Archive for January, 2012

3 Reasons to Allow War Play in Your Early Childhood Classroom

Friday, January 27th, 2012

child with camo facepaintMany child care programs ban any play that involves guns, fighting or killing, “bad guys,” or anything that resembles physical aggression. And I understand the intent of those restrictions. We all want a peaceful classroom. We all want to encourage children to compromise and negotiate with one another instead of using force to solve conflicts. We’re afraid that if we let children pretend to fight then they will become more aggressive in real life. I understand the desire to steer children away from aggression, and enforcing a simple, firm rule is admittedly the easiest and most popular strategy for getting there.

But having a hard-and-fast “No War Play” rule can do more harm than good when a child has a parent in the military. For these children, pretending to be a soldier is about so probably not about aggression at all.

War play allows them to identify with their parent. A hallmark of early dramatic play is pretending to be like Mom or Dad – it’s what young children do as they try on the roles of the people they know best. For children with a parent in the military, part of developing and expressing the bond they have with their parent is taking on the role of that parent at work. Telling a child that he or she can’t play that role conveys to the child that something is wrong or shameful about the work that his  or her parent does, a message that creates enormous conflict for a child.

War play helps them to cope with their emotions. One of the many benefits of pretend play for young children is that it allows them to imagine themselves in frightening or intimidating circumstances. In play, the real-life fears and worries that a child is experiencing internally can be brought out in the open where she has control. Perhaps she’s feeling abandoned after her father is deployed or fearful for his safety. In play, she creates a scenario where she is powerful and courageous in the face of those feelings, where the ending is entirely up to her. And when the feelings get too intense, she can stop the play or change it to something less frightening. Children in military families have very little control over the circumstances they must live in. Pretend play gives them a place where they have complete control and serves to ease their powerful emotions.

War play enables them to communicate what they’re thinking and feeling. There is no better way to learn what a child is thinking or feeling than to observe him in pretend play. When young children are fully engrossed in pretend play, their words and actions are more uninhibited than any other time. So when children who have a parent in the military are pretend playing, it’s very likely that a good observer will see and hear what they are thinking and feeling about the situation. Are they angry? Proud? Confused? Excited? Afraid? Alone? Listening to their play can reveal volumes about their unique, child-like perception. It’s especially important to pay attention to their play around the time of important transitions: the deployment or homecoming of the parent, an upcoming relocation, etc.

So am I saying to remove all restrictions on war play and allow unbridled aggression toward one another? Not at all. All young children need to feel safe in their classroom. Any play that causes children to be afraid of getting hurt or that treats others or the play environment disrespectfully needs to be off limits. What I am suggesting is that we be willing to consider how to allow military children the opportunity to use play about war situations to fill their emotional needs without compromising the emotional and physical safety of other children.

That will take some effort, some thoughtful conversations with parents and other teachers, and some careful observations of children at play. Personally, I think the benefits to military children are well worth it!

  • What do you think? Do you agree or disagree?
  • How have you dealt with war play? What has worked well for maintaining the balance between the needs of the military child and the needs of the classroom as a whole?
  • What suggestions would you offer other early educators who are new at allowing war play and are a little nervous?

For more thoughts about military children’s war play and how to keep it safe for everyone, we’re written two full-length articles:

Other resources on pretend play in general:

 

Military Caregiving–The Essence of Communication

Thursday, January 26th, 2012


The single biggest problem in communication is the illusion that it has taken place. –George Bernard Shaw

Lack of communication can be an underlying problem in caregiving relationships with their wounded warriors, health care providers and family and friends. While you are unable to fully treat your service member’s injury as a caregiver, you are able to improve the rehabilitation process through effective communication.

Through the course of your caregiving journey you must rely on your communication skills with your loved one to obtain and share information, grow and adapt to change, to understand your warrior’s needs, and to stay connected with others.

Communicating with your wounded warrior

According to the Journal of Pain and Palliative Care Pharmacotherapy, communication is significant to your long-term relationship with one another. Caregiving demands can make it difficult to balance other roles of being a husband, wife, partner or parent. Do not be afraid to ask questions for fear of offending your service member. Talking about your concerns with your wounded warrior offers support and provides an opportunity to reassure each other.

  • Allow each other to talk about what you are feeling
  • Share the things you each do to cope with overwhelming emotions
  • Identify topics that are stressful for you
  • Try to not judge each other
  • Discuss issues of intimacy
  • Talk with a counselor or clergy member
  • Protect your time together
  • Talk about hopes that you each have for the future

Communicating with Health Care Providers

Medical appointments can be stressful. It is important to learn about your warrior’s medical conditions and understand the information you receive. Preparing for an appointment ahead of time can help you, your family member and his/her health care providers obtain important information you each need.

  • Jot down key questions or points you want to discuss with the doctor.
  • Keep a folder of your family member’s medical information. Bring it to each visit.
  • Talk to the doctor or nurse case manager about your worries.
  • Report any major changes you observe in your service member’s symptoms, mood, abilities or daily activities.
  • Take notes during medical visits.
  • Meet with your service member’s Warrior Transition Unit (WTU) and their Triad of Care or health care team to discuss ‘next steps’ in the Comprehensive Transition Plan (CTP) or care plan.

Communicating with family and friends

You may feel alone in your caregiving duties and that no one else understands. Asking for help is not easy but it may be the best way for you to stay healthy and continue giving care. Help others to understand by letting them know what they can do to help out–and how often you want their assistance.

Be honest about what you can and cannot do. Think about all the things you do each day. What tasks can others do to free up some of your time or to ease your work load?

  • Fix a meal
  • Clean
  • Run errands
  • Do yard work
  • Provide childcare
  • Help with finances
  • Give you opportunities to talk or share feelings
  • Drive family members to appointments

Caregiving can be both challenging and satisfying. Learning how to effectively communicate is the essential building-blocks to your journey ahead.

If you are a veteran caregiver, what advice could you offer to our younger generation of caregivers to improve their relationships with their wounded warriors?

 

Housing & Foreclosure Web Conference

Wednesday, January 25th, 2012

The Personal Finance concentration of the Military Families Learning Network invites you to participate in a 90 minute web conference on Housing and Foreclosure for Military Families on Thursday, February 2 at 11 a.m. EST. This AFCPE-approved presentation will offer 1.5 CEUs to participants.

This seminar will:
• Present solutions to preventing, alternatives and navigation strategies for families facing foreclosure
• Give strategies for families who have homes that are “underwater,” including tips on what to do if the home has lost significant value
• Understand various foreclosure prevention options
• Identify the appropriate waterfall process when applying options for foreclosure prevention
• Understanding the role of a HUD-approved counselor within this process
• Typical paperwork a client will need to gather when working with the financial institution.

Presenters:
Laura Royer, Extension Faculty in Family and Consumer Sciences at the University of Florida and Florida Extension. She holds HUD certifications and provides loan modification counseling. Royer will be joined by Brandon Peterson who is a Housing Counselor or Co-Coordinator of the Florida Master Money Mentor Program, of Florida’s Family, Youth and Community Sciences, also at the University of Florida. Peterson is also HUD-certified.

Audience:
This 90 minute web conference will be presented for professional Personal Finance Managers who work with Military Families.

• No registration is required to attend this event. Simply log on to https://connect.extension.iastate.edu/milfam as a “guest” a few minutes before 11 a.m. on Feb. 2.
• To earn the CEUs, participants can type their first and last name into the chat box during the presentation.
• To learn more about the Personal Finance concentration of the Military Families Learning Network, please click here.
• Selected research articles have been identified to enhance this web conference for participants. These readings can be found by clicking here.

Supporting Quality Childcare for Military Families

Wednesday, January 25th, 2012

The research is clear, children who have high quality early-childhood experiences are more likely to have positive social skill development and are more likely to succeed in school.  Not surprisingly, this is the kind of environment all of us want for our children; however, for some families, especially those who are in the military, there are often fewer options for quality childcare.  With these thoughts in mind, the purpose of the Child Care and Youth Training and Technical Assistance Project (CYTTAP) is to increase the quality and quantity of early childhood education for those military families who live off-installation in 13 targeted states. The thirteen targeted states are Alaska, California, Colorado, Delaware, Florida, Indiana, Kansas, Kentucky, North Carolina, Texas, Virginia, Vermont, and Washington.

These states have been chosen because of their high deployment rates and high percentages of military families who live off-installation.  Funded through a partnership between the Department of Defense and the National Institute of Food and Agriculture (a part of USDA), the CYTTAP provides educational programs for child care providers that will in turn prepare the children of military families to be successful as they enter the school system. The long-term goal is to ensure that military-connected children receive high quality care that empowers them to be ready for school and demonstrate improved educational outcomes.  The end result is Military-ready service members who are confident that their children have access to high quality, stable child care.

Using “Auto-Pilot” to Start Budgeting

Tuesday, January 24th, 2012

By Carolyn Bird with Molly Herndon

At the end of last year, a freelance reporter contacted me with a request to provide “steps that disorganized, messy, resolution-proof people can take to shore up and improve their financial situations.” In the reporter’s language, the information “is for people who are unlikely to make — much less keep a real budget.’

Here are some effective strategies to help your clients manage and improve their financial situation in the New Year. By investing a little time to put some systems in place, a person can save time and money throughout the year.

First, check to see how much money is coming in and how often. A good place to start is with “take home” pay. This is the amount that your client or her employer deposits into the client’s bank account.

Second, sort the bills into those that have the same amount due every month and those for which the amounts vary. The payments that do not change are called “fixed expenses” and include bills such as rent or mortgage. Some utilities may fall into this category as well, such as; cable television, Internet provider service, cell phone contract amount (if you stay within your plan). Even the electric and other utilities can be a fixed dollar amount each month if the provider offers a “budget plan” that averages annual usage over 12 months. Suggest that your clients check with their gas and/or electric service provider to see if a budget plan is available.

Third, if your client is paid more than once per month, decide which bills will be paid during each income period. Clients may need to allocate half of the amount from two pay periods during the month to pay the larger bills such as rent or mortgage.

Fourth, encourage clients to use the electronic bill pay service offered at their financial institution. Using the information on the company’s invoice or bill, clients can set up payment for each of the fixed payment bills. The key is to be sure to select a payment date so the payment will arrive on time. One final check after setting up accounts for payment is to remember to verify that each bill is accounted for in its income period. This will help avoid overspending for an income period.

Fifth, clients can use a calendar and mark “online dates” for paying bills. These dates will likely be close to the client’s payday. For example, if your client will be paid on February 1st, then February 1st or 2nd might be good days for an online date. On the selected date, your client can log into his account and approve the bills for payment. It is possible to set payments for automatic processing on a certain date but I suggest that those new to budgeting use the manual processing procedure. Manual processing provides one more opportunity to double-check the numbers, and if there is an error, to avoid over-spending. Using this method will reduce the time needed to manage monthly finances and it will help the client avoid fees from late payments or bounced checks. For example, if your client carries a credit card balance setting up an automatic payment for at least the minimum amount due will avoid late fees. Additional payments can always be made in the same or a different pay period.

If the due dates are too close to pay dates to allow the payments to arrive on-time, your client can contact each company and ask for a later due date. Be aware that it may take one or two billing cycles for the due date change to take place. Another technique to avoid account overdraft is to establish an account dedicated to bill payments. This is particularly useful for clients who don’t keep a running balance for the checking or transaction account. A separate bill-payment account can reduce bill-paying stress. Each pay period, the necessary amount of money to cover the bills or the amount of money to be allocated against a bill (like rent or mortgage) is transferred to the bill-payment account. This way, a forgotten ATM transaction will not jeopardize the ability to pay bills. A dedicated bill-payment account can be an effective way for dual income couples to contribute to and manage household bill payments.

Now that your client has identified how much income is devoted to fixed payments, the balance can be allocated across variable expenses.

Other tips for managing money on the go:
• Set up an alert for notification when a deposit is made to an account.
• Set up an automatic transfer from checking to savings; start with what you can afford and increase it over
time. This can be $5 or $10.
• Set up an alert for when the account balance falls to a certain amount, it might $100, $50 or whatever
number is meaningful for your client. What the alert means will be individual to your client. But in any case
it is a signal to seriously consider each financial transaction. How your client responds will vary from
curtailing eating out, skipping an outing with friends, or resisting a clothing purchase. The important thing
is for your client to decide what will help him to live within his income and to tailor the alert accordingly.

Lastly, these strategies are great steps toward establishing a budget. The budget is a tool that helps identify where the money goes each month. It offers an opportunity to decide if your money is really being spent the way you would like. The budget works for your client to help him meet financial goals. It may be useful to provide your client with a spending tracking tool, like this one .

A budget can also remind us that while a cost is fixed in the short run, it is variable in the long run. This means that if a utility expense (such as cell phone, cable, Internet, etc.) is too high, it may not be possible to reduce the rate right now but your client can shop for a better rate when the contract nears renewal. Or your client may decide to do away with a service for a while. Similarly, your client can look for a more reasonable place to live or one that is closer to work to reduce the cost of housing or transportation. By highlighting spending choices that may not be working so well, a budget can be used as a comparative tool when considering spending alternatives.
This blog focuses on the national core competency of “spending.” The competency behaviors discussed included: tracking spending and living within your means.

Are your clients or program participants using automatic banking features to help them better manage their finances? What tips and techniques are they using?

Kids Deploy Too!

Monday, January 23rd, 2012

Kids Deploy Too!

Deployed Military Kids

We have all participated in information sharing regarding military families and deployment. We discuss how to support the “solo parenting” partner left behind, how to help the deployed parent remain connected to his or her family, and how to support the co-parenting efforts of these families. However, one thing not readily discussed is programming designed to support our “deployed” military children.

Our military children grow up through multiple deployments, often leaving them without one or both parents for extended periods of time. These separations take their toll and our military kids must do what they can to get through.

The Department of Defense and the National Center for Telehealth & Technology recognized a need to support these military kids, and they are doing just that, with the development of a new website called MilitaryKidsConnect.org. The site was designed to do exactly what the name implies. Military Kids Connect strives to help prepare our military children for the challenges they face during the significant parental deployments and family transitions they experience every day.

MilitaryKidsConnect, affectionately referred to as MKC is an online community developed specifically for military children (ages 6-17 yr old). MKC provides military kids with a safe and secure environment where they can access age-appropriate resources designed to support children from pre-deployment, through a parent’s or caregiver’s return.

MKC is packed full of fun designed just for kids! Once logged in your kids will have access to games, activities, helpful videos of other kids who have been through deployments, and user surveys all designed to reinforce resilience, understanding, and coping skills in your military children and their peers. In order to develop a sense of connectivity with other military children, there are also message boards (parental approval required), interactive maps, a personal scrapbooking application and more.

MKC Logo

 

According to the MKC website: “Through participation in MKC‘s monitored online forums, children can share their own ideas, experiences, and suggestions with other military children, helping them to know they are not alone in dealing with the stresses of deployment.”

 

 

As with other sites open to our children, safety is the number one priority for MKC. The webmasters have provided parental access to control and monitor your child’s activities on the site. Parents and caregivers can login and navigate the site prior to their child’s participation so that they are aware of the activities and content their child(ren) will see and use. In addition to this, top security measures are in place to prevent undesirable persons from interacting with the children on the MKC site.

For more information on MilitaryKidsConnect .org see the following video: https://www.militarykidsconnect.org/resources/press/MilitaryKidsConnect_Overview.mp4

Your Next Big Professional Leap

Tuesday, January 17th, 2012
AleX NetLit

This is part of the “Hi, AleX” series — advice to AleX NetLit about enhancing her levels of network literacy through day-to-day personal and professional social networking. AleX Netlit is a fictional persona created by Network Literacy Community of Practice to serve as a guide to Military Families Service professionals, Cooperative Extension educators and others seeking to learn more about using online networks in their work.

@AlexNetLit on Twitter
More about Alex NetLit

 

 

Hi, AleX:

I know you’re making great headway understanding this whole networking thing, and I venture to say that you’re close to your next professional leap.

However, before you take this leap, you need to understand how this new networked environment is changing the way you work with your clients.

leap

leap - used under Creative Commons license from http://www.flickr.com/photos/jhf/3448454258/

You will no longer be serving the normative role you once did.  Before the advent of networking, you were essentially one among a relatively select handful of vanguards who helped define standards on behalf of your clients.

Now, you, like countless other people all over the world, are making the transition from a normative to nodal professional.  You be one of millions of nodes within a vastly extended informational network in which all sorts of people — experts and clients, or more accurately, former clients — interact within an information landscape that is more open and democratic than ever before.

But that doesn’t mean you will lack value or that your role will be diminished. Far from it: you’re better prepared than many of your peers to operate in this new world because you have always prided yourself on building the skills that best equip you for your next leap.

The new information order values people like you — the reason why you are well suited to serving two emerging and important roles as editor and curator.

In case you haven’t noticed, despite all the remarkable strides that have been made in organizing and prioritizing knowledge on the Web, plenty of people are still threatened by it. They view all these algorithmically generated pages and they’re led to wonder: Is all this really what I’m looking for? Are these pages really the very best the Web has to offer me?

Small wonder why the late Steve Jobs observed that there will be a greater need than ever for skilled editors to sift through this content and to improve it on behalf of end users.

Many of your end users are no exception: they need help sifting through all this dense information.

That’s where you have a valuable role to serve, AleX. You’ve spent years striving to be a trusted professional — that’s your strong suit.  The times are calling on you to take an even greater professional leap by transforming yourself into both an editor and curator.

As writer Britanny Morin related recently, it takes a special person to be an editor, someone who can improve the Web-based content of others.  But it takes an unusually special person to be both an editor and a curator. By curator, I mean someone who can choose among the different sources of information to provide the best ones available to your end users, often adding new ideas and perspectives.

Yes, skills and professional convictions fully equip you for this role, AleX.   As Morin so aptly describes it, you are one of those special professionals whom people can “relate to and trust and who have expertise, real life experiences, and the ability to filter through and share bold perspectives.”

You are a natural-born editor and curator, AleX.

Now go out and set the world on fire.

Author: Jim Langcuster (@extensionguy)

Creative Commons License
This work is licensed under a Creative Commons Attribution 3.0 Unported License.

 

Foreclosures to Get Review

Thursday, January 12th, 2012

Contributions by Molly C. Herndon and Carolyn Bird

The Office of the Comptroller of the Currency announced in November 2011 consumers may request an Independent Foreclosure Review of foreclosure cases that occurred between Jan. 1, 2009 and Dec. 31, 2010. The deadline to request a review is approaching. This process was ordered after regulators found unsound lending, servicing and foreclosure practices among large lending companies. Foreclosures against homes owned by service members will also be reviewed to determine if the action was in violation of the Service Members Civil Relief Act. The deadline to file a request for review is April 30, 2012.

Borrowers who faced foreclosure during these two years on their primary residence can request a review of the case if they believe they suffered “financial injury” as a result of the process. Financially injurious situations include, but are not limited to:
• The mortgage balance at the time of the foreclosure was more than was actually owed on the property.
• Fees were charged, or mortgage payments were inaccurately calculated, processed or applied.
• The borrower followed the guidelines of a Modification Agreement with the lender, but the foreclosure sale still took place.
• The foreclosure action took place while the borrower was protected by bankruptcy.
• The foreclosure proceeded against a Military service member and was in violation of the Service Members Civil Relief Act protections.

Borrowers who faced foreclosure during these two years and believe the process resulted in financial injury may request a review if their loan was secured from one of the lenders listed below:
• America’s Saving Company
• Aurora Loan Services
• Bank of America
• Beneficial
• Chase
• Citibank
• CitiFinancial
• Citi Mortgage
• Country-Wide
• EMC
• EverBank/ Everhome
• Freedom Financial
• GMAC Mortgage
• HFC
• HSBC
• IndyMac Mortgage Services
• MetLife Bank
• National City
• PNC
• Sovereign Bank
• Sun-Trust Mortgage
• U.S. Bank
• Wachovia
• Washington Mutual
• Wells Fargo

The review process will determine if errors were made during their foreclosure process, and, if financial injury was sustained, the borrower may be eligible for compensation.

To assist clients in determining their eligibility, prior to the April 30 deadline, call (888) 952-9105, Monday through Friday, 8 a.m.-10 p.m. and on Saturdays from 8 a.m.-5 p.m. For more details about this review process, visit www.IndependentForeclosureReview.com and www.occ.gov/independentforeclosurereview

Military Caregivers: Understanding the invisible wounds of war

Monday, January 9th, 2012

With the war in Afghanistan and Iraq coming to a close, servicemen and women are returning home to their long awaited family and friends. While their homecoming is bitter sweet, the challenges of reintegration from combat to civilian life can be stressful on these service members and their families.

During deployments service members experience long periods of extreme stress, endure intense battlefield activity that poses personal harm and involves the taking of life, experience their own injuries, and witness the injuries and deaths of others.

The effects of war may have an impact on the mental and emotional well-being of your returning service member. Many survivors of a traumatic event return to normal with time, whereas others take longer to heal–these individuals may develop posttraumatic stress disorder (PTSD).

PTSD is an anxiety disorder or condition that can be characterized as a silent, invisible injury common in military personnel who have been exposed to traumatic events while performing their military responsibilities.

If your loved one recently returned home from war, look for signs and symptoms that he or she may be exhibiting PTSD.

Symptoms include:

  • Difficulty sleeping
  • Nightmares
  • Unwanted thoughts or memories
  • Panic attacks
  • Angry or irritable
  • Excessive use of alcohol
  • Scared
  • Confused

Living with a service member who suffers from PTSD can be difficult, learn how you can better understand this invisible wound and strategies for helping and coping with the situation by going to Caring for Those with Posttraumatic Stress Disorder.

Also, watch Veterans’ Voices on PTSD and hear stories from veterans who have experienced PTSD. These veterans share their emotions, actions, and symptoms caused by PTSD and what they did to overcome the invisible wounds of war.

Are you caring for a wounded warrior who suffered injuries from an improvised explosive device (IED)?

Tuesday, January 3rd, 2012

Photo provided by the U.S. Army

In a recent question to our Military Families website, an individual shared with us that their neighbor’s son stepped on an improvised explosive device (IED) while serving in Afghanistan and wanted to know if we could provide them with any information or support services.

My initial reaction was heartfelt sympathy for those families that are struggling from the effects of war.  Secondly, I ask myself what advice can I offer an individual in this particular situation–who at this very moment is unaware that their role as family member, spouse, partner or friend is forever changing to the role as military caregiver.

Caring for a service member who has suffered injuries from an IED blast can be overwhelming, as is caring for anyone injured in combat. An IED, in laymen terms, is known as a roadside bomb or a homemade bomb. According to the Department of Defense, Personnel and Military Casualty Statistics, IEDs have caused over 70 percent of all American combat casualties in Iraq and 50 percent of combat casualties in Afghanistan, both killed and wounded.

Depending on your wounded warrior’s military branch (Air Force, Army, Coast Guard, Marine Corps, National Guard, Navy) notification of your loved one wounded in combat differs, as does the specific military injury.

Once you get the call

While military spouses and family members hope never to receive a call that their service member has been wounded, it is important to be aware of the life-changing events that are about to unfold. To learn more about the notification process and tips to prepare you in the event your loved one is injured, check out Once You Get the Call!.

Once You Get the Call! not only includes information about the notifications process and tips but also includes contact information to the Department of the Army’s Wounded in Action Branch (DA WIA). The contact information will allow you to directly talk to a representative about the status of your wounded warrior IF he/she is in the Army.  Also, if your military family member is in the Army, it may be helpful to contact his/her installation base’s Warrior in Transition Battalion (WTB). The WTB will aid in any information as it relates to injured service members and IED blasts.

Connecting with caregivers

When researching information about IEDs and caregiver support services, I truly believe the best place to start is to connect with caregivers who have already experienced this type of situation. While no wounded warrior experience is the same, utilizing veteran caregivers may be beneficial in receiving feedback on such topics as:

For specific caregiver contact information, I suggest contacting Denise Mettie (dcmettie@hotmail.com). Denise is a veteran caregiver to her son Evan, who was injured in 2006 when his Humvee ran over an IED. Her son Evan, suffers from severe traumatic brain injury due to shrapnel from the IED blast. Denise can share an insight into her experiences that may help you during this time.

In addition to contacting Denise, it may be helpful to follow Colleen Saffron, a Voice of Warriors columnist. The Voice of Warriors gives an insight into Colleen’s trials and tribulations as a military family caregiver and offers advice to caregivers in similar caregiving situations.

Colleen’s husband was wounded in 2004 from an IED explosion as well. Colleen founded, “Operation Life Transformed,” a nonprofit group that trains families of wounded service members so they can work from home while caring for their loved ones. Colleen is very familiar with Veterans Affairs, the WTB and the Army Wounded Warrior Program. Also, she continues to be involved with advocacy and awareness for families of wounded service members. To learn more about Colleen’s story go to: U.S. Army Face of Strength.