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Why VA Loans Are Such A Good Deal

06/05/2019 By Military Life Administrator

By Marguerite Cleveland

     One of the benefits of military service is eligibility for a VA Guaranteed Loan to purchase a home as a primary residence. This great program allows you to save money and avoid tying up your savings by having no down payment requirement. Here are some of the many benefits:

  • No Down Payment. The biggest advantage of a VA loan is you can save your cash by not having to put down a large down payment. According to Realtor.com’s Housing Trend Report in March the average home listing price in the US was $300,000. So with a 10% down payment you are looking at $30,000 and with a 20% down payment $60,000. Add that to closing costs and it can put a house out of reach for many people.
  • A VA Appraisal. While this doesn’t take the place of a thorough home inspection. There are minimum property requirements set by the VA which ensure your property is safe, sanitary and sound.
  • No mortgage insurance. Basically when you purchase a home on a conventional mortgage with less than 20% down you have to pay PMI (mortgage insurance) until your mortgage is paid down to 78% of the value of your initial purchase price. On a $300,000 loan you are looking at around $100 more a month added on to your mortgage payment.
  • Funding Fee. This varies according to your status but for an initial purchase for an active duty military service member it is 2.15% with no down payment. This fee can be rolled into your loan and is much less than the typical down payment. In addition if you are a disabled Veteran rated as low as 10% disabled you are eligible for the funding fee to be waived for a nice savings in costs.
  • Closing Costs. The VA limits what lenders can charge for closing costs. It saves on all those added on fees many lenders will charge. This can save you a nice chunk of change.
  • Less Restrictions. There are no prepayment penalties and no restrictions on refinancing your VA loan. In fact the VA even has a program called the Interest Rate Reduction Loan program.
  • Easier to Qualify. Because of the VA Loan Guaranty, VA loan guidelines are more flexible. You will still have to submit documentation but the process has less requirements.
  • Ability to Shop for the Right Loan. VA Loans come in all shapes and sizes. They can be fixed or adjustable rates and used to purchase a variety of housing options such as a house or condo. Each lender sets their rates so you can shop around to get the best fit for your situation. I have found that credit unions like Navy Federal Credit Union consistently have the best rates and terms as well as not selling your loan to another mortgage company.
Photo Credit: ©BillionPhotos.com /Adobe Stock

     VA Loans have many great benefits but be aware that in a hot real estate market many sellers will state they won’t accept a VA Loan. There is a perception among some real estate agents that the loan takes longer to process than a conventional mortgage and that the VA appraisal process is too stringent. We recently purchased our forever home in a hot market with a VA mortgage. We lost a few because we were using a VA loan but ultimately found our home. We just weren’t willing to forgo this benefit. For more information visit: www.VA.gov

Marguerite Cleveland is a freelance writer who specializes in human interest and travel stories. She is a military brat, a veteran and now a military spouse.  Her military experience is vast as the daughter of a Navy man who served as an enlisted sailor and then Naval Officer. She served as an enlisted soldier in the reserves and on active duty, then as an Army Officer. She currently serves as a military spouse. She lives in the Pacific Northwest with her husband and two sons. Visit her website www.PeggyWhereShouldIGo.com

Why I’m Dropping Out of the Hustle

05/30/2019 By Meg Flanagan

Over the last decade, I feel like I’ve been constantly searching and seeking. Not really for a place to fit in or friends – that’s actually been fairly easy. No, I’ve been job hunting for essentially 10 years. Or, if I’m not on the hunt, I’m hustling hard for my small business as an education consultant.

Frankly, I’m tired of the hunt and hustle routine. It’s flat out exhausting. And I’m ready to step back for a minute.

Why I’m Dropping Out of the Hustle

See, I started this military life as a new college graduate. I’d spent the previous 22 years of life planning my future: go to college, get a degree, find a job, get married, have kids and eventually retire. Somewhere along the way, that plan got hijacked. There wasn’t a clear shot from college to job.

Now, I don’t want you to think I’m complaining. I love this life, but it’s not what I planned. And adjusting has taken me, well, a decade.

At that first duty station, I jumped into a job that was semi-related, tangentially, kind of, maybe – okay, not at all. It was a nanny job, not a teaching job. But I snagged it up because I needed to do something, anything to fill my need to contribute to the family financially. Yes, even if it didn’t make me happy or added extra stress.

Constantly On The Hunt For Opportunity

Even while I was in the job, I was looking for the next thing, a job or an opportunity. This pattern just kept on repeating with every PCS: jump into a job, feel dissatisfied, keep looking for the next best thing out there – all while prepping to PCS in the back of my mind.

I hopped into jobs without ever giving myself a chance to really settle in or adjust. Instead of taking the time to actually finish the PCS, I was job hunting the second we got orders.

Being constantly on the hunt got really old. So I thought I’d switch things up and go into business for myself.

Photo Credit: ©contrastwerkstatt /Adobe Stock

Different Title, Same Old Hustle

Starting my own business seemed like a great idea. I enrolled in courses, joined Facebook groups and tracked the big names. Everything in an attempt to learn how to do things “right” in the social media age. This was a different kind of business climate than when I had operated my tutoring business years earlier.

I tried, I really tried, to do all the things. Social media channels were up and running. I ran a blog with relevant, click-baity topics relevant to my target audience. Later, I added services and products.

But I was running myself ragged trying to do it all, to fit the mold, to hit the mark. It just wasn’t authentic and it was too much. I was constantly on the run, trying to find the next best way to do things.

At one point, I was on vacation in Bangkok with my kids and husband. Yes, we saw incredible and amazing things. But early mornings and late nights were spent creating social media content or another blog post, answering emails or networking. I was on vacation – except I was still working.

Which was exactly the opposite of my goal when starting by own business. I did this to escape the 24/7 work cycle of teaching.

Changing My Story of Hunt & Hustle

We just got orders again and I caught myself slipping back into my old habits of job hunting and hustling for my business. The stress was building and I started to wonder if running my life, this one shining opportunity for happiness, on someone else’s plans or even ceaselessly was worth it.

Was it valuable to spend my last moments in this location hustling? Did I need the stress of trying to coordinate a job with a house with good schools and a decent commute?

Short answer: No. Running myself ragged, either to fulfill my own business venture or someone else’s organization, is not worth it.

And so I’m done.

I’m done chasing someone else’s dreams, or even my own ventures, at the expense of my sanity and precious time with my family. From here on out, I’m doing what makes me happy, fulfilled and passionate.

So I’m going to write more, for organizations I love and with editors who support me. I’ll be running my business on my schedule, committing only to projects, products and engagement opportunities that I enjoy. And I’ll be continuing to feed my editorial side with content management work that makes me incredibly happy.

All of it will be on my schedule, as a busy mom of two who makes family the number one priority. I love the work I am lucky enough to do: helping writers build their craft, working with families to find success at school and working on my own writing.

And I’m not stopping, but I am going to make balancing work and life more important. It’s pure luck that military life, the same life that disrupted my career plans, grants me this chance to be so incredibly flexible for my family.

No more endless job hunts. There’s finally an end to the non-stop hustle of entrepreneurship. Whatever I do now or next, it’s all going to be on my terms.

How has military life changed your plans? We’d love to hear your story! Tell us how you’re balancing your military life with family and work.

Easy Kid-Friendly Quick Summer Snacks from the Commissary

05/28/2019 By Meg Flanagan

Stop the endless litany of “I’m hungry” this summer with quick and easy snacks that are super kid friendly!

Swing into your local commissary to snag these yummy summer snacks.

Easy Kid-Friendly Quick Summer Snacks from the Commissary

My kids are always starving. Yes, even if they literally just ate moments before. Which means that my fridge and pantry are 100% fully stocked with easy things to nibble.

Right now, I’m focusing on snacks that are healthy, fresh and have minimal packaging. These are easy to bulk-prep and keep in reusable take-and-toss containers for quick access.

Fresh Fruit Snacks

Fruit makes such a great snack. It’s quick, easy and healthy! Plus, you can buy everything at the commissary.

  • Grapes: pre-wash and portion out into reusable take-and-toss containers for each access
  • Pineapple: cut into bite-sized chunks and then freeze by laying in a single layer on a cookie sheet lined with wax paper; once frozen, pop into a freezer safe container for storage
  • Apples: buy kid-sized smaller apples to cut waste and up the shelf appeal
  • Oranges: your kids will love peeling their own clementines
  • Fruit Salad: mix up several types of your kids’ favorite fruit into a container; serve with dollops of Greek yogurt, swirls of honey and a sprinkle of coconut flakes
  • Berries: rinse clean and then portion out into single-serve containers
  • Bananas: the original peel-and-eat snack

What are your kids’ favorite healthy fruit snacks?

Eat Your Veggies, Kids

Squeeze in an extra serving of veggies by making it easy for your kids! Pre-slicing and serving with a yummy dip makes it more appealing.

  • Cukes: peel and slice cucumbers into spears or rounds, store in take-and-toss reusable containers; dip into ranch or hummus
  • Carrots: peel and slice into carrot sticks; serve with ranch, hummus or peanut butter
  • Cherry Tomatoes: pre-wash and sort into single-serving containers
  • Bell Pepper: rinse and slice into strips; serve with your favorite salad dressing
  • Celery Sticks: wash and cut into 2-3 inch sticks; serve with cream cheese, peanut butter or ranch dressing
  • Avocado: keep these almost universally appealing veggies on hand for an easy snack; scoop out with crackers, eat on toast, turn it into guacamole or enjoy it plain
  • Broccoli: cut up these mini trees and serve with your favorite salad dressing

I’d love to steal some of your best tricks to sneak more veggies into my kids’ snacks!

Easy Fridge Snacks

My kids constantly root through the fridge for something to eat. They’re such yogurt hounds! But I’ve thought beyond the dairy aisle with these easy fridge snacks!

  • Yogurt: single-serve containers or squeeze yogurts are easy to store
  • Cheese: pre-slice block cheese or buy single-serve cheese sticks
  • Eggs: hard boil your eggs in bulk
  • Pepperoni: grab a stick of pepperoni and slice it up or pick up a pack of the pre-sliced kind; serve with cheese and/or crackers
  • Sausage: slice it up and pack into single-serve containers
  • Hummus: keep a container in the fridge or mix up your own recipe

What’s in your fridge? I’m always on the hunt for new kid-friendly snacks!

Quick Pantry Staples

When everything else fails, we turn to the pantry for a quick snack that’s also shelf-stable. I love to stock up at the commissary’s bulk sidewalk sales!

  • Popcorn: keep whole kernels or the microwave packets on hand for an easy, fast snack
  • Nuts: DIY your own yummy mix or keep it to single varieties
  • Cereal: we love cereal in big pieces, like Cheerios or Chex, that are easy to pop
  • Pita Chips: yummy dipped in hummus or Greek yogurt-based dips
  • Salsa: keep this on your shelf to add to other snacks, like veggies or pita chips
  • Granola: snack on this alone or add to yogurt
  • Canned Fruit: drain the syrup, serve topped with yogurt or granola
  • Raisins: eat alone or add to other snacks, like as a topping for celery sticks with peanut butter
  • Dried Fruit: snack on these for an energy-packed snack

We love to keep these snacks on hand, just in case we need something for a long car trip or spur-of-the-moment beach trip!

Freezer-Friendly Snacks

Keep it cold in the summer with frozen treats! We love to enjoy these snacks on really hot days.

  • Frozen Berries: put frozen berries into a cup and eat solo or mix into yogurt
  • Smoothie Popsicles: DIY your own frozen treat, blend fruit, yogurt or water for a custom creation
  • Freeze Pops: a classic summer treat that you can buy in bulk
  • DIY Frozen Fruit: cut and freeze firmer fruits, like mangoes or bananas, in a single layer on a wax paper lined cookie sheet
  • Chocolate Dipped Bananas: cut bananas into 3-inch sections, dip into melted chocolate, freeze and eat

It’s great to cool off with a sweet, frozen treat in the summer!

What’s your favorite summer snack for your kids? We’d love to try out some of your faves!

Army to Reimburse costs for State Licensure and Certification Costs due to PCS for Army Spouses

05/22/2019 By Military Life Administrator

By Marguerite Cleveland

     A new Army directive, 2019-18 was recently published and sets the groundwork to reimburse Soldiers for the costs their spouses incur due to certification and licensing fees requirements when moving to a new state.  Army Spouses face many barriers for long-term careers in professionally licensed fields. This directive hopes to relieve one of those barriers by reducing the cost of transferring licenses to a new state.

     “Our spouses are lawyers, nurses, teachers, cosmetologists and real estate agents,” said Dee Geise, who works in the Office of the Assistant Secretary of the Army for Manpower and Reserve Affairs. “It eases part of the stress of the cost associated with relicensing after a PCS move.”

Photo Credit: © Africa Studio /Adobe Stock

    For many Spouses these costs are incurred with each new move and over time add up to a significant expense.  The new program authorizes reimbursements of qualified fees up to $500. For fees to be considered qualified, it must be required by the state to secure a certification or license. The Spouse must be currently employed and hold a certification or licensing requirement before the PCS move. It will not cover the costs to initially be certified in a field of employment. Spouses of Regular Army, Army National Guard and U.S. Army Reserve are eligible. Family members must be authorized on the PCS orders at the expense of the United States to be considered for this new entitlement. The directive is grandfathered in to December 12, 2017, the date of the National Defense Authorization Act for Fiscal Year 2018. At this time it will cover expenses paid up to December 31, 2022. It is hoped that Congress will renew this entitlement in future Defense Budgets or make it permanent.

     Right now there are no procedures in place to apply for the reimbursement. It is expected that the request for reimbursement will take place when filing PCS paperwork upon completion of the move. The Army Deputy Chief of Staff, G-a will be responsible for providing instructions for filing and will send a message to all Army activities once this is in place. For more information Soldiers can follow up with their unit S-1 for updates. Also check www.militaryonesoure.mil for updates. It also has tons of information on Spouse employment and careers. In the meantime save any receipts showing the payment of Licensure and Certification costs back to December 12, 2017 so you will be prepared to file for this entitlement.

Marguerite Cleveland is a freelance writer who specializes in human interest and travel stories. She is a military brat, a veteran and now a military spouse.  Her military experience is vast as the daughter of a Navy man who served as an enlisted sailor and then Naval Officer. She served as an enlisted soldier in the reserves and on active duty, then as an Army Officer. She currently serves as a military spouse. She lives in the Pacific Northwest with her husband and two sons. Visit her website www.PeggyWhereShouldIGo.com

Little Ways to Save Your Sanity This Summer

05/21/2019 By Meg Flanagan

Look, I love summer as much as the next person. But I’m also super busy all year round with work, life and my kids. It’s just that, well, in summer the lines between life, work and kids blurs a whole lot more. Since we’re adding in a PCS this summer, life’s about to get insanely logistically crazy.

Little Ways to Save Your Sanity This Summer

What I’m trying to say is that I’m searching for any little (or big) ways to save my sanity this summer. Since I’m just a bit into research, I’ve deep dived into this and I’m sharing everything I’ve learned with you!

Invest in Child Care

If you don’t have kids, please skip this section or file it away for a time when you do need it.

Got kids? This is for you!

As a busy mom of two under 5 who also works from home, I know the struggle of trying to do it all while also making memories. The reality is that it’s almost impossible to do both perfectly all the time. I also don’t want to stop the fun times for my kids because I’ve got deadlines and projects.

Instead, I’m investing in child care! Here are some options you can try that won’t break the bank:

  • Child Care Swaps: find a group of parents that you like and trust, then swap play date duties! Keep the kids at your house for a few hours while the other parents get things done. Then, another parent can take over the next time. It’s free, other than sharing some snacks!
  • Parents’ Helper: help a young teen or tween gain babysitting skills this summer! Your kids will love having a fun, older kids to play with. You’ll love getting some work done around the house for less than a normal babysitting rate.
  • Busy Bins: setting up an independent play center is ideal for older toddlers and preschoolers! It’s not a babysitter, but having activities that require minimal adult assistance is crucial when you need to take a minute for yourself.

Say Yes to Deliveries

If I can get everything I need without having to drag my children along to a store, then I want in on that service. Right now, we’re living in the golden age of delivery services for literally everything.

This summer, I’ll be getting these types of items delivered:

  • Groceries: from in-house options like Peapod to pick-your-store choices like Instacart, it’s almost too easy to not shop in-person anymore. If delivery isn’t your jam, I’m also loving the virtual cart feature many grocery stores are adding. Shop the store from anywhere, pay and schedule pickup when it suits your schedule!
  • Meal Kits: if you’re tired of collecting random full size ingredients for a one-off recipe, meal kits are for you! Perfectly portioned ingredients, with just enough for the recipe you’re making. There are options for literally every single diet and taste: vegan, vegetarian, gluten free, Keto, Paleo and even kids!
  • Subscription Boxes: getting a regular stock of useful items is way cool. I’m the first to admit that I’m stuck in my ways, so having a subscription box that injects new options into my routines is perfect. From books to fitness gear, snacks to dog toys, there’s a box to fit your interest.
  • Household Essentials: skip the mad dash to the store the next time you run out of toilet paper by never running out again! Set up auto-delivery of your household essentials with Amazon Prime or a similar service. We currently use it for diapers, wipes and household cleaners.

Keep Things Tidy

Whether you’re looking to tidy up your yard or your house, outsourcing these tasks can 100% save your sanity over the summer. I know we’ll certainly be investing during this crazy PCS.

  • Cleaning Services: from a one-time deep clean to regular service, investing in housecleaning is crucial to keeping things running. Get your new house shipshape after you unpack, deep clean the beach sand out of the nooks and crannies or make sure the bathrooms are always clean. Trust me, it’s worth it!
  • Professional Organizer: it’s always a struggle to fit everything we own into each new house. Every floor plan is very different, which makes it hard to build just one system. Instead of fighting it, I’m embracing professional organization services like Modified by Melissa – offered by a military spouse!
  • Lawn Care Services: no one likes weeds in the flowers or an unkept lawn. You can invest in a professional, all-inclusive regular service or hire the teen down the street. Either way, weeds you aren’t pulling is worth every penny.

Easy Summer Fun

Ultimately, summer is a time for fun. And there are tons of easy ways, especially for military families, to really enjoy every second of summer vacation!

  • Blue Star Museums: coast-to-coast, museums are opening their doors to military families – for free! From children’s museums to botanical gardens, you can find a great place to visit for the day.
  • On-Base Pool: when the summer gets hot, it’s time to hop into the pool on-base. Many pools offer toddler splash pad or tiny tot pools as well as places to swim laps or dive.
  • Digital Library: grab the latest releases for kids and adults, for free, when you use your branch’s digital library service! Sign up is super simple. Just ask at your local base library.
  • Theme Parks Nationwide: many theme parks, like Disney and Sea World, offer discounts or complimentary tickets to military families!
Photo Credit: © MNStudio /Adobe Stock

I know that this summer is going to so much simple and way less crazy!

What are your tips and tricks to save your sanity over the summer?

Commissary Meat Savings, BBQ Combine for Sensational Seasonal Sizzle

05/20/2019 By Military Life Administrator

NEWS RELEASE

Defense Commissary Agency

Corporate Communications

1300 E Avenue, Fort Lee, VA 23801-1800

Tel:  (804) 734-8000, Ext. 8-6105  DSN: 687-8000, Ext. 8-6105 

FAX: (804) 734-8248  DSN: 687-8248

www.commissaries.com

Release Number:         41-19                                                                                                                        

Date:                              May 17, 2019

Media Contact:             Kevin L. Robinson, public affairs specialist

Tel.:                                (804) 734-8000, Ext. 4-8773

E-mail:                           kevin.robinson@deca.mil

Grilling 101

Commissary meat savings, BBQ combine

for sensational seasonal sizzle

By Kevin L. Robinson,

DeCA public affairs specialist

Note: Go to the DeCA website to view this release online. For photos related to commissary meat savings, go to DeCA’s Flickr page, and go to the agency’s YouTube page to see a video on food safety at the barbecue.

FORT LEE, Va. – As legions of backyard chefs take the covers off their barbecue grills, they’re reminded to use their commissary benefit for significant savings on their meats and other grilling needs.

“You simply cannot beat the savings at your commissary,” said Army Command Sgt. Maj. Tomeka N. O’Neal, the Defense Commissary Agency’s senior enlisted advisor to the agency director. “Now that it’s barbecue season and we’re preparing for graduation parties, pool parties and unit organizational days, it’s a no-brainer to hit your store for deep savings on meat, sauces, condiments, side dishes, aluminum foil, charcoal briquettes and more.”

Patrons can go to their stores’ meat department to get the freshest cuts on some of the commissary’s most popular items for barbecuing such as ground beef and hamburger patties, steaks (T-bones, rib eyes, sirloin), baby back and spareribs and brisket, said Darrell Clary, DeCA’s category manager for meat.

“Our stores have everything our patrons need to get delicious meats at even tastier prices,” Clary said. “And here’s a tip: If you’re looking to save even more on your barbecue, look for forequarter meat such as chuck meat, as well as pork and chicken – chicken legs and thighs are cost savers.”

Commissary patrons can also access the DeCA website and check out the Savings Center for current promotions, featured recipes, “Your Everyday Savings” items, the “Sales Flyer,” commissary store brands and digital coupons with the Commissary Rewards Card. 

They will also see their stores promoting local sales on top of everyday meat savings. Ongoing meat-related promotions include the following:

  • It Has To Be Heinz 150th Ketchup Anniversary: Heinz Ketchup is celebrating 150 years and commissary customers can join the fun by throwing a backyard barbecue party of their own with a $150 commissary gift card. Additionally, commissary customers can take home a basket full of savings by using high-value coupons on the following participating brands: Heinz, Kraft, Ore-Ida, Delimex, TGI Friday’s, Devour, Smart Ones, Smart Made, Cracker Barrel, Miracle Whip, Jack Daniels, Oscar Mayer, Velveeta, Country Time, Capri Sun, Kool Aid, Crystal Light, Maxwell House, Gevalia, Planters and McCafe. 
  • Sidewalk Sales: The majority of commissaries worldwide are holding a sidewalk sale in conjunction with May’s Military Appreciation Month. Weather permitting, every commissary worldwide will have one event – a two- or three-day outdoor sidewalk weekend sale (a maximum of four days) – offering extra savings including special deals on some case- and club-pack items. Several commissaries will partner with exchanges for certain promotions linked to this event. Patrons are encouraged to check their store’s web page for sale dates and hours and more details. In addition to the case lot formats found in commercial club stores, commissary sidewalk events also offer additional “mix and match” packages of similar items in bulk-size cases. This event runs until May 31.

“When you start preparing for your barbecue, whether it’s for your family or for all the folks in your unit, make the commissary your first stop for quality meats at great savings,” O’Neal said. “You cannot do better on the prices for everything you need to make the grill the place to be this summer.

“By the way, if your barbecue grill is showing its age, you can also save on a new one at your local exchange store,” she added. “Just another reason why shopping your commissary and exchange is worth the trip to the installation.”

-DeCA-

Military Kids Deserve A Break

05/16/2019 By Military Life Administrator

By Marguerite Cleveland

     Recently my son who was beginning the college application process asked me, “Mom where am I from? I was born in Georgia, you and Dad are residents of Florida where I never lived and my driver’s license is from Washington State. I have to admit I was stumped.

     Military children are carted from state to state and often around the world and have no choice in the matter. I remember going to three different schools in 4th grade which was a tough year and my two boys will have each attended 6 schools by the time they graduate with my oldest going to six schools in six years. With the challenges military kids face they deserve a break.

     I propose the Military Children’s Residency Act. This law would allow military kids upon turning 18 to choose their state of residence. This would allow them to establish residency for college without having a waiting period. Isn’t that the least we can do for these resilient kids? Why should they have to pay thousands more in tuition because a parent serves in the military?

Photo Credit: © LIGHTFIELD STUDIOS /Adobe Stock

     We aren’t talking a lot of kids either. There are approximately 2,000,000 military children in school systems across the country. If you divide that out by grade equally that is a little over 150,000 graduating seniors. Around 70% of go on to college which is around 108,000. If you split it equally over the 50 states it is around 2200. Granted that number is probably much lower for some states and higher for others but still pretty low in the scheme of things. States could easily absorb in state tuition rates for these kids.

     I have seen a trend recently where the challenges our kids face are starting to be recognized. I live in Washington State and they just recently passed a law that allows military parents to register for school prior to having moving into their new homes. This past summer we were purchasing a home in a different school district and I wanted to register my son for summer school. The cutoff was before we closed on the house and even with a sales contract I was not allowed to register until we actually resided in the house. Very frustrating but this new law fixes that issue.

What laws do you think state and federal legislatures should pass for military families?



Marguerite Cleveland is a freelance writer who specializes in human interest and travel stories. She is a military brat, a veteran and now a military spouse.  Her military experience is vast as the daughter of a Navy man who served as an enlisted sailor and then Naval Officer. She served as an enlisted soldier in the reserves and on active duty, then as an Army Officer. She currently serves as a military spouse. She lives in the Pacific Northwest with her husband and two sons. Visit her website www.PeggyWhereShouldIGo.com

Self Care Is Important For Military Spouses

05/16/2019 By Military Life Administrator

By Marguerite Cleveland

    Life as a Military Spouse can be extremely stressful and with deployments you are often carrying the load on your own. Often times you find yourself at the bottom of the list of things to do. For me the hardest time was when I had young children who weren’t speaking yet. It was isolating and exhausting. It is important to take care of yourself because you are the glue that holds everything together.

 Here are a few tips I found that helped me out over the years.

  • Find some childcare and take some time for yourself each week. That maybe just taking a shower or going to coffee with a friend. If you are on a tight budget, arrange with a friend and each take a morning where you babysit the others children. It’s a win if the kids are close in age as they will play together all morning. During deployments many installations offer a certain number of free hours of child care. Also check out Mom’s Morning Out at local churches or the YMCA. These can be free or low cost. Some are a co-op where you volunteer and get hours in return.
  • Take time to savor a special treat when the kids are napping or go to sleep for the night. Maybe a nice glass of wine or a perfect chocolate bonbon.
  • Set a goal. My sister talked me into doing a triathlon and I then talked a few of my friends into it. I downloaded a training plan and made a point to allow time for it. It was such a great stress reliever and the bonus of getting into shape.
  • If you have small children, plan play dates. An hour or two at a playground with other Moms can be a nice break in routine. It also tires the little ones out so you will have bonus nap time giving you an additional break.
  • Quit saving stuff for a special occasion and use it now. Enjoy a luxurious bath with products you got at Christmas. Get out one of the good plates and serve your meal on it. Using your special things will make you feel special.
  • Watch a sad movie. I don’t know what it is but I feel so much better after a good cry. I can remember watching the movie “The Notebook” when my husband was deployed and having a complete total breakdown just sobbing my eyes out. I was exhausted but all that built up tension and stress was just gone
Photo Credit: © nicoletaionescu
/Adobe Stock
  • If your budget allows, a massage, facial, or get your hair done. If you live in more of a resort town some of the spas have nice upscale facilities with saunas, hot tubs and pools. Getting a treatment done will allow you use of the facilities.
  • Aromatherapy. I personally do not use essential oils but many Military Spouses I know swear by their use. These essential oils, lavender, sandalwood, bergamot, rose, chamomile, are used to relieve stress, calm nerves, relaxation, reducing anxiety and improving mood. You either rub on your skin or smell the oil to achieve the effects.

     It is important to take the time to care of yourself. So many people really count on us and taking a few minutes each day for yourself helps to keep you going. What is your favorite way to relieve stress?

Marguerite Cleveland is a freelance writer who specializes in human interest and travel stories. She is a military brat, a veteran and now a military spouse.  Her military experience is vast as the daughter of a Navy man who served as an enlisted sailor and then Naval Officer. She served as an enlisted soldier in the reserves and on active duty, then as an Army Officer. She currently serves as a military spouse. She lives in the Pacific Northwest with her husband and two sons. Visit her website www.PeggyWhereShouldIGo.com

Stay Safe at the Pool this Summer

05/14/2019 By Meg Flanagan

During the heat of summer (and spring in some places), the pool is a great place to cool off. Splashing around is super fun, but it’s important to be alert to the possible dangers, too.

Stay Safe at the Pool this Summer

Sure, the pool is fun and exciting – a place to relax and kick back for a while.

As a former lifeguard, I am all too aware of just how quickly a fun day at the pool can turn into a nightmare. Before you head out for a day of splashing in the cool water, take a minute to review the basics of pool safety.

Yes, you’re 100% going to hear some or all of these tips throughout the summer at the pool. In my opinion, you can’t hear pool rules and advice to keep you safe often enough.

Keep Littles Close

My husband always rolls his eyes when I insist that my kids stay close at all times when we’re at a pool. But I follow this rule for a reason.

In the middle of splashing around in the pool, it’s incredibly easy to slip and fall or get very literally in over their heads. Stick close to your younger swimmers in the pool.

Babies, toddlers and even younger elementary aged kids need to be watched closely at pools. Yes, even in the kiddie pool or zero entry pools.

Hold babies in your arms or keep a hand on a secure floatation device. Try to stay within arms reach of preschoolers and toddlers, even if it means being constantly in and out of the pool with your child. Older kids who are not confident swimmers should always stay where they can comfortably touch, with their head above water.

Walk, Don’t Run

Sometimes, I might beat the on-duty lifeguards to the punch, shouting “Don’t run!” at kids who are moving a smidge too fast. Sorry, it’s a reflex! But I’ve also seen my fair share of icky pool deck injuries caused by a slip and fall due to running.

Pool decks are super slick and slippery. It’s easy to lose your balance or fall if you’re moving quickly.

Even with the non-slip mats along the edge of the water, the best way to stay safe on deck is to walk carefully. Go slow and stay well away from the edge at all times.

Kids are often the most frequent runners at the pool. They’re excited and want to start having fun, swimming around. Remind them to walk slowly and carefully at all times. If they do run, don’t hesitate to sit them out as a consequence.

Hold your younger children’s hands at all times on the pool deck. It’s incredibly easy for little ones to wander too close to the deep end or forget about walking slowly.

Know Your Limits

One of the scariest lifeguard trainings is a drowning video. On the screen, you see a little boy edge his way out to join his pals in the deep end. This child is not a deep water swimmer. Near his buddies, he releases from the wall, takes a few strokes and silently panics before slipping under the surface. The next movement is a lifeguard diving in to rescue him.

It all took under 30 seconds and his friends never even saw him moving toward them or drowning.

Whether you (or your child) are an experienced or beginner swimmer, it’s important to know your skill set and limits. It’s very tempting to head to the deep end with buddies or take a jump off the high board to be brave.

But swimming in deeper water than you’re used to can also be very risky. Bravery can quickly turn to panic as a swimmer tires, but is unable to reach safety or feels like they must save face in front of their friends.

Kids and adults, especially males, are at risk of pushing their limits at the pool.

Kids need to stay with a parent and/or in their designated areas. Pools typically require that minor children complete a swim assessment before moving into deeper water or jumping slides and diving boards. Color-coded bracelets or other markers are issued to swimmers to indicate where they are permitted to swim. Never swap bracelets with a more experienced swimmer.

For adults, there are not usually swim tests to access the deep end or the slides and diving boards. However, knowing your personal limits at the pool is extremely important.

Keep Parenting at the Pool

The pool is for relaxing, right? Not if you have kids with you! Anytime you are bringing children to the pool, it’s your primary job to keep them safe. Yes, even if they are super experienced swimmers who could one day make the Olympics.

The lifeguard staff is there in the event of a life-threatening emergency. They are not there to fetch your child toys, break up too rough play or constantly remind your child to walk.

There are maybe 12, at most, people on staff to protect several dozen swimmers. If the lifeguards are spending their time correcting minor unsafe behaviors, they might miss a person who is actually in danger.

At the pool, keep on parenting. Watch your child(ren), correct unsafe behavior and issue consequences as needed. Rushing to grab a kickboard could quickly turn into a head wound due to a slip and fall. Breath holding contests can turn into drownings. And a few too many open-mouth dunks underwater could lead to vomiting poolside.

All of these will ruin your relaxing day at the pool. Stay vigilant.

Adult Safely Solo

No kids for you? Perfect! Your day got easier by a good bit.

But it’s still important to stay safe at the pool. Remember to keep alcohol consumption to a minimum since it impairs judgement and could lead to unnecessary risk taking.

Taking breaks from the water to relax, eat, hydrate and reapply sunscreen is also crucial.

With a little extra caution and situational awareness, your relaxing pool day can be super fun!

What are your pool safety tips that often get overlooked? We’d love to share key ways to keep our community safe this summer!

Fort Bliss Commissary Produce Manager Receives National Award

05/10/2019 By Military Life Administrator

NEWS RELEASE

Defense Commissary Agency

Corporate Communications

1300 E Avenue, Fort Lee, VA 23801-1800

Tel:  (804) 734-8000, Ext. 8-6105  DSN: 687-8000, Ext. 8-6105 

FAX: (804) 734-8248  DSN: 687-8248

www.commissaries.com

Release Number:         39-19                                                                                                                        

Date:                              May 9, 2019

Media Contact:             Kevin L. Robinson, public affairs specialist

Tel.:                                (804) 734-8000, Ext. 4-8773

E-mail:                           kevin.robinson@deca.mil

Top honors

Fort Bliss Commissary produce manager

receives national award

By Keith Desbois,

DeCA public affairs specialist

Note: Go to the DeCA website to view this release online.

FORT LEE, Va. – Vicente Aguirre, produce manager at the Fort Bliss Commissary, Texas, will be recognized as one of 25 top produce managers nationwide, selected by United Fresh for its 2019 Retail Produce Manager Award.

“My team and I are truly honored for being recognized, especially considering the significance of this award,” Aguirre said. “It represents all the hard work and commitment by my team to our military community customers and our commitment to excellence we show every day, to win their confidence in the quality, selection, and price of our produce.”

Aguirre was selected from hundreds of nominations submitted by produce suppliers and retailers from across the industry, according to United Fresh. The awards pay tribute to produce managers’ efforts to boost sales and consumption of fresh fruits and vegetables, and recognizes their accomplishments in helping customers eat healthier.

One factor Aguirre attributes to his win is the outreach events his team does every month. Whether it is an interactive display with other department tie-ins, or a tour for children in day care, Aguirre says he always has something displayed to increase sales and make a lasting impression on customers.

He also stressed that having a strong team is one of the most important aspects of success.

“You have to get your produce team excited by allowing them to make good decisions,” Aguirre added. “As they say, you are only as good as the team around you.  I’m always surprised to find out how much talent and ideas are tossed around by our employees.”

As for his key to success, he believes that you have to keep idea channels open and it will lead to happy team members who want to show what they are made of. “Don’t get in their way, and ‘build it high and watch it fly’,” he added.

His leadership team said they are very proud of his accomplishment and dedication to providing the benefit to patrons.

“Fort Bliss is located in the middle of a desert and sometimes it is not easy to get what you want when you want it,” said store director Michael Mena. “We overcome this by creative merchandising and weeks of planning for events. Vince and his produce team make it happen with outstanding customer service, attention to detail, but most of all, because he loves what he does and our military community customers.”

Aguirre will receive his award June 12 at United Fresh 2019, during the Retail-Foodservice Celebration in Chicago. Since the program’s inception in 2005, almost 325 retail produce managers, representing more than 110 retail banners, have been recognized.

-DeCA-

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