U.S. Defense Secretary Jim Mattis said April 20 he does not intend to discuss damage estimates from last week’s use of the military’s most powerful non-nuclear bomb on an Islamic State stronghold in Afghanistan.
On Jan. 25 the Pentagon said U.S. strikes in Yemen killed five al-Qaida fighters.
Mattis, who assumed office hours after President Donald Trump’s inauguration on Jan. 20, hasn’t publicly discussed such numbers. He said April 20 his view was colored by lessons learned from the Vietnam war, when exaggerated body counts undermined U.S. credibility.
“You all know the corrosive effect of that sort of metric back in the Vietnam war and it’s something that’s stayed with us all these years,” said Mattis, who was in Tel Aviv to meet Israeli government leaders on April 21.
He met April 20 with Egyptian President Abdel-Fattah el-Sissi.
The publicity created by the bombing in Afghanistan caught many Pentagon leaders by surprise, leading to questions about whether U.S. commanders fully considered the strategic effects of some seemingly isolated decisions.
The Pentagon also has been criticized for its declaration that an aircraft carrier battle group was being diverted from Southeast Asia to waters off the Korean Peninsula, amid concern that North Korea might conduct a missile or nuclear test. The announcement led to misinformed speculation that the ships were in position to threaten strikes on North Korea.
Mattis said he is confident his commanders are properly weighing their actions.
LifeWaters offers scuba diving and scuba certifications as part of recreational water therapy. The non-profit organization improves the lives of disabled veterans with a dedicated staff of volunteers, including Spinal Cord Injury therapists, doctors, nurses, veterans, and civilians.
Bill Chase is a Air Force Vietnam-era veteran who served from 1973-1978. While stationed in Hawaii, he learned to dive and then later became a certified diver. In 2016, after a successful engineering career, Chase was diagnosed with Amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s Disease. While at a VA therapy appointment, the therapist mentioned scuba diving, and then referred Chase to LifeWaters.
Forced retirement opens new door
ALS is a progressive neurodegenerative disease that affects nerve cells in the brain and the spinal cord. Chase was forced to retire after the diagnosis and soon sought assistance from Paralyzed Veterans of America for help in filing claims for VA benefits and support at the St. Louis VA. Approximately 700 to 900 veterans with ALS are served annually by PVA to obtain their VA healthcare benefits.
“I am always excited to be involved helping a veteran’s bucket list wish come true!” said PVA Vice President and LifeWaters Advanced Scuba Diver, Hack Albertson. “It was an absolute honor to meet and dive with Bill Chase and his family.”
Albertson credits the LifeWaters adaptive scuba training that allowed him to dive in over 200 locations around the world. “I love being a member of LifeWaters and [being] an Advanced Scuba Diver. I was even blessed to dive Pearl Harbor on December 7th while conducting an oil study for the U.S. National Park Service. I can never thank LifeWaters enough for the opportunities and experiences diving has given me.”
“Blown away by kindness” at LifeWaters
LifeWaters offers different services depending on needs, desires and skill level. They have amputee scuba diving, disabled veteran scuba diving and other scuba diving programs.
“ALS progression is different for everyone. In my case, I have no leg motion, my arms and lungs are affected. I’ve recently lost some ground with my lungs, so when I dive I now use a full-face mask because it’s easier to breathe,” said Chase.
Chase was surprised that he was eligible for adaptive diving. He recently completed the HERO dive with his family at the Epcot Center Aquarium at the Walt Disney World Resort in Florida. Chase has even gotten closer to his family while they trained for their scuba adventure.
“If I were in a different physical state, I wouldn’t hesitate to become part of this group. The dive itself was awesome, in spite of my physical limitations. My family and I thoroughly enjoyed the entire experience,” he said.
This article originally appeared on VAntage Point. Follow @DeptVetAffairs on Twitter.
These days, tattoos are so commonplace in the U.S. military that every branch has its own policy as part of its uniform regulations, but a few years ago that wasn’t the case. The U.S. Navy, however, has a long tradition of tattoos.
Here’s the meaning behind a few of the classics:
1. Fully-Rigged Ships
A tattoo of a fully-rigged ship from the age of sail means the sailor had been around Cape Horn, the rough, stormy waters around the southern tip of South America. A fully-rigged ship is one with three or more masts, square sails fully deployed.
2. Nautical Star
The star is a symbol of a sailor always to be able to find his way home. The nautical star is a five-pointed star in dark and light shades counterchanged to resemble a compass rose.
3. Shellback Turtle
Sailors can wear the Shellback Turtle when they get initiated into King Neptune’s Court after crossing the equator. If you’re unsure what exactly this means, We Are The Mighty has an explainer for you:
The crossed cannons mean a veteran has seen military service as a sailor.
Sailors earn a new swallow tattoo for every 5,000 nautical miles traveled, which is about 5,754 regular miles, roughly the distance between New York City and Tel Aviv. The circumference of the earth is 21,639 nautical miles, just about 4.16 sparrows.
A single anchor means the sailor crossed the Atlantic or has been a member of the merchant marine, a fleet of civilian ships that carries military cargo. In wartime, this fleet is mobilized to carry war materiel, including troops and supplies.
During World War II, the Merchant Marine took a beating with high casualties, entering the European war long before the United States itself. Since the U.S. was delivering war supplies to Britain through Lend-Lease, Nazi u-boats targeted U.S. shipping bound for the UK. The Merchant Marine casualty rate was 3.9 percent, whereas the Marine Corps’, the next highest, was only 2.94 percent.
7. Rope on the Wrist
A knot of rope on a sailors wrist identifies him as a deckhand, someone who maintains the hull, decks, superstructure, mooring, and cargo handling. Deckhands are still common in ocean-going vessels, though they’re far less likely to be maintaining wooden ships.
8. Hula Girl
Hula girls signify the sailor has been to Hawaii.
9. Crossed Anchors
Sailors wearing the crossed anchors on the webbing between their thumb and index finger are identifying themselves as boatswain’s mates, the guys who maintain the deck and take care of smaller boat operations and damage control parties.
10. HOLD and FAST
These words are a charm spelled out on the four front-facing fingers on each hand. Sailors hope it brings them good luck while gripping the rigging. Holding fast means the sailor isn’t going to let the line go, no matter what. Sailors were a superstitious bunch and life on a sailing ship was tough (to say the least). Anything that gave them the edge in saving their own lives was worth doing.
11. Pig and Rooster
The foot tattoos of pigs and roosters were worn by sailors in WWII in the hopes it would keep the sailor from drowning. The Navy shipped these animals in crates at the time. When ships went down, the crates floated, and the animals inside would sometimes be the only survivors
12. Compass Rose
Another good luck charm that allows a sailor to find his way home.
Worn on the soles of a sailor’s feet, these are thought to ward off sharks
14. Dagger through a Rose
This tattoo means the sailor is loyal and willing to fight anything, even something as sweet and beautiful as a rose
Wearing a dragon means the sailor has served in China.
16. Golden Dragon
When a sailor crossed the International Date Line, he earns the right to wear the Golden Dragon tattoo. The International Date Line is the imaginary line of longitude that separates two calendar dates. When someone sails from East to West, they set their clock back one hour for every 15 degrees of longitude they pass. When they pass the date line, they’ve gained a full 24 hours.
Sailors tattooed with harpoons were serving or had served in a whaling or fishing fleet.
18. King Neptune
Another badge of honor earned for crossing the Equator.
19. Palm Tree
The palm tree has two meanings, depending on your navy. Sailors in the Royal Navy during World War II could wear it after sailing on Mediterranean cruises. It can also be worn by U.S. sailors who served in Hawaii.
Logan Vath left the Navy in 2012 to be pursue a career as a singer/songwriter. Crowdfunding his first album, Logan started to find success, playing wherever he could, building relationships in the music industry, and keeping up with old friends.
Vath has a unique take on his experience thus far: “I visited a recruiter’s office, and, what happened to me usually happens to most people who visit a recruiter’s office — I joined the Navy,” Vath laughed. “On my 2nd deployment, on the USS Monterey, I was actually performing weekly when the ship would pull in. We were doing ‘Show Your Colors’ tours on the boat and the Captain, Captain Jim Kilby, had me playing in the corner, in my dress uniform during receptions. I was lucky, everyone I’ve ever encountered in the military was always really supportive of my music. I think they all knew that this was what I was going to do at some point, or try to do at the very least.”
He says that what he learned in the Navy wasn’t always directly related to the skill set he maintained in order to perform his duties. “Playing to a crowd of people can teach you a lot about how to win over an audience if the subject matter isn’t something that is totally interesting to them,” he said. “Still to this day I use a lot of humor in shows in between songs just to keep people involved — to let them know that I’m not that sad of a person actually. The music can be, but I think performing on the ships is something that helped build my style.”
As he frequently laid topside, looking up at the stars, Vath admits that his lyrics frequently reference his own experience. “I think lyrically, things still sneak in from being out there and spending so many nights staring at the stars,” he said. “I think it’s extremely easy to romanticize the ocean and even songwriters that weren’t in the Navy do it frequently. I’ve never written specifically about things that have happened, but I would say there are definitely some themes from my experience.”
However, not every part of his career was a cakewalk. At one point, Vath let on that the ship he was stationed on, the USS Nassau, suffered from a fuel leak and simultaneous air-conditioning snafu off the coast of Africa. “I lived off of powered milk and Red Bull for a while even though they said the water was good,” Vath recounted. “Something in my body would not allow me to drink water that tasted like fuel for some reason, I don’t know why [laughing]. But that lasted a while; that was horrible. I just remember so many horrible, horrible sweaty nights in those racks with no A/C, just in a giant, baking tin-cup.”
Setting out to get out of Nebraska and make his own way, Vath remembers the day he chose what he would do in the Navy. “When I was at the recruiter, they gave me four jobs,” he said. “What prompted my choice of AG, (Aerographer’s Mate), was the recruiter saying, ‘This never comes up; you gotta do this job. You’ll love it.’ So, I signed up and said I’d do it — and he was correct. We had such a small community. The beautiful thing about being an AG, was that when you went out to a boat, nobody really knew what you did, so you can fly under the radar often. You have a lot of things that you have to take care of, but it’s a very isolated, quiet job.”
Vath says the turning point in his life started in boot camp. “The most important part was being cut off from everything,” he said. “That shaped me for so much about life. I always think about that, the most scared I ever was, was surrendering that cell phone after the first call because I had gone from a life of complete connection to nothing. I didn’t have anybody, I didn’t know anybody yet. And I think that that’s really good for people to be put in those situations because so many people aren’t. It’s terrifying to be a situation with no way out. You learn a lot about yourself in that.”
Admitting that maybe his expectations weren’t completely accurate when imagining who he would be as a result of his service, Vath says he thought the Navy was going to be a cure-all. “I thought I was going to become cleaner, faster, more efficient and abandon all my old habits,” he admitted. “That didn’t really happen. What I liked about the Navy, and everyone says you get what you put into it, and that’s so true. If you do it correctly, the Navy allows you to take whatever personality traits you have that are strong and utilize them in a lot of different ways.”
He discovered not only himself, but a new perspective on the world around him as he experience what life in the Navy entails. Says Vath, “I think everything I thought I would get out of the military, I got. It taught me that things can be a lot worse sometimes, things can be a lot better, you don’t always get to do what you want, sometimes you just have to do things that are completely against the way you would do them just because it’s just the way it is. Which I think is a really good skill to have and that people don’t often have it. I anticipated it would make me a harder worker — it did. I anticipated it would make me not take home or family for granted — it did, which is huge for me. I anticipated I would make great friends and see the world — I did. And I anticipated that after four years, I would come out a more rounded individual with better critical thinking and life experience and I did. I am in debt to it for that, as an organization because it gave me a lot of opportunities.”
Reminiscing on his first experiences, Vath admits that the part of his service that he misses the most is the ‘firsts’ of everything. “When you hop on your first boat, I remember that feeling of just being overwhelmed; going out to sea for the first time,” he said. “And there’s so many things you get to do like that in the Navy such as the first time you take off from a flight deck. You’ll never get that first feeling back, and so many first feelings that you’re given the opportunity to feel. I miss that a lot. I have goosebumps right now, thinking about coming home on the USS Nassau for the first time and playing ‘City of New Orleans’ by Arlo Guthrie while coming in, getting ready to dock.” He began signing,”‘Good Morning America, How are you?‘” He paused for a moment and took a deep breath, “Beautiful song — I’ll always associate that song with that feeling. And you can never get that back.”
Once known for a satirical song entitled ‘The Fraternization Song’, Logan chose to remove the tune from the public eye after receiving a lot of publicity for the song’s comedic twist on enlisted-officer relationships in the Navy. Says Vath, “It was kind of a spur of the moment thing. I was playing a show in Charlottesville, VA and there was a big media writeup in Charlottesville and a lot of it focused on the song. I didn’t want to use the military as a novelty. I’m happy to be a veteran and I had such a good time in the Navy, it was nothing but good to me. I have nothing but good things to day about it and I didn’t want to use that in the music. Any fans I gained, I wanted to gain organically. I wanted to earn their respect instead of them listening to be because I was a sailor.”
Logan has recently been working with a record label in Brooklyn, NY to record his next album. Vath declines to pigeonhole his music into a genre, choosing instead to focus on its substance. “I sing about personal experience but not in a storytelling way,” he said. “It’s more drawing parallels of everyday things and trying to view them differently. Putting myself in a genre is hard. People who do what I do usually say Indie Folk, but I’m not sure that that’s where I am.” He takes a sip of his beer and looks up, “Being able to hold a room of 50 people for an hour to an hour and a half and they are genuinely interested in what you’re saying is an incredible feeling. Of course the next time you’re in town, hopefully that number is 75, and eventually you’re moving into a venue that can fit 100. It’s a cool progression to watch. The trend is, for me, that if there is good music, people are going to listen to it; regardless of genre. Good music is good music.”
Brittany Slay is the Editor of American Veteran Magazine and a US Navy veteran, completing a 9 month deployment to Bahrain in 2014. She’s a fan of dark humor and enjoys writing, visiting breweries, and meeting people.
Israel and the U.S. inaugurated the first American military base on Israeli soil on September 18th, which will serve dozens of soldiers operating a missile defense system.
The move comes at a time of growing Israeli concerns about archenemy Iran’s development of long-range missiles. Together with the U.S., Israel has developed a multilayered system of defenses against everything from long-range guided missile attacks from Iran to crude rockets fired from Lebanon and the Gaza Strip.
The base’s opening is largely symbolic and isn’t expected to bring operational changes. But the Israeli military says that along with other measures, it sends a message of readiness to Israel’s enemies.
“It’s a message that says Israel is better prepared. It’s a message that says Israel is improving the response to threats,” said Brig. Gen. Zvika Haimovich, the commander of Israel’s aerial defense.
The base is located within an existing Israeli air force base and will operate under Israeli military directives.
Israeli and U.S. military officials cut a ribbon at the base Monday, where the American and Israeli flags flew side by side and soldiers from both countries commingled.
Israel’s multi-tier missile defense system includes the Arrow, designed to intercept long-range ballistic missiles in the stratosphere with an eye on Iran, and Iron Dome, which defends against short-range rockets from the Gaza Strip. David’s Sling is meant to counter the type of medium-range missiles possessed by Iranian-backed Hezbollah militants.
Israel considers Iran to be its greatest threat, citing the country’s nuclear ambitions, its development of long-term missiles, hostile anti-Israel rhetoric and support for anti-Israel militant groups. Israel has grown increasingly concerned about Iran’s involvement in the civil war in neighboring Syria, where its troops are supporting President Bashar Assad.
Israel is worried that Iran and its proxy Hezbollah will establish a long-term presence in Syria near the Israeli border.
GNC filed for Chapter 11 bankruptcy protection on Tuesday night, announcing that it expects to close between 800 and 1,200 stores while on the hunt for a buyer for its business. The vitamins and supplements retailer had about 7,300 stores as of the end of March.
In a letter to shoppers, GNC said the COVID-19 pandemic “created a situation where we were unable to accomplish our refinancing and the abrupt change in the operating environment had a dramatic negative impact on our business.”
GNC identified 248 stores that would close imminently as part of the restructuring process. Stores are closing in 42 states, as well as in Puerto Rico and Canada.
Here are the first of the locations GNC plans to close, arranged alphabetically by state:
Quintard Mall, 700 Quintard Drive, Oxford, AL
Flagstaff Mall, 4650 E 2 N Hwy 89, Flagstaff, AZ
Arrowhead Town Center, 7700 West Arrowhead Towne, Glendale, AZ
Madera Village, 9121 E. Tanque Verde Rd, Suite 115, Tucson, AZ
Benton Commons, 1402 Military Road, Benton, AR
Northwest Arkansas Plaza, 4201 North Shiloh Dr, Fayetteville, AR
The Mall at Turtle Creek, 3000 East Highland Ave, Space # 309, Jonesboro, AR
Park Plaza, 6000 W. Markham, Little Rock, AR
North Park Village Shopping Center, 103 North Park Dr, Monticello, AR
McCain Mall Shopping Center, 3929 McCain Blvd, North Little Rock, AR
Brawley Gateway, Brawley, CA
Rancho Marketplace Shopping Center, Burbank, CA
La Costa Town Square, 7615 Via Campanile Suite, Carlsbad, CA
Centrepointe Plaza, 1100 Mount Vernon Ave, Suite B, Colton, CA
Mountain Gate Plaza, 160 W. Foothill Parkway, #106, Corona, CA
Town Place, 787 1st Street, Gilroy, CA
Victoria Gardens, 12379 S Main St., Rancho Cucamonga, CA
Monterey Marketplace, Rancho Mirage, CA
Red Bluff Shopping Center, 925 South Main Street, Red Bluff, CA
Tierrasanta Town Center, San Diego, CA
Grayhawk Plaza, 20701 N. Scotsdale Rd, Suite 105, Scottsdale, AZ
Buena Park Mall, 8312 On The Mall, Buena Park, CA
East Bay Bridge Center, 3839 East Emery Street, Emeryville, CA
Vintage Faire Mall, 3401 Dale Road, Modesto, CA
Huntington Oaks Shopping Center, 514 W. Huntington Drive, Box 1106, Monrovia, CA
Del Monte Shopping Center, 350 Del Monte S.C., Monterey, CA
Antelope Valley Mall, 1233 Rancho Vista Blvd, Palmdale, CA
Town Country Village, 855 El Camino Real, Palo Alto, CA
Rancho Bernardo Town Center, Rancho Bernardo, CA
Rocklin Commons, 5194 Commons Drive 107, Rocklin, CA
Westfield Shoppingtown Mainplace, 2800 North Main Street, Suite 302, Santa Ana, CA
Gateway Plaza Shopping Center, 580b River St, Suite B, Santa Cruz, CA
Santa Rosa Plaza, 600 Santa Rosa Plaza, Suite 2032, Santa Rosa, CA
The Promenade Mall, 40820 Winchester Road, Temecula, CA
West Valley Mall, 3200 N. Naglee Rd., Suite 240, Tracy, CA
Union Square Marketplace, Union City, CA
Riverpoint Marketplace, West Sacramento, CA
Yucaipa Valley Center, 33676 Yucaipa Blvd, Yucaipa, CA
Chapel Hills Mall, 1710 Briargate Blvd at Jamboree Drive, Colorado Springs, CO
The Citadel, 750 Citadel Drive East, Space 1036, Colorado Springs, CO
River Landing, 3480 Wolverine Dr, Montrose, CO
Monument Marketplace, 15954 Jackson Creek Pkwy, Monument, CO
Central Park Plaza, 1809 Central Park Dr., Steamboat Springs, CO
Larkridge Shopping Center, 16560 N. Washington St, Thornton, CO
Woodland Park Plaza, 1115 E US Hwy 24, Woodland Park, CO
The Plaza At Burr Corners, 1131 Tolland Pike, Manchester, CT
Dover Mall, 1365 N. Dupont Highway, Dover, DE
Gateway West Shopping Center, 1030 Forest Ave, Dover, DE
Rockford Shops, 1404 North Dupont St, Wilmington, DE
Boynton Beach Mall, 801 N Congress St, Suite 763, Boynton Beach, FL
Clearwater Plaza, 1283 S. Missouri Ave, Clearwater, FL
Coral Square, 9295 West Atlantic Blvd, Coral Springs, FL
Dupont Lakes Shopping Center, 2783 Elkcam Blvd, Deltona, FL
The Shops @ Mission Lakes, 5516 South State Rd 7, Space # 128, Lake Worth, FL
Wickham Corners Shopping, 1070 North Wickham Road, Unit 106, Melbourne, FL
China’s rapidly growing fleet of electric buses could be the biggest existential threat to oil demand in the future as more and more vehicles shun fossil fuels.
A new report from Bloomberg New Energy Finance suggests that China’s electric-bus revolution could kill off oil demand in the future with 6.4 million barrels a day displaced by electric vehicles by 2040.
By the end of 2019, a cumulative 270,000 barrels a day of diesel demand, predominantly from China, will be removed from the market. China’s revolution in electric vehicles has been astonishing and looks set to continue into the future. For example, in the growing mega city of Shenzen, the entire 16,000 strong fleet of buses run on electric engines and taxis will soon follow suit.
Bloomberg estimates that electric buses and cars collectively account for 3% of global oil demand growth since 2011. The market is still small, making up around 0.3% of current consumption, but is set to expand rapidly in the coming years.
Global energy demand is still growing despite the boom in electric vehicles, with the US set to become the world’s largest oil exporter in the coming years.
A number of American cities and universities, such as the University of Utah, have unveiled electric-bus fleets in recent years. And in 2017, 12 major global cities agreed to buy only all-electric buses starting in 2025, according to Electrek.
This article originally appeared on Business Insider. Follow @BusinessInsider on Twitter.
Many veterans chose the military life in search of something bigger than themselves. This rings true even for British royalty. Just like his grandmother, Queen Elizabeth II, his father, Prince Charles, and his brother, Prince William, Prince Harry served in the British military — except his war stories from Afghanistan are far more impressive than most royals.
Prince Harry entered military service in September 2004 and went to The Royal Military Academy Sandhurst in May 2005. During his 44-week intensive training, he went under the name “Officer Cadet Wales” since royal British surnames don’t work like regular folk and he didn’t want any special treatment — despite the fact that everyone at the academy swore loyalty to his badass grandmother.
In case you didn’t know, he’s got badassery in his blood.
After graduating in April 2006, he became an armored reconnaissance troop leader in a unit scheduled to deploy to Iraq. When Defense Secretary John Reid stopped him from deploying, Prince Harry is quoted as saying
“If they said ‘no, you can’t go front line’ then I wouldn’t drag my sorry ass through Sandhurst and I wouldn’t be where I am now.”
Prince Harry didn’t just accept this order. He was determined to fight with his brothers and lead his troops. He finally got that chance in June 2007 when he was secretly allowed to deploy to Helmond Province, Afghanistan as a forward air controller — similar to the American joint terminal attack controller.
Even his living conditions were on par with his fellow soldiers.
When his unit and his Gurkha allies were attacked by the Taliban, Prince Harry himself jumped on the .50 cal to hold the line. He successfully repelled the attack all while the Britons back home knew nothing.
Prince Harry returned to England in May 2008 and began his training as an Apache pilot — as is an unofficial tradition among the House of Windsor — and he was damn good. He returned to Afghanistan, now as “Captain Wales.” The Taliban leaders got wind of his return and called for his head. That didn’t scare this badass and his missions were more ramped up.
In true veteran fashion, he was straight out of f*cks to give.
He returned to England with an untold number of combat missions under his belt (but, supposedly, there were a lot). He left active military service in 2015 but he continues to champion the military and veteran community through his countless organizations. He launched the Invictus Games in 2014 and has been a key figure of Walk With the Wounded, HALO Trust, and London Marathon Charitable Trust.
Ed Woodward had the harrowing experience of watching his identical twin brother die before his very eyes.
“We had just finished celebrating his first year of med school,” said Woodward in the video below. “And we were hit by a drunk driver going about 120 mph racing another car down the highway.”
As his sibling succumbed to his injuries, Woodward promised he’d live his life for both of them. In 2001, he launched his Air Force career as a 2nd lieutenant. He flew combat missions in support of Operation Northern Watch, Operation Noble Eagle, Operation Enduring Freedom, and Operation Iraqi Freedom.
His performance earned him an Air Medal, two Aerial Achievement Medals, two Air Force Commendation Medals and a nomination for the Air Mobility Command’s best tanker aircrew of the year in 2002. After getting his pilot wings, he was selected to fly the F-15C Eagle; it was a dream come true, Woodward said.
But with only five flights to go in his training tragedy struck again. He developed a blood clot during a heavy G force maneuver that almost killed him. It caused a brain injury ending his pilot aspirations and resulting in a medical discharge from the Air Force.
“I was lost,” Woodward said.
Watch Woodward tell his incredible story about how his commitment to his brother helped him find his purpose in life by going from fighter pilot to M.D. candidate:
Years of war have rendered Operation Iraqi Freedom (OIF) and Operation Enduring Freedom (OEF) service members with severe physical, mental and emotional scars that will likely impact them throughout their lives. The financial implications and consequences of these scars are well documented and can affect all aspects of their lives and lives of their family members to include housing, employment, and their financial well-being.
The PenFed Foundation’s Military Heroes Fund provides wounded veterans, military families, and caregivers with financial assistance and support that the Veterans Administration cannot offer due to budgetary and regulatory restrictions. These unmet needs are identified by VA advocates, National Guard case workers, the Army Wounded Warrior Program, and non-profit referral partners.
The Military Heroes Fund has two components:
Emergency financial assistance for OIF/OEF wounded warriors and their families facing short-term financial difficulties.
Family and Caregiver Transition Support
Child Care support provided for families of the wounded OIF/OEF families while receiving outpatient care at a VA medical facility, family visits, doctor visits, job-related.
Short term training or education expenses for job certification, licensure requirements and/or course materials such as course books technology fees, etc.
In-home health care for injured veteran to support caregiver respite needs.
The Military Heroes Fund gives grants to wounded veterans who:
Served in Operation Iraqi Freedom (OIF) or Operation Enduring Freedom (OEF)
Have been wounded, ill or injured during your OIF/OEF service
Have received an Honorable discharge
Are facing a financial emergency which is short-term
Can provide a DD214 and VA Disability Rating Certification or have one in progress
Can help us confirm your status by being referred by your Army Wounded Warrior advocate (AW2), Recovery Care coordinator (RCC), VA doctor or social worker, or another nonprofit advocacy organization
The Military Heroes Fund also gives grants to caregivers who:
Are a Family member and/or caregiver of an Operation Iraqi Freedom (OIF) or Operation Enduring Freedom (OEF) veteran
Can provide a DD214 and VA Disability Rating Certification for veteran, or have one in progress
Send copy of invoice or estimate for requested services from a licensed/certified individual, institution, or facility on official letterhead
Can help us confirm your status by being referred by your Army Wounded Warrior advocate (AW2), Recovery Care coordinator (RCC), VA doctor or social worker, or another nonprofit advocacy organization
The PenFed Foundation continuously examine potential grantees who meet all the above criteria. If you qualify, fill out and return the application form along with copies of your DD214, VA Disability Statement and the bill from the institution or creditor which you need assistance with. (From receipt of all documentation, it can take up to 10 days to process the grant. Grants are paid directly to the creditor.)
And before she even got a word in during the event, which is being televised live, the top Republican and top Democrat on the committee gave lengthy and passionate speeches about its work.
Rep. Trey Gowdy (R-South Carolina), the committee chairman, started with a fiery statement ripping into Clinton and rejecting her accusation that his investigation is a partisan sham to try and tear down her presidential campaign.
“Chris Stevens, Sean Smith, Glen Doherty and Tyrone Woods served our country with courage and with honor. They were killed under circumstances most of us could never imagine. Under cover of darkness, terrorists poured through the front gate of our facility and attacked our people and our property with machine guns, mortars and fire,” Gowdy began, according to his prepared remarks.
Gowdy called particular attention to Clinton’s controversial and exclusive use of a personal email server at the State Department, which he said had hindered previous investigations into the 2012 attack.
“This committee is the first committee, the only committee, to uncover the fact that Secretary Clinton exclusively used personal email on her own personal server for official business and kept the public record — including emails about Benghazi and Libya — in her own custody and control for almost two years after she left office,” he said.
“You made exclusive use of personal email and a personal server. When you left the State Department you kept those public records to yourself for almost two years. You and your attorneys decided what to return and what to delete. Those decisions were your decisions, not ours.”
Rep. Elijah Cummings (D-Maryland), the Benghazi committee’s ranking member, followed Gowdy’s remarks with a fiery speech of his own dismissing the committee as unnecessary and partisan.
“They set up this select committee with no rules, no deadline, and an unlimited budget. And they set them loose, Madam Secretary, because you’re running for president,” Cummings declared.
“Clearly, it is possible to conduct a serious, bipartisan investigation,” the Democrat added, according to his prepared remarks. “What is impossible is for any reasonable person to continue denying that Republicans are squandering millions of taxpayer dollars on this abusive effort to derail Secretary Clinton’s presidential campaign.”
Cummings pointed to the heated rhetoric of some Republican presidential candidates on the topic, including former Hewlett-Packard CEO Carly Fiorina, former Arkansas Gov. Mike Huckabee (R), and Sens. Rand Paul (R-Kentucky) and Lindsey Graham (R-South Carolina).
“Carly Fiorina has said that Secretary Clinton ‘has blood on her hands,’ Mike Huckabee accused her of ‘ignoring the warning calls from dying Americans in Benghazi,’ Senator Rand Paul said ‘Benghazi was a 3:00 a.m. phone call that she never picked up,’ and Senator Lindsay Graham tweeted, ‘Where the hell were you on the night of the Benghazi attack?'” he recalled.
Clinton, who spoke next, took a more measured and soft-spoken approach in her opening statement.
In recent weeks, Wall Street has talked a lot about the fears of a coming recession, fueled by a drop in government bond yields. The casual investor may have no idea what this means for them, but for homeowners in the military and beyond, it means now is the perfect time to refinance a mortgage.
What any potential refinancer needs to know is that the falling bond yield is pushing mortgage rates to their lowest levels in three years. In November 2018, the interest rate was steady at five percent. Eight months later, the interest rate in now at 3.6 percent and looking to fall further.
This isn’t some shady internet ad, promising easy money on Obama-era mortgage laws or new Trump-era government home loans – those certainly exist and everyone should be wary about trusting easy money. But the drop in mortgage rates comes directly from Freddie Mac, whose rate on a 30-year, fixed-rate mortgage fell to 3.6 in August 2019. The reason is that the 30-year rate is linked to 10-year Treasury Bonds. The rate of return on those bonds just fell to their lowest since October 2016.
(St. Louis Federal Reserve)
What this means is that suddenly your homeowner dollar goes a little bit further, considering the cost of taking out a new loan or refinancing an old one just dropped. According to Caliber Home Loans, a lending company who specializes in military and veteran homebuyers, the rule of thumb used to be that the interest rate for a new mortgage must be about two percentage points below the rate of a current mortgage for refinancing to make sense.
With new low- and no-cost refinancing from Caliber and other lenders, refinancing could make sense any time – especially right now, given the latest interest rates. A refinance could reduce overall interest while reducing a monthly payment. If you acted right now, you wouldn’t be alone, not by far. Falling rates boost the U.S. housing market.
It’s important to think of your home as an investment, too.
“My applications are up across the board,” said Angela Martin, a Nashville, Tenn.-based loan officer told the Wall Street Journal. “Every time the Fed starts talking is when my phone starts ringing off the hook.”
What Martin means is the Federal Reserve just cut the benchmark interest rate after a few successive rate hikes. This is when people start looking for a better deal. But be wary – lenders will sometimes employ different perks after a rate drop to entice customers to accept things like credits at closing instead of a lower rate.
For military families and veteran homeowners, look into military-oriented lenders like Caliber Home Loans. Caliber and companies like it specialize in the needs and benefits afforded to military members and veterans. Caliber is also a proud sponsor of the 2019 Military Influencer Conference, a three-day conference of service members, veterans, and spouses who work to elevate the military veteran community.