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Archive for the ‘General Veteran Information’ Category

Eligibility: How Do I Know If I Even Qualify?

Thursday, October 8th, 2009

There are some basic rules of thumb―currently on active duty for at least 180 days, 90 days of war service, 180 days of peacetime service before the 1980’s, or 24 months of continuous service after the 1980’s, or 6 years in the Guard or Reserves, or the surviving (un-remarried) spouse of service member who died on active duty or due to a service related disability. Of course these requirements assume an honorable discharge, but disability or hardship discharges are also acceptable. Just because you don’t fit these categories doesn’t mean you aren’t eligible either. There are other categories of acceptability, like cadets of Coast Guard , Military or Air Force Academies, midshipman from the Naval Academy , or officers from the National Oceanic and Atmospheric Administration. I admit I had to look that one up…try Googling NOAA. The complete list of eligibility is hard to find.

Once you think you meet the eligibility requirements you need to get an eligibility certificate. The easiest way is to let your lender file for it electronically, but this only works for those who are in the VA records system. Basically, you have to file VA form 26-1880 with proof of service and mail it to the eligibility center in North Carolina. Unless you are the surviving spouse, then use form 26-1817. I couldn’t find a separate form for the special categories, but you might have to call the VA Loan Eligibility Center at 1-888-244-6711 for more information.

Don’t be overwhelmed; if you have a good loan officer they’ll make it easy. It’s his or her job to know all this, not yours. Next time: Reusing VA eligibility, Can I obtain another VA loan?

Resources: http://www.homeloans.va.gov

“Now that the mighty hath fallen…” – The impact of Taylor, Bean & Whitaker’s demise.

Monday, August 24th, 2009

Earlier this month, Federal agents acting under the direction of the FBI and the Department of Housing and Urban Development, raided the Florida based corporate offices of Colonial BancGroup and Taylor, Bean & Whitaker.  While to date, there is still very little known about the exact reasons and circumstances under which the shutdown took place, we can make an educated guess as to how this development will impact the mortgage market as a whole.

Traditionally, the standard for guaranteeing mortgages under the VA streamline Refinance program or IRRRL (Interest Rate Reduction Refinance Loan) did not require borrowers to have a particular credit score in order to qualify.   Rather, of chief concern was a veteran’s clean mortgage history, i.e. no late mortgage payments to suggest potential loan default.  Taylor, Bean & Whitaker (TBW) was one of the last banks to offer these “no minimum credit score” VA streamlines.  It’s important to note here the distinction between the VA’s standard for guaranteeing a mortgage, and a banks standard for underwriting it.   Contrary to popular belief, the VA is not, in fact, a lender.  The VA acts as a guaranteeing agent to a lender who agrees to finance the mortgage.  The standards by which the VA will guarantee the loan do not necessarily have to parallel the guidelines by which a lender agrees to finance it.   Loans guaranteed by the VA are not guaranteed to 100% of the loan amount.  In a more stable housing market, with a less severe degree of loan default and foreclosure, lenders have been willing to accept the risks associated with loan guidelines based off VA loan guarantee guidelines.  The times have changed however, and now the risk exposure associated with approving a loan without considering a borrower’s credit score, an appraisal of the property, or verifying financial stability are becoming too great for a bank to take.

TBW had created a name for itself by bucking the trend and displaying a willingness to lend to financially distressed veterans.  The logic seemed to be centered around the reasoning that the volume of good loans funded would far outweigh those that would end up defaulting.   Most veterans, they thought, wanted to stay in their homes and would eventually be able to return to good standing even if they had encountered some temporary financial setbacks.  Since they were the only game in town for low credit veterans, they had the market relatively cornered.  TBW’s departure from the lending world means there are fewer alternatives for distressed borrowers.  Fewer alternatives for distressed borrowers mean there is less competitive pressure on those lenders offering similar loan products and rates, which should be a call to action to any veterans with blemished credit still sitting on the fence.

This “competitive pressure” issue, extends beyond loan guidelines and influences interest rates as well.  For example, TBW was one of the first lenders to offer competitive rates on VA Hybrid Adjustable Rate Mortgages.  Because they had a larger pool of lending dollars to draw from, they were able to offer the best available rates on these loans.  Veterans by the thousands were calling in to take advantage of these rates.  This put pressure on other lenders to lower their rates on VA Adjustable Rate mortgages, lest they concede all of these loans to TBW.  With TBW out of the marketplace, the pressure on the competition has decreased, which gives the lenders still standing the ability to scale back their risk.

While this may sound unfair to veterans, this phenomena represents the essence of capitalism.  Many veterans believe that the Federal Reserve alone controls interest rates.  For the most part, the Fed only indirectly influences mortgage rates by regulating the rates at which banks lend to one another.   In doing so, the Fed mitigates the cost of financing for a bank, which reduces a banks margins and frees them up to lower their interest rates without a commensurate hit to their bottom lines.  However it is the field of competition among other banks that (along with the perceived value of the underlying real estate investment) have the most influence on where rates are going- supply and demand at its finest.  TBW represented the 5thlargest government (FHA & VA loans) lender in the country and, recently, the largest purveyor of government ARMs as well.  With their departure from the market, the total available lending dollars in the country available to veterans has shrunk.  Since the number of veterans that need to refinance don’t go away simply because TBW went out of business, there is now an artificial “increase” in demand for VA loans even though there is now a “decrease” in the lending supply.  Higher demand and smaller supply means that lenders can be much more discriminating about their lending dollars and much more particular about their loan guidelines.

The bottom line:  The writing is on the wall with regard to interest rates.  Federal Reserve Chairman Ben Bernanke released a statement last week in Wyoming, stating that he believed the economy’s downward spiral has leveled off, and that recovery, while distant, has already begun.  TBW’s departure represents a call to action for those veterans still waiting to time the market.  While it is unlikely rates will return to the levels we saw in Feb/Mar of this year, they are still low enough to help stabilize the monthly expenses of most veterans.  The question veterans should ask themselves shouldn’t be simply, “Are rates low enough for me to consider refinancing?”  I would argue that they should also be asking “Is a VA loan the best/only financing option available to me, and if so, how long will they stay that way?”

Top 10 Most Notable Women Veterans

Monday, August 10th, 2009

Women SoldiersThere is a compelling argument to be made that American women have been fighting battles and waging wars against gender-bias and socio-sexual mores since our country’s inception.   From the struggles for equality by “Suffragette’s” Lucretia Mott, Susan B. Anthony, and  Elizabeth Cady Stanton  in the early 20th century, to Gloria Steinem and the birth of the modern feminist movement, women have been fighting for freedom as fervently and legitimately as many enlisted soldiers.  But as an unfortunate by-product of the groundbreaking successes of American Feminism, history often overlooks those women who have served in uniform as well.  The following list describes 10 of the most salient servicewomen in military history, in no particular order.

  1. Yeoman Lorretta Walsh – In early March, 1917 Loretta became the first woman in US history to enlist in the armed forces, joining the Navy and becoming the first Yeoman in US Navy history.
  2. Dr. Mary E. Walker – Dr. Walker was the first and only woman ever to receive the Congressional Medal of Honor for her distinguished battlefield medical service during the US Civil War.  After becoming involved in the culturally unpopular suffragette movements at the turn of the 20th century, Dr. Walker was stripped of the medal,  with the official reason stated being “to increase the prestige of the grant.”  True to her character, Dr. Walker refused to relinquish the medal, wearing it constantly until her death.  Years later in 1977, President Carter reinstated the validity of the medal.
  3. Lt. Kara Hultgreen – Navy’s first fully qualified female fleet fighter pilot.  Tragically, in 1994 Hultgreen died when her F-14 Tomcat slammed into the Pacific Ocean during a training accident.  Although 31 male pilots died in the similar F-14 accidents, many cited Hultgreen’s death as evidence for the case against female fighter pilots.  Among women aviators and the more enlightened Hultgreen remains both a pioneer and a true American patriot.
  4. Elizabeth C. Newcume – Disguised in male clothing, Newcume served 10 months during the Mexican-American war fighting “rebels and Indians” at Dodge City, KS until her sex was discovered and was discharged.  Later, Newcume would gain notoriety as she fought (and won) for her contractually promised service benefits including back/hazard pay and land grants.
  5. Margaret Corbin – Though never officially enlisted in the US Armed services (much like the rest of the American “Revolutionaries”) Corbin fought valiantly beside her husband at Fort Washington, leading to permanent disability.  Later in 1779 Congress awarded her disability benefits at one-half soldiers pay and the cash equivalent for a “new set of clothes.”
  6. Master Sergeant Barbara J Dulinsky – Dulinsky volunteered for duty during the Vietnam War and, in 1967, reported to the Military Assistance Command in Saigion (then South Vietnam), making her the first woman Marine ordered to serve in an active combat zone.
  7. Clara Maass – Spanish American War veteran Clara Maass served with honor in the Army Nurse Corps.  After her distinguished service, when an outbreak of yellow fever threatened the lives of millions of soldiers, Maass bravely volunteered for an experimental treatment program which ultimately led to her death.  Maass later became the first woman to be immortalized on a US postage stamp.
  8. Sgt. Esther Blake – Blake is widely considered the first woman, if not of the first people, to enlist in the US Air Force.   On July 8th 1948, Blake put pen to paper during the first minute of the first hour after the regular Air Force was officially authorized.  However, her official enlistment was recorded as serving under WAF. (Women in the Air Force)
  9. Annie G. Fox – Pearl Harbor veteran (featured in the eponymous film by Jerry Bruckheimer) serving in the Army Nurse Corps and first woman to be awarded The Purple Heart for valor and injury.
  10. PFC Maureen Daugherty – in April 1986 Daugherty became the first American woman to make a dangerous parachute drop into Bolivia.  Just making the short list to be part of the Army Paratroopers was distinction enough, a tradition dating back to those who served in WWII at Normandy, France, featured in the critically acclaimed HBO miniseries “Band of Brothers’.

10 Freedoms I Enjoy Thanks to the Military

Wednesday, August 5th, 2009

The Military of the United States has helped to maintain the freedoms of our country. Since the Revolutionary War, veterans from the Army, Navy, Air Force, and Marines have shed blood, sweat, and tears to protect the liberties that we hold dear. The following is a list of just ten of the freedoms for which I am grateful that those veterans have protected over the past 233 years. They are listed in no particular order.

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#1 Freedom to worship God how I see fit. This is an inalienable right. One that is guaranteed to us by the Constitution. And while some fight to take away this right, by limiting how or where we may worship, one thing is certain: veterans of the United States have fought to protect our right to worship our God. “In God We Trust” is not a cute tag line, but a mantra that the Founding Fathers lived by.

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#2 Freedom to say what I want to say. Speech is protected by the 1st Amendment. It allows me to write this blog for veterans. It allows me to question those who govern me. Again this is an inalienable right and one which I often over look and will never be thankful enough for.

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#3 Freedom to own a firearm. This is a hot button issue across the country right now. Many veterans and non-vets alike enjoy the freedoms secured by the 2nd Amendment. The right to own a gun is a right meant to ensure that the government cannot hold the country hostage as the British did before the Revolutionary War. Along with our military, organizations such as the NRA, will work tirelessly to ensure that we never lose this freedom.

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#4 Freedom to move. This is a freedom that many people may take for granted. We have the ability to jump on the interstate and drive across the country if we so please. The freedom to move about our own country is not one that is shared universally. Many countries across the world do not allow their citizens to move about as freely a we do.

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#5 Freedom to cause change. In the United States of America we have right and obligation to make changes to the makeup of our government when we disagree with how we are being led. It is our duty to observe how are elected officials represent us, and ,should their values not reflect our own, to oust them from power.

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#6 Freedom of Press. Much like freedom of speech, freedom of the press allows the news to be reported. It also allows blogs like this one to be posted for reading. The press has the responsibility to report the news no matter how damning it may be. The press helps the people to be informed and cause change.

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#7 Freedom to own a home. This freedom may be taken for granted by many veterans and non-vets alike. Because of our due process laws we are able to own our own homes without fear of our government taking it away without compensation.

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#8 Freedom to get an education. We are not limited by our government as to what we can and cannot do with our own lives. Because of the military we are free to be educated as we see fit. As an added benefit to our veterans, programs have been established to help them with their education. The Montgomery GI Bill and other programs such as ROTC has allowed generations of veterans the opportunity to be well educated in the field of their choice.

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#9 Freedom of Entrepreneurship. Thanks to our military’s and its veterans’ efforts, we are able to enjoy the capitalist society that we have. Entrepreneurship is the basic form of capitalism. At its heart, the economy of America rides on the backs of small business owners and the entrepreneurial spirit that they foster.

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#10 Freedom to not live in fear. Perhaps the most underestimated freedom that American have because of our veterans. This freedom was briefly put away after the events of 9/11, however because of the brave men and women of our military Americans once again do not live in fear.

A Trip to the Military Hill Air Force Base Museum

Monday, August 3rd, 2009

Summer time in Utah can get really hot and the kids usually like to stay inside in a nice air conditioned house.  This usually leads to boredom, so I decided to take the family up to the Hill Air Force Base Museum.  The drive is about an hour from where I live which is worth the gas to see these retired military aircraft.  This post is about my trip with pictures included!

The base museum has 2 parts to it; outside and inside.  We first started with the outside as to avoid the heat of the day.

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The B-1 Lancer is a bomber used by the USAF. First envisioned in the 1960s as a supersonic bomber with sufficient range and payload to replace the B-52 Stratofortress, it developed primarily into a low-level penetrator with long range and supersonic speed capability. Its development was stopped and restarted multiple times over its history. It eventually entered service more than 20 years after first being studied.

The B-1B production version has been in service with the United States Air Force (USAF) since 1986. The Lancer serves as the supersonic component of the USAF’s long-range bomber force, along with the subsonic B-52 and B-2. The bomber is commonly called the “Bone” (originally from “B-One”). The B-1B is the U.S. military’s only active variable-sweep wing aircraft.

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My daughter loved this old P51 Mustang because it has her name on it.  She thought that was pretty neat.  The P-51 Mustang was a long-range single-seat fighter aircraft that entered service with Allied air forces in the middle years of WWII. The P-51 flew most of its wartime missions as a bomber escort in raids over Germany, helping ensure Allied air superiority from early 1944. It also saw limited service against the Japanese in the Pacific War. The Mustang began the Korean War as the United Nations main fighter, but was relegated to a ground attack role when superseded by jet fighters early in the conflict. Nevertheless, it remained in service with some air forces until the early 1980s.

As well as being economical to produce, the Mustang was a fast, well-made, and highly durable aircraft. The definitive version, the P-51D, was powered by the Packard V-1650, a two-stage two-speed supercharged version of the legendary Rolls-Royce Merlin engine, and was armed with six .50 in (12.7 mm) M2 Browning machine guns.

After World War II and the Korean conflict, many Mustangs were converted for civilian use, especially air racing. The Mustang’s reputation was such that, in the mid-1960s, Ford Motor Company’s  Designer John Najjar proposed the name for a new youth-oriented coupe automobile after the fighter.

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This is me reading the specs on the “Super Sabre”.  The F-100 Super Sabre was a jet fighter aircraft that served with the United States Air Force (USAF) from 1954 to 1971 and with the Air National Guard (ANG) until 1979. As the first of the Century Series collection of USAF jet fighters, it was capable of supersonic speed in level flight, and made extensive use of titanium throughout the aircraft.

The F-100 was originally designed as a higher performance follow-on to the F-86 Sabre air superiority fighter. Adapted as a fighter bomber, the F-100 would be supplanted by the Mach 2 class F-105 Thunderchief for strike missions over North Vietnam. The F-100 flew extensively over South Vietnam as the Air Force’s primary close air support jet until replaced by the more efficient subsonic A-7 Corsair II. The F-100 also served in several NATO air forces and with other US allies. In its later life, it was often referred to as “the Hun,” a shortened version of “one hundred.”

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This picture to me just Screams Firepower and Technology.  This is a picture of the MH-53M Pave Low Helicopter and the SR-71 Blackbird.

The MH-53J Pave Low III heavy-lift helicopter is the largest, most powerful and technologically advanced transport helicopter in the US Air Force inventory. The terrain-following and terrain-avoidance radar, forward looking infrared sensor, inertial navigation system with Global Positioning System, along with a projected map display enable the crew to follow terrain contours and avoid obstacles, making low-level penetration possible.

Under the Pave Low III program, the Air Force modified nine MH-53Hs and 32 HH-53s for night and adverse weather operations. Modifications included forward-looking infrared, inertial navigation system, global positioning system, Doppler navigation systems, APQ-158 terrain-following and terrain-avoidance radar, an on-board mission computer, enhanced navigation system, and integrated avionics to enable precise navigation to and from target areas. The Air Force designated these modified versions as MH-53Js.

The MH-53J’s main mission is to drop off, supply, and pick up special forces who are behind enemy lines. It also can engage in combat search and rescue missions. Low-level penetration is made possible by a state-of-the-art terrain following radar, as well as infrared sensors that allow the helicopter to operate in bad weather.

This helicopter is equipped with armor plating. It can transport 38 troops at a time and sling up to 20,000 pounds (9,000 kg) of cargo with its external hook. It reaches top speeds of 165 mph (266 km/h) and altitudes up to 16,000 feet (4,900 m).

The MH-53M Pave Low IV is a modified MH-53J with the Interactive Defensive Avionics System/Multi-Mission Advanced Tactical Terminal or IDAS/MATT. The system enhances present defensive capabilities of the Pave Low. It provides instant access to the total battlefield situation, through near real-time Electronic Order of Battle updates. It also provides a new level of detection avoidance with near real-time threat broadcasts over-the-horizon, so crews can avoid and defeat threats, and re plan en route if needed.

The MH-53 Pave Low’s last mission was on 27 September 2008, when the remaining six helicopters flew their last combat missions in support of special operations forces in Southwest Asia. These MH-53Ms were retired thereafter.

The Lockheed SR-71 was an advanced, long-range, Mach 3 strategic reconnaissance aircraft developed from the Lockheed A-12 and YF-12A aircraft by the Lockheed Skunk Works as a Black project.  The SR-71 was unofficially named the Blackbird, and called the Habu by its crews, referring to an Okinawan species of pit viper.  The first flight of an SR-71 took place on 22 December 1964, at Air Force Plant 42 in California. The first SR-71 to enter service was delivered to the 4200th (later, 9th) Strategic Reconnaissance Wing at Beale Air Force Base, California, in January 1966. The United States Air Force Strategic Air Command had SR-71 Blackbirds in service from 1966 through 1991.

The SR-71 remained the world’s fastest and highest-flying operational manned aircraft throughout its career. From an altitude of 80,000 feet (24,000 m), it could survey 100,000 square miles (260,000 km2) per hour of the Earth’s surface. In addition, it was accurate enough to take a legible picture of a car’s license plate from this altitude. On 28 July 1976, an SR-71 broke the world record for its class: an absolute speed record of 1,905.81 knots (2,193.17 mph; 3,529.56 km/h), and an “absolute altitude record” of 85,069 feet (25,929 m). Several aircraft exceeded this altitude in zoom climbs but not in sustained flight.  The SR-71 also holds the record for flying from New York to London in 1 hour 54 minutes and 56.4 seconds, set on 1 September 1974. This equates to an average velocity of about Mach 2.68, including deceleration for in-flight refueling. Peak speeds during this flight were probably closer to the declassified top speed of Mach 3.2+. (For comparison, the best commercial Concorde flight time was 2 hours 52 minutes, and the Boeing 747 averages 6 hours 15 minutes.)

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This is my favorite picture.  The F-16 was always my favorite and the American Flag in the background says it all.  There is an absolute reason why our countries military is by far the best.  We have the best technology and the best individuals serving.

The Lockheed Martin F-16 Fighting Falconis a multirole jet fighter aircraft originally developed by General Dynamics for the United States Air Force. Designed as a lightweight, day-time Visual Flight Rules (VFR) fighter, it evolved into a successful multirole aircraft.  The Fighting Falcon is a dogfighter with numerous innovations including a frameless, bubble canopy for better visibility, side-mounted control stick to ease control while under high g-forces, and reclined seat to reduce the effect of g-forces on the pilot. The F-16 has an internal M61 Vulcan cannon and has 11 hardpoints for mounting various missiles, bombs and pods. It was also the first fighter aircraft deliberately built to sustain 9-g turns. It has a thrust-to-weight ratio greater than one, providing power to climb and accelerate vertically — if necessary. Although the F-16’s official name is “Fighting Falcon”, it is known to its pilots as the “Viper“, due to it resembling a cobra snake and after the Battlestar Galacticastarfighter. It is used by the Thunderbirds air demonstration team.

The F-16 is a single-engined, supersonic, multi-role tactical aircraft. The F-16 was designed to be a cost-effective combat “workhorse” that can perform various kinds of missions and maintain around-the-clock readiness. It is much smaller and lighter than its predecessors, but uses advanced aerodynamics and avionics, including the first use of a relaxed static stability/fly-by-wire (RSS/FBW) flight control system, to achieve enhanced maneuver performance. Highly nimble, the F-16 can pull 9-gmaneuvers and can reach a maximum speed of over Mach 2. The F-16 is equipped with an M61 Vulcan 20 mm cannonin the left wing root with the F-16A distinguished by having four vents behind the port for the M61 cannon whereas the subsequent F-16C has only two vents behind the cannon port. Early models could also be armed with up to six AIM-9 Sidewinder heat-seeking short-range air-to-air missiles (AAM), including a single missile mounted on a dedicated rail launcher on each wingtip. Some variants can also employ the AIM-7 Sparrow long-range radar-guided AAM, and more recent versions can be equipped with the AIM-120 AMRAAM. It can also carry other AAM; a wide variety of air-to-ground missiles, rockets or bombs; electronic countermeasures (ECM), navigation, targeting or weapons pods; and fuel tanks on eleven hardpoints – six under the wings, two on wingtips and three under the fuselage.

Here is a list of missions that the F-16 has been involved with.  Bekaa Valley and Osiraq raid (1981), Operation Peace for Galilee (1982), Incidents during the Soviet-Afghan War (1986–1988), Operation Desert Storm (1991), Interwar Air Operations over Iraq (1991-2003), Venezuelan coup attempt (1992), Balkans (1994–1995 and 1999), Aegean incidents (1996 and 2006), Kargil War (1999), Operations in Afghanistan (2001–present), Invasion of Iraq and post-war operations (2003–present), Second Lebanon War (2006) and finally Operations in North-West Pakistan (May 2009–present).  The F-16 is to remain in service until 2025.

I also wanted to make mention of just a few weapons.  I cannot believe how advanced these were and are for how old they are.

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GBU-12 Paveway II guided bomb

The GBU-12 guided bomb is comprised of a 500 pound general purpose iron bomb fitted with a laser seeker head and mechanical control surface.  Together these allow the weapon to guide on the laser energy reflected from a target being illuminated by a laser designator.  There are 2 generations of GBU-12 laser guided bombs:  The Paveway I with fixed wings and the Paveway II with folding wings and many other internal improvements.  This weapon weighs 800 pounds and is armed with 192 pounds of Tritonal High Explosive.

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Bolt-117 Laser Guided Bomb

The Bolt-117 was the first Laser Guided Bomb.  It consisted of a standard 750 LB bomb case with a KMU-342 laser guidance and control kit.  The army began research into laser guidance systems in 1962 and by 1967 the air force had conducted a competitive evaluation leading to full development.  Its impact on air power was revolutionary. Laser guidance kits turned standard “dumb” ordinance into into “smart” effectiveness compared to free fall bombs.  This yielded a 100-fold increase in effectiveness.

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GAU-8/A

The gun is a seven rotating barrel assembly.  The gun will fire 4,200 30 MM rounds a minute.  The barrels are rotated by 2 hydraulic motors.  The accuracy of the weapon is rated 5 MIL 80% meaning that 80% of the rounds fired at 4,000 FT will hit within a circle 40 ft across.  The weapon fires two types of ammunition, a non explosive kinetic energy armor piercing round also a high explosive round.

One of the best things about the museum is the kids learning center.  They have all types of flight simulators which I liked the best.  They have an area the shows the kids the difference in material used to the aircraft.  For example – they have a piece of steel, aluminum and carbon fiber.  They are all the same dimension and size, but they all weigh different and have their own strength threshold.  This kids can dress up in astronaut outfits and the list goes on.

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Who knows – maybe future astronauts.

We spent about 3 hrs there.  We had lots of fun and I was able to speak to many Veteran volunteers, which I have great respect for.  My kids loved it because it gives them a chance to see and experience things that are directed to their freedoms.  I think I will make this a yearly trip with the family to help them remember and not take this country for granted.

Top 5 Jobs After Military Service

Monday, July 27th, 2009

So it seems like Military Personnel put so much effort into being the BEST OF THE BEST.  One would think that so many skills are obtained during service and could and should be put to good use.  So what’s out there in the job market and what does it pay?  When its time to “stand down” its also time to put skills to good use and lets be honest – money in your pocket.

Here are the top five jobs after military service.  The categories are pay and stability.

1.  Operations or Intelligence Analyst – Median Pay is $68,900 and the top earners are making $88,500.  Your security clearance is the golden ticket to a job with a defense contractor. Intelligence and operations offer a diverse set of opportunities – there are even international jobs to be had.  The 10 yr job growth percent is at 36%

2.  Network Systems Manager – Median Pay is $73,600 and the top earners are making $122,900.  You might manage network security systems or work on development, installation and modification of computer operating systems. Or you might deal with security and telecommunications issues. Almost every industry has jobs to fill.  The 10 yr job growth percent is at 38%

3.  Field Service Engineer – Median Pay is $74,900 and the top earners are making $86,900.  You’ll install, fix and maintain equipment at sites around the country, as well as repair and replace parts. You might also train others. You can work on just about anything that goes into a building or factory.  The 10 yr job growth percent is at 10%

4.  Operations Manager Logistics – Median pay is $82,500 and the top earners are making $105,200.  Logistics is a natural for vets, who have a good understanding of supply-chain procedures. There’s a broad range of work choices, from warehouses to ports to shipping-company hubs to the circus. You’ll monitor quality, cost and efficiency of moving goods (or tigers) from place to place and negotiate with customers and suppliers.  The 10 yr job growth percent is at 36%.

5.  Senior Trainer/Training Manager – Median pay is $83,500 and the top earners are making $104,300.  You’ve done this before, leading enlisted personnel through training and team building exercises. Technical trainers focus on equipment and computers. Business trainers touch on everything from procedures to branding. In addition to classroom work, you’ll design and implement programs, as well as research new training techniques.  The 10 yr job growth percent is at 26%

Everyone of these jobs pays above the national average of household income and get a B+ rating for stability.  It would also seem like a Veteran would love what they do and enjoy coming to work everyday.  I see those commercials about joining the military and they make it seem like you would be put on a great career path with tons of skills.  Well, based on this data they are correct.  I would assume that hard work and being personable would be a contributing factor to help with obtaining these jobs.  There are a lot of Military personnel who would qualify.  Being the best is usually picked, so BEST THE BEST and work hard.  The dividends payout!

A REAL American Hero

Thursday, July 23rd, 2009

ht_shifty_powers_0906116_mn I got an email from my dad today. Working with VA loans and Veterans everyday this one brought tears to my eyes. There is a viral email going around the internet requesting a memorial service for a veteran and one of the “Band of Brothers”. I have not received the email but with a little Google research I found the full text:

Fwd: Band of Brothers Hero
One of the “Band of Brothers” soldiers died on June 17, 2009.
We’re hearing a lot today about big splashy memorial services.
I want a nationwide memorial service for Darrell “Shifty” Powers.
Shifty volunteered for the airborne in WWII and served with Easy Company of the 506th Parachute Infantry Regiment, part of the 101st Airborne Infantry. If you’ve seen Band of Brothers on HBO or the History Channel, you know Shifty. His character appears in all 10 episodes, and Shifty himself is interviewed in several of them.
I met Shifty in the Philadelphia airport several years ago. I didn’t know who he was at the time. I just saw an elderly gentleman having trouble reading his ticket. I offered to help, assured him that he was at the right gate, and noticed the “Screaming Eagle”, the symbol of the 101st Airborne, on his hat.
Making conversation, I asked him if he’d been in the 101st Airborne or if his son was serving. He said quietly that he had been in the 101st. I thanked him for his service, then asked him when he served, and how many jumps he made.
Quietly and humbly, he said “Well, I guess I signed up in 1941 or so, and was in until sometime in 1945 . . . ” at which point my heart skipped.
At that point, again, very humbly, he said “I made the 5 training jumps at Toccoa, and then jumped into Normandy . . . . do you know where Normandy is?” At this point my heart stopped.
I told him yes, I know exactly where Normandy was, and I know what D-Day was. At that point he said “I also made a second jump into Holland, into Arnhem.” I was standing with a genuine war hero . . . . and then I realized that it was June, just after the anniversary of D-Day.
I asked Shifty if he was on his way back from France, and he said “Yes. And it’s real sad because these days so few of the guys are left, and those that are, lots of them can’t make the trip.” My heart was in my throat and I didn’t know what to say.
I helped Shifty get onto the plane and then realized he was back in Coach, while I was in First Class. I sent the flight attendant back to get him and said that I wanted to switch seats. When Shifty came forward, I got up out of the seat and told him I wanted him to have it, that I’d take his in coach.
He said “No, son, you enjoy that seat. Just knowing that there are still some who remember what we did and still care is enough to make an old man very happy.” His eyes were filling up as he said it. And mine are brimming up now as I write this.
Shifty died on June 17 after fighting cancer.
There was no parade.
No big event in Staples Center.
No wall to wall back to back 24×7 news coverage.
No weeping fans on television.
And that’s not right.
Let’s give Shifty his own Memorial Service, online, in our own quiet way. Please forward this email to everyone you know. Especially to the veterans.
Rest in peace, Shifty.
“A nation without heroes is nothing.”
Roberto Clemente

The best part of the story is that its all true. This article on ABC goes on to tell us that the story is not just and urban legend. I’m not sure that it could be put better than how my dad ended his email.

“Every single citizen living in a democracy in 2009 owes a huge debt to the men and women of my parent’s generation who sacrificed so much and then came home to quiet anonymity. Remember as you see the very elderly shuffling about that they were once young too and have given the best of themselves for the good of everyone.”

Thanks Shifty! and every other TRUE American hero.

Top 10 Technological Advances during Wartime (American)

Wednesday, July 22nd, 2009

Wartime is generally perceived as a time of great duress with incredibly high stakes. It can be tough to think that some of the most important scientific advances in human were born in the throes of war. But if war (ideally) is the ultimate expression of necessity, and necessity is the mother of invention, this point may find greater traction. Historically, in times of war, production goes up, spending goes down, the nation is mobilized and focused toward progress and supportive of innovation. What does than mean? Consider the list below and decide for yourself.

 

1. Atomic Energy – Absurdly efficient energy source capable of powering (or obliterating ) a large city. Used widely throughout the world. WWII

2. Anesthesia – the use of Chloroform began in the Civil War to aid Battlefield Surgeons efforts to cleanly and humanely process the injured soldiers. Shortly thereafter the movement began to gain traction in the private sector, improving medical care by cleaner surgeries and fewer infections. US Civil War.

3. Computer – We live in a wired society. Computers are part of the fabric of our daily lives at work, in the car or at home. Originally conceived and designed during WWII as a code breaking aid. WWII

4. Internet – Conceived and designed in the late 1970’s during the height of the cold war as a defense against nuclear war. The thought was that if vital government information could be stored in a virtual environment, it would be impossible to take out communications at one location. The effect of this advancement is obvious to anyone reading this.  Cold War

5. Satellite Technology – The “Space Race” fueled by the underlying Cold War gave rise to an invention that facilitated better, safer, and more meaningful intelligence gathering activities. Modern day commercial applications have expanded to include the advent of GPS, and of course cable television and wireless internet. Cold War

6. Penicillin – Discovered around the turn of the 20th century, this simple drug which came to prominence during WWII has saved Billions of lives from previously deadly bacterial infections. WWI and WWII

7. Rubber – As the Allied forces scrambled to produce the equipment that would facilitate victory against the Axis powers, a major breakthrough came with the invention of synthetic rubber. Prior to this rubber was harvested via “rubber trees” in the South Pacific and Latin/South America. The invention allowed commercial ventures to explode and grow the American economy to the world’s leading economic power. The most obvious application? Automobile tires. WWII

8. Jet Engine – Aeronautic technologies were able to “take off” in WWII & the Korean War Conflict with the invention of higher octane, more efficient super fuels, stronger and lighter engines and advances in aerodynamic engineering. Howard Hughes, the filmmaker, billionaire industrialist and international playboy pioneered many technologies which ensured unrivaled American Air superiority to this very day. WWII & Korean Conflict

9. Submarine – Incredibly, while the notion of maritime submersible vehicles have been “floating” around since the early 1600’s, the first rudimentary (yet viable) submarine was launched in 1775. American Revolutionary War

10. Pepto Bismol – Pink Bismuth may not mean much to most, but for those of us this summer who suffer with the occasional post-hot dog heartburn this is a lifesaver. Originally conceived during WWII, this product was introduced commercially directly after the war. And the rest is

 

VA loan officer explains his personal feelings about working with veteran home owners

Friday, July 17th, 2009

 I have done mortgage loans for nearly 7 years now.  Every different type, kind and term.  I feel most gratified though when I have the opportunity to work with and complete VA loans for veterans. 

There is something special about those who have served our country.  They have put their life on the line for me and I feel a sense of gratitude for that.  For example, last year in 2008 I helped refinance a commander in the Army.  He has been in the army for 22 years.  Rates dropped so far this year 2009 that we refinanced his VA loan again with a VA streamline.  Since doing his loan this time we have stayed in touch and have done some catching up.  It was great to talk again about his goals, and I recently sent him an email with some pictures of our new baby.  He responded right back to the email with an update on his family too. 

Helping veterans take advantage of the VA’s loan programs is a small benefit offered to those who have served in our armed forces.  I get excited about helping veterans finally use this program, something not available to regular civilians.  I feel proud to have helped with part of their fulfillment of dreams to own a home when I can help with their loan.  Home ownership has for decades been the hallmark of the American Dream.

I also really enjoy getting to know each veteran borrower and where they have came from, how their service in the military has changed their life, where they have traveled and served and what goals they are currently pursuing to get them the best loan to meet their needs.  Finally, I feel connected personally to my veteran borrowers because of the freedom they and those that have gone before them have offered me.  When I go camping with my family, set off fireworks on the 4th of July or even go down to the grocery store and just buy food to make dinner I often contemplate the freedom I have to come and go and do the things I please here in America.  Those freedoms have been purchased on the backs of our nations military.  And so I feel a great connection and a great respect for those I am able to serve in a small way by providing home loan services that meet their needs and expectations.

Veterans Dealing with Post Traumatic Stress Disorder

Thursday, July 16th, 2009

I have often wondered why this is an issue for both men and women in the military.  I have never served in the military so I don’t know what it would be like to always be on my guard and paranoid of attack and learning to suppress my feelings and taking orders all the time.  I can imaging for Veterans that it must be difficult to adapt to civilian life after years of service.  In my line of work I get the privilege of working with Veterans everyday and sometimes it comes up in conversation.  So what is going on to help deal with this situation?

Let me refer to an article that was published in Utah to help Veterans specifically to help deal with PTSD. 

Dozens of Veterans are up in Park City for a week-long retreat, and they all have a few things in common.  They all suffer from post-traumatic stress disorder.  Veterans back from war are invited to an outdoor retreat to meet others who are also dealing with the memories of war and dealing with PTSD.  It can be intense for the Veterans, but its also a lot of fun!  They are learning how to breath again and relax.  Veteran Erika Vandenberg said, “In Iraq and Afghanistan you were on alert all the time.  You didn’t know who was your friend or enemy, so you were always on alert”.  These Veterans can’t sleep and they’ve shut people out.  “Anxiety around people, being in a crowd, I still have issues with that” Vandenberg said.

The Veterans participate in team-building exercises, learning how to trust and cope with civilian life again, now that they are out of the military.  “Being in the Marine Corp. for six years does a lot to you,” said Veteran Rodriquez.  “You have to hide a lot of emotions and feelings”.

This retreat is a big step for those Veterans who attended and I can imagine that they all want the lives they had before they left for war.

There are things like this going on all over the country and there are support groups that are here to help those who continue to defend our freedoms. 

WHAT IS PTSD?

  • You have reoccurring flashbacks and/or nightmares
  • You avoid anything that reminds you of the trauma you experienced
  • You have a heightened state of arousal or anxiety that makes it hard to fall asleep or stay asleep
  • You have trouble controlling your anger–this may or may not include aggression or violence, you just feel a lot of anger
  • You are hyper vigilant–meaning, you are almost always on the alert, looking around, watching other people, etc. as if you were expecting some kind of attack or crisis
  • This does not only affect the Veteran but it also affects their families too.  I know that there is help for this and I also recognize that some Veterans would not take advantage of that help because they might feel inadequate in admitting they suffer from the symptoms mentioned above, especially if they have learned to reject or “hide” their feelings due to the nature of how they have been trained.  The bottom line is this – you cannot let this go and it must be dealt with when its recognized.  A Vietnam Veteran named Randy Vest said it took him 30 years to finally get life back to normal.  This is probably an extreme case because of how the Veterans were treated after the Vietnam War.  The point is, the sooner a Veteran gets help the sooner life gets back to normal.  Look at it like this – Its just like combat, you don’t quit in the middle of it.  You just keep going until the mission is accomplished.

    I didn’t want this to be taken as a charity plead for Veterans, I am simply point out that there are things being done to help our countries Veterans who suffer from PTSD.  Many Veterans don’t have PTSD and as far as I know there is no clues as to determine why some do and some don’t.  For those Veterans that don’t then please offer your friendship and advice to those that do.  If you are a Veteran that does then please contact your local Dept of Veteran Affairs and they can help.  Norman Schwarzkopf said “The truth of the matter is that you always know the right thing to do.  The hard part is doing it”

    Good luck – we are with you all the way.