Archive for the ‘military families’ Category

Money Monday

Monday, June 17th, 2013

By Barbara O’Neill

What factors make service members and their family attractive targets for lenders?

Service members are prone to greater financial challenges because of their unique behaviors. Lenders know that service members are required to maintain financial stability, including a good credit score, to maintain their security clearance. Lenders see this as a sign that service members will work hard to pay off any debts they incur or to at least seek counseling and assistance when they are having problems. Also, service members are not able to “disappear” if they fall behind on their payments. Lenders know that, even in the case of a PCS move, they will be able to find the service member and collect on old debts.

Another fact lenders are aware of is how much each service member earns. Pay scales are available online and can be used by lenders to determine the amount of debt military families are able to support. Finally, service members tend to start borrowing money at a younger age than civilians. This can lead to big financial decisions being made by inexperienced consumers trusting banks and other lending organizations that do not have their best interest in mind.

For additional information, refer to consumerfinance.gov/Service Members/.

Browse more military personal finance Frequently Asked Questions answered by experts.

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This post was published on the Military Families Learning Network Blog on June 17, 2013

Factual Friday

Friday, June 14th, 2013

PTSD_Factual_Friday

This post was uploaded by Rachel Brauner of the Texas A&M AgriLife Extension Service-Wounded Warrior Program and is part of a series of Military Family Caregiving posts published on the Military Families Learning Network blog.

Two Personal Finance Webinars Next Week!

Friday, June 14th, 2013

Join the Personal FinanceEducation2 team for a busy week starting Monday with Paying for Education Expenses and the GI Bill with speaker Drew Hill, Director of Veterans Affairs – Worldwide with Embry-Riddle Aeronautical University. Mr. Hill’s 90-minute presentation will cover the post 9/11 GI Bill and the Montgomery GI Bill. Topics to be covered include: eligibility, the application process, and transferability. This presentation in Part 2 in our Paying for College series. Review Part 1 here.

Then on Monday, Dr. Barbara O’Neill and Dr. Michael Gutter will present Credit Basics and Debt Repayment Strategies. This 90-minute session will focus on credit and debt management strategies and provide numerous resources to support consumers to succesfully manage their finances. Credit Basics & Debt Management

Both of the web conferences will offer 1.5 continuing education credits to AFC-credentialed participants. Both web conferences begin at 11 a.m. ET. To connect to the hosting platform, security certificates are required. Please review these instructions. Alternatively, both presentations will be streaming on Ustream.

Insights from a Military Parent (Part 5): Adjusting to Home Life after Deployment

Tuesday, June 11th, 2013

Insights logoToday we continue our series, “Insights from a Military Parent,” an ongoing discussion in which Rhonda, National Guard spouse and mom of two young boys, responds to questions that arose from her telling of her family’s experience living through two deployments with two young children during our webinar presentation, “Intentional Connection: Establishing Positive Relationships Between Child Care Providers and Military Parents.”

In today’s post, Rhonda describes some of the military behaviors that took a while for her husband to shed after returning to home life, and how those behaviors were perceived by others, including the boys’ teachers. Awareness, communication and patience, Rhonda explains, are the keys to supporting military families (particularly Guard and Reserves) who are experiencing reintegration.

Question: You’ve said that reintegration is a process that can take a while.  What advice would you give a teacher/provider who wants to support that parent as he or she reconnects to the child’s daily life, including school/child care, in ways that are sensitive to his or her adjustment?

The two most critical times for our family were the months during pre-deployment and post-deployment. These are the times when routines are disrupted, finances are being juggled, family roles are evolving and revolving, and dad is acclimating – either to leaving or returning.

Try to connect with both parents before the actual deployment if possible. This will help lay the groundwork for the post-deployment interactions. My husband joked at our pre-deployment teacher/parent meeting that he was just there to model his uniform. Ok, I was the one doing all the talking. However, we did talk about post-deployment issues in that pre-deployment meeting and his presence was important. He and I have discussed his post-deployment return to civilian life and reflected on how much our lives have changed. We anticipate that we will evolve again when he returns this time.

quote_mil to civ

Post-deployment is different for everyone. What we expected from reading the books and literature on post-deployment were insomnia, nightmares, aversion to crowds or large social gatherings, being in a state of high alert, and adjusting to family life. Sometimes we joked about going through a checklist of behaviors or situations that were outlined in the books.

As a Guard family the transition from active duty in the war zone back to home is far more abrupt than for full-time military. He goes from being in a full-time military environment where everyone is in uniform, procedure and protocol are the norm, and everyone is on high alert – into a civilian world where people invade your personal space in the check-out line, honk their horns less than a second after the light changes, and debris on the road is really just debris. Every instinct and reaction, honed through military training and reinforced in the war zone, is still active, but the environment is more benign.

As a family we had to help him bring out his civilian persona. Some adjustments are comical and others are a bit more stressful. For the first few weeks I felt like I was living with a teenage girl because he would stand in front of his closet with his hands on his hips staring at his clothes, then declare he had nothing to wear. After suggesting several different combinations of shirts, pants, shorts, etc. I left the room frustrated. He emerged ten minutes later back in uniform. This went on for several days until we went shopping so he could buy khaki cargo shorts and plain t-shirts in black, gray, and white. It took a few months to help him transition to a more varied wardrobe, but he still wears combat boots most days.

Dressing wasn’t the only thing that went through a period of adjustment. He also switched his field of work. He could no longer work indoors in an office setting. He became a communications and cable installer which kept him physically active and constantly on the move. He had the right mix of human interaction and physical labor to keep him focused and at ease.  This helped considerably with re-establishing a routine and adjusting to the routine of family life.

dad picking up boysFriends, colleagues, and teachers also experienced a period of adjustment with us. The first few times he picked the boys up at school it was a “mission” and they were his “packages.” He was in uniform, moved briskly, didn’t speak, and barely made eye contact. When I picked the boys up a few days later I was updated on all the upcoming activities that were posted on the doors and on flyers that dad didn’t acknowledge. One of the teachers tentatively asked me if he was upset with the school. I was confused until she described his demeanor when he picked up the kids. I smiled and explained that he was doing the same thing at home. I shared with her what I had learned from the books about the process of going from a military to a civilian mindset, and that it would take time. Within a few months he was greeting folks, retrieving flyers, and exchanging pleasantries with other dads.

The teachers and I worked together to make sure important notices weren’t overlooked or forgotten. One morning they called me at work to ask if i knew it was picture day. I dropped my head to my desk as I recalled what the boys were wearing that morning. You know it wasn’t good if they called. I asked how long I had to get them a change of clothes, hung up the phone, and raced to a Target. Luckily, I was only a few miles from the school and store and found suitable clothes for both of them. When dad picked them up that evening our oldest put his hands on his hips and snapped, “You forgot picture day! Mommy had to get us clothes and we do not like them!” Dad bought them ice cream. Guess who the hero is in our house!

One other vestige of deployment that raised alarm with me and the teachers was dad’s tone. For the first few weeks his tone of voice was harsher and louder than prior to deployment. Again, this is the result of being in a war zone and interacting with other adults in tense situations. I would remind dad that we weren’t troops and that he was being really loud, or overly sensitive, to minor infractions. These were conversations best handled by me in private. If you encounter this with a recently returned military parent, take it up carefully with the home-front parent. Odds are it is already a topic under discussion in the home. If it isn’t, there may be an opportunity for helping the home front parent.

quote_patienceFinally, be patient and be observant. Stay in communication with the home-front parent and don’t be surprised if certain events or activities are skipped or only attended for a brief time. Music programs, graduations, and other group events were difficult at first. I sat, he stood, in the back of the room and usually left right after the boys were done with their part. As time went on, he mellowed and actually sat through an entire event. Reintegration is different for everyone and it can take months, sometimes years, to find balance and harmony.

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Rhonda will be sharing more insights and recommendations about the reintegration process during our webinar, “Getting to Know You (Again): Helping Young Children Adjust to the Return of a Military Parent,” on Tuesday, June 18, 2013, 2:00-3:00 EDT. This link will take you to the page where you can log in – no registration is necessary. The webinar will also be recorded and available at the same link approximately 2 days after the live event.

Part 1: The Power of Hearing Their Stories 

Part 2: Understanding Parenting Decisions

Part 3: Why I’m Reluctant to Talk to You

Part 4: Responding to Misbehavior with Compassion

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This blog post was written by Kathy Reschke, Child Care Leader at Military Families Learning Network    Source:  http://blogs.extension.org/militaryfamilies/?p=2938

 

Money Monday

Monday, June 10th, 2013

By Barbara O’Neill

How can service members defer student loan payments?Photo by Virginia Guard Public Affairs (creativecommons.org)

An important factor for service members to keep in mind is that they may be eligible for a deferment only if they have not already defaulted on their loans. The type of deferment provided varies depending on the type of loan the service member is paying. All three loan types—Federal Family Education Loan (FFEL), Direct, and Perkins—may be deferred while the service member is on active duty during a war or other military operation or national emergency. Active duty personnel would include members of the National Guard or Reserves who were called to active duty service.

There is no time limit on the military deferment, but the eligibility period ends 180 days after the borrower has returned from active duty service. In cases where the borrower is not eligible for deferment, he or she may apply for forbearance. There are provisions for a mandatory forbearance for National Guard members who qualify for post-active duty deferment.

For more information, refer to studentloanborrowerassistance.org/repayment/postponing-repayment/deferments/.

Browse more military personal finance Frequently Asked Questions answered by experts.

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This post was published on the Military Families Learning Network Blog on June 10, 2013

Factual Friday

Friday, June 7th, 2013

Factual Friday

This post was uploaded by Rachel Brauner of the Texas A&M AgriLife Extension Service-Wounded Warrior Program and is part of a series of Military Family Caregiving posts published on the Military Families Learning Network blog. The photo was found on the Department of Defenses‘ Flickr photostream.

Insights from a Military Parent (Part 4): Responding to Misbehavior with Compassion

Tuesday, June 4th, 2013

Insights logoToday we continue our series, “Insights from a Military Parent,” an ongoing discussion in which Rhonda, military spouse and mom of two young boys, responds to questions that arose from her telling of her family’s experience living through two deployments with two young children during our webinar presentation, “Intentional Connection: Establishing Positive Relationships Between Child Care Providers and Military Parents.”

In today’s post, Rhonda talks about the need for child care professionals to be willing to be compassionate and flexible with rules and expectations during times of transition or extra stress in a military child’s life.

Question: During the webinar, you mentioned a couple of situations in which teachers ended up “bending the rules” to accommodate your child’s temporary needs. What would you like providers to know about flexibility and accommodation?

During our first deployment our oldest child was attending private kindergarten because his birthday fell after the cutoff date for public kindergarten. He was four when his father deployed and seemed to be taking it in stride. However, as the months went by he began to show signs of anxiety and stress. Hindsight is 20/20, so at the time I wasn’t seeing his behaviors for what they were.

One of the initial signs of anxiety and stress was taking things. It is hard for me to use the word stealing, but I suppose that is what it was in a sense. It started with things at home. He would take items from my husband’s nightstand or from the home office and hide them in his room. They were usually small things that reminded him of his dad. A watch, a small model airplane, and a measuring tape were just some of the things I found hidden under his pillow or in the toy box.

toy carsThen he would start putting things in his pockets at stores. Small toys, usually die cast cars. The first time I observed this I asked him to hand me the toy, explained that he had to pay for it, and had him put it in the cart with our other items. Then I began noticing that it was becoming a regular occurrence and he was getting better at secreting the items away. Each time we went to the check-out line I would frisk him to make sure he wasn’t carrying a toy out of the store. If he handed it over willingly then I would let him put it on the checkout stand and pay for it. If he didn’t hand it over, it stayed at the store. I suppose that in the back of my mind I knew this was related to his father being away, but with everything else happening in our lives it didn’t make it to the priority list.

Then something happened that brought this behavior into full focus. I decided to pick the boys up early from school and treat them to an early dinner at Chuck-e-Cheese. Because it was earlier in the afternoon I was there when most parents were picking up their children. As we were getting his backpack and jacket from his locker a little girl marched up to us and demanded that my son return her pony. I turned to look for her mother, who was standing a few feet away and asked for clarification about the missing toy. The little girl said, “It is a pink pony and HE took it.” I explained that he didn’t have it and we didn’t have any toys like that at our house. She was adamant and said, “I know he took it. Everyone knows that HE takes things!”

Motherly instincts kicked in on both sides and the little girl’s mother stepped in and said, “Honey, he doesn’t have it. Let’s look at home again.” At this point I had subconsciously positioned myself between my son and his accuser. As they walked away I sat down at the table with him and asked him what she was talking about. As he hung his head I noticed the dark circles under his eyes and the deeply sad expression on his face. I asked him if he had taken toys from other kids and he just sunk lower into his chair. My heart broke for my little boy. We all know how it feels to be rejected by our peers. I hugged him tight and told him to get his stuff. As we walked out I stopped by the Director’s office and asked if we could speak in the morning. She had witnessed part of the confrontation and nodded yes.

The next morning she informed me that, yes, he had been taking things. He had taken toys from the classroom and had taken cars from a few of the little boys. In our household I am the rule follower. I became that way early on in life because no matter how small the infraction, I always got caught. My peers could be engaged in the same activity, but I was the one who was always called out. Funny how those things stick. So, being the rule follower, I took all the school policies and rules to heart. In the handbook it clearly stated that students were not to have toys or playthings from home. Being the rule follower I made sure that both boys were free of contraband before entering the school. Imagine my surprise to find out that OTHER children had these items on them.

Ok, in all fairness I need to explain that the school also served as an after-school care facility for kids attending the area K-5 school. So, it wasn’t just his classmates that had contraband items, but kids who were in the after school program.  While I was frustrated about the rule breaking, it was my son who was taking things. That had to be the focus of the discussion.  I asked how long this had been happening and was shocked to find out it had been going on for over a month.

During this discussion I was experiencing multiple emotions – frustration that it had not been brought to my attention sooner, compassion for my son who had been labeled a thief by his peers, and shame for not being a better parent. I shared with the Director what had been happening at home and at school. Not being aware of how the stress of deployment can manifest in children, I fell back on my early childhood development knowledge and surmised that this was probably connected to his dad being deployed. I also reflected on what I knew about my son. He, like me, had an overly developed sense of fairness and obedience to the rules. I knew he felt bad about what he was doing; it was obvious from our conversations in the stores. He didn’t want to disappoint anyone, especially authority figures.

As we talked about him and the situation, we came to the conclusion that maybe he needed something to make him feel special while he was at school. The Director agreed to let him bring one toy to school each day. He was to keep it in his backpack during school, but could take it out when the after-school program started in the afternoon. We brought him into the office that afternoon to explain the new rules to him. There was an immediate change in his demeanor. He lifted his head and his eyes widened with what I felt was hope.

son with carThat night he spent hours trying to decide which toy he would take to school. The next morning he was still trying to decide between two of his favorite die cast cars. He finally picked the one he thought was the coolest and put it in his backpack. When we got to his locker I reminded him about the rules and he smiled and nodded his head. That evening he announced that everyone liked his car and thought it was really cool.

As the weeks went by there were no more incidents with stealing. His “security blanket” was all he needed to get through the day. The Director and I touched base weekly regarding his interactions with the other kids and things seemed to be improving. He was still quiet and withdrawn, but I was happy that he was no longer labeled by his peers and had a few regular friends.

Establishing rules is important to creating a safe, equitable, and productive academic environment. As an educator and a parent I support school rules and enforce them at home. However, I also acknowledge that sometimes rules can be bent to allow a student room to grow or improve in certain situations. We were lucky to work with a Director who was willing to make compromises that would be better for the emotional well being of my son. She appreciated how rigorously I was trying to enforce the rules, but she was the one to suggest letting him bring a toy of his own, since the after-school care kids were bringing in things of their own.

Now, you might be saying to yourself, why not just enforce the rule for all the kids? I agree that is the bigger picture in all of this, but what about the small picture? What happens when you punish the entire group because one person is having problems? What is that one person’s story? What would have happened if the approach had been to do bag checks every single day to make sure no toys were coming into the building? Don’t you think other parents would have learned the reason behind it? Might they have talked about it in front of their kids? What would those kids have said to my son? How would he have been treated?

As a rule follower, I had a few moments of apprehension. Would we be teaching my son that it is OK to break the rules if you play the pity card? Will he expect people to make accommodations for him in the future? Yes, I did, and do, worry about these things. However, the Director had the objectivity and experience to know that, in this case, the right thing to do was to bend the rules. And it worked.

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Next week’s question: Given what you said about reintegration being a process that can take a while, what advice would you give a teacher/provider who wants to keep that parent involved in ways that are sensitive to his or her adjustment?

Part 1: The Power of Hearing Their Stories 

Part 2: Understanding Parenting Decisions

Part 3: Why I’m Reluctant to Talk to You

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This blog post was written by Kathy Reschke, Child Care Leader at Military Families Learning Network
Source: http://blogs.extension.org/militaryfamilies/?p=2914

PTSD Awareness Month

Monday, June 3rd, 2013

PTSD Awareness MonthJune marks the month of Posttraumatic Stress Disorder (PTSD) awareness; a condition which approximately 300,000 service members currently suffer from (RAND, 2008). PTSD is considered a silent, invisible injury that is common in wounded warriors who have been exposed to traumatic events while performing their military responsibilities.

The Veterans Affairs National Center for PTSD is challenging service professionals, families and services members to ‘Take the Step’ in raising PTSD awareness this month by offering a four-week informational guide to PTSD learning. Each week the center offers tools to understanding this invisible wound found in so many returning service members.

Whether you are a health care professional, family member or friend of a warrior who may be suffering from PTSD it is important to encourage public awareness and to provide assistance to those impacted by the condition.


This post was uploaded by Rachel Brauner of the Texas A&M AgriLife Extension Service-Wounded Warrior Program and is part of a series of Military Family Caregiving posts published on the Military Families Learning Network blog.

Money Monday

Monday, June 3rd, 2013

By Barbara O’Neill

Can a service member in his 30s use funds in a traditional IRA to pay for college? Photo by Fort Meade (creativecommons.org)

Like all IRA owners, service members who withdraw funds from a traditional IRA before age 59 ½ are subject to the 10% early withdrawal penalty with a few exceptions. One of these exceptions is to pay for qualified higher education expenses. Funds withdrawn will be subject to the early withdrawal penalty, however, if they are in excess of the actual amount of expenses.

When determining the amount of money needed to withdraw, service members should take into account any distributions from 529 plans, scholarships, grants, and other tax-free payments, such as gifts or inheritances they have received during the year. Qualified higher education expenses for the IRA exemption include tuition, fees, books, supplies, and equipment required for enrollment as well as room and board as long as the student is attending school at least half-time. For more information, refer to irs.gov/publications/p590/ch01.html#en_US_2011_publink1000230896.

Browse more military personal finance Frequently Asked Questions answered by experts.

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This post was published on the Military Families Learning Network Blog on May 27, 2013

Insights from a Military Parent (Part 3): Why I’m Reluctant to Talk to You

Tuesday, May 28th, 2013

Insights logoToday we continue our series, “Insights from a Military Parent,” an ongoing discussion in which Rhonda, military spouse and mom of two young boys, responds to questions that arose from her telling of her family’s experience living through two deployments with two young children during our webinar presentation, “Intentional Connection: Establishing Positive Relationships Between Child Care Providers and Military Parents.”

In today’s post, Rhonda talks to child care professionals about reasons that parents (including herself) sometimes feel uncomfortable or reluctant sharing information or discussing a concern with their child’s teacher/caregiver.

Question: Why do you think some military parents feel uncomfortable talking to child care professionals?

I think this differs from family to family.  I think the first day of child care/school is scarier for me than for my kids. They hop out of the car with confidence and excitement. I walk through the door clueless about the sign-in book, finding the box to deposit checks, and where lunch boxes belong. It was intimidating watching all the experienced parents breezing in and out, chatting about a local event, and then whisking off to the rest of their fabulous day. What was on my mind was making sure my kids had a hug and a kiss before I left and then getting out without anyone crying. No worries there, my kids LOVED their time at school; I was the one sobbing in the parking lot.

strong-womenWhen it came time for our first deployment I felt pressured to be the strong wife and mother. We had pep talks from the Unit leaders, literature from the workshops, and of course all the sayings, quotes, and memorabilia about military wives being strong, independent, etc. My goal was to not be a burden on anyone. It is important for me to say that the “pressure to be perfect” was coming from me, not from anyone else. I believe it is something that I carried with me from my first marriage many years ago to a full-time Army man. We lived on a large base, had a close-knit Unit, and “kept it in the family.” Those early experiences had a major influence over the rest of my life. However, this new situation as a Guard wife didn’t fit with that old framework. I was far from a base, didn’t know any of the other families in the Unit, and had no close family or friends nearby. Asking for help is not something I am comfortable doing, and I felt like I should be able to live up to the “image” of the military wife in my mind. What I didn’t anticipate was just how hard it would be to go from a two parent household to a single parent household with no real support system in place.

Talking to others about problems with discipline, potty training, behavioral problems, etc. requires a certain level of trust. I had grown accustomed to sounding these things out with my husband before going to the professionals. Now he was gone and none of my relatives could even remember potty training me or anyone else for that matter. The typical response was, “It seems like he/she just took to it. We really didn’t have any problems. Have you tried putting Cheerio’s in the toilet?” Aside from the fear of causing the septic system to become clogged with breakfast foods, I wasn’t quite sold on the whole cereal as a target theory. It turns out that parents forget struggling through some of those developmental issues, repressing traumatic events is a safety mechanism that helps us perpetuate our species.

However, no matter how hard we try to hide our weaknesses, there are those eagle-eyed angels of mercy who just seem to know when we need help. The boys’ teachers knew I was struggling and were patient with me.

two cupsThe assistant director of the school pulled me aside one evening and offered me a cup of coffee. The boys were sitting in one of the classrooms watching a movie and we sat at one of the tiny lunch tables in the common area. She asked me how I was doing and I burst into tears. Why? Select a reason – stress, fear, exhaustion – but most likely because she reached out to me. Kindness is the most simple and generous of gifts. Here I was grading myself with a big, red “F” in motherhood, working woman, and strong military wife. In reality, I didn’t even know my real assignment. Through her support I realized I had to rely on others to get through the deployment with some of my sanity intact. We discussed the potty training and the sass-mouthing and the bedtime problems over the next few months. She became my back-up when the boys were not being gentlemen. She had the ability to be stern and not fall victim to their wily tactics. When I delivered punishments they responded by crying for their daddy. This made me feel tremendously guilty and I became a shameful puddle of permissive clay they molded to their benefit. How embarrassing is it to say you have no control over a toddler and a pre-schooler? I had to relearn discipline techniques and, most important,  have someone in my corner telling me it was “ok” to set limits even though they missed their daddy.

For some of us, reaching out to our child’s educator may not seem obvious when a deployment comes up. There are so many other things we have to get done. We told ourselves that the kids were too young to know what was really going on and we just told them that “daddy’s work is taking him far away for a long time.” We read the children’s books about deployment and involved them in helping him pack his gear, but we had no idea how much his absence, and my stress, would affect them.

Now that we have two deployments under our family belt, I feel it was our lack of understanding how our boys would handle the stress that kept us from reaching out the first time. Had I read the research reports earlier, had I admitted to myself that my kids WOULD have some idea of what was going on, I would have included them in the pre-deployment planning.  I would have made them MY number one priority.

This time they were my primary concern, and with their well-being secured, everything else seemed to fall into place. We reached out earlier, developed a relationship of trust with their educators, and made allowances for failure. If we have to go through this again, I am sure we will change more things, but for now we are doing ok. No, we are better than ok…I think we made a solid B+ on this deployment. There is always room for improvement!

Next week’s question: You mentioned a couple of situations in which teachers ended up “bending the rules” to accommodate your child’s temporary needs. What would you like providers to know about flexibility and accommodation?

Part 1: The Power of Hearing Their Stories 

Part 2: Understanding Parenting Decisions

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This blog post was written by Kathy Reschke, Child Care Leader at Military Families Learning Network. Source: http://blogs.extension.org/militaryfamilies/?p=2895