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Archive for the ‘For Fun’ Category

The History of Guantanamo Bay Naval Base (Infographic)

Thursday, April 14th, 2011

The Guantanamo Bay (Gitmo) Naval Base has been around for much longer than a lot of people know, and it’s been used for much more than a detention camp.  Gitmo was actually established in 1898 when the United States took control of Cuba from Spain.  The graphic below shows the time line and history of the Guantanamo Bay Naval Base.  We hope you find it interesting!

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History of Guantanamo Bay
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Should Woman be allowed in Combat?

Monday, February 28th, 2011

There has been a long standing debate about whether or not women should be allowed to serve in combat units of the armed forces. A current poll online at www.world-news.com showed that 50.3% of participates voted “Yes, create a level playing field for all qualified service members”, while 45.6 said no, and 4.1 percent were unsure.  Recently a military advisory commission, consisting of current and retired military officers, has come together to recommend that the Pentagon do away with the policy that prohibits them from being allowed to do so; hence the pot is being stirred up again.

For many years woman have been allowed to serve the country, but more in support roles, such as medics, logistics, transportation, and etc. The policy stands that women are not allowed to be assigned to a unit “smaller than a brigade whose primary mission is direct combat on the ground”. Recently a panel met to put finishing touches on a report to recommend the elimination of this policy in order to create a level playing field for ALL service members. This change would be one of the biggest “social” changes since last year when changes were made to allow gay and lesbian members to serve openly and the change to permit women in the Navy to serve on submarines for the first time.

One of the main arguments for this policy change is that it prevents around 10 percent of woman in the Army and the Marine Corps from being able to participate in specialties, which in turn prevents them from promotions and advancement. Proponents see it only fair to allow women the same opportunity as their male counterparts. Another main argument is that these women are still considered a minority and the elimination of this policy would promote diversity. The report states, “The Armed Forces have not yet succeeded in developing leaders who are as diverse as the nation they serve. Minorities and women still lag behind white men in terms of number of military leadership positions.” Women currently make up about 14 percent of the military. Supporters argue the case that bringing minorities into leadership roles will help the units become more effective.

The main concern of the opponents of the policy change is that they do not believe that women have the strength and stamina to take on the hardship of combat. Men and women have to pass certain physical tests in training for the Armed Forces. They only have to meet a minimum standard. For example, 18 year old male needs to do a minimum of 42 pushups in two minutes, 71 sit-ups in two minutes, and run 2 miles in 15:54, but for an 18 year old woman the standards are lower. She has to do 28 pushups, 71 sit-ups, and run 2 miles in 18:54. This is one of the arguments used to show that women are physically different than men, and not as strong. The idea behind the physical training tests is that this is the MINIMUM strength and endurance any soldier needs to survive in combat. Is combat supposed to be easier for women than men? It should not be, so why are their standards lower?

Another argument is that this change will make cohesion in the units fall apart. This was one of the arguments on letting gays into the Armed Forces, as well. Many say that mixing men and women in a high stress environment will create more distraction, misconduct, an emotionally volatile environment, more physical injury, less discipline, lower standards, additional stress on instructors and recruits, and scandal. However, the new report coming out, states that there is little evidence to show that introducing women to the units breaks up cohesion. A study done by the Defense Department Advisory Committee on Women in the Services actually found that most participants in the study groups had a positive impact on mission accomplishment.

A final argument against the change is that Americans will not be able to stand watching the increasing numbers of women come home in body bags. There is quite a significant difference now in the number of losses between men and women. In the Iraq War as of January 3, 2011, only 110 women have been killed as compared to 4,300 men. In the Afghan campaign, 24 women have been killed, while over 1,400 men have been killed.

Women and men are different physically and psychologically. This is not necessarily a bad thing, but the fact is that there is a difference. There are many differences of opinion on this matter because of this reality. Some people believe that even though there are women who can beat a man in any strength or endurance test, that they are the exception, and not the rule, therefore women should not be allowed in combat. However, then there are those who argue that if women can handle childbirth they can handle any kind of combat. After all, women have been known to have a higher pain threshold.  Maybe the solution is to make all of the physical testing the same for each gender? Then the physical differences would become less of an issue.

Who knows if this policy will be changed or not, but many top defense leaders say that they do see a change coming someday. Defense Secretary, Robert Gates, said they he expects women to serve in special operations units, such as stealth missions. He also said that he believes they will eventually be allowed to work on special operations forces. The new report recommends that women we phased in, allowing women working in specialties already to be assigned immediately to a unit that requires their expertise. Regardless of what happens with this policy it is important to remember that women in the military make incredible contributions already, and will continue to do so.

The History of the Home Mortgage

Saturday, January 29th, 2011

The history of the home mortgage goes back to as early 1190 AD. English common law included a law that protected a creditor by giving him an interest in his debtor’s property. With this law, the creditor held the title to the property, but the debtor could sell the property to recover money in the event the debt was not paid.

When the pilgrims moved to America from England, they brought the system with them. Mortgages became widespread throughout America. Not everyone could afford a mortgage though. A mortgage usually required a fifty percent down payment for a five year mortgage. The terms were much less favorable to buyers than they are today and home ownership was limited to roughly forty percent of the population. At the time of the Great Depression, home buyers were typically asked to make a down payment of one-third of the sales price and loans were only extended for periods of five to ten years with interest rate reaching eight percent. The restrictive lending system ran into trouble during the depression and the whole system collapsed, with the number of property loans dropped from 5,778 in 1928 to just 864 in 1933. There were thousands of foreclosures and mortgages became unavailable.

In an effort to prevent foreclosures, President Franklin D. Roosevelt pushed for the passage of the Home Owners’ Loan Act in 1933. This Bill established the creation of the Home Owners’ Loan Corporation, which made loans to those in danger of losing their homes. The lending terms were much more generous, as loan amounts of up to eighty percent of a home’s value were made and the interest rate was five percent. Also, borrowers could borrow money for up to twenty five years.

The Home Owners’ Loan Corporation became very popular, with nearly forty percent of all buyers applying for the new loans. Because all of the applicants could not be selected, President Roosevelt established the Federal Housing Administration in 1934. The newly established FHA loans were guaranteed by the government. The FHA extended mortgages to thirty years to make purchasing a home more affordable. The FHA loans prompted the creation of the Federal National Mortgage Association, also known as Fannie Mae, in 1938 to make even more money available for home buyers.  Fannie Mae bought FHA insured loans and sold them as securities on the financial markets. Fannie Maw also created laws and regulations that lenders had to follow.

World War II shifted the mortgage environment once again. The Servicemen’s Readjustment Act, more commonly called the GI Bill of Rights, was passed by Congress in 1944. Harry W. Colmery, a World War I Veteran, wrote the first draft of the G.I. Bill. The G.I. Bill provided college or vocational education for returning World War II veterans, one year compensation for out of work veterans and also provided different loan types to Veterans to buy homes or start business. The G.I. bill provided low interest, zero down payment home loans for serviceman. The GI bill allowed millions of families to purchase their first homes and moved many families out of urban apartments and into suburban homes. It increased demand for mortgages.

In 1970, U.S. Congress chartered the Federal Home Loan Mortgage Corporation, better known as Freddie Mac, to increase the supply of mortgage funds available to commercial banks, savings and loan institutions, credit unions and other mortgage lenders, thus making more funds available to more Americans.

The mortgage industry continues to change and adjust with time. It will be interesting to see what changes will happen in the future of home mortgages.

WWII Aircraft Pin Ups and Nose Art

Tuesday, November 16th, 2010

The term pin up girl was first used in the early 1940’s and during WWII the armed forces allowed the noses of airplanes to be decorated with nose art.  Pin ups quickly become one of the standards among common nose art styles.  There are four main cultures of nose art including: Pin ups, Comic Strips, Hollywood, and Disney art pieces.  We hope you enjoy the image below and please feel free to share it with your friends.

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WWII Aircraft Pin Ups and Nose Art

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Honoring Our Military Today (Veterans Day 2010)

Thursday, November 11th, 2010

Honoring the Troops

On the Home Front: Easy Ways to Support Military Spouses

Monday, August 30th, 2010

We all agree that protecting our troops and their families on the home front is of paramount importance. But while alarm systems and locks protect their physical well-being, let’s not neglect protecting the hearts and spirits of the heroes at home, as well.

Here are some ideas anyone can use to support military families.

Get your church involved
Churches (or other community groups) are in a perfect position to minister to families of deployed service members. Here are just a few ways to provide reinforcements:

Send reverse care packages. Send care packages to the deployed members, and “reverse” care packages to the families on the home front. If possible, find out through email from the deployed spouse what he’d like his/her spouse and children at home to have for special holidays such as Mother’s/Father’s Day, Valentine’s Day, Military Spouse Appreciation Day (May 7), birthdays, Christmas, etc. These are all days when a spouse and parent’s absence is felt the most keenly. Then make sure the family gets these items on the special days. If the deployed member can’t be reached, deliver a gift card to Starbucks or a local spa, movie tickets or something else you know the family would enjoy.

Offer a Military Night Out. Once a month, offer a Military Night Out where the church provides dinner and child care for children of the military member. The parents can go have a date night together, or if the spouse is deployed, the spouse at home can get a break from the kids and do errands, get together with friends or just have some time to herself.

Organize a returning veterans fellowship. When the deployments end, those coming home from combat need to be in fellowship with others who understand the special adjustment issues they will be facing. Often the military member doesn’t want to share all the details of combat with the spouse to protect her from those images. Organize a simple gathering for veterans to benefit from being with others who understand exactly what they’re going through.

Honor the troops. Watch the calendar and honor the troops around Memorial Day, Independence Day, and Veteran’s Day with special breakfasts for them or at least a mention from the pulpit. Show military members and their families (veterans included) that they are special.

Take personal initiative
No time to get a group together for an organized military ministry? No problem. Choose from this arsenal of ideas to personally support the military spouse at home.

Create some coupons. Instead of simply telling a military spouse you’re willing to help, give him/her some specific ideas of what you can offer. Either give a list of your services or create a coupon booklet for free babysitting, a coffee date, financial counseling, running errands, an hour or two of housework, etc. It’s much easier for military spouses to cash in on your offer to help if she knows exactly what you can do for her.

Surprise her. Make an ordinary day special by dropping off a basket of favorite foods, a great book, or new magazine and/or a movie rental you know the military spouse or kids have been wanting to see.

Fix what’s broken. Find out what’s broken and fix it—or help tide the family over until a professional can make the repair. If her computer is down, let him/her use yours to email her spouse. If the car stopped running, offer to give (or arrange) rides.

Get your hands dirty. For every season, there are jobs to be done outside. Pitch in when you can to mow the lawn, pull weeds, clean out gutters, shovel snow, or wash windows.

Bring a meal. Providing a ready-to-eat (or ready-to-cook) dinner means one less thing an already stressed military spouse would have to think about. If you don’t have time for a full dinner, a homemade loaf of bread, muffins, or cookies would still be great.

Make a call. Every so often, make a quick phone call to see how the family is getting along. Keep it brief, and leave a message if there’s no answer. Let them know you are there to support them.

Be there. Visiting is a great mood lifter, but ask first before showing up unannounced.

Be consistent. Mark your calendars to send a small note or email or phone call on a regular basis—not just right after the spouse deploys. And don’t expect a response each time. Support that spouse regardless of if she thanks you for every thoughtful gesture of yours.

Pray. Pray for the one serving our country overseas, but also pray for those serving at home—the spouse and children. Pray for the entire family even after the spouse returns home, too! That re-entry adjustment period is often just as stressful as deployment.

Supporting the spouse on the home front allows him/her to support the deployed spouse and children in a way that only she can. And knowing that his family is supported back home will allow the deployed spouse to better focus on his mission. When you minister to the military spouses and children, you are supporting the troops as well.

***

Jocelyn Green, a former military wife, is the award-winning author of Faith Deployed: Daily Encouragement for Military Wives [J1] (Moody Publishers 2008) and Battlefields & Blessings: Stories of Faith and Courage from the War in Iraq & Afghanistan [J2] (AMG Publishers 2009). Visit the Web site at www.faithdeployed.com for resources and encouragement. Join the Faith Deployed Facebook group at www.facebook.com/faithdeployed .


[J1]http://www.amazon.com/Faith-Deployed-Daily-Encouragement-Military/dp/0802452507/ref=sr_1_1?ie=UTF8&s=books&qid=1282543670&sr=8-1

[J2]http://www.amazon.com/Battlefields-Blessings-Afghanistan-Stories-Courage/dp/0899570410/ref=sr_1_2?s=books&ie=UTF8&qid=1282543704&sr=1-2

World Military Spending Compared (infographic)

Tuesday, July 27th, 2010

The global economic crisis has had little impact on world military spending in 2009.  Nine of the top 10 spenders increased military spending in 2009.

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Infographic comparing budgets and spending for military across the world.

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Related: VA Loans for Military Vets.

When A Soldier Comes Home

Tuesday, July 13th, 2010

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I have often thought of the trials and issues that Soldiers faces when he/she returns home from service. The trivialness of day to day life that they must adjust to is something that we don’t understand. Yet there are those that still oppose what our soldiers do and what they stand for. Do we not realize that they are protecting our freedoms, that they are preserving our way of life? They sacrifice family, love, the comforts of life and their very lives to protect what we all hold dear. Why do we not raise the Red, White and Blue every time they come off the plane? Why are there not throngs of people singing their praise? Have we become too callous to show appreciation for those that serve us? Why do we not serve those that have given everything to serve this Land of Liberty? The following has circulated on the internet and I use it because I believe that it is poignant and to the point.

When a soldier comes home, he finds it hard…

To listen to his son whine about being bored.
To keep a straight face when people complain about potholes.
To be tolerant of people who complain about the hassle of getting ready for work.
To be understanding when a co-worker complains about a bad night’s sleep.
To be silent when people pray to God for a new car.
To control his panic when his wife tells him he needs to drive slower.
To be compassionate when a businessman expresses a fear of flying.
To keep from laughing when anxious parents say they’re afraid to send their kids off to summer camp.
To keep from ridiculing someone who complains about hot weather.
To control his frustration when a colleague gripes about his coffee being cold.
To remain calm when his daughter complains about having to walk the dog.
To be civil to people who complain about their jobs.
To just walk away when someone says they only get two weeks of vacation a year.
To be forgiving when someone says how hard it is to have a new baby in the house.

The only thing harder than being a soldier. . .is loving one.

Ronald Regan said, ““If we ever forget that we’re one nation under God, then we will be a nation gone under.”

I believe that compassion and love need to be shown to those that serve this nation. They deserve our praise and support. If we are a God fearing nation, or a Nation that believes in doing good towards our fellow men, then this should be and easy task. God Bless the Troops and God Bless America.

Why I love living in patriotic Utah

Wednesday, June 9th, 2010

I have lived in Utah for the past 16 years and love it here.  I have to tell you though, my roots are back in the midwest in the great state of Ohio!  That is right; I grew up in good old Buckeye land and then moved to Utah in my college years and have lived here ever since.

I could write all sorts of paragraphs and pages on why I love living in Utah, but I won’t bore you today with all of that.  What I want to share however, is why I think this state is great and primarily as it relates to pride in one’s country and patriotism.

Just two days ago I had the opportunity to hit up one or Utah county’s Mexican grocery markets; which is one of the reasons I love living here.  We have a great Latin culture among us and some great food.  While visiting this market I was accompanied by a child hood friend from Ohio who actually lives out here too.  As we were driving to the market he asked me, “Have you ever noticed how many American flags there are in this state?”  We had just drove by a car dealership (Ford-American made I mind you) and right smack in the front of the dealership was an American flag that was bigger than most state capitol flags!  I concurred with my buddy that yes I was aware and that I loved it!

I explained to him that in my neighborhood along with many other communities in Utah, that I had paid $30 in a donation to the Boy Scouts of America and in return the scouts hung a flag in my front yard on all US holidays.  I told him there was nothing better than driving home at night and seeing literally 30-40 houses all sporting and honoring the American flag.  My friend said that is was a major contrast to his time in San Francisco, CA.  The cool thing is that my friend who I feel leans a bit left when it comes to political views, had nothing negative to say about all the flags!  He did not necessarily trash talk his time in CA but mentioned you would never see that there.

So is the fact that Utahns sport the American flag a reason to live here?  Sure it is; this is just one example of the extreme patriotism that exists here.  Now if you don’t like seeing US flags everywhere, then don’t move here.  I love this great country and I love Utah.  If I were a retired military veteran or active duty service member and I had the chance to move to Utah, I would do it!

I am the branch manager for Flagship Financial and my loan officers specialize in Utah VA Loans and Utah VA mortgages, so let us know if you do move here or are already living in Utah.

PS,

From my office window right now I have the pleasure of seeing 3 businesses flying the US Flag!  Love it!

Mortgage Meltdown: U.S. Home Prices – Comparing 2006 to 2010

Thursday, June 3rd, 2010

Between 1997 and 2006 the price of the typical American home increased by 126%.  Pretty amazing number to see huh?  Well, what about from 2006 to 2010?  What has happened in the more recent market and how is the current housing market looking?  Whether you are buying, selling, looking for a VA loan, or traditional, check out the infographic below to find those answers.

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Mortgage Meltdown: U.S. Home Prices - Comparing 2006 to 2010

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