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Commissaries Put High Priority on Health and Safety of Its Patrons

06/17/2019 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:         48-19                                                                                                                        

Date:                              June 13, 2019

Media Contact:             Kevin L. Robinson, public affairs specialist

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

E-mail:                           kevin.robinson@deca.mil

‘We just have higher standards’

Former director: Commissaries put high priority

on health and safety of its patrons

By Kevin L. Robinson,

DeCA public affairs specialist

FORT LEE, Va. – When it comes to public health and safety in military commissaries, the Department of Defense has unique standards to match the stores’ special patronage – the men and women serving in uniform and their families.

It’s those standards that set commissaries apart from commercial grocers, said Army Col. Alisa R. Wilma, the Defense Commissary Agency’s former director of public health and safety.

Since June 1, Wilma has assumed her new assignment as the deputy commander for DOD’s Regional Health Command-Central at Joint Base San Antonio-Fort Sam Houston, Texas. Army Lt. Col. Angela M. Parham, former command veterinarian for the United States Army Central Command (USARCENT) headquarters, reports to DeCA June 21 as the new director of public health and safety.

Days before she left DeCA, Wilma spoke about her nearly three years at the commissary agency.

“Shortly after I arrived at DeCA in 2016 we had a hurricane [Matthew] and a commissary in Florida lost electricity,” she recalled. “We didn’t have a solid time as to how long its freezers had been out of power; so, we didn’t have good data on how long the products inside the freezer had been out of temperature. Now if it’s under four hours, we’re good, and can drive on. If it’s over four hours we cannot [sell that product].

“Since we didn’t have definitive data, we threw the product out. I cannot guarantee that an outside grocer would have made the same decision. And yes that’s government dollars, but we made that decision in the pursuit of patron safety. We just have higher standards.”

Supporting an operation with nearly 240 commissaries in 13 nations that serves more than 5 million military households can be a daunting task, one that DeCA’s public health and safety embraces heartily, Wilma said.

“If we do everything right, no one gets sick; no one gets hurt,” she said about the health and safety mission. “I’d like to think I’ve taken my team – people who are incredibly talented and hard-working – and communicated their value to this agency, so that our stores know we are here to help.”

DeCA’s food safety mission ensures that all edible products destined for commissary shelves are inspected by military veterinarians once it arrives at the store, checking products to ensure that they’ve arrived from the documented place of origin within the right temperature and free of any pests or signs of foodborne diseases.

The agency’s occupational health and safety responsibilities are just as challenging when you consider agency specialists are charged with tracking U.S. federal requirements along with those governing the local national employees in the country where the store operates.

Much of what public health and safety does involves preventing an issue of food safety before it occurs or eliminating potential dangers in the commissary that could harm patrons and employees alike, said Rogers E. Campbell, executive director of DeCA’s Store Operations Group.

“Col. Wilma has done a fine job leading a talented team of professionals whose daily mission is to help protect our products and keep our stores safe places in which to shop and work,” Campbell said. “It’s through her efforts that our operators continue to value the effectiveness of the public health and safety mission.”

Wilma reported to DeCA Sept. 19, 2016,from Fort Benning, Georgia, where she served as commander of the 463rd Medical Detachment (Veterinary Service Support).

            Throughout her career, she’s served at varied places such as Fort Dix, New Jersey; Camp Darby, Italy and Fort Sam Houston, Texas.

Wilma has also served overseas in various assignments such as the command veterinarian for the Area Support Group-Kuwait at Camp Arifjan Kuwait, where she supervised all clinical and preventive veterinary services throughout Kuwait, Bahrain, Saudi Arabia, Egypt, United Arab Emirates and Oman (2010 to 2012);  and the U.S. Army Africa/Southern European Task Force, where she planned veterinary missions throughout Africa and supported the command’s food safety and preventive medicine mission (2012 to 2014).

From August 2014 to August 2016, while commander of the 463rd Medical Detachment, she deployed teams to Liberia in support of Operation United Assistance as part of the Ebola relief effort and to Kosovo as part of NATO’s international peacekeeping force. In July 2015, she also deployed the 463rd to Kuwait in support of Operation Spartan Shield, Operation Inherent Resolve and Operation Enduring Freedom. During this deployment members of her unit further deployed to Qatar, Jordan, Iraq and Afghanistan.

            “I’m going to miss this place,” Wilma said of DeCA. “I think the next three to five years are going to be absolutely fascinating to see how the commissary continues to evolve to make certain that our service members, our retirees and their families have the benefit they rely on. Preserving this benefit is critical, I think. There are a million ways to preserve it, and we have great leadership that is exploring every avenue for doing so.

“As for the public health and safety mission, I know my team is going to carry this mission forward,” she said. “I have great confidence in my successor, [Lt.] Col Parham. She is going to be a fantastic fit for this agency. She has great experience in both food safety and the science behind epidemiology that will translate wonderfully in our occupational safety. And the backbone, our team members, will help our stores deliver a commissary benefit that’s as healthy and safe as possible.”

-DeCA-

On The Road Again!

06/17/2019 By Military Life Administrator

It’s hard to believe three years have gone by so fast! As I rummage through closets full of clothes and mountains of toys, I have my garbage bags handy as I decide to toss or keep the plethora of items we’ve accumulated over the years.

The joys of PCS-sing; we either hate or love it! On the one hand, we get to move to a new place which marks an exciting new chapter and few years ahead. But, on the other, there is no escaping the dreaded moving day, when your home no longer looks like yours, but instead, resembles a ransacked warehouse!

Photo Credit: ©Africa Studio /Adobe Stock

But as I reflect on my time here at JBSA, it also marks an important milestone for me as a writer. It has been three years since I’ve written and published my, Reclamation series (Books 1, 2, and 3). I also recall vividly asking myself if I was crazy – why would I even think about publishing a book? Why would anyone read it? Why should I waste time on something that might flop, risking embarrassment?

There were many other crippling thoughts that came at me, like bullets down a range, but I quickly dismissed them and decided to look at the, what if’s? What if I write this book and it turns out to be a best seller? What if, I discover that I really love writing and decide to do it full time? And, what if I wrote fulltime generating revenue, adding to my family’s income?

I decided to go with my gut feeling and published my novel series; it was one of the best decisions I’ve made. Though I haven’t made it on the best seller’s list, as yet, today I’m a published author with several books in the making.

A few take-aways from this story: cease every opportunity for growth, and never underestimate what you’re capable of accomplishing. Always explore opportunities that can turn into streams of income – you never know if your ideas or talent could help others, and better yet, why not make money while spreading your knowledge – it’s a win-win situation for all!

Thanks so much for reading, until next time!

Lei Faircloth

Lei Faircloth writes fiction under the penname: Sophie L. Osborne. To learn more about her, visit: https://www.sophielosborne.com/

The Commissary Comes to You – On-Site Sales for Guard and Reserve Patrons

06/13/2019 By Military Life Administrator

By Marguerite Cleveland

     For more than 10 years the Defense Commissary Agency has brought the Commissary to National Guard and Reserve units through its On-Site Sale program.  The slogan of the program is “Bringing the benefit to you”.

     “For the past decade these sales have provided the commissary benefit to those who have earned it, but don’t live or work near a commissary, and its legacy is impressive to say the least,” said Willie Watkins, DeCA’s chief of e-business. According to Watkins, the program has held more than 930 sales events, served over 430,700 customers while saving them more than $18 million.

Grand Forks on-site — Christy Earl store assoc checks CPT Brett Nelson ID as SFC John Lindstrom looks on. Photo courtesy of Defense Commissary Agency via flickr

     The sales take place all over the country and the agency is always open to bring the program to other locations. Here are some important details to remember:

  • Sales are cooperative efforts between sponsoring Guard and Reserve units, and commissary store directors who together determine sale locations and dates. A contingent at DeCA Headquarters gives guidance and oversees the process
  • Sales average two or three days and are open to all authorized commissary shoppers
  • Sales feature a wide variety of commissary products largely determined by shopper preferences at each location
  • Customers shop and pay for purchases much like they would at a commissary. There are also preorder and prepay sales – where customers order their groceries on-line and pay for them prior to pick-up at the designated location – and hybrid sales that are a combination of conventional and preorder/prepay
  • Sales are easy to find. DeCA’s website has a Guard/Reserve page that lists sales locations and dates along with contacts for more information on particular events

     There are a number of locations that have military Exchange services but no commissaries. DeCA is looking into the possibilities of partnering with them. The exchanges could serve as sales locations or pick-up locations.

Here are the dates of sales to the end the fiscal year.

July

Grand Forks – July 12, 2019 at Camp Grafton 4417 Hwy. 20, Devil’s Lake ND 58301

Robins AFB – July 18-20, 2019 at 1901 Terrell Mill Rd SE, Suite 200, Marietta, GA 30067

August

Malmstrom AFB – August 30-31, 2019 at PO Box 4789 HAFRC 1956 Mt Majo St  Fort Harrison, Montana  59636

Robins AFB – August 15-17, 2019 at 1901 Terrell Mill Rd SE, Suite 200, Marietta, GA 30067

September

Grand Forks – September 7, 2019 Fargo, ND location TBD

Robins AFB – September 19-21, 2019 at 1901 Terrell Mill Rd SE, Suite 200, Marietta, GA 30067

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

Virtual Jobs for Military Spouses

06/11/2019 By Military Life Administrator

By Marguerite Cleveland

     Employment continues to be a challenge for military spouses as constant moves wreak havoc with many a civilian career. So what is a milspouse to do? Consider Virtual Employment which can mean running your own online business or working online from home for another company. Here are some options.

Photo Credit: ©Flamingo Images /Adobe Stock
  • Amazon – Offers a variety of virtual jobs from customer service to jobs with or without a degree. Visit their webpage for information specific to the military.
  • Hilton – The Company offers a great work from home opportunity as a sales and reservation clerk. This is a job you can take with you once you move. It is relatively easy to learn with online training and in addition to hourly pay, full benefits including a 401(K) retirement plan with company match and what military family doesn’t love travel benefits.
  • Humana – Humana has many opportunities for telecommuting. In addition to customer service opportunities did you know you can telecommute as a nurse? The Telephonic Utilization Pre-Service RN conducts a variety of patient management services and coordination over the phone or online.
  • Flexjobs – This is a paid service which offers job listings. You can search for remote and virtual jobs and it lists a variety of fields with jobs available. There are quite a few job listings. It may be worth a one month membership to look at what is available or to get some ideas for job hunting.
  • Direct Sales – Many spouses turn to direct sales as an option for employment. If you are good at sales this could be a good fit for you. A few keys to success. Only represent a company which is a member of the Direct Selling Association which provides consumer protection for independent sales. Pick a product that you love and feel comfortable representing. Your best opportunity to be successful is to pick a company that does not have many representatives in your area. For example I can list at least 10 people I know who sell Rodan and Fields. You should really evaluate you comfort level selling to your friends and family and then branching out to people you don’t know. The average consultant makes about $200 a month which can be a nice supplement but is nowhere near full time employment.

     These are just a few options. Always make sure you are dealing with a reputable company when pursuing virtual or telecommuting job opportunities. If someone is asking for money upfront that can be a red flag.

     Have you ever held a work from home job? Comment below on your experiences.

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

Make the Most of Fresh Produce

06/10/2019 By Meg Flanagan

I’m a chronic over-buyer of produce. When walking the aisles of the grocery store or browsing the farmer’s market, the fresh veggies and ultra-ripe fruits practically beg me to add them to my basket. I can almost taste the amazing meals and snacks I could enjoy – if only I would buy the produce.

And so I give in. I buy all the fruits and veggies.

Make the Most of Fresh Produce

However, once we get home, I hit a snag. Inevitably, I’ve bought more than we can possibly eat – even with two very hungry kids, a Marine and an avid runner at home. Every single week, something goes to waste. This bothers me immensely.

As part of my big quest to be more eco-friendly, on a military budget, I’ve found tons of ways to make the most of fresh produce!

Eat Veggies at Every Meal

So, you’ve arrived home with all the veggies. Only, now, you’re not quite sure what to do with all of them. Great news: veggies are versatile and super easy to switch up into different meals.

Here are some of my favorite veggies + all the different ways I like to eat them to minimize waste.

  • Avocado: mashed into guacamole or as a spread, straight from the peel, cubed for salads, tacos or sandwiches, smoothies
  • Carrots: raw for dips and salads, steamed, baked into “fries,” baked with brown sugar and nuts, added to soups
  • Asparagus: steamed, baked, grilled, chopped raw for salads, use leftovers as pizza toppings, mixed into pasta, added to soups
  • Spinach: salad, sandwich toppings, sautéed, steamed or added to soups, smoothies
  • Fennel: thin sliced and caramelized, used as a base for blended soups, sliced and grilled, sautéed, shaved raw for salads
  • Eggplant: grilled, baked, made into baba ganoush, seasoned and baked, added to lasagna, added to soups
  • Green Beans: eaten raw, sautéed, steamed, grilled, baked, added to soups, added to quiche, added to salads
  • Zucchini: eaten raw, added to lasagna, in pasta dishes, sautéed, steamed, grilled, baked, added to salads, as part of a vegetarian sandwich, baked into bread
  • Tomatoes: sliced raw with salt, for tomato soup, added to soups, added to salads, as a vegetarian sandwich, made into a sauce, added to pasta

What To Do With All Your Fruit

When peach season hits, I’m a full on sucker. Ditto for berry season and apple season. Again, what to do with all that beautiful fruit though?

Here are my favorite, sometimes surprising, ways I like to use all my sweet treats!

  • Salads: add berries, pomegranates, apples, pears
  • Sandwiches: thinly sliced apples or pears, chopped grapes, caramelized peaches or apricots
  • Appetizers: add melon balls, sliced applies, firm stone fruit, grapes and berries to a meat, cheese and bread platter
  • Salsa: mango, pineapple, peach
  • Grilled: peaches and other stone fruit, pineapple, mangoes
  • Dessert: blended into smoothie popsicles, in a pie, cake toppings, in sweet quick bread, with shortcake and whipped cream, drizzled with honey, with ice cream or even just plain

Another great way to use up fruits, and veggies, is in a yummy smoothie! Add a few of your favorite fruits – bananas, stone fruits, pineapple and berries work well. Then, splash in your liquid of choice, like milk, water, coconut water or fruit juice. If you’re trying to boost the health value, consider adding leafy greens, avocado or other veggies. To make it cold, add some ice. Blend and enjoy!

Learn How to Freeze Produce

When you can’t quite use it all up before your produce spoils, turn to your freezer!

With a little bit of work, you can freeze pretty much any type of produce. When freezing, you’re going to want to use freezer-safe storage options, like zipper-locking bags or reusable containers. Fill your container or bag to the top and remove as much air as possible. Remember to date your frozen produce!

Photo Credit: ©Clickmanis /Adobe Stock

Here’s my cheat sheet:

  • Fruit: slice up bananas, pineapple, stone fruit; leave berries loose; place in a single layer on a wax paper lined cookie sheet; freeze until firm then transfer into a container
  • Apples & Pears: slice and then dip into a lemon/water mix – 1qt water _ 1tbs lemon juice; dry then freeze
  • Most Veggies: blanch or quickly drop into boiling water before transferring to ice cold water
  • Tomato Sauce: cook according to the recipe, cool and then freeze
  • Soup: cook according to the recipe, cool and then freeze
  • Lasagna: cook according to the recipe, cool and then freeze

Make Friends with Meal Planning & Prepping

One easy way to make the most of your produce is to make a plan and stick to it when you shop. When I over-buy, it’s because I fell victim to impulse purchases.

Once I realized this pattern, I committed to meal planning. Every week, I map out exactly what we’ll be eating. I check the pantry and freezer for staples. Then, I make my shopping list – breaking down exactly how much of each ingredient I’ll need for every recipe.

Use Up Leftovers

Even with careful prepping and planning, I end up with leftovers. It’s either full-on leftover meals or cooked ingredients, like baked potatoes or chopped carrots.

For full meals, I’ll divvy them up into lunches or freeze them for reheating later.

Those individually cooked veggies can be added to pasta, soups, sauces, quiche, salads. My kids love using leftover potatoes as hash browns or as filler for a pot pie!

How do you make the most of your fresh produce? We’d love to check out your recipes or tips!

Seek Sanity on an Epic Girls’ Getaway Weekend Adventure!

06/05/2019 By Meg Flanagan

Vacations are meant to be relaxing, right? But when you’re chasing down small children or running around to tons of “must see” attractions, trips can turn into giant stress-fests.

It’s important to take a moment, or a few amazing days, away from the stress of the every day. Which is why girls’ (or guys’) weekends are perfect!

Seek Sanity on an Epic Girls’ Getaway Weekend Adventure!

We’ve scoured the country to find cool getaway destinations, near military duty stations, that pack lots of relaxation, fun and adventure into just a few days. Get ready for an epic girls’ weekend getaway that will restore your sanity!

You can find a relaxing place to lay your head when you join the Military Shoppers Travel & Rewards Club! We found all these hotels using a sample search for two adults in late June.

Photo Credit: ©jayyuan /Adobe Stock

Santa Barbara, CA

Located north of LA (and within driving distance from major military hub San Diego), Santa Barbara is the epitome of classy California beach town. It’s a cool mix of eclectic artsy charm and dressed up elegance.

Getting There:

  • By Car: located conveniently along the California coast, take the 5/101 from location south or just the 101 from locations north.
  • By Train: take the Pacific Surfliner from LA and points south or the Coast Starlight from LA to Seattle; both routes hug the coast and are operated by Amtrak. There’s even a stop right in downtown Santa Barbara!
  • By Plane: fly into Santa Barbara Municipal Airport (SBA), just 8 miles away from downtown. You’ll need to connect through one of the major US hubs, like San Diego or LAX.

Where To Stay:

  • Hilton Santa Barbara Beachfront: just steps from the beach, you’ll love this recently renovated hotel for a relaxing weekend getaway!
  • Kimpton Canary Santa Barbara: this city-center luxury hotel combines California casual with old world charm.
  • La Quinta by Wyndham Santa Barbara: a laid back budget-friendly hotel, steps from all the major attractions.

These three hotels are just some of the many hotels, motels, B&Bs and inns available in Santa Barbara and the surrounding region. Many feature pools, spas and other luxury amenities.

What To Do:

  • Go Wine Tasting: there are many boutique tasting rooms scattered throughout downtown Santa Barbara, many within walking distance from each other. Or hop on a chauffeured tasting tour beyond the city.
  • Stroll through Culture: whether you’re enjoying the art museums or soaking up the history of the mission, Santa Barbara is full of incredible experiences, exhibits and locations brimming with adventure!
  • Spa the Day Away: spend some quality quiet time at a luxury spa in Santa Barbara! From salt treatments to mud baths, you’re sure to find something that will complete relax you.
  • Beach Day: set up camp on the beach for the day! Head directly to the Santa Barbara beaches or find a hidden spot farther along the coastline.

Charlottesville, VA

In the cradle of the Blue Ridge Mountains, Charlottesville is a mecca for history buffs, scholars and adventurers!

Getting There:

  • By Car: Rts 64 and 29 meet in Charlottesville! And it’s just a 2 hours drive west from DC.
  • By Train: hop an Amtrak train for a direct connection through DC or NYC.
  • By Plane: fly into Dulles or Reagan, then head west via car, bus or train
  • By Bus: there are many bus routes that connect through DC and NYC with direct routes to Charlottesville.

Where To Stay:

  • Holiday Inn Charlottesville Monticello: these comfy rooms feature a mini-fridge and a small kitchen-like area, which makes this a great base camp for your adventures!
  • Omni Charlottesville: stay in luxury just steps from the center of the action, with two pools and a spa!
  • Dinsmore House: experience a unique B&B in midtown, with beautiful rooms and stunning grounds.

There are tons of great places to stay in and around Charlottesville, including AirBnBs and quaint inns!

What To Do:

  • Presidential Homes: visit Monticello, Montpelier and Highlands – homes of Jefferson, Madison and Monroe respectively – are close by to Charlottesville!
  • Take a Hike: hit the rocky trails through Shenandoah National Park to be awed by the beauty of the mountains and valleys of Virginia.
  • Quaff Local Beverages: Charlottesville is a hub for wineries, breweries and cideries (aka place that make hard cider). Take a tour with a DD or pick 1-2 places to picnic and enjoy the whole day!

New Orleans, LA

Are you ready to party? Then NOLA is the spot for your group! There’s always live music, a hopping club and yummy food in the pretty streets of the French Quarter.

Getting There:

  • By Car: drive through the highways and byways of the US from your current location! Many places in the southeastern US are just a few hours from NOLA.
  • By Train: grab an Amtrak from most major cities and transportation hubs to New Orleans.
  • By Plane: fly into Louis Armstrong Airport (MSY)

Where To Stay:

  • Intercontinental New Orleans: this classically modern hotel brings lots of jazzy notes with a major dose of Southern charm and a rooftop pool!
  • DoubleTree by Hilton French Quarter: just steps from the heart of the French Quarter action, this pet friendly hotel is also close to yummy spots to grab a bit or a beverage.
  • The Cornstalk Hotel: indulge your luxurious side in a classic New Orleans home, updated with all the modern amenities and maybe a ghost or two in the bargain!

There are so many cute, quaint and effortlessly charming hotels in and around historic New Orleans!

What To Do:

  • All That Jazz: you’re in the heart of jazz, so head out for a night of music at a club or on most street corners, too.
  • Ghost Hunt: you can’t skip a ghost tour in the most haunted city in the US!
  • Grab a Drink: New Orleans is the home of many classic cocktails, from the hurricane to the Sazerac. Grab dinner, and a few of these locally-created drinks, with your friends.

Newport, RI

Gilded age mansions, fresh seafood and incredible uppercrust luxury are just the ticket for a fun girls’ weekend in Rhode Island!

Getting There:

  • By Car: Newport is an island, and off the beaten traffic corridors on 195, 95, and 395. Take Rt 24 to the island and follow the signs.
  • By Train: hop off Amtrak in Providence or Kingston, RI, then take a cab or limo to Newport.
  • By Plane: land in Providence at TF Green (PVD) – about 30 minutes away – or Boston’s Logan Airport (BOS) – about 60 minutes away.

Where To Stay:

  • Newport Harbor Hotel and Marina: stay right on the Brickwalk shopping area and the working waterfront in a Newport classic known for elegance and service.
  • Pelham Court Hotel: slip inside a historic home in the heart of Newport that offers multi-bedroom suites with luxurious details.
  • Hotel Viking: escape to the spa or just relax in your plush guest room, with a basket featuring gourmet treats!

Splash out on a high end luxury hotel or stay farther away from the heart of Newport at a more modestly priced (but still elegant) hotel.

What To Do:

  • Step Back in Time: Newport mansions are synonymous with Gilded Age elegance. Visit one, or all, of the beautifully preserved homes of the Astors, Vanderbilts or Belmonts.
  • Walk the Cliffs: stroll just below the beautiful mansions along the edge of rocky cliffs, with the crashing waves directly below the path. It’s a beautiful 3.5 mile walk or run – if you’re daring!
  • Gourmet Indulgences: with the incredible coastal location, Newport is the place to go for insanely fresh seafood. Try the famous chowder at 22 Bowen or grab clam cakes at Flo’s.

Where will you and your friends go for your next girls’ weekend getaway?

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

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