Author Archives: You Served Editorial Staff

An Update on some VA Loan Program Statistics

Veterans considering buying a home in the future often don’t realize all of the resources available for them. Believe us, we’ve worked with some 500,000 potential military homeowners since 2003.

Recap
Remember – The government has created amazing opportunities for those in the armed services community looking to build their future.

Most people who wait to purchase a home do this for financial reasons such as debt management, credit building, and saving for a down payment. Veterans should realize that if you qualify for a VA loan these steps aren’t necessary.

Stats
Out of the 24 million living veterans only 10 percent have used a VA loan but nearly all qualify, according to statistics reports from 2009. Nearly 80 percent of all those eligible for the program wouldn’t qualify for conventional loans.

The loan program is designed to meet the unique financial needs of veterans, and is practically identical to regular home loans, except with more benefits. VA loans allow veterans to purchase a home with no down payment, flexible rates of interest, and lower monthly payments.

You can go to the Department of Veterans Affairs to see the list of requirements, benefits, and application form. There are three different types of VA loans: for active duty members, for members who haven’t served on active duty, and for spouses of veterans who died as a result of active service. You can apply for a VA loan from any lender, but before you start this process you’ll need to fill out a VA Form 26-880 Certificate of Eligibility request. There is also a list of frequently asked questions about this loan program.
Insurance

Many companies offer flexible rates for home insurance, and you can save yourself hundreds of dollars, since through a VA loan you won’t have to deal with private mortgage insurance.

Understanding Military Retirement Benefits

From the state of Social Security to the health care bill, the retirement age of men and women of America is on the minds of our representatives in Washington, D.C. However, one section of our government, the military branch (that’s YOU), has the option to take advantage of unique retirement plan benefits.  The programs are designed to take care of the men and women in service with offers of a pension, benefits, and starts the day you retire – regardless of age.

We thought we’d do a short overview of these programs for the You Served readers and provide some links to their services below.

Depending when you entered the military, you may qualify for one of three different retirement systems. If you entered prior to September 1980 you are eligible for Final Play. After September 1980 to August 1986, you are eligible for High 36. After August 1986, you are eligible for High 36 or Career Status Bonus/REDUX. If you do not let the military know your choice upon retirement you will automatically receive High 36.

The plans are similar because after 20 years of service in the military you will be eligible for a pension based on percentage of your basic pay. If you stay for 40 years, you will be eligible for 100 percent of your basic pay. The difference under each plan is based on cost of living, multiplier, and career status bonus.

Under multiplier, you receive a percentage of base pay for each year of service. For cost of living, each year the pension will adjust based on the Consumer Price Index. The career status bonus, under the CSB/REDUX plan, you decide in your 15th year of service to either take a $30K bonus and a 40% pension, or you take High 36 with no bonus – higher pension.

There are sites online with retired pay calculators to help understand the amount of your pension. For military men and women, deciding on a retirement plan is a huge decision, but at least they may rest assured that their service can lead to a comfortable retirement.

Learn more about the programs here:
DFAS

Secretary of Defense

Journey to Wellness

Editorial Note:

This past weekend a retired Desert Storm Combat Veteran and Chaplain wrote in with a heartfelt outpouring. Thomas, not his real name, recently sought assistance with combat related stress and anger issues from the Veterans Administration Hospital System.

Thomas’s tale of his family being torn apart due in part to stubbornness is all too common but very dire in its call to Vets in similar places and situations.

Below is the email he sent in.

I am writing this article for all my fellow Veterans. As the person going through this difficult task, I feel I am obligated to share this with my fellow Veterans. Some may read and think this article is written out of weakness. That’s a mood point, because this article deals with real life issues and the help available from the VA. This article is written on behalf of all our faithful Veterans. Especially, to those who have served our nation in wartime. The piece is written to make aware what help our Veterans Administration Hospitals truly provide in area’s of Post Traumatic Stress and combat related counseling.

I personally have always been a skeptic when it came to dealing with the Veterans Administration Hospital System. Even though I have utilized their medical care throughout the years.

A recent crisis struck home and I came to fruition that the VA does really care and wants to help. They are professionals and understand Veterans issues. They are experts in fields of combat stress and anger-management issues caused by combat related problems. They are there for the support concerning all counseling issues. Even those that might have existed prior to joining the military or had been enhanced due to a combat related experience. The VA system is prepared to meet the needs and concerns when it comes to counseling and supporting those that have experienced trauma due to their combat military service.

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Guest Post: Day at the Beach [Part 8]

Rickety Boat by Todd Huffman

We recently opened YouServed.com for contributions from all Military members and Veterans. SGT Hovertank, a nine-year Army Reserve Veteran and now a VA Mortgage Center.com Loan Officer, is our first taker.

This final installment concludes “Day at the Beach,” a retelling of SGT Hovertank’s various first-hand stories and observations from GTMO. Read parts 1, 2, 3, 4, 5, 6, & 7 of the series.

This week: Fun and mishap off the Cuban coast during R & R

Sometime in early March we finally got a holiday. We still didn’t have appropriate manpower, but at that point the military element cell had gone 36 days without a day off and I suspect LTC Buckhammer feared a mutiny. It ended up being a half day; we got off at about noon on a gorgeous Sunday. Although we had reserved a boat well in advance, because we didn’t arrive until afternoon all of the best crafts had already been taken and there was only one option remaining. We went ahead and checked out our ride before our skipper got there.

We had decided at the last minute to include a PFC that none of us really knew because he was licensed to operate the vessel and swore he was an experienced boater. Our cumulative experience with water craft was limited to me and Danny drinking and jug-fishing. The attendant at the marina was a rather high looking Jamaican in flip-flops. He wore cut-off jean shorts and a fishnet muscle shirt. The multi colored stocking cap perched on his pile of dread-locks did nothing to dissuade our confidence in his expertise while he briefed us on the boat. When we told him we were still waiting for our skipper he just shrugged at the tardiness and explained that “da puumpa ‘as been a litteel tricky, boot nut ‘tin to fear mahn.”

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BlogWorld Expo 2010 Miltrack Keynote: Opening Remarks, General David Petraeus

BlogWorld Expo 2010 Miltrack Keynote: Opening Remarks, General David Petraeus from You Served Radio & Blog on Vimeo.

Here’s the video to the Opening Remarks by General David Petraeus to the Miltrack at BlogWorld Expo 2010.

After this video shows in Vegas at BlogWorld, you can watch the discussion from panelists and the question and answer session with the audience on the topics raised on our livestream channel.

BlogWorld Expo 2010

Troy, your intrepid YouServed.com blogger, has survived another BlogWorld Expo in Las Vegas, NV.

Troy is still posting audio and video from the blogging expo. There may even be photos and more blog posts. He’s also gave much tweet.

The Military portion of BlogWorld Expo happened on Thursday, October 14, and was free to active military members, veterans and their immediate family.

If you’ve missed year’s BWE Military Track it’s OK because we’ve recorded the panels.

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Guest Post: Day at the Beach [Part 7]

Blue Iguana by by ^riza^

Cuban Hutia by Silvain de Munck

We recently opened YouServed.com for contributions from all Military members and Veterans. SGT Hovertank, a nine-year Army Reserve Veteran and now a VA Mortgage Center.com Loan Officer, is our first taker.

Each week we post a new part of his article, “Day at the Beach,” recounting the Sergeant’s first-hand stories and observations from GTMO. Read parts 1, 2, 3, 4, 5, & 6 of the series.

This week: Aggressive Cuban wildlife

As far as duty assignments go, Guantanamo Bay was cherry. We learned from the FBI that you could rent boats and go fishing in the bay or up Guantanamo River. Kayaks and fiber glass john boats were also available. For those with the time and money you could also be certified for SCUBA diving. A shallow shelf about 300 yards south of the bay provided one of the finest diving destinations in the world. Probably the best part, however, was the island wildlife.

Guantanamo was home to a staggering population of the endangered Blue Iguana. Whoever is responsible for the endangered species list obviously never visited Cuba, because the nasty lizards were everywhere. A privilege of their protected status was a heavy fine for any soldier caught injuring or killing an iguana to include while driving stolen trucks. Ugly they may be, stupid they are not! Someone evidently tipped off the iguanas about being protected because they walked like they had an invisible force field. It was not uncommon for them to surround an indiscriminate picnicker and hold them hostage for french-fries. They are not classified as poisonous; but like a lot of their cold-blooded cousins they are scavengers and feed primarily on rotting flesh. Their saliva is toxic to humans and most other animals. I once witnessed a gang of them ambush an unsuspecting pigeon. The attack was so brutal it should have been narrated by Marlin Perkins.

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Basic Compassion Training (BCT) 102 – Intro to Empathy

By Claire

I have written a couple of articles now about some pretty incredulous things I have been asked or others have been asked about our loved ones when they were deployed. Someone suggested that I write something helping people to understand exactly what to say, so I am setting out to do just that. However I want to do a primer before I do a “comment/retort” format like I did with the other posts. Bear with me. This will come in handy in lots of situations, but I think it’s particularly helpful when you are wanting to reach out and support a military family in the midst of great stress and strain.

In my past-life I had to study many models of human behavior as well as human relationships. When you study to be a therapist (or really even study to decide if you want to become a therapist) you have to learn many angles of effective communication. My favorite model for therapeutic communication has been the Empathy Scale model by therapists Carkuff and Truax. This model is complimentary to and part of the neo-Freudian movement and transanalytical therapeutic models.

Now, before you go ‘huh?’ and decide to not read any further, let me explain. This is going somewhere — it’s leading us to effective communication, trust me.

The Empathy Scale is based on the fact that little can ever be achieved in analytical therapy without a trusting relationship between client and therapist, and without the therapist knowing how to listen and knowing how to offer genuine feedback that is empathetic. People get enough sympathy in this world. Everyone feels sorry for someone at one point or another. Sympathy is often expressed as a form of pity. It is sometimes necessary to feel, but it is not sufficient to truly comfort a burdened heart.

While sympathy is sometimes necessary, any therapist worth her weight in salt will tell you that people don’t want someone to feel something “for” them. What we all crave and want is empathy. Empathy provides our human souls a richer and more personal connection with others. You can have sympathy for someone and never really understand (or try to for that matter) what they are really feeling or going through.

When you have empathy for another person you understand both the content of what they are telling you, and you feel on a personal level the emotion they are communicating. You do not feel for the person, but rather you feel with the person. You don’t walk a mile in their shoes, but rather you walk a mile hand in hand with them. When you have experienced empathy you know immediately the difference between that and when someone feels sympathy for you. The two are very distinguishable experiences.

Even though professionally I went on to do non-profit administration and social research, I had to spend some time in the therapeutic trenches. It is the nature of the social work profession for its members to experience direct client work for at least a season.

One of the most beautiful moments as a therapist is when you have a client who has shared a very painful and lonely experience, and at some point through the course of therapy you (the therapist) finally understand what she is feeling. When you communicate your insight to her you see her face light up like you’ve never seen before. Suddenly she knows she is no longer alone on her journey. This is often when healing begins.

Empathy is hard for the giver. It forces you to let your guard down, and it forces you to embrace a level of vulnerability. As humans we naturally brace against such feelings — not embrace them. It is not easy walking toward a black storm of pain, and voluntarily walking right in and experiencing the storm with another. It takes courage.

Being a Blue Star mom and knowing many Blue Star families, I can testify that when your son, daughter, husband, or wife enters the battlefield you are taken from the ranks of the “normal” experiences of life. You are thrust into a world that some of your non-military friends have a very hard time relating to. Actually you are thrust into a world that they sometimes abhor. You are suddenly the reminder to them of the evil that lurks in the streets of Afghanistan. You are the reminder that if your soldier was not there defending this Country voluntarily, then their son or daughter may have been forced to go.

More than once I have been engaged in a conversation with friends who ‘accidentally’ have said something like “Well it’s better that Johnny works at the gym since he doesn’t want to go to college. At least he’s not being sent to Iraq!” The couple of times this sentiment has slipped out they suddenly look at me, red faced, and I get ‘the look.’ You know what I’m talking about. The look that says “You poor dear! You poor woman!”

Sympathy sucks. I don’t want sympathy. I want them to know that although I am scared when my son deploys, that I am so intensely proud of him at the same time. I am not pitiful. I am painfully proud! They don’t get it, and I guess maybe I should pity them in return for not understanding — more so for their not wanting to understand.

You can practice empathy easy enough. Instead of trying to brace yourself or come up with specific answers for specific conversations, just relax and remember that sometimes the only thing you can say is “thank you for your sacrifice.” Sometimes you may be able to relate to a specific emotion, but remember that empathy is “feeling with” the other person. You can only gain it by listening and truly caring.

The next thing I will post are some responses that others have heard that meant a lot to them while their loved ones were deployed. I actually believe there is more material to work with on the positive side. There are so many wonderful military supporters in this Country who have risen to the occasion and have struck an empathetic chord with families. We always hear thank you from them… well I want to say “thank you!” back. The support is priceless.

Guest Post: Day at the Beach [Part 6]

FBI Emblem by cliff1066™

We recently opened YouServed.com for contributions from all Military members and Veterans. SGT Hovertank, a nine-year Army Reserve Veteran and now a VA Mortgage Center.com Loan Officer, is our first taker.

Each week we post a new part of his article, “Day at the Beach,” recounting the Sergeant’s first-hand stories and observations from GTMO. Read parts 1, 2, 3, 4, & 5 of the series.

This week: Detainee processing and an influx of intelligence agencies

To aggravate the situation in Guantanamo we had no computers. Everything was done in black ink on yellow legal pads. It was a nightmare. Each detainee was delivered to us with a dossier created by the MP’s in Afghanistan. All of the possessions they were captured with were placed in a zip-lock bag whose contents almost never matched the inventory sheet attached. Each folder included a couple of sheets with a biography that could have been written by an 8 year-old and a lock of the detainee’s hair for future DNA purposes. The new biographies generated by the in-processing sessions were added to each detainees file and we assigned each a priority for follow up interviews.

Our first brush with notoriety came early in the second week. SPC Marty Bear and I were handling the dossiers for that evening’s in coming delivery of detainees. It was well past midnight and Marty Bear was looking concerned, “Umm, you better look at this Hover.”

He had been thumbing through the pages of a daybook taken from a detainee and found what appeared to be chemical symbols and a schematic. Having barely completed Chemistry 110 in college myself and having only rudimentary knowledge of chemical weapons I still agreed we were looking at the symbols for some dangerous compounds. We immediately went to the phones and that particular detainee was never in processed at GTMO.

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A Brisk Fall Morning: Breast Cancer Awareness

By Claire

October is Breast Cancer Awareness Month. I have a very dear friend who is the wife to a wounded combat Veteran and the mother of three. Her mother had breast cancer at a young age, which means my friend is at high risk. She found a lump a year ago and is finally going for a biopsy next week. I asked her if I could share a note she wrote and sent to me about her mother and her own struggle right now and she agreed. There is so many things that modern medicine can do for women with breast cancer. Please don’t put off screening — and that goes for men too!

A Brisk Fall Morning…

Breast Cancer Awareness
By: Patti Katter
Wives in Bloom Magazine

A brisk fall morning, I found myself driving over to Genesis Hospital in Grand Blanc Michigan.  As I sipped on my pumpkin flavored coffee while driving, I had a feeling my moms biopsy would show that she had cancer… not sure why.  Just that gut feeling.

While driving, I watched in awe of the beautiful trees with flaming red and yellow leaves.  Finally, I arrived at the hospital, found a parking spot and headed over to the entrance.  My jacket was zipped up to my neck – it was chilly.  Walking into the hospital, I looked around at all of the pink ribbons tied through out the lobby.  It happened to be October, Breast Cancer Awareness Month.  I really didn’t know much about breast cancer.  I thought it was something older women had… I never really thought about it too much until this morning.

I went up to see my mom before her biopsy.  She laid in the hospital bed with an IV hooked up, she was pretty worried.  My siblings were at the hospital, along with my dad, our family friend Tina and her husband, Will who was an ordained minister.  We prayed over my mom before she was taken off into surgery.

My dad, brother, sister and I waited in the waiting room patiently in what seemed forever.  Finally, the doctor came out.  He told my dad to please sit down, that is when I knew…

“Please sit down, Mr. Gallion” The doctor said.

“Your wife has breast cancer, and it is big.”

The words of the doctor seemed to echo through my head.

My dad was teary eyed, which was hardest on me.  I consider myself to be a daddy’s girl.  I remember my dad saying, “why did this have to happen to your mom and not me? I am strong enough to handle something like this…”

I think the part that hurt me worse at that point is how bad my dad was hurting, and I couldn’t do anything about it.

Long story short, my mom was diagnosed with Stage 3 Breast Cancer.  She endured chemotherapy and radiation treatment.  During my moms treatment, I was amazed at how strong she was.  Never before had I thought my mom could actually go through something like the big, “C” word.  But, she did.  My mom has now been cancer free for more than 5 years.  She still has to go visit doctors to make sure the cancer has not come back in any way shape or form… but, let me say it again… my mom is cancer free!

The crazy thing about my mother is she has always had her yearly mammogram.  Her cancer went undiagnosed for almost 3 years before a new doctor went back through her old films and noted the cancer was indeed there.  It’s very important to be sure that you are going to a good doctor, and it’s very important to remember to do monthly breast exams on yourself.

Military Wives often think we are invincible, I know I am included in that statement.  In 2009, I was referred to a Breast Surgeon because of a swollen lymph node under my right arm.  I went to the breast surgeon, he said that we could do one of two things… 1. Biopsy (which he recommended) or 2. Wait to see if the lymph node grew at all.

I chose #3… put off the test to see if my problems would just disappear into thin air.  Option #3 was the wrong option.  Here it is 2010, time slipped away and I finally have scheduled myself with a breast surgeon to have a follow up.  I will be having a biopsy on my lymph node the first week of October.  I admit, I’m a little chicken… especially due to the fact that my mother had breast cancer.  However, I know that early detection is key.  Hopefully this enlarged lymph node is nothing to worry about… but, whatever happens I know the Lord will carry me through.

If you have any signs or symptoms of breast cancer, its better that you are checked out immediately.  Don’t be a chicken like I have been!

Many breast organizations such as the American Cancer Society, Susan G. Komen for the Cure, and American College of Obstetricians and Gynecologists recommend women keep the original guidelines that state women should do self breast exams and start mammograms at 40 years old.

Warning signs that you need to be checked by a doctor:
▪ Lump, hard knot or thickening
▪ Swelling, warmth, redness or darkening
▪ Change in the size or shape of the breast
▪ Dimpling or puckering of the skin
▪ Itchy, scaly sore or rash on the nipple
▪ Pulling in of your nipple or other parts of the breast
▪ Nipple discharge that starts suddenly
▪ New pain in one spot that doesn’t go away

For more information on Breast Cancer, visit Susan G. Koman.