Archive for June, 2012

9 Important $kills for Talking About Money Webinar Recap

Wednesday, June 27th, 2012

If you were among the 167 participants in Dr. Victor Harris’ June 26th web conference, we thank you for joining in.  For the first time Military Families Learning Network hosted our conference on the DOD/DCA web conferencing system and we were thrilled to see such a large turn out.

Dr. Harris shared with participants the 9 important communication skills curriculum based on Dr. John Gottman’s work with couples and communication within relationships. Of note were the “4 Don’ts of Communication,” which include:

  1. Criticism
  2. Defensiveness
  3. Contempt
  4. Withdrawing

Dr. Harris discussed alternatives to these emotions by detailing 5 skills to use in tense situations:

  1. Calm down
  2. Speak non-defensively
  3. Use specific complaints
  4. Validate
  5. Overlearn the 9 skills

Discussion of financial topics can frequently lead to arguments and stress among couples; adopting these skills will assist families to effectively discuss and manage their finances.

Dr. Harris and many participants shared some of their favorite resources for communication and financial topics. If you have others to share, please leave them in the comments section.

The DOD/DCA web conference hosting system requires the installation of security certificates on computers not located on military installations. If this prevented you from joining this conference, please review these instructions for installation on a PC. If you are using a Mac, or if you need assistance in installing the certificates on a PC, please email Anne Adrian at aadrian@extension.org. We hope all interested participants will be able to make the installation in advance of our upcoming retirement series in July.

However, you still have the opportunity to earn the 1.5 CEUs from the 9 Important $kills for Talking About Money web conference by reviewing the archived recording of the presentation and taking a short quiz. Instructions for registering for the quiz website can be found here.

Please check out information about upcoming July retirement series. The first, on July 10 at 2 p.m. ET, will cover the wide variety of options for retirement savings. The second, on July 25 at 1 p.m. ET, will focus on the Thrift Savings Plan. Please save the dates for this wonderful series.  We hope to see you there!

 

Center for Courageous Kids Wounded Warrior Camp

Friday, June 22nd, 2012

Attention military family caregivers, are you looking for ways to reconnect your wounded service member with their teenager?  Here is your opportunity.

The University of Kentucky, Family and Consumer Sciences Extension is hosting the Center for Courageous Kids Wounded Warrior Camp,  August 31–September 2, 2012 for wounded service members and their teenagers, ages 14–18 years old .

The wounded warrior camp is a FREE, three-day adventure for families from all states and branches of the military.

The Center for Courageous Kids is a world-class medical camping facility located in Scottsville, KY, that provides services to children, preteens, and teenagers and their families across the nation who are living with variety of medical conditions.

The Center for Courageous Kids is a state-of-the-art facility that offers programs to fit the needs of every wounded service member. The wounded warrior camp allows individuals to enjoy a variety of activities as a parent-child team, including horseback riding, fishing, archery, rock climbing, basketball, campfires, canoeing, woodworking, bowling, swimming and having a great time.

For more information and registering for this event go to: http://www.ca.uky.edu/hes/fcs/militarycamp/

 

Upcoming Personal Finance Webinar: 9 Important $kills for Talking About Money

Tuesday, June 19th, 2012

Dr. Victor Harris of the University of Florida will present the Personal Finance web conference on Tuesday, June 26 at 2 p.m. ET. “9 Important $kills for Talking About Money” will use research from Dr. John Gottman’s studies of couple communication.

Talking about finances can be difficult, so many couples avoid the topic altogether, which leads to conflicts and disagreements. This web conference will provide strategies for successfully discussing finances and will give participants skills they can practice during the conference and at home.

Our team and Dr. Harris have identified a number of online resources that support the topics to be discussed in this web conference. To review this list, click here. AFC-credentialed participants can earn 1.5 CEUs from AFCPE for participating in this 90-minute web conference.

This web presentation will be the first the Military Families Learning Network has hosted on the Department of Defense’s Adobe Connect webinar hosting platform. If you are new to this system, please test your computer by completing the steps here prior to the day of the web conference. To join the web conference, log in here as a “guest” a few minutes before 2 p.m. ET on June 26.

Do you have questions you’d like to share with our presenter? Leave them here in the comments and we’ll share them during the web conference.

 

PTSD Awareness Month

Monday, June 18th, 2012

This month is PTSD Awareness Month, and organizations and institutions across the nation are raising awareness concerning this invisible injury by providing information and assistance for those struggling with the condition and those that continue to provide care to them.

According to the Military Health System (MHS), since 2008 an estimated 39,300 patients have been diagnosed with posttraumatic stress disorder (PTSD) (National Defense Authorization Act, 2008). As service members continue to return home from combat, the number of individuals experiencing PTSD may increase.

PTSD is a debilitating condition that is common in service member who have been exposed to traumatic events while performing their military duties. PTSD is considered a silent, invisible injury that can cause sleep disturbance, unwanted thoughts or memories, excessive anger or irritability, and the use of large amounts of alcohol.

If you are a service member struggling with PTSD or know someone that is, it may be helpful for you to take a closer look at what the Department of Veterans Affairs, National Center for PTSD has to offer.

Also, the following video, Caring for Those with Posttraumatic Stress Disorder, offers insight into caring for service members with PTSD and information and tips for military family caregivers caring for wounded warriors with this particular injury.

How can you provide proper care for wounded warrior with PTSD?

LinkedIn Password Breach: Protect Your Passwords!

Thursday, June 7th, 2012

 

cc licensed ( BY NC ) flickr photo by totumweb

LinkedIn, a networking site for professionals, has confirmed that some of the passwords in a set of over six million hashed passwords uploaded to an online forum by a hacker, correspond to LinkedIn accounts (full story from PCMag).

The security breach at “the world’s largest professional network on the Internet, with 161 million members in over 200 countries and territories” (link), provides an opportune moment for users to think about their personal password policy.

If you use LinkedIn

If you are a member of the LinkedIn network, you should change your password. If you use the same password on other sites, you should change your password on those sites, as well.

If you don’t use LinkedIn

While the currently reported breach involves passwords from LinkedIn and eHarmony, all users should reflect on their current use of passwords. If you can answer yes to any of the following questions, you should change the passwords you are using:

  • I use a common word for my password.
  • My password is less than eight characters long.
  • I use the same password on multiple sites.
  • My password is among those most commonly used.

Password tips

In response to the password leak, LinkedIn has a blog post recommending users change their passwords that includes some account security and privacy best practices. Some recommendations when choosing a password:

  • Longer passwords are better than shorter ones
  • Use a variety of character types (e.g., uppercase, numbers, punctuation marks, etc.)
  • Use a different password for each site
  • Periodically change passwords

Managing passwords

Remembering a different complex password for each site you use is a challenge. There are password management tools available to help, ranging from built-in browser tools to stand-alone applications. Whether or not you can use these tools may depend on the policies of your employer. While writing down your passwords with pen and paper is not generally recommended, it may be preferable to using the same weak password on multiple sites.

What was leaked?

The data uploaded to a forum contained 6,458,020 hashed passwords, but the associated email addresses were not included. It’s not clear if the people in possession of the hashed passwords also have the email addresses, which would be necessary to use the passwords to log in.

What’s a hashed password?

Most systems don’t store a user’s password in plain text, but instead store a value that results from applying a cryptographic algorithm (hash) to the password. The resulting value is referred to as a “hashed password.”

For example, the value “1234567890” when hashed with SHA-1 algorithm (the same algorithm  used by LinkedIn) results in a hashed password of “01b307acba4f54f55aafc33bb06bbbf6ca803e9a”. When a user enters their password, it is hashed, and the hashed values are compared to determine if it is the correct password.

Storing hashed passwords provides an additional layer of security, since a breach like this doesn’t result in the plain-text passwords being leaked. However, because the algorithm used to hash the passwords is known, it is possible for an attacker to create a table that contains possible passwords and their corresponding hashes. It is then a matter of looking for the hashed password in the table and matching it to the corresponding plain-text password.

Since it would be difficult to construct a table of all possible passwords, these tables will typically be constructed using short and common passwords (one reason users should select long and complex passwords.)

More information

Stay safe online – Passwords – Good to Know Campaign by Google

Create strong passwords – Microsoft Safety & Security Center

Password recommendations – CERN Computer Security

 

Author: Stephen Judd (@sjudd)

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

 

Military Caregiving–Caring for Those with Chronic Pain

Monday, June 4th, 2012

Chronic PainPain is one of the most frequently reported symptoms by service members returning from military deployment seeking medical assistance. As a caregiver, understanding and managing the physical and psychological pain of your wounded warrior can play an important role in his or her rehabilitation and reintegration process.

Chronic pain has the potential to significantly affect your loved one during the recovery phase. According to the American Chronic Pain Association, chronic pain is pain that continues beyond an expected healing period of an injury. The pain can linger even if your warrior is no longer ill or injured and in some cases, exist even if an injury is absent.

Chronic pain can come from just normal wear and tear on the body or from aging. During military operations, however, chronic pain may come from combat-related injuries or day-to-day military activities. Many service members that sustain less traumatic wounds return home with back problems, joint immobility, or other ailments. There can be consequences if your service member does not seek immediate attention for his or her chronic pain.

Potential dangers of untreated chronic pain

  • Isolation
  • Substance abuse
  • Physical deconditioned or loss of physical fitness
  • Sleep disturbance
  • Reduced sexual activity
  • Impaired ability to work
  • Lower self-esteem
  • Irritability
  • Depression

Everyone is different and perceives pain in different ways. Those who suffer from chronic pain are less likely to function in simple day-to-day activities such as walking, sitting, standing, lifting or even touching objects.

Be aware of signs that indicate your loved one may be in pain:

  • Facial expression, such as grimacing
  • Heavy breathing
  • Unusual body movements (such as limping)
  • Behavioral changes (such as not wanting to eat or sleep)
  • Emotional (such as irritable or crying)

Chronic PainService Members Battling Pain

While coping with chronic pain may seem overwhelming at times, military personnel can learn ways to manage their chronic pain and restore their lives to a more productive and meaningful life.

  • Develop a comprehensive treatment plan with your doctor or nurse care manager.
  • Speak up to your healthcare provider; describe your pain and any activities that lessen or increase their pain.
  • Participate in the treatment process early on.
  • Set realistic goals with your healthcare provider concerning treatment plans.
  • Write down any questions or concerns you may have before each appointment.
  • Know your limitations when it comes to overexertion.
  • Keep up with regular sleep schedules.
  • Eat healthy.
  • Exercise regularly.
  • Realize that there will be good and bad days.
  • Talk to your doctor or nurse care manager about support groups for warriors in similar chronic pain situations.
  • Track your pain episodes. Write down how long the pain lasts, the severity of the pain and activities that may have brought about pain.
  • Learn to relax. Relaxation exercises are one way of reclaiming control over the body.
  • Find ways to distract from the pain (such as listening to music, reading, etc.).

Caring for the Caregiver

Caring for a service member with chronic pain can be hard, as is caring for anyone injured in combat. It is important that you, as the caregiver, learn to help your wounded warrior and yourself.

  • Communicate between the two of you. Talk about issues and concerns as they arise.
  • Take care of your health.
  • Learn about specific problems your service member may be experiencing (such as sleeping disorder, depression, intimacy, etc.).
  • Be patient. Understand when to help and when to encourage self-help.
  • Believe in your loved one’s report of pain (validation).
  • Attend medical visits with your wounded warrior.
  • Take responsibility for all medications.
  • Talk to your service member’s doctor or nurse case manager if his or her pain begins to disrupt their sleep.
  • Join a support group for caregivers in similar wounded warrior situations.
  • Report any major change you observe in your loved one’s symptoms, mood, abilities, or daily activities.

Your caregiving journey can be physically and mentally challenging, especially if you are caring for a wounded warrior who is suffering from chronic pain.

Learning as much as you can about this condition will help you better serve your loved one during this difficult time. And remember…never give up! Staying positive will keep your loved one optimistic and help him or her stay motivated during the rehabilitation process.

For more information on how to successfully manage your service member’s chronic pain go to the Real Warriors. Also, check out Caregiver Cornerstones, a resource for family caregivers caring for those who are suffering from pain.

 

To Insure or Not to Insure?

Friday, June 1st, 2012

By Leigh Guth, N.C. Cooperative Extension Agent

That is the question most everyone is asked when they buy a new phone, computer or any electronic gadget these days.  Usually it is at the checkout counter with little time to ponder the pros and cons.  There are five people in line behind you, or you have a 7-year old with you.  It doesn’t sound expensive, and you would hate to have this new coveted gadget broken by said 7-year old, so, you sign on the dotted line.

There are several basic concepts when it comes to insurance, a financial tool to guarantee against risk of loss or harm.  As a consumer, you have five choices.

  1. Cross your fingers and do nothing more.
  2. Avoid loss by avoiding risky behaviors or dangerous locations.  Examples would be not taking your electronics to the swimming pool, not smoking, or giving up sky diving.
  3. Reduce your chance of loss by taking certain actions like wearing safety gear, keeping your computer in a protective case, or using a smoke detector at home.
  4. Accept risk knowing that you can afford to pay for the loss. The most common example is an insurance deductible.  You agree to pay the $500 deductible because you can afford that amount, and it will lower your annual insurance cost.
  5. Transfer the risk by purchasing insurance.

Keep in mind the large-loss principle when choosing what to insure.  Purchase insurance with the extent of the loss in mind and not the likelihood of loss.  For example, you have lost or damaged several cell phones in the past; the potential of harm or loss is high for subsequent phones.  However, the cost to replace a phone is $200.  This is not a large loss; therefore, do not purchase insurance but reduce your risk or accept the risk.   Take the $7 monthly insurance fee and put that into an emergency fund to help pay for the phone if it is lost or damaged.

Let’s apply this concept to disability insurance.  The likelihood that you will have an illness or injury that keeps you from working may be low.  However, if individuals depend on you for income or for caregiving, what would happen to them if you were no longer able to function in that capacity? How much income would they need to replace your lost wages?  Replacing just $1,200 a month for 18 years would amount to $259,200 in lost income.  This is a substantial amount and justifies insurance based on the large-loss principle.

Make sure that you do not purchase insurance that duplicates other coverage. For example, do not purchase insurance when renting a car.  Check with your current auto insurance; you are probably already covered or can add a rider for less than the policy at the rental counter.

Based on the concepts of large-loss and non-duplication, most people need health/medical; disability; life; property, and auto.

What insurance-related questions do you hear most often?

Resources:

http://www.extension.org/pages/16131/meeting-your-insurance-needs