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Archive for the ‘General Veteran Information’ 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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The Process of Getting a VA Loan

Tuesday, March 15th, 2011

The process of getting a VA loan can be a simple one. We’ve broken it down into 8 steps so it can be as painless as possible for you. The infographic below helps you see how quick and easy it can be, and how we can help get you through that process from start to finish. Have questions, please give us a call or simply leave a comment and we’ll get back to you.

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How To Get A VA Home Loan
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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.

2012 VA Budget Summary

Tuesday, February 22nd, 2011

The Department of Veterans Affairs recently released the President’s $132 billion budget request for the 2012 fiscal year. According to Secretary of Veterans Affairs Eric K. Shinseki, they are emphasizing making every one of those 132 billion dollars count.

“We will continue to wisely use the funds that Congress appropriates for us to further improve the quality of life for Veterans and their families through the efficiency of our operations,” said Shinseki. He adds that in the current economic environment it is imperative to utilize every dollar efficiently and to eliminate waste, and that the VA has put into place management systems to maximize efficiency.

Below is a summary of the proposed allocation of the 2012 funds:

Health Care – Nearly $51 billion is requested to provide medical care to over 6.2 million patients. Also included are provisions for mental health programs (including specifically suicide prevention), the activation of newly constructed medical facilities, benefits for Veterans caregivers, and research. Also planned are technological upgrades.

Benefits – More than $70 billion in mandatory benefits programs, consisting of mostly VA disability compensation and pension payments.

Shinseki reaffirmed his commitment to “break the back of the backlog” of claims from Veterans for disability compensation and pensions. The goal is to provide Veterans with a decision to their claim within 125 days at a 98% accuracy rate by 2015.

Homelessness Prevention – Nearly $940 million for specific programs to prevent and reduce homelessness among Veterans and their families. The VA has recently put an emphasis on improving these types of programs, as homelessness is becoming an increasingly prevalent issue among Veterans. The new budget is a 17% increase over the current budget.

Education and Training – Includes about $11.5 billion allocated for VA education, training, vocational rehabilitation and employment programs. This will provide benefits for approximately 925,000 people, including funds that will go to recipients of the new Post-9/11 GI Bill, who will be able to use a new automated claims processing system.

Information Technology – $3.2 billion to operate and maintain its information technology systems. Shinseki emphasized that “IT is the key to bringing VA into 21st century. It allows for the efficient delivery of health care and benefits.”

Construction – Nearly $590 million is proposed for major construction projects, includes the construction projects at 7 existing health care facilities throughout the country, plus new projects in Reno, Los Angeles, and San Francisco. Also included is $550 million for minor construction, like safety improvements, seismic corrections, and patient privacy enhancements.

National Cemeteries – More than $250 million is allocated for the operation and maintenance of its 131 national cemeteries, plus another $46 million for state and tribal government Veterans cemeteries.

Click here to read more details on the proposed budget, and how it might affect or improve your benefits.

How PTSD Affects Families of Veterans

Monday, February 14th, 2011

In earlier posts we have discussed Posttraumatic Stress Disorder (PTSD) and the effects it can have on the lives of veterans who have it. But PTSD can not only wreak havoc in the lives of those who suffer with its symptoms, but also take its toll on their families. Research on PTSD has shown that veterans with PTSD have more marital problems and family violence, their partners have more distress, and their children have more behavior problems than do those of Veterans without PTSD.

Why does PTSD affect family members? For one, families will naturally react to the fact that their loved one has gone through a trauma. It’s upsetting when someone you care about goes through a terrible ordeal. Trauma symptoms can make a person difficult to get along with, or cause him or her to withdraw from the rest of the family. There may be resulting financial burdens if the trauma survivor has severe enough symptoms that keep them from holding a job. There may be difficulties in their relationship with their spouse if they avoid emotional connections or have lower sexual interest. They may exhibit less interest in family activities that they previously enjoyed. Or they may lash out in anger more easily or become violent. It can be very difficult for everyone when these types of changes occur, especially small children who may find it difficult to understand why it is happening. Just as people react differently to traumatic experiences, families also have different reactions when a loved one is traumatized. The following are common reactions of family members of a person with PTSD, according to the National center for PTSD:

  • Sympathy:  Family members feel sorry for what their loved one has had to endure. This can help your loved one know you care and sympathize. But on the extreme end of the spectrum, it can lead to “babying” or lowering expectations, which may lead to the trauma survivor feeling like their family doesn’t believe they can overcome the ordeal, or that they are weak.
  • Depression: One source of depression for family members can be the traumatic event itself. Knowing a loved one had to endure such a difficult experience. Depression is also commonly experienced when the person with PTSD acts in a way that causes feelings of pain or loss. If they withdraw from normal family activities, or interaction, when a traumatized spouse avoids intimacy, etc.
  • Avoidance: Just as trauma survivors are often afraid to address what happened to them, family members are frequently fearful of examining the traumatic event as well. Family members may avoid the same things that the trauma survivor avoids because they want to spare them further pain or are afraid of their reaction. This may lead to frustrations within the family if regular activities are abandoned.
  • Anger: This is a common response among families. Loved ones may feel angry at whoever they feel is responsible for the trauma; they can also feel anger toward the trauma survivor, if they exhibit strange behavior or continue to dwell on the event.  They may also feel angry in response to anger or irritability the trauma survivor directs at them.
  • Drug and alcohol abuse in response to the stress the trauma has caused in the family’s life, as well as sleep problems. Children may exhibit behavioral problems at school.

The first step for families to do is to gather information about PTSD, to better understand where the changes are stemming from. Resources on the National Center for PTSD website may be useful to educate the family about the effects of trauma. There are many support groups for both veterans with PTSD and their families, and group and individual therapy. The VA has taken note of the effects of PTSD on veterans as well as their families, and has begun to offer group, couples and individual counseling for family members of Veterans. Contact your local VA Center for details on programs available in your area.

(Information for this blog post was found on www.ptsd.va.gov)

Foreclosures Suspended for Veteran Home Owners

Friday, February 11th, 2011

There is some good news for Veterans and their families for the year 2011. Struggling families will have some time before foreclosures are an issue for most of the year. Mortgage Servicers now have to wait until they can start foreclosure proceedings for service members, according to a new ruling given by Freddie Mac. After the veteran gets discharged, the servicing company will have to wait at least nine months before they can take any kind of action.

The idea behind this moratorium on foreclosures is that it should give these service members the breathing room they need to reestablish themselves. The housing industry wants to make sure that those that can get back on their feet do, and that those that have not prevented it, inevitably still end up in the foreclosure. Some lawmakers believe this will also give the housing recovery some time to straighten itself out on its own.

There have been a record number of foreclosures the past few years. In 2009 around 2.8 million homes faced foreclosures, with a similar number following in 2010. Foreclosures among veterans do not have a specific disclosed number, but it is rather high according to a few sources. Of course, if lenders would consider reducing their principle balances the country may see less foreclosures in general. Unfortunately the lenders have not done so yet. There are a few other solutions to try. Some lenders will agree on a repayment plan or “forbearance”. This is when the loan is suspended while the borrower accumulates sufficient fees or time to sell the property. They may also be able to obtain a loan modification, where the delinquency is added to the loan and a new payment plan is established. The VA also provides certain safeguards for a VA home loan. First, the VA prevents the lender from discriminating against the borrower in any way and can suspend the loan if any such discrimination is discovered. Second, the VA regulates the amount of closing costs that can be charged to the borrower. Third, the VA prevents any prepayment penalty. All three of these safeguards prevent against foreclosure or seizure.

This current suspension of foreclosure for veterans applies only to those loans that are backed by Freddie Mac. During the member’s active duty service there will be a six percent interest rate cap. This will also apply for up to a year after they are released from duty. This is just an additional benefit to help veterans out during this time.

Fannie Mae recently initiated a program to help prevent foreclosures as well. This one is for members who are injured or for the families of a member killed during active duty.  Fannie Mae presented a new forbearance plan, where service members can have their payments “reduced or simply eliminated” for up to six months.

Both of these government enterprises are striving to help veterans and service members. The executive vice president of Single Family Portfolio Management at Freddie Mac said, “Our military makes sacrifices every day to protect our homes and families. This small act will protect financially trouble service members when they return from active duty by giving them more time to work with their lender to stay in their home.” They are hoping to prevent foreclosures, but as stated before, this is for those willing to do their part also. The struggling service members will receive the nine months in order to get their payments on time and the mortgage stable, and if they do not use that time wisely, they will still be headed for foreclosure.

As always, any service member who is having difficulty making their payments should contact their mortgage provider as soon as possible to try and find a solution that will work the best for them. The Department of Veterans Affairs offers help and counseling to those who need it as well. Financial counselors can also work directly with lenders to set up repayment plans, loan modifications, and etc. Service Members do not have to have a VA loan to use these resources at the VA, but this does limit what they can do for those without a VA loan.

PTSD symptoms and aging veterans

Saturday, February 5th, 2011

Many veterans who have served during war time suffer from effects of Posttraumatic Stress Disorder (PTSD). And for many of them, memories of their wartime experiences continue to be upsetting long after they served in combat. We usually think of symptoms of PTSD occurring immediately after a traumatic event, or seeing symptoms in a loved one soon after they return from war. But many older veterans are finding that they have PTSD symptoms even fifty or more years after their wartime experience, or that their symptoms intensify over time. In some cases, these symptoms are delayed for many years and are triggered long after the traumatic events took place.

There are several reasons why symptoms of PTSD may increase with age:

· Retirement from full-time work may allow more time to think and you may have fewer distractions from your traumatic memories.

· Medical problems that come with aging may leave you feeling less strong as you used to be, increasing symptoms.

· Disturbing news and images of war on the television may bring back memories.

· You may have tried to cope with stress in the past by using drugs or alcohol. If you stop later in life without a healthier way of coping your symptoms may seem more intense and difficult to deal with.

· As you get older you are looking back over your life and your experiences to try to make sense of them, causing you to re-examine, or re-live traumatic wartime events.

For veterans, any or all of these factors may trigger what is known as Late-Onset Stress Symptomatology (LOSS). The symptoms of LOSS are similar to those of PTSD, although LOSS seems to be closely related to the aging process. With LOSS, veterans may have fewer symptoms, or begin having symptoms later in life. People with LOSS may have lived the majority of their life relatively well. As they begin to confront normal age-related changes such as retirement, loss of loved ones, or increased health problems, these stresses can trigger emotional reactions about their wartime experiences.

If you, or anyone you know, is having a hard time dealing with past wartime experiences, or are beginning to show signs of PTSD or LOSS, there are a number of things that can help:

· Do things that make you feel strong and safe in other parts of your life, like exercising, eating well, and volunteering.

· Talk to a friend who has been through similar experiences

· Join a support group

· Talk to a professional. Your doctor can refer you to a therapist or find a VA Medical Center in your area that can direct you to where to go for treatment.

· Educate yourself about PTSD and LOSS, and tell your family and friends about it. They will be better able to support you if they know more about what you are going through.

· Don’t be afraid to ask for help. There is a lot of help available to veterans suffering from PTSD and LOSS

It may be difficult to ask for help, but you shouldn’t feel bad or have your life disrupted by symptom of PTSD or LOSS. There are a lot of resources through the VA, and as a valued veteran of our military you are entitled to it!

For more information on PTSD or LOSS contact The National Center for PTSD.

(Information for this blog post was found on www.ptsd.va.gov)

Provided by your VA loan professionals at Flagship Financial Group

VA Programs and Resources for Women Veterans

Wednesday, January 12th, 2011

There are far more men than women in the military, yet each year the number of women serving in our Armed Forces grows. In fact, women are the fastest growing group of Veterans. In 2008, 11% of Veterans from the Afghanistan and Iraq military operations were women and these numbers are expected to keep rising. As the numbers have increased over the years, so has the need for resources geared specifically towards women veterans who have experienced trauma related to their military service.

Trauma is common in women; five out of ten women experience a traumatic event. And women tend to experience different traumas than men. Women in the military face specific stressors. While not always trained for combat, they are often involved in combat or combat-support missions, experiencing hostile fire, and injury. They may feel alone in their units, with few other women for emotional support. It may be hard for women with young children to be deployed for long periods of time. Still yet another source of stress, and Posttraumatic Stress Disorder, for women veterans is Military Sexual Trauma.

Military Sexual Trauma (MST) is the term used by the Department of Veterans Affairs to refer to experiences of sexual assault or repeated, threatening acts of sexual harassment. This may also include being threatened with negative consequences for refusing to go along with the advances, or promised promotions/advancement or better treatment for going along with it. If the MST is especially traumatic, as in the case of sexual assault, it can lead to PTSD.  The Department of Defense conducted a study of sexual victimization among active duty populations and found rates of sexual harassment to be 78% among women, and attempted or completed sexual assault to be 6%.

In response to the recent increase in women Veterans, the VA has put in place a number of health care and research programs just for women, including the Women Veterans Health Care program.  Every VA Medical Center in the country now has a Women Veterans Program Manager.  This person is there to organize services and resources so that women veterans can get specific help they need. The following VA programs are devoted to women veterans’ healthcare:

  • Women’s Stress Disorder Treatment Teams – special outpatient mental health programs. They focus on the treatment of PTSD and other problems related to trauma.
  • Specialized inpatient and residential programs for women – These are live-in programs for women veterans who need more intense treatment and support.
  • Women Veterans Comprehensive Health Centers – Many VA centers throughout the country have complete health centers for women veterans only.
  • Women Veterans Homelessness Programs – These programs can help women veterans find shelter if they are homeless or at risk of becoming homeless.

For more information on any of these programs, or to find out what programs are available in your area, contact your local VA Center, and speak with your Women Veterans Program Manager.

(Information for this blog post was found on www.ptsd.va.gov)


Post traumatic Stress Disorder and Veterans

Monday, January 10th, 2011

My husband is an Iraq War veteran.  He served two tours in Iraq during his 6 years of active duty in the United States Marine Corps, which comes out to about a third of his active duty time deployed to an active combat zone. It is not surprising that occasionally he exhibits symptoms of posttraumatic stress disorder (commonly referred to as PTSD).  Fortunately, his symptoms are not severe enough to interfere with his daily life or inter-personal relationships, but there are many veterans who do have these types of difficulties after having lived through traumatic experiences during war. The good news is that the Department of Veterans Affairs provides assistance to veterans who suffer with symptoms of PTSD, and their families.

Post traumatic stress disorder is an anxiety disorder that can occur after someone has been through a traumatic event. This is not limited to military personnel or veterans. Anyone who has gone through a life-threatening event can develop PTSD , although veterans constitute a significant group of sufferers. Some examples of traumatic events that may lead to PTSD include:

  • Combat or war exposure
  • Child sexual or physical abuse
  • Terrorist attacks
  • Sexual or physical assault
  • Serious accidents
  • Natural disasters, such as fire, earthquake, hurricane, or tornado

It is natural to experience feelings of anxiety, fear, or depression after living through a traumatic event, and these may not necessarily indicate that you have PTSD. The likelihood of developing PTSD depends on a variety of factors, including how intense the trauma was, how close you were to the event, and how much help and support you received after the event.

The following are four types of symptoms of PTSD:

  • Reliving the event : Including bad memories, nightmares, and re-experiencing strong emotions associated with the event. For veterans, this comes commonly in the form of nightmares and flashbacks, but can also be caused by a “trigger” factor, like a noise or seeing something that causes you to relive the event.
  • Avoiding situations that remind you of the event: You may try to avoid situations or people that remind you of what occurred, or avoid even talking or thinking about it.
  • Feeling numb: Finding it difficult to express feelings or to have positive feelings towards others. Also, you may not be interested in activities that you once enjoyed.
  • Feeling keyed-up or jittery: You may be always on alert, have a hard time sleeping or concentrating, and become startled when something surprises you. You may also become angry or enraged easily.

People with PTSD may feel hopelessness, shame, or despair. Employment or relationship problems are also common, and alcohol or drug use may also occur at the same time as PTSD.  If you experience symptoms like these for a prolonged period of time (over several months) or they begin to interfere with your normal life or relationships, you may have PTSD.

There is help available through counseling and/or medication, and the Department of Veterans Affairs offers help for veterans living with PTSD. Every VA Medical Center has PTSD specialists who can diagnose and provide treatment for veterans. Plus, the VA provides nearly 200 specialized PTSD treatment programs, including Community Based Outpatient Clinics which offer mental health services.  Additionally, every VA Medical Center in the country has a Women Veterans Program Manager, devoted specifically to aiding women veterans in receiving services. Contact your local VA medical center for assistance if you feel you may be suffering from PTSD.

You are eligible for VA care if you:

  • Completed active military service in the Army, Navy, Air Force, Marines, or Coast Guard
  • Were discharged under other than dishonorable conditions
  • Members of the National Guard and Reserves who have completed a federal deployment to a combat zone

The National Center for PTSD offers a lot of good educational resources for learning more about PTSD and how veterans and their families can cope. Go to www.ptsd.va.gov for more information.

You can also visit http://www.mentalhealth.va.gov/ for more info on mental health services that the VA offers and to find a VA facility near you, or call 1-877-222-VETS (1-877-222-8387).

Women veterans can go to http://www.mentalhealth.va.gov/womenvets.asp or http://www.publichealth.va.gov/womenshealth/index.asp for information on specific VA programs for women veterans.

The bottom line is that those who serve in our armed forces are an important part of our national community. If you are having difficulty coping with war-relates events, there is help available and we all hope you take advantage of it. Please confide in someone around you and seek help.

(Information for this blog post was found on www.ptsd.va.gov)


Remembering Pearl Harbor

Monday, December 6th, 2010

As many of us spend this week, and in particular this coming Tuesday December 7th, reflecting on the attack on Pearl Harbor, we here at Low VA Rates thought it would be appropriate to provide some information on the event of that day, December 7, 1941.  Below is an infographic that shows the timeline of the attack that morning; facts on the battle that took place; and info on the memorial open to the public on the island of Oahu, Hawaii.

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Remembering Pearl Harbor Infographic
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