you are seeing. You can visit any TRICARE authorized provider—network or
non network—but the type of provider you see determines your out of pocket costs. When you visit a non network provider, you’re using the
TRICARE Standard option, and when you visit a network provider, you’re using the TRICARE Extra option. Your cost shares are five percent
lower with TRICARE Extra and network providers will file claims on your behalf.

Your status change must be reflected in the Defense Enrollment Eligibility Reporting System (DEERS) in order for TRICARE to process the application. TRICARE will continue to check DEERS for your change of status up until the 10th day of the month in which your stated status change is effective. Once the sponsor’s status change is confirmed through DEERS, we will process the application.

If your status has not been updated by the 10th of the month as described above, your application will be returned to you.


If using TRICARE For Life in the U.S. or a U.S. Territory, Medicare processes the claim and automatically forwards it to your other health insurance. Once your other health insurance processes the claim, you must file a paper claim with the TFL contractor. The contractor will process the claim and pay TRICARE’s portion of the claim directly to you.

If using TRICARE For Life overseas, you’ll need to follow your other health insurance plan’s rules getting care and file claims with them first.

TRICARE Standard with Supplemental Insurance
—what this means to you and your family:

  • Your family has the freedom of choice to choose any doctor (as long as that doctor accepts TRICARE)
  • No need to first see a “Primary Care Provider” – your family makes appointments with the doctor or specialist directly
  • No need to try to make an appointment at the closest “Military Treatment Facility” – in fact, families on TRICARE Standard are encouraged to seek local doctors instead
  • Spouses and children can seek after-hours care immediately, without a lengthy referral process
  • With Supplemental Insurance, you only pay either the individual deductable ($150 per fiscal year) or the family deductable ($300 per fiscal year), whichever occurs first.


Military Anti-Virus Download

free military antivirus

Free Downloads for Military Service Members

US Military Service Members, Government employees, and DoD Civilians are authorized to receive a free copy of Antivirus and Ant-spyware Software.

Part of the Home-Use Program, Government civilians and military members can either download or take home pre-loaded disks with the latest Norton and McAfee programs to protect their personal computers.

Since military service members often take home work to accomplish on their home personal computers, the Department of Defense is obligated to provide free antivirus and free antispyware software for members to install (at no charge) on their personal PCs.

This is a good safety measure that will protect not just the military computers, but also the member’s personal computer.  The anti-virus software that is provided is a quick loading, quick-to-run software that runs in the background scanning for incoming viruses.

Norton has created a streamlined version of their program called “Norton Antivirus Corporate Edition”.  One added benefit is these programs will not charge you an annual virus definitions subscription fee – in fact, your virus definition subscription will never run out!  The latest version of their Corporate Edition software is compatible with Windows 7 (and all previous versions of Windows OS as well as Mac).  Rest assured, this program will not overtake your computer with a million pop-ups or warning messages like some of the other “bulky” anti-virus programs.

Most units will provide the free software loaded on CD-ROMs when a member in-processes at their unit.  If you did not receive the disk, please refer to the computer help desk at your unit.  Also, you can check out the online military antivirus downloads.  Most help desks today will have preloaded disks ready for you to simply take home and install and use.

There are also a multitude of free Antivirus programs that you can download and install, if you choose not to use the government-provided versions.  For more free anti-virus and spyware downloads, check out the FreeComputerZone.

In addition to the agreement to provide free anti-virus software for service members, the Department of Defense has entered in agreement with several computer manufacturers such as Dell, HP, and Apple to provide service members and their families employee purchase programs or other military discounts.  Check out the latest military computer discounts.

[Free Computer Clean Up]  [Online Anti-Virus]  [Best Free Downloads]

Free Portable Applications

If you are deployed or TDY, no doubt you have had to put up with the hassles of public-use computers located in your hotel business center or worse… the FOB morale tents.  The best and most convenient way to bring along the applications you need and use, and to keep your web browsing private and secure is with Portable Apps.  Load these small, portable programs on your USB Flash Dirve or Portable Hard Drive and take them anywhere.

This is a collection of free portable applications including a web browser, email client, office suite, calendar/scheduler, instant messaging client, antivirus, backup utility and integrated menu, all preconfigured to work portably. Just drop it on your portable device and you’re ready to go.. It contains no spyware. There are no advertisements. It isn’t a limited or trial version. There is no additional hardware or software to buy. You don’t even have to give out your email address. It’s 100% free to use, free to copy and free to share.  Check out the latest free portable applications.

Military Computer Discounts

[Free Computer Clean Up]  [Online Anti-Virus]  [Best Free Downloads]

Military Discussion Forums

We have compiled a collection of military support, military spouse, and military family oriented online forums.  Visit our Military Forums Guide.

Military Pay

Military Pay and Entitlements

Our comprehensive Military Pay Guide is a compilation of the best links to military pay issues and resources.  It’s easy to get lost in the military pay system, let our resources help you answer your questions.

Deployment Pay Entitlements – Military pay is confusing enough.  What are your entitlements when you are deployed to the combat zone?

Military VA Loans – Find out all of the ways you can get a VA Loan to purchase a home.  Find the cheapest rates available.

Financial Aid for Veterans – Looking for a way to pay for college?  There are resources for veterans and their families.

Military Finance Center – Frequently Asked Questions and topics on military pay.

Soldiers and Sailors Civil Relief Act – Find out about how this newly changed law protects you and your family.

Emergency Savings Plan

Preparing for financial emergencies
simple advice for military families

This article is an excerpt from theMilitary Spouse Finance Guide: Financial Advice for the Homefront,a recently published book from Pioneer Services. With forewords by Sylvia Kidd of the Association of the United States Army and Command Sergeant Major Roger Stradley (Ret) of USA Cares, Inc., the Military Spouse Finance Guide provides real-world advice for military families wanting to take control of their money, rather than having their money control them. To get additional information, or to order a copy of the guide directly

One of the most important steps for financial independence is being prepared for unexpected bills. And the best way to do that is to create an Emergency Savings Account (ESA). This is important because it prevents you from having to finance car repairs, a trip home to see family, or other expenses.

The need for an ESA

In a survey of active-duty military personnel by the Rand Institute, military families were asked if they had any financial difficulties within the last year. Some of the questions included whether or not they had bounced a check, fell behind on their bills, had to borrow money from family or friends to help make ends meet, or even if they had their car repossessed. More than half of the junior enlisted ranks (E1 to E4) reported having one or more of these difficulties. Noncommissioned officers (E5 and E6) had also experienced such problems, with 40 percent saying they had encountered difficult financial situations.

Most of these money woes could have been easily avoided, however, by having an ESA.

The amount of your ESA

Deciding how much to set aside is unique to each family—there is no hard and fast rule to determine how much is needed. Some experts have recommended a flat $500, while others have recommended three to six months living expenses. Regardless of what you choose, the point is to be able to pay for all of your family’s bills for at least two months should all sources of income become unavailable.

One of the few rules that everyone agrees on is to “pay yourself first.” This means savings comes first, before the nonessentials are bought and before the vacation is planned. But where do you find the money? Where are the hidden savings?

There are a few tips that can save you money almost every day:

  • Save on groceries by planning and clipping coupons; it can save you $250 a year.

  • A “change jar” can easily net $100 or more each year.

  • Pay cash whenever possible to save yourself thousands in interest.

  • Increase insurance deductibles and potentially save hundreds of dollars each year.

  • Eliminating two fast food meals per week can save more than $500 each year.

  • Deposit your spouse’s reenlistment bonus in your ESA, thus building it quickly.

These tips are only the beginning—there are many ways to save enough money to prepare for your financial future, so think of creative ways to find extra money each month. And when you add all those up, you can easily have anywhere from $500 to two month’s salary set aside relatively quickly, letting you move on to your mid- and long-range financial goals.

5-10 minute Online Personal or Debt Management Loan Application

Deciding on the type of account

Your ESA should:

  • Be readily available

  • Pay you interest

  • Have no penalty for withdrawal (including early withdrawal for some accounts)

  • Be insured or guaranteed

This can include savings accounts, money market accounts, or money market mutual funds. Remember that while Treasury bills and Certificates of Deposit are relatively safe and secure options, they take longer to access and you may not get their full benefit (i.e. interest) if you withdraw money before they mature.

No matter what type of account you choose, consider having your spouse make the deposit via allotment. Doing so makes the deposit automatic and is a key part of the “pay yourself first” philosophy.

With adequate emergency savings, you can focus on how to best meet your family’s needs, rather than worrying about finding the money to handle difficult financial situations. Once an ESA is established, your family can apply those same savings habits toward longer-term investments or Thrift Savings Plans, and start down the road to financial success.

To find out more information about loans and other Pioneer Services,

About the Military Spouse Finance Guide:

The Military Spouse Finance Guide covers a wide range of topics, provides real-world examples, and is full of easy-to-follow financial tips. To further Pioneer Services’ support for military spouses and their families, all proceeds from the sale of the book will benefit a military-family-based non-profit organization.

How do I get my free annual credit reports?

An amendment to the federal Fair Credit Reporting Act requires each of the major nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.  To order your free annual report from one or all the national consumer reporting companies, visit, call toll-free 877-322-822

Financial Aid for Veterans and Dependents

Where do you begin when searching for financial aid or tuition assistance as a military veteran?  The search can be a daunting one – especially as a service member or military family when your free time is at a premium.  We have compiled a list of education benefit websites and sources for educational financial aid.

U.S. Department of Veterans Affairs Education Benefits

The Department of Veterans Affairs provides information on educational benefits for veterans and their dependents.

Federal Benefits for Veterans and Dependents

Updated annually by the Department of Veterans Affairs (VA), the publication Federal Benefits for Veterans and Dependents contains information about education and training benefits available to veterans and eligible dependents. [VA Pamphlet 80-02-1, 114 pages, Stock Number 051-000-00225-3.]

The booklet may be obtained free of charge from VA hospitals or regional offices. To request a copy, visit your nearest VA facility, call 1-800-827-1000 or write to Department of Veterans Affairs, Office of Public Affairs (80D), 810 Vermont Avenue, NW, Washington, DC 20420. It is also available for download free inPDF format from the VA’s web site.

Federal Benefits for Veterans and Dependents (2006 Edition) – This booklet lists the variety of federal benefits available to veterans and their dependents.

Click here to find the right student loan for you!Click here to view the booklet as a series of Web pages.

Click here to download the entire booklet as a PDF file (1.08 MB).

Click here to download the booklet without the VA facility listings. (868 KB PDF)

Click here to download the VA facility listings only. (556 KB PDF

Organizations that offer educational assistance to military personnel, veterans and their dependents include: