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Should Service Members Be Required to Buy into Their Post-9/11 GI Bill Benefit?

06/19/2017 By Kimber Green

House Veterans Affairs Committee Chairman Phil Roe, R-Tenn., introduced the idea of changing the GI Bill to have service members buy into the benefit. This quickly became a debated topic with strong opinions on both sides.

Later, a meeting was scheduled to hear points from multiple interested parties, but that was quickly called off as well. Finally, last month 35 veterans groups were able to peacefully discuss changes to the GI Bill.

At the conclusion of that meeting, the groups were able to agree on 4 key changes to the GI Bill but could not agree on how to fund them.

Currently, the Post-9/11 GI Bill is a free benefit to service members that meet certain criteria. There is no fee to participate in the program. The GI Bill is estimated to cost the government about $100 billion over the next 10 years.

Should Service Members Be Required to Buy into Their Post-9/11 GI Bill Benefit?

New service members may be required to pay into the GI Bill if proposed changes occur. Four changes are being considered, but funding for them may come from service members directly.

The idea introduced is that new service members would have to buy into the GI Bill benefit if they wanted to have access to it. This fee would only apply to service members that enter the military after a set point, not current or former service members.

The GI Bill tax is proposed to be $100 a month for the first 2 years of service. While that might not sound like a lot of money to those in Washington, it is substantial to lower enlisted men and women. Once the $2,400 has been paid over that period of time, service members would be eligible to use the GI Bill. The government estimates that this buy-in fee would bring in $3.1 billion over 10 years.

The money taken in from this GI Bill tax would be used to finance adding other groups of service members and their families that do not, under the current GI Bill, qualify for the program. Adding these groups to the GI Bill benefit is what all parties can agree on, but funding it through this tax is not.

As it stands, the groups agreed on 4 changes to the GI Bill.

The first is permitting National Guard and Reservists who deployed under Title 10, Section 12304b and should of qualified for benefits, but didn’t, to be eligible for the GI Bill. Roughly 4,700 service members fall under this category.

The second thing they agreed on is to broaden the eligibility for the Yellow Ribbon Program to include surviving spouses as well as children of service members that were killed while serving their county. The Yellow Ribbon Program provides extra money to put toward education, which allows recipients to attend schools or take classes that would otherwise cost more than the GI Bill would cover.

The third thing all parties could agree on was to give full GI Bill benefits to every Purple Heart recipient. Sadly, every Purple Heart recipient does not currently qualify for these benefits. As it stands, the service member must be medically retired from the military if they don’t have 36 months of active duty. There are about 1,500 Purple Heart recipients who do not meet these qualifications.

Finally, those at the meeting agreed that there should be assistance for students when a school they are attending closes. Under the current GI Bill, if a school closes its doors before you graduate, you simply lose the money that the GI Bill benefit paid to the school. You don’t get to start over at a new school with new money.

Thousands of veterans were hit hard when ITT Tech closed last year. They weren’t able to recoup any of the money or even transfer credits.

These 4 changes to the GI Bill are great improvements. The only problem is how to fund them. The VFW strongly disagrees with charging service members for the GI Bill but other groups, particularly the Student Veterans of America, are for it.

What do you think of this proposal to have service members buy into their Post-9/11 GI Bill benefits?

Have You Noticed Price Changes at Your Commissary?

06/05/2017 By Kimber Green

Prices have already started shifting at the commissary under the new variable pricing strategy. Have you noticed a difference? The change began earlier this spring when the commissary tested the new program out in 10 stores.

Now the variable pricing strategy is being implemented across the country. Don’t worry; you’ll still see great savings.

Have You Noticed Price Changes at Your Commissary?

Michelle Hooper, a customer service ambassador at the Luke Air Force Base, Arizona, Commissary, scans prices. Luke won the 2015 Defense Commissary Agency’s Director’s Award for the Best Superstore. (DeCA photo)

If you missed the big announcement, last year the National Defense Authorization Act (NDAA) authorized a significant change in how the commissary determines the price of goods. Previously, the commissary set prices at cost plus a 5 percent surcharge. That surcharge money was used to maintain commissary facilities and to build new ones, such as the $38-million commissary at Fort Belvoir.

DeCA, the Defense Commissary Agency, which operates the commissaries, is funded by taxpayers’ money with a budget of $1.3 billion annually. Washington has been trying for years to get the commissary to be more self-sufficient and rely less on federal funding.

This year they are finally attempting to do just that. Variable pricing is one of their strategies. The commissary will also be introducing store brand products as well.

What is variable pricing?

Previously, the products at the commissary were sold at cost plus the 5 percent surcharge. Under variable pricing, the prices of goods will no longer be that simple.

Instead, many factors are taken into consideration when setting the price of products. This includes the market price, cost of obtaining the item, how well the items sell and more.

This isn’t something new the commissary came up with or that those in Washington fathomed. It is how commercial grocery stores determine their prices. The commissary is now embracing a similar pricing system.

Prices have always changed at the commissary based on the cost the commissary incurs for items from manufacturers. Many factors cause manufacturers to change the price they charge, such as weather and their cost of doing business.

Prices will now fluctuate with the market instead of simply with the manufacturers. While some prices might be going down, others might go up. Overall savings at the commissary will not change however.

How much will each region save?

Commissaries are grouped into regions. Market research is conducted in each region to determine the prices goods will be set at. This includes comparing the prices of about 1,000 products locally as well as the estimated 38,000 products that are checked nationally.

The cost of living varies across the country and with that is the cost of food. Researchers then are tasked with comparing the prices of items at different grocery stores across individual regions to determine the best price to set commissary products at. As the cost of living is higher in some areas and lower in others, so too will be the savings level in each region.

These savings will range from 17.6 percent to 44.2 percent over commercial grocery stores depending on which region you are in. Below are the regions and the overall savings expected.

Region            Savings %

New England            21.4%

South Atlantic          19.9%

South Central           18.1%

Pacific                       20.9%

Mountain                  17.6%

North Central           20.2%

Alaska/Hawaii          32.6%

Overseas                    44.2%

Which region am I in?

Now that you know how much savings each region is expected to save, you may want to see which region you are in. Commissaries aren’t in typical geographical groupings, as Virginia is included in the New England region as opposed to the South Atlantic for example.

To find out which region your commissary is in, look for your military installation on this map. Are you in the region you expected? How do you feel about the savings percentage your region is expected to get?

Next time you go to your commissary, check the prices and see if you can tell a difference.

Have you noticed a change in prices at your commissary? Which items did you notice have a price difference? Tell us in the comments section.

How to Avoid Military Spouse Drama

05/15/2017 By Meg Flanagan

“And then she said, ‘Your husband’s not a real Marine!'”

Military spouses can avoid drama with these 4 simple steps.

If military spouses had a nickel for every minute of spouse-on-spouse drama, we would all be very, very wealthy. And while some spouses seem to thrive on gossip and one-upping each other, there are many who would like to totally avoid this scene.

If you want to avoid military spouse drama, there are a few easy ways to do so.

1. Be Upfront

The second that someone around you starts getting into the drama, cut it off.

“I’m sorry, but I really don’t like to talk about those things. “

Then pick a new topic. Maybe get into your latest favorite book or movie, ask about the new store at the mall or gush over the yummy dessert you’re eating.

This sets the tone of the conversation and steers it away from gossip. The more often you refuse to engage in the drama, the less likely people will be to even bring it up around you. You’ll be establishing a reputation as a person who avoids drama.

And that’s a very good thing!

2. Walk Away

If you’ve made it clear that you don’t want to deal with the drama, and your friend keeps going, just walk away.

In a party, casually find a “friend” across the room that you just have to speak to right this second. Repeat this tactic every time gossip or drama seems to be approaching. You won’t have to deal with most of the negativity and you’ll get to circulate really well.

When you’re in a smaller setting, with just a few people, make it clear in advance that you really don’t want to talk about others or start the complaints train rolling. If it does start to veer in that direction, find a reason to leave early. You could be super sneaky and set a phone alert for your “appointment” to go off in a few minutes. Or “get a text” from your spouse that requires you to leave ASAP. You could also be honest:

“I’m going to need to leave now. I really can’t handle the drama or complaining. Please let me know another time to get together so we can talk about positive things!”

Then drop some cash for your food and dash.

3. Rethink Facebook Groups

One of the biggest sources of drama right now is online. There are Facebook groups for every facet of military spouse life. From neighborhood pages to military mom groups to unit support, it’s all there. And it seems like everyone is bringing their best complaining game to the interwebs.

If you find yourself in a drama-centric Facebook group, you have two choices: stay and mute the alerts or leave.

The online groups can be great. Members offer advice, support and the dirt on the best mani-pedis in town. By staying in the group, you can still access all of that, just on your own terms.

To keep the group from cluttering your newsfeed, reset the notifications setting. Go to the group page, click on notifications and select the option that you prefer: all, highlights, friends or none.

When a group becomes too toxic, it’s time to leave completely. All you have to do is click “leave group.” Just like that, you’ll have one less source of drama in your life.

4. Choose Friends Wisely

We all have THAT friend. The one who creates drama everywhere. What if you didn’t have THAT friend anymore? If you find you’re in a situation with one or two people who are just full of drama or gossip, it could be time to pull back from these friendships.

It’s OK to slowly, gently move from friends to acquaintances. Maybe meet for coffee, but don’t do full girl’s day out or spend a day on the golf course. You could go from spending weekends together to casually bumping into him at social events.

If your friend asks about the changes, you could blame it on your schedule.

“We’re just really busy right now. We’ve had to rethink how much time we are spending doing (activities).”

Or you could be completely honest.

“It was hard to listen to you complain all the time. I needed to pull back a little bit for my own mental health. I would love to still hang out if we could talk more about positive things in our lives.”

The same thing goes for online friends. You could unfollow people that you still care about and don’t want to unfriend online. It will cut down how often you see their posts, while still allowing you to occasionally check out their pictures. If you really want to send a message, completely unfriending is the way to go. Your personal Negative Nancy (or Nick) will be gone from your friends list and your newsfeed.

May your military spouse journey be drama-free!

How do you avoid military spouse drama? Tell us in the comments!

6 Tips for Talking to Your Kids About Rehoming Your Pet

05/12/2017 By Meg Flanagan

Even with the best of intentions and a lot of effort, it can happen. Sometimes you really do need to rehome your beloved pets.

6 Tips for Talking to Your Kids About Rehoming Your Pet

There are so many life changes and situations that we cannot anticipate. Sometimes, despite our best efforts, it is better for everyone to find a different home for Fido or Fluffy.

After you have made this tough decision, it’s time to explain it all to your children. This can be even harder, especially since they adore your pet even more than you do.

Use these 6 tips for talking to your kids about rehoming your pet.

1. Be Honest

Be upfront about why you need to rehome your dog, cat or other creature. Children can tell when you are hiding something or not telling the truth. It’s better to be honest now, and answer all of their questions, rather than play catch-up later to cover your tracks.

So tell them:

  • if a family member has or has developed an allergy
  • if the cost of pet care was just too much
  • if the cost of moving with the pet is too high
  • if your housing situation doesn’t allow a pet
  • if your house isn’t the best place for your pet (no yard or too small)
  • if life changes (like a new baby, illness or injury) have changed the pet situation
  • if you just don’t have time to devote to your pet
  • if the pet is aggressive with the kids or baby
  • if the pet is too old or ill to move with your family
  • if you are moving overseas and your pet can’t make the trip for any reason

There are so many life changes and situations that we cannot anticipate. Sometimes, despite our best efforts, it is better for everyone to find a different home for Fido or Fluffy.

2. Don’t Blame Your Kids

Kids are kids. They are still learning how to care for themselves. It’s frankly a miracle if they remember to both flush the toilet and wash their hands. Kids, no matter what age, should not be held responsible for all of the pet care.

When you tell them that your pup or kitty is going to a new home, don’t blame the kids.

Instead, explain that as a family, things have changed or happened. As a family, you are no longer able to care for the pet the way it deserves.

3. Do Your Research

Before you even tell the kids, you need to do some research. Yes, there are animal shelters in every community in the United States and abroad. However, many of these shelters are considered “high kill.” In other words, animals surrendered to these places have a ticking clock: either be adopted by a certain date or be euthanized.

If possible, try to find another option like a compassionate animal shelter or another family to adopt your pet. There are many groups online that can help direct you toward loving foster homes, pet adoption agencies or rehoming services.

4. Keep the Kids Involved

If you opt to find another family yourself, keep the kids involved in the search process. Remember, this is a beloved member of your family. You don’t want to give your dog or cat to just anyone!

Let them help make the ads or posters to show off your beautiful pet. Have your kids help you to weed through the people who want your pet. If it’s safe, bring them with you for meet-ups with the potential new owners.

Ask your pet’s new family if they might keep you updated with pictures and stories. Your child will want to know that their pet is still loved!

5. Don’t Make Any Promises

It is so tempting to make promises when you are talking to your kids about rehoming your pet. This is especially true if your current military life circumstances are forcing your hand.

You might be tempted to say:

  • “We’ll get a new pet at our next duty station.”
  • “When the baby is bigger, we can get another pet.”
  • “When we get a house with a yard, we can get a new dog.”
  • “If we get a bigger house, we can get another pet.”
  • “Let’s get a cat/reptile/fish tank instead.”

Before you even sit down with your kids, be really honest with yourself. Why do you need to rehome your pet right now? Really consider these reasons and then don’t promise anything.

6. Let Them Be Sad

Remember, this isn’t just any pet. This is THEIR pet, their best friend and snuggle buddy. He or she will be leaving the family forever and it is sad.

Your kids might have ideas about how to keep your pet. Listen to them. They might have a creative solution that you didn’t consider.

Take time to grieve together as a family. Do some things together to help remember your beloved pet. Take pictures together, go for favorite walks or give special treats.

Talk about your pet after it is in the new home. If the new owners have agreed, let your kids write cards or letters to your pet or the adoptive family.

What tips would you offer to military families who need to rehome their pets? Tell us in the comments.

 

Should Military Spouses Have a Spending Allowance?

05/08/2017 By Veronica Jorden

Not long ago, women were expected to marry, have children, and live a life dedicated to home and husband.

It was what society told women they could and should do. Money, like education, was deemed too complicated for women, despite the fact that managing a home required the ability to budget and plan.

In fact, it wasn’t until the beginning of the 20th century that women were legally seen as independent financial beings, capable of holding property and wealth separate from her father or her husband. It took another 70 years before women could open a credit card account without a husband co-signer.

But for all of this progress and financial independence, some modern-day women find themselves at the whim of their husbands, financially speaking.

When first presented with the idea that some stay-at-home military wives are granted an “allowance” for taking care of the household necessities, I was more than a little dumbfounded.

Should Military Spouses Have an Spending Allowance?

After nearly 20 years of marriage, I will admit that money issues are at the top of the list of things we argue about.

Is this practice a way for controlling husbands to keep their wives on a short spending leash?

Does it imply that these military spouses are incapable of handling money? Or that they are untrustworthy?

Can a healthy military marriage survive this kind of arrangement?

Is a Spending Allowance a Trust Issue?

In Kristine Schellhaas’s book, “15 Years of War,” she recounts her life as a Marine Corps spouse, including her time spent as the leader of the unit spouse organization. During that time, she often counseled young Marines headed out on deployment to ensure their spouses had access to their bank accounts.

Turns out, many of these same Marines said “I do” in a hurry because of the deployment and the idea of giving financial access to someone they hardly knew (wife or not) was a bit daunting.

I certainly can’t begrudge them for their concerns, but like Schellhaas pointed out to these Marines, a great many more problems could arise should a spouse be left without access.

A set allowance hardly provides wiggle room for emergencies or unexpected expenses and in times when a service member isn’t available on a routine basis, it’s not hard to imagine the difficulties a military spouse might face.

But these newly married military spouses aren’t the only ones earning an “allowance.”

The Monetary Worth of a Stay-At-Home Spouse

While a get-hitched-get-deployed kind of marriage might suffer from a few trust issues, it’s hardly the kind of thing one would expect from a couple who married under less time-constrained circumstances. However, a quick search of military spouse forums reveals that many military families operate in this fashion.

Since a stay-at-home spouse doesn’t have an employer, the monetary value of the work they do is often hard to estimate. According to Salary.com if stay-at-home mothers were paid for their work at a similar rate as someone employed full-time, they would earn well into 6 figures.

But it seems in some cases, stay-at-home spouses feel guilty asking for money as they don’t directly contribute financially to a family’s income. They are left feeling less valuable than their paycheck-earning spouse and an allowance, while possibly intended as a way of providing some financial freedom, often ends up feeling like payment for services rendered.

Hardly a healthy outlook for a marriage between 2 competent and loving adults.

A Rose by Any Other Name

Discussion of this issue often calls out the controversy that stems from the use of the word “allowance?” It tends to imply one spouse wielding financial power over another.

But, if it were termed “monthly budget” would so many cringe at the thought? If both spouses were limited to an “allowance” would we find less to critique?

After nearly 20 years of marriage, I will admit that money issues are at the top of the list of things we argue about. I have and often still suffer from feelings of guilt in knowing I am capable of earning as much as my spouse, but my income, due to choices we have made as a family, is dwarfed by my active-duty spouse. And there have been plenty of times when we have limited ourselves to an allowance to ensure we stayed on budget.

What I can’t condone, however are those instances where an allowance is used as a power grab. For me, a healthy marriage means both spouses are equally responsible for the well-being of their family, be it earning a paycheck or managing a household. And as long as couples openly discuss spending expectations, whether you call it an allowance or not is really of little consequence. Communicating openly and honestly about your money to each other benefits your marriage.

Now it’s your turn. What do you think of allowances for military spouses?

What to Do if Your Dentist Isn’t Accepting United Concordia

04/12/2017 By Kimber Green

On May 1, 2017, Tricare dental coverage for active duty, Guard and Reserve families will transition from MetLife to United Concordia.

What to Do if Your Dentist Isn't Accepting United Concordia

Do you know if your dentist will be an in-network dentist under United Concordia? Check with Tricare today to find out.

Along with this change comes many great new benefits, but unfortunately not all dentists will be accepting United Concordia. This means you have some choices to make when it comes to your family’s dental care provider. Below are the things you need to know to make an informed decision.

Should You Drop Your Dentist if They Drop Tricare When United Concordia Takes Over?

First of all, this change only affects active duty, Guard and Reserve families. Delta Dental will continue to administer dental coverage for retirees and their families and that program is not changing at this time. For those that are part of the change, an increase in benefits and lower premiums come with the transition to United Concordia. In fact, no benefits are being reduced.

One important addition to United Concordia taking this contract is that the annual maximum benefit, which was previously $1,300 will now increase to $1,500. Under MetLife, sealants required a 20% co-pay. With United Concordia, sealants will be free.

Tricare dental is a voluntary program. You have to enroll your family if you want to use it. Previously, when a child turned 4 that was registered in DEERS, they would automatically be added to the family dental plan if that family had enrolled in one.

Under United Concordia, on the child’s 1st birthday they will be automatically added to the family dental plan. That is an important thing to consider if only a spouse was on the dental plan paying single enrollment. On the child’s 1st birthday that would automatically move the plan to a family enrollment and along with that comes a higher monthly premium.

Premiums are going down under United Concordia. You can view the chart at Tricare.mil. While premiums for some programs are going down a small amount, others will see significant savings. A single enrollment for the dependent of an active duty service member currently pays $11.68 a month, but as of May it will decrease to $11.10. That isn’t much of a savings, but an active duty family plan does have a better rate. That premium drops from $34.68 to $28.87 under United Concordia.

That’s all great, but what if the dentist you visit no longer accepts your insurance once United Concordia takes over in May?

Some dentists will no longer be accepting Tricare dental since reimbursement rates are much lower for them with United Concordia.

Dr. Adams, a dentist in Hampton Roads, Va., sees his share of military families, but says he will be losing money if he continues to do so come May. According to him, the reimbursement from United Concordia will be 15% lower than it was with MetLife.

What should you do if your dentist drops Tricare?

You can visit any dentist you want with Tricare dental, but it might cost you more. There are 330,000 network dentists with United Concordia. You can therefore, stay with your current dentist and pay out of pocket or you can search for a new dentist. You can search for a dentist online or call United Concordia customer service at 1-844-653-4061.

It is important to check if your dentist is in network. If they are not, but accept some payment from United Concordia, they might bill you for the difference in what United Concordia does not cover. Don’t get stuck with a bill. A dentist that is in network cannot bill you for any difference in payment.

Any member of your family can see any dentist; you don’t all have to go to the same practice. If there are multiple providers, you will need to check that the one you are seeing is in network. There can be several dentists in an office, each choosing to accept Tricare or not.

The dentist you choose to see may not know everything that is covered by United Concordia. You can log into your account online to see what is covered before authorizing any procedures. You will not have to file a claim if you see a dentist in network; they will do it for you.

Sticking with a dentist that is in network can save you a lot of money. Call your dentist or check online to see if they will be in the network come May.

If not, ask friends for referrals to other dentists and try someone new. If you are set on staying with your current dentist, make sure you ask how much procedures will cost before you authorize them.

For more information about the United Concordia dental contract, visit Tricare.mil.

Why New Regulations Won’t Solve the Marines United Problem

04/05/2017 By Veronica Jorden

Each of the Armed Services has passed down guidance intended to set expectations for dealing with the kind of despicable behavior brought to light in the Marines United Facebook group scandal.

Why New Regulations Won't Solve the Marines United Problem

Female service members have been secretly fighting to protect themselves from a “boys will be boys” culture for almost 80 years.

But if history is any indication, it’s hard to be convinced it will change a single thing. Regulations already in place should make eliminating this kind of behavior from the ranks easy and yet here we are.

Or should I say, here we are again.

Sadly, the deep-rooted culture of denigrating and disrespecting women who serve hasn’t changed much since women first answered the call to arms.

A  History of Public Humiliation

In 1943 a “slander campaign” sought to undermine the value and service of the Women’s Army Auxillary Corp. It whispered of pregnancy issues and venereal diseases. The campaign impacted recruitment efforts at a time when women’s service was greatly needed. Investigators initially thought the campaign was a form of enemy propaganda, but in the end, it was the actions of high-ranking military officers who believed women had no place in the military.

Fast forward 50 years and the weekend-long Tailhook Naval Conference left 87 women and 7 men sexually assaulted. After an initial cover-up, it took a single victim’s willingness to sacrifice her career and take her story to the press to get the Navy to stop making excuses and start taking action.

Female service members have been fighting to protect our country while secretly fighting to protect themselves from a “boys will be boys” and “locker room talk” culture for almost 80 years.

80 years.

The first service regulations that specifically targeted sexual harassment in the military weren’t even introduced until 1980, nearly 4 decades after women had become fully integrated into the U.S. military.

A Culture of Statistics

In 2014, a survey of female veterans from the Vietnam era to present showed that as many as a quarter of military women have been sexually assaulted and 80% sexually harassed. Another report in 2011 offered this staggering statistic:

“Women in the U.S. military are more likely to be raped by fellow soldiers than they are to be killed in combat.”

Ironically, when women report such crimes and demand the respect they’ve rightfully earned, it is used as an excuse to call them weak and accuse them of distracting their unit from its mission. A 2014 DoD survey found that in the previous year alone, “62% of active service members who reported sexual assault had experienced retaliation, including professional, social and administrative actions or punishments.”

This is the culture female service members face. It is a culture that continues to tell them that their service and their sacrifice is somehow less. That their personal safety isn’t found in trusting the soldier to their right and left, but instead must be found in tolerating illegal and immoral behaviors and staying quiet. It is a culture that demands they give their all and punishes them when their male counterparts decide they don’t like the competition.

Top-Down Change Won’t Work

Regulations and laws currently in place allow for the prosecution of service members involved in the latest scandal, who undoubtedly understood that their behavior was illegal and reprehensible and hence kept it secret and hidden from public view.

Some found safety in their fake-account anonymity; others in the sheer number of other group members who engaged in the same behavior. Sure, the group and the folder full of stolen images have disappeared, but investigators believe the group and its content will congregate and materialize under a new name on a new site. And while there are a few examples of service members suffering the consequences of such actions, there is a staggeringly number of cases where the behavior is dismissed or ignored.

I wish I felt that this renewed awareness would change things. That somehow those who still believe that “hotties don’t belong in the military” would hear the words of their leadership and change.

But the truth is, they haven’t listened in the last 40 years and I doubt they will start now.

This kind of change can’t come from the top down. It must be a grassroots effort within the military community.

The Facebook group in question was 30,000 members strong and it’s unlikely that these members’ attitudes about female service members weren’t apparent to those who knew them in real life. How many of them have been called out, not just by their chain of command, but by their fellow service members or veterans?

If you look at a service member and see gender before the uniform, you’re part of the problem.

If you think the women who were victimized in this case were responsible in any way for what happened to them, you are part of the problem.

If you hear the jokes and innuendo and laugh or ignore it, you are part of the problem.

But if you are willing to call it out, if you are willing to start changing the way you think about this issues, you can be part of the solution.

The question is, will you?

What are your feeling about the Marines United Facebook group photo scandal? Share them in the comments section.

5 Steps You Can Take Today to Make Your PCS Go Smoothly This Summer

04/03/2017 By Kimber Green

It’s PCS season and this year your family is one of many that will be moving. Do you have a PCS strategy?

5 Steps You Can Take Today to Make Your PCS Go Smoothly This Summer

What things do you do to make your PCS go smoothly?

Taking time to get organized before the big day can save a lot of time and some big headaches. Don’t wait until the last minute. Follow these 5 steps today to make your PCS go smoothly this summer.

Get Organized

The key to a successful PCS is planning. Sure you can just wing it, but wouldn’t it be nice to not get all stressed out?

Planning and staying organized will make this PCS a smooth one.

It all starts with a list. Organize your thoughts and put them down on paper or in your computer. Ask yourself, what do you need to accomplish and when does it need to be done?

Some of the main things to consider include: where you are going to live, where your children will go to school (if applicable), and if you will move yourself or have the military move you.

Is military housing available and would you want to live there?

If not, do you want to rent or buy a home?

If you have school-age children, what type of school do you want them to go to? You’ll need to decide if you want to look into public school, private school or the school at your military installation (if there is one).

Talk to your spouse and decide if your family wants to do all the work a PCS requires or if you want to get professionals to come help. Once you’ve made these key decisions, you can move on to the next steps.

Make a PCS Binder

Having a PCS binder is a great way to stay organized. Keeping all of the important documents and lists that you’ll need for the move in an easily accessible place is extremely helpful. Your PCS binder could include things such as:

  • Your PCS checklist
  • Important documents: birth certificates, marriage license, insurance information, Social Security cards and passports as well as car titles and military orders
  • Medical and dental records
  • School records
  • Pet records: complete shot records, especially rabies
  • Household goods inventory that includes a list of the serial numbers on electronic devises, the inventory list from the moving company and their contact information with delivery dates
  • Budget section with receipts folder
  • Important contacts: key contacts for the new command, utilities, insurance, schools, etc.

Purge

You’ve been putting it off, but now it’s time to finally purge your house of all the things your family doesn’t need.

The less you have to pack, the less you have to unpack and find a new place for.

Don’t get overwhelmed. Set time aside to do one room at a time.

When deciding what to keep and what to part with, consider the environment you’re moving to. You might not need those snowsuits any longer if you are PCSing to Florida. Decide what you can part with and then label bags for donation and resale as you go through your home. Once you’re done combing through the house you’ll be more organized and have less things to pack.

Prepare for the Movers

We have all heard horror stories about what movers have packed. To avoid having your own horror story, strategically place items together you want to stay together.

Labeling is extremely helpful. You can designate a different color for each room so you can quickly identify which room boxes go in at the next house. This can be done with colored tape attached to each box.

Move things that you don’t want packed to a designated room and label the door “Do Not Pack.” Things that you want to keep out for use before you move should also be labeled “Do Not Pack.”

Consider wrapping delicate items yourself. Wash dishes and empty the dishwasher before the movers arrive. Ask a friend to watch your children while the movers are there so you can give your full attention to the process.

Get to Know Your New Location

Think about the things you do and the places that you go to often. If you are a Starbucks junkie, look up how many are in the area. Does your family like to go to the zoo or aquarium? Look to see if there is one in that town.

Connect with other military spouses at the next command. Making friends in a new town is important and this is a great place to start. Reach out to the Ombudsman or key spouse. They should be able to help you get to know the area. They can also introduce you to other military spouses.

Look into community pages online. You’ll find information on local events and great places to go. You can begin to network as well. The more you get to know the area, the more confidence you’ll have when you PCS.

What steps do you take to make your PCS go smoothly? Share your tips in the comments section.

 

How to Use a VA Home Loan to Build Your Custom Home

03/24/2017 By Veronica Jorden

On any given Saturday, you’ll find me enthralled by the latest episode of a home-improvement show. I marvel at the shiny bathroom tile or the hand-scraped hardwood floors. It’s hard not to image what it would be like to build my dream home.

Would it be somewhere in California overlooking the ocean?

A Rocky Mountain hideaway in Colorado?

Or maybe a red-brick colonial in the suburbs of D.C.?

And I’m pretty sure I’m not the only one who has spent hours imagining it all, right down to the drawer pulls and carpet colors.

But did you know that financing home construction is vastly different from a traditional mortgage? Did you know your VA benefits can help you make your dream home a reality?

Here’s the skinny on how to use your VA home loan benefits to build your custom home:

New Construction Financing 101

Unless you have enough money to pay a builder cash for materials and labor, it’s likely you’ll need to take out a loan. New construction is typically financed with a construction loan during the building process, then converted to a traditional mortgage once building is complete.

Some real estate developers and builders will pay for the construction phase so that approved homeowners only need to secure a traditional mortgage. Often this means you’re building a house in a planned community and can customize your home from a variety of plans and options offered by the builder.

However, if you want an entirely custom home (from your own blueprints) or if you want to build outside of a planned community, you may need to apply for your own construction loan.

How to Use a VA Loan for Your Custom Built Home

There was a time when VA construction loans were readily available, but thanks to many of the issues that tanked the U.S. housing market in recent years, a straight VA construction loan may be hard to find.

During the construction loan process, the bank will review your building plans and release funds, as needed, for each phase of the building process. Generally, a homeowner will pay the interest on a construction loan during the building process, though interest is accrued only on the money that has been released to the builder. Interest rates for construction loans vary and many of the same financial requirements needed for traditional home loan approval will apply.

VA Construction Loans vs. Construction to Permanent VA Financing

One of the benefits of using a VA construction loan is that you will not be required to make any payments during the construction phase. Instead the builder is responsible for all fees and interest. Once the home is completed, the VA issues a certificate of completion, pays the builder and converts your loan into a regular mortgage.

Sounds great, right?

There was a time when VA construction loans were readily available, but thanks to many of the issues that tanked the U.S. housing market in recent years, a straight VA construction loan may be hard to find. If you find one, make sure you do your research before agreeing to any terms.

Currently, it is much easier to find lenders offering construction-to-permanent loans. In these cases, a construction loan is financed through a traditional or local lender. At the same time, a pre-approval letter for a VA loan is obtained with specific verbiage mentioning the intent to convert a construction loan to a permanent VA loan once the house is complete.

While this doesn’t guarantee you’ll get approved for a construction loan, it can make it a little easier. You will likely still be required to pay interest on the construction loan, and depending on your credit history and amount financed, you may be asked to provide a down payment.

VA Financing Special Requirements

Like a traditional construction loan, a VA lending institution will assign an inspector to your building project. The inspector is responsible for making sure each phase of construction is complete before money is issued for the next step of construction.

Also, in order to use the VA loan as part of the construction-to-permanent process, the builder must be registered with the VA and offer a minimum one-year warranty.

Just like a more traditional VA loan, there are limitations and restrictions. You must obtain a letter of eligibility from the VA before a lending institution can approve a VA loan. And a newly constructed home must still be inspected and appraised as part of the mortgage process. Deadlines and processes vary by state, so make sure you do your research ahead of time to avoid any surprises.

And don’t forget, there are caps on how much the VA will guarantee that vary by location. If you need a loan over that cap, you will be required to provide 25% of the difference between your loan amount and the cap as a down payment. But, even if you are buying over the VA cap, you’ll still enjoy the benefit of not having to pay PMI.

Have you financed your custom built home using a VA loan? What hurdles did you encounter?

How the Federal Hiring Freeze Impacts Military Families

03/17/2017 By Meg Flanagan

President Donald Trump instituted a federal hiring freeze in January. Now, military families are feeling the effects of this executive order.

How the Federal Hiring Freeze Impacts Military Families

Have you been impacted by the federal hiring freeze?

How the Federal Hiring Freeze Impacts Military Families and Veterans

Impact on Base Services

Recently, 2 memos from different Army child care facilities have been released. The Child Development Centers (CDC) at Fort Knox and the Army garrison in Wiesbaden, Germany, have ended some of their child care programs due to staffing shortages. Both documents specifically cited the federal hiring freeze, combined with typical staff illnesses and normal staff attrition, as the reason behind the program closures.

In other bases around the world, military families are also seeing reduced hours and programs at their CDCs. Families in Okinawa, Japan, were told that hourly care programs will be suspended due to the hiring freeze.

“The CDC has stopped the drop-in child care,” shared Madalyn Sandstrom. “So now I have to look to friends, and hope for the best. The wait list for some age groups for full-time child care at the closest CDC is one year!”

The hiring freeze is affecting the DoD’s ability to conduct business as usual, according to a recent statement released by MCCS Camp LeJeune-New River. This will affect hours of services at this particular base as well as MCCS LeJeune’s ability to hire new staff members. Camp LeJeune is one of the largest Marine Corps installations. This statement could indicate impacts at other Marine Corps’ installations, as well as similar services at other military bases.

Military Spouses Face Hiring Delays

Military spouses are seeing an impact on their job opportunities. BreAnn Constantineau has had to suspend her federal job search indefinitely.

“I had started searching just before the freeze so that I could time my application to try and start a job once my kids start school in fall,” Constantineau commented. “Now with the freeze, I’m stalled. I’m also really concerned that once it’s lifted, the sheer volume of applications is going to put a real drain on the HR departments, causing even more delays.”

Spouses that were already in the application and hiring process have also had complications.

“I applied for the substitute teacher position back in October,” said Veronica Johnessee. “(I) finally got the call for fingerprints and background check the first week of January. (I) went for my fingerprints and the next day I was supposed to get the background check link via email. Instead, the hiring freeze was on the news. So now I wait.”

Johnessee’s hiring delay also impacts the students and teachers in the DoD Education Activity (DoDEA). Teachers may lack coverage to take sick days or attend professional development sessions. This means that teachers at DoDEA schools may feel obligated to work while ill. Due to lack of coverage, some non-core content area classes may be rescheduled or canceled to fill grade level classroom needs.

Military treatment facilities are also feeling the crunch from the hiring freeze. Some medical facilities are unable to hire new staff. Danielle Olmsted was in the interview process for a nursing position at Camp Foster’s Naval Hospital, but her hiring has been put on hold.

“I had an interview and was told at the interview that they wanted to hire me as a nurse,” explained Olmsted. “I knew I would have to wait awhile, since it already takes months to get someone hired and start working. Now, who knows how long it will be? I feel as though I’m in limbo, and I know the hospital can use nurses!”

Impact on Veteran Hires

According to the Washington Post, veterans make up 31% of the total federal workforce. Veterans receive preference for government positions.

With the hiring freeze, federal agencies and departments will now be unable to fill open positions. This could leave many veterans waiting even longer. The federal hiring process can take weeks or months to finalize under normal operating conditions. This is due to extensive background checks and paperwork processing.

Exemptions for DoD Positions

There are some exemptions in place to allow for normal operation in certain DoD positions and departments. Military personnel should not be impacted and child care positions are also supposed to be out of bounds as well. Firefighters and first responders, as well as intelligence personnel and positions having a direct impact on military missions, are also exempt.

However, there is not an exemption in place to hire people into the human resources department of the DoD. This could impact the speed of the hiring process for exempted positions and departments. As noted above, this could create backlogs for those who have already received job offers.

Have you been impacted by the federal hiring freeze? Tell us your story in the comments section.

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