Reggae music star Shaggy has a plan to defeat ISIS terrorists, and it involves a lot of weed and reggae music.
The man behind “Boombastic” was asked how to counter the terrible band of murderous militants in Iraq and Syria in a recent interview in the Miami New Times, and he certainly delivered.
“ISIS can go f–k themselves,” he told Dyllan Furness. “That’s some crazy shit what they’re doing. It’s horrible, man. I can’t see … I don’t get that much hate. I just don’t get that level of evil. I can’t understand it.”
Interestingly the 46-year-old singer — real name Orville Burrell — who goes by “Shaggy” does have some military experience, having served as a Marine artilleryman during the Gulf War. But his strategy to fight against the self-proclaimed Islamic State is quite unconventional.
“If you’re able to cut a man’s head off, you’re sick,” he continued, “But right, music evokes emotion. So if they’re listening to Shaggy music or reggae music, they’re not going to want to cut somebody’s head off. There’re two thing you want to do when you listen to reggae: You get somebody pregnant, or you’re f–king high. High people don’t want to kill nothing; they want to love. They need to bag some Jamaican weed and distribute it amongst ISIS. I guarantee there won’t be any more wars out there.”
You hear that, DoD? Drop more weed, instead of high-explosive bombs.
When the US Air Force took delivery of its four E-4B Nightwatch ‘doomsday’ jets, they made sure the small fleet was capable of surviving a nuclear holocaust, its occupants safe and sound within its protective cocoons as they carried out their mission of directing the US military in the aftermath of the end of the world.
As it turns out, the Nightwatch may be able to survive a nuclear blast in the air, but the forces of nature are a different matter altogether.
On June 16, a pair of E-4Bs, currently known as “Advanced Airborne Command Posts,” found themselves sitting in the path of a tornado while parked at Offutt AFB in Nebraska. Though both aircraft were pulled into hangars, their tailplanes still sat somewhat exposed and suffered the wrath of the tornado, taking enough damage to keep them grounded and inoperable.
A number of RC-135 reconnaissance aircraft, also parked at Offutt at the time, were affected by the storm but were quickly repaired and returned to service.
The extent of the damage is unclear, though it’s probable that these two aircraft will be out of service for the time being as the Air Force and Boeing both evaluate and determine a course of action to repair them. The two remaining Nightwatches were away from Offutt at the time — one undergoing an overhaul, while the other is currently operational.
The tailplane of the Nightwatch does house one of its mission systems — a 5-mile long antenna which can be spooled out the rear of the aircraft while in-flight. This antenna allows the battle staff aboard the E-4B to communicate with the US Navy’s ballistic missile submarines while they’re underway. It’s definitely likely that this part of the aircraft, known as the Trailing Wire Antenna, sustained some damage during the storm.
The E-4B, formerly known as the National Airborne Operations Center, entered service with the Air Force in the 1970s, replacing older EC-135J “Looking Glass” aircraft, as “doomsday planes” — command posts that allow members of the US National Command Authority to stay in touch with the military during a catastrophic event. Each Nightwatch is equipped with an advanced communications suite that facilitates this, allowing it to virtually contact anything connected to a phone line in the entire world.
Today, Nightawtch serves as the Secretary of Defense’s official transport, ferrying him across the world on state-sponsored trips to foster good relationships with American military partners. Because of its communications abilities, the E-4B allows the SECDEF to remain constantly up-to-date on US military activity no matter where he is, even while flying.
The Air Force recently tendered a $73 million contract to support the E-4B’s expansive communications systems over the next seven years, though it’s possible that the service could potentially consider retiring all Nightwatch jets in the coming years in favor replacing them with newer aircraft with lower operating costs. The current hourly operating figure for a single E-4B is estimated to be at least $159,529 per hour.
Above the heavy financial burdens of flying these converted Boeing 747s, the small fleet is getting harder to support due to its age. The Air Force projects that by 2039, all E-4Bs will have maxed out their lifetime flying hours, necessitating a follow-on aircraft to carry out the same mission on behalf of the Air Force and NCA.
In May, the Air Force announced it would spearhead a joint program with the Navy to seek a replacement for the E-4B and the Navy’s E-6 Mercury. The E-6 is a continuation of the Looking Glass program, and shares a similar role with the Nightwatch fleet, though its mission is more popularly known as TACAMO, short for “Take Charge And Move Out.”
This project will see the Air Force and Navy unite their airborne command post assets under a fleet of identical nuclear-proof aircraft with next-generation communication and sensor systems. There’s no word just yet on whether or not America’s upcoming fleet of doomsday aircraft will be tornado-proof as well, however.
Godzilla may be king of the monsters, but during the Cold War, he’d find the Caspian Sea a little crowded.
Now, Russia is building a new Caspian Sea Monster.
According to a tweet by the Russian embassy in South Africa, the Chaika A-050 is slated to enter service by 2020. The A-050 is what is known as an “ekranoplan,” or ground-effect vehicle. The Soviet Union pushed these airplane hybrids during the Cold War, largely because they offered a unique mix of the capabilities of ships and aircraft.
According to militaryfactory.com, the Lun-class ekranoplan is one such example. It had a top speed of 342 miles per hour — slightly slower than the B-29 Superfortress — which could go 358 miles per hour. However, the Lun carried six SS-N-22 Sunburn anti-ship missiles, which are limited for use on surface combatants like the Sovremenny-class destroyer and Tarantul-class missile boat. The Lun could climb to as high as 24,000 feet.
According to a 2015 report by Valuewalk.com, the Chaika A-050 will travel at speeds of up to 300 miles per hour, with a range of 3,000 miles. It will be able to carry at least nine tons of cargo or 100 passengers. However, a Sputnik News report indicated that the Russians could install the BrahMos missile on the new ekranoplan.
The BrahMos is a version of the SS-N-26 Oniks surface-to-surface missile that has been installed on a number of Indian Navy vessels. According to the Center for Strategic and International Studies, the BrahMos has a top speed of Mach 2.8 and a range of 500 kilometers. The missile carries a 300-kilogram warhead, and can hit surface ships or land targets. The missile can be used by submarines and surface ships.
The United States Navy is investigating how a Trump flag ended up being flown while a SEAL unit was convoying between training locations.
According to reports by the Daily Caller and ABCNews.com, the convoy was spotted outside Louisville, Kentucky this past Sunday. The Lexington Herald Leader reported that the lead vehicle of the convoy flew a blue Trump flag. A Navy spokeswoman told ABC that the flying of the flag was not authorized.
A Department of Defense document titled “Guidance on Political Activity and DoD Support” and dated July 6, 2016, states, “Per longstanding DoD policy, active duty personnel may not engage in partisan political activities and all military personnel should avoid the inference that their political activities imply or appear to imply DoD sponsorship, approval, or endorsement of a political candidate, campaign, or cause. Members on active duty may not campaign for a partisan candidate, engage in partisan fundraising activities, serve as an officer of a partisan club, or speak before a partisan gathering.”
This is not the first time that SEALs have run afoul of potential political minefields. In November of 2013, the Daily Caller reported that SEALs were ordered to remove patches based on the First Navy Jack, which featured a rattlesnake and the words “Don’t Tread on Me” due to the fact that the very similar Gadsden Flag was used by the Tea Party. The major difference is that the First Navy Jack has red and white stripes as a background, while that of the Gadsden Flag is solid yellow. The rattlesnakes are also posed differently.
A June 2014 report from the Washington Post noted that the orders came about due to a misinterpretation — and that the patches were okay. It also noted the military was ordering more of the patches based on the First Navy Jack.
Defense Department officials told lawmakers Wednesday they hope to forgive about 90 percent of cases involving thousands of California National Guard members that auditors say received improper bonuses during the height of the wars in Iraq and Afghanistan.
“It is my hope that by the end of the year, we will have something between 1,000 and 2,000 cases total out of the universe of 17,000 that are subject to review,” Peter Levine, undersecretary of Defense for Personnel and Readiness, told members of the House Armed Services Committee.
Levine was among Pentagon and Army National Guard officials who testified at the Dec. 7 hearing to tell lawmakers how the Pentagon plans to resolve what some are calling a betrayal of the troops by next summer and prevent similar incidents from occurring in the future.
“Compensation, whether it is a bonus for a service agreement or regular pay, is an obligation to our service members and their families that they should not have to worry about,” said Rep. Joseph Heck, a Republican from Nevada and chairman of the panel’s Military Personnel Subcommittee.
“I find it unacceptable that we would place the additional burden of years of concern about the legitimacy of a bonus payment or a student loan repayment on those who volunteer to serve,” he added.
Lawmakers have come up with a compromise as part of the National Defense Authorization Act that calls on the Pentagon to forgive the enlistment bonuses and student loan benefits unless the soldier who received the money “knew or reasonably should have known” that he or she was ineligible for it.
The Los Angeles Times/Tribune Washington Bureau reported last month that the Pentagon was demanding repayment of enlistment bonuses given to California Guard soldiers to help fill enlistment quotas for the wars. Many of the soldiers served in combat, and some returned with severe injuries.
Many of soldiers were told to repay bonuses of $15,000 or more years after they had completed their military service. Student loan repayments, which were also given out improperly to soldiers with educational loans, sometimes totaled as much as $50,000.
“Many reasons these cases are particularly troublesome,” Levine said. “Many of them are based on a technical deficiency.
“Particularly in cases like this, where we have a service member who made a commitment on the basis of a bonus and served out that commitment, so when we come in later after someone has fulfilled their commitment and then question on a technical ground why they received a bonus in the first place — that is a particular hardship,” he said.
There are two basic categories of cases, Levine said. One type involves about 1,400 cases already ordered to pay back bonuses. The second category of 16,000 cases involves soldiers who were put under suspicion or threat of recoupment of bonuses they received.
“For those cases that are in recoupment, we have the question of, ‘Are we going to dismiss the case? Are we going to forgive the debt? Are we going to repay the soldier if we decide it was improper?’ ” Levine said.
Through detailed screenings, “It’s my hope we can get from about 1,400 down to about 700 … that’s a goal; I don’t know what exact numbers we can get to.”
As for the larger category of about 16,000 cases, “We have greater discretion because we haven’t yet established the debt yet,” Levine said.
Several “rules of thumb” will be established in an attempt to:
— Screen out cases that are more than 10 years old.
— Screen out cases with a debt of $10,000 or less.
— Screen out most of the cases that involve enlisted members and lower ranking members without prior service on the basis that it’s unlikely they would be able to understand their contract fully without assistance.
“As we go through those screens from that second universe of 16,000 or so cases, I expect to reduce that by about 90 percent, so we get down to about 10 percent,” Levine said. “We will then put that universe through the kinds of substantive screens, and I hope to get that down further.
“The objective is to find that easy ones first, get rid of those, tell people ‘we are not pursuing you … we are telling you, you are off the hook; we are done with you,’ so we can focus our resources on the cases that are the most significant.”
Many lawmakers said they felt the California Guard scandal severely damaged the trust of current Guard members across the country.
“In some of these cases, there have been troops — through no fault of their own — that are suffering the consequences,” said Rep. Paul Cook, a Republican from California. “It’s our fault, and I use that word collectively on behalf of all officers that are in positions of authority. We betrayed the trust of the troops, and there is no excuse for that.”
Rep. Susan Davis, a Democrat from the state, said it’s “critically important that we do not forget service members and their families that have been deeply affected by this.”
“Once these families have encountered financial hardships, we know it can be truly difficult to recover. Even if we return their bonus, we have already upended their lives by creating unnecessary emotional stress and financial instability.”
Army Master Sgt. Toni Jaffe, the California Guard’s incentive manager, pleaded guilty in 2011 to filing false claims of $15.2 million and was sentenced to 30 months in federal prison.
But National Guard officials told lawmakers that many others were held accountable, including leaders who failed to provide proper oversight, said Maj. Gen. David S. Baldwin, adjutant general for the California National Guard.
“We punished, within the California National Guard, 61 people — including firing four general officers and two full colonels,” Baldwin said.
The Department of Justice prosecuted 44 soldiers. Of those, 26 were found guilty and convicted, Baldwin said. Another 15 cases are pending, and the remainder were either dismissed or acquitted, Baldwin said.
Lt. Gen. Timothy Kadavy, director of the Army National Guard, told lawmakers that the National Guard Bureau has taken steps to prevent this from happening again.
In 2010, the bureau conducted a review of all incentive programs across all states territories and the District of Columbia and found “no systemic fraud,” Kadavy said.
In 2012, the National Guard stood up the Guard Incentive Management System, or GIMS, which now provides “a centralized oversight program for bonus and incentive payments,” he said.
In 2016, the Army Audit Agency conducted an “external review” of GIMS and validated its effectiveness, Kadavy said. Auditors found that the system “substantially improved the controls of eligibility monitoring and payment phases of the incentive process.”
Despite the steps being taken to resolve the problem, officials admitted that they should have known about this a lot sooner.
“We have oversight on the California National Guard, the Army has oversight, the National Guard Bureau has oversight,” Levine said. “We were not aware of this until we read it in the newspaper, and that is on us; we missed this.”
China wants to become east Asia’s dominant power. And in order to do that, the country needs a navy that can balance out American and US-allied assets in the region.
China wants a force that is capable of operating for extended periods in the open ocean, away from the coasts or support bases. A “blue-water navy” would allow China to protect vital trade routes while also enabling Beijing to project force in areas far from China’s coastline.
Beijing’s naval development could be one of the biggest strategic challenges the US faces in coming decades. And the Chinese navy is already pretty formidable. The following graphic from the US Office of Naval Intelligence shows every surface ship in the Chinese Navy as of February 2015 (you can view a much larger version of the graphic here):
The largest ship in China’s navy is currently the Liaoning aircraft carrier, a refurbished Soviet-built craft that’s had an array of problems. The vessel is several decades old and of questionable quality — it suffered an unexpected power outage during sea trials in October of 2014.
But the Liaoning may just be a practice carrier for the Chinese Navy. China is using the low-cost vessel to master the operation of carrier battle groups before purchasing and developing more expensive and capable vessels.
There are reports that China is planning on developing three carrier battle groups, in a massive ramping-up of naval force projection.
The Luyang II 052C class guided missile destroyer is also noteworthy. These ships are designed to operate in open ocean away from China’s coasts, allowing Beijing to press its territorial ambitions throughout the Pacific and the South China Sea.
Additionally, a ship model called the Jinan will feature a number of new-generation weapons, and is specially designed to protect any future Chinese aircraft carriers.
“The guided missile destroyer Ji’nan (hull number 152), is equipped with multiple sets of home-made new-type weapons,” China Military Online reports.
“It is able to attack surface warships and submarines independently or in coordination with other strength of the PLAN. The ship also possesses strong capabilities of conducting long-distance early-warning and detecting as well as regional air-defense operation.”
A dramatic rescue of a little girl trapped by ISIS gunfire was captured Friday on video.
David Eubank, a former Special Forces soldier-turned-aid worker, was filmed as he ran out in the open amid ISIS sniper fire to rescue the girl as two other men covered him with rifle fire.
“I thought, ‘If I die doing this, my wife and kids would understand,” Eubank told the Los Angeles Times.
According to the Times, Eubank’s dramatic rescue played out on a street in the Iraqi city of Mosul, where ISIS snipers were firing at civilians that were attempting to flee. Wearing only a t-shirt, bulletproof vest, and helmet, Eubank is seen running out into the street approximately 150 yards where he picks up the girl and brings her back safely behind a tank.
Eubank, 56, served for a decade with the US Army Special Forces. After leaving the military, he founded an aid group called the Free Burma Rangers, which seeks to bring “hope and love to people in the conflict zones of Burma, Iraq, and Sudan,” according to its website.
But there were other heroic deeds during the attack.
According to the 9/11 Commission report, when word reached North American Aerospace Command, also known as NORAD, of the first hijacking, two F-15 Eagles from the Massachusetts Air National Guard were scrambled to try to intercept the planes. They took off just as Flight 11 hit the North Tower – WTC 1 – at 8:53 AM on that Tuesday morning.
NORAD had last dealt with a hijacking in 1993. One thing that worked against NORAD during that terrible day was the fact that that there were very few sites from which interceptors could launch.
During the Cold War, the 9/11 Commission Report noted, there had been 26 sites.
Other military jets — F-15s from the 1st Fighter Wing at Langley Air Force Base in Hampton Virginia, and F-16s from the District of Colombia Air National Guard based at Andrews Air Force Base — had also scrambled. Pilots from the latter unit were armed only with dummy rounds for their M61 Vulcan 20mm cannon.
The F-15 pilots, according to the commission report, didn’t even know they were looking for hijacked airliners. The lead pilot would later be quoted in the report as saying, “I reverted to the Russian threat. …I’m thinking cruise missile threat from the sea.”
It as a credit to NORAD, that even though they were unable to keep the airliners from hitting targets, military personnel were able to face an unprecedented threat and challenge with an improvised air-defense system cobbled together in a matter of hours, despite having never trained to face that threat.
On the first day of what one unidentified officer called “a new type of war,” they reacted with skill and professionalism.
WWI is regarded as the world’s first “total” war, not only because of the enormity of its destruction and the sheer loss of human life, but also because so many non-combatants on the home front were tapped to help in their nation’s war efforts. As men left for combat, women could increasingly be found working in and managing such traditionally male-dominated fields as transportation and industry, and many women departed for the dangers of the front as nurses, laundresses, cooks, and drivers—often for the purpose of freeing more men up for the actual fighting.
While much of this is well-known to the typical First World War buff, what many do not know is that Russia—and Russia alone—created all-female combat units to actively fight alongside men on the front. According to Melissa Stockdale’s article “‘My Death for the Motherland Is Happiness’: Women, Patriotism, and Soldiering in Russia’s Great War,” the most famous of these units was known as The First Women’s Battalion of Death, and it’s estimated that approximately 6,000 Russian women served in such battalions throughout the war.
To understand how these battalions came about, one must first understand some basics of the Russian domestic situation at this time.
In March of 1917, Tsar Nicholas, submitting to the fact that he could no longer fight the tides of revolution, abdicated the throne to an incredibly precarious—albeit democratic—new government. The following months saw a flood of liberal and egalitarian policies instituted throughout Russia, with women getting the vote, as well as legal entitlement to equal pay.
Meanwhile, the new government also believed that victory in the World War was vital to the country’s self-interest. Laurie Stoff, author of They Fought for the Motherland: Russia’s Women Soldiers in WWI and the Revolution, writes that this meant newly appointed Minister of War Alexandra Kerensky was now faced with the mammoth task of breathing life into a war effort of which the majority of Russians—especially Russian soldiers—wanted no more part. Insubordination rates and violence against officers (especially officers with aristocratic backgrounds) were at an all-time high, and after three years at the front in often horrific day-to-day conditions, most of Russia’s soldiers simply wanted to go home.
Kerensky’s answer to low morale was the creation of what he called “shock battalions,” or “battalions of death,” which he envisioned as brigades of the most disciplined, exemplary Russian fighters. They would theoretically be deployed to various places along the front to awe and inspire war-weary soldiers.
Kerensky’s vision of these shock battalions coincided almost exactly with an idea brought forward by a peasant-woman-turned-soldier named Maria Bochkareva (while by no means common, there were a number of known incidents of individual women serving in otherwise all-male units throughout Europe during this time). Bochkareva asserted that a disciplined, exemplary battalion of Russian women could serve to “shame” the weary and unmotivated soldiers at the front.
While Bochkareva earnestly believed in a woman’s ability to fight, The Ministry of War mostly saw her proposal as the perfect propaganda tool to compliment their shock battalions—if even women, they reasoned, were answering their country’s call to arms, then surely men would feel obliged to follow suit. Thus, Kerensky gave his permission for the First Women’s Battalion of Death to be formed, led under Bochkareva’s command.
According to historian Richard Abraham, The First Women’s Battalion of Death was made public in late May with a major publicity campaign throughout St. Petersburg, and within a matter of weeks the Battalion had over 2,000 female recruits from a diverse range of backgrounds and education levels.
Enlistment was open to women aged eighteen and older, with women under the age of twenty-one required to have permission from their parents to join. According to Stockdale, the recruits were also made to swear an oath in which they promised everything from “courage and valor” to “cheerfulness, happiness, kindness, hospitality, chastity, and fastidiousness.” After these initial requirements were met, as well as the passing of a health evaluation, the women were marched off to training grounds to begin the process that would turn them from “women to soldiers.”
This process first entailed the shaving of their heads, ridding the women of one of their most “impractical” and outwardly feminine features. As no uniforms for women existed, the recruits were administered clothes designed for men that were often ill-fitting on the female frame; this proved especially problematic in regards to footwear, as their boots were often impossibly over-sized. To further enforce their new identities, Bochkareva discouraged and punished excessive smiling and giggling—behavior she considered overly-feminine—and instead encouraged spitting, smoking, and cursing among her recruits.
Along with these physical transformations, the women also began a grueling daily training process designed to prepare them for battle. The recruits rose at five o’ clock each morning and drilled until nine o’ clock at night, at which point they slept on bare boards covered by thin bed sheets. Their training consisted of strenuous exercises, marching drills, lessons in hand-to-hand combat, and rifle handling.
Any behavior deemed “flirtatious” or at all feminine was strictly prohibited, and Bochkareva was known to punish even minor transgressions with corporal punishment. She stomped out any signs of traditional femininity not only in an attempt to make “warriors of the weaker sex,” but also in order to curb government anxiety that female soldiers at the front would result in illicit sexual relations. As one official stated, “Who will guarantee that the presence of women soldiers at the front will not yield there little soldiers?” Bochkareva thus deemed the sexlessness of her soldiers as a mark of her own professional dedication and triumph.
Stockdale states that while on the home front these female soldiers were publicly celebrated, their reception in combat was decidedly less welcome. Upon arriving at the front, the Battalion was met with boos, jeers, and an overall sense of resentment by male soldiers. Not only did the deep-rooted misogyny of the military complex and culture at large shine through, but in general, the exhausted men were antagonistic to anything that they perceived as an attempt by their leaders to prolong the fighting.
Even when the Women’s Battalion proved itself both disciplined and courageous under fire, male soldiers remained angered and insulted by their presence. Within just a few months, Bochkareva was forced to disband the unit, allowing her women to join groups elsewhere wherever they saw fit. In her memoir, Yashka, My Life As A Peasant, Exile, and Soldier, Bochkareva, wrote:
“They could not stand it much longer where they were. They were prepared to fight the Germans, to be tortured by them, to die at their hands or in prison camps. But they were not prepared for the torments and humiliations that they were made to suffer by our own men. That had never entered into our calculations at the time that the Battalion was formed.”
Upon the ultimate Bolshevik takeover in the fall, Russia withdrew from the war altogether, and the ill-fated women’s battalions faded into practically less than a footnote in Russian history. Some scholars speculate that this is because the battalions were so closely associated with the military propaganda of the old regime, whereas others assert that it had more to do with the Russian people’s desperate desire to return to some sense of normalcy after years of international and internal warfare.
Stockdale writes that the women soldiers themselves had an extremely difficult time readjusting after their return home. Their close-shaven heads made them instantly recognizable as former members of female battalions, and they were easy targets in the mist of the Bolshevik fervor taking hold of the country; there are eye-witness accounts of former battalion members getting beaten, sexually assaulted, and even thrown off moving trains during this period.
Remarkably, many of the former battalion members continued in their desire to fight, with a large number joining both the revolutionary and anti-revolutionary armies on individual bases in the years to come.
In this episode of SITREP, host Paul sits down with Rick Bettencourt to discuss VA Home loans. The intensity of the housing market means that now more than ever, veterans and active duty service members are looking for the least expensive way to buy a home.
This video covers everything from how to apply, PCSing tips, credit scores and more. It’s a long and comprehensive video that lasts for almost two hours. If you’re interested in learning more about a VA loan we’re covering the highlights here until you have time to watch the full video.
This year, the VA is expected to guarantee or close on 1.7 million loans, marking the second record-setting year for the VA. That means the VA expects 1.7 million veterans and active duty service members are expected to purchase or refinance their homes.
What is a VA Home Loan?
VA home loans were created in 1944 as a way to help World War II veterans coming back from the Pacific and European theaters buy homes with reasonable interest rates. Since 1944, nearly 30 million VA loans have been guaranteed through the system.
It’s important to remember this benefit isn’t just for veterans – it’s for any active duty, reserve, national guard personnel who met the service requirements. Surprisingly, only 14% of veterans nationally choose to use a VA loan.
Where does VA Home Loan money come from?
Contrary to what many assume, the VA does not issue money for a VA loan. Conventional lending institutions like banks and credit unions issue the funds. The VA guarantees 25% of the amount borrowed by the veteran. Imagine a veteran chooses to finance $400,000 for a home after certifying eligibility through the VA. Then the VA issues the lender a Certificate of Guarantee. The COG means that 25% of whatever the lender issues is covered. If the service member is not able to make payment or defaults on the loan, the VA will send a check to the lender for 25% of what’s borrowed. In other words, the VA is taking 25% of the risk for the lender. That’s one of the reasons why the VA has the best rates and the most favorable credit guidelines. VA loans don’t require Private Mortgage Insurance (PMI), unlike conventional loans.
VA Home Loan borrowing limits + the Blue Water Navy Act
As a result of the Blue Water Navy Act, there is no limit on the amount of money a veteran or service member can borrow to purchase a home. That means eligible veterans, service members, and survivors who are fully eligible for a VA home loan no longer have limits on loans over $144,000. However, in order for this to be true, one of these two criteria must be met:
Never used your home loan benefit, or paid a previous VA loan in full and sold the property (in this case, you’d have your full entitlement restored), or
Used your home loan benefit but had a foreclosure or compromise claim (also called a short sale) and repaid us in full
First-time use VA Home Loan
You are eligible to use your VA loan as many times as you like. However, non-disabled veterans and active duty service members might be required to pay a funding fee and/or a subsequence use fee if you choose to use your VA loan more than once. Veterans with a 10% or more service-connected disability have no funding fees.
PCS and VA Home Loans
It’s entirely possible to retain ownership of a home, PCS, and use a VA loan to buy a new home at a new installation. There will be a subsequent use fee associated with this purchase because active duty Service members are not exempt from subsequent use fees. The one exception to this rule is if an active duty Service member has been awarded a Purple Heart. In that case, they are exempt from all funding fees in perpetuity.
Researching a VA Home Loan lender
If you’re considering purchasing a home, it’s highly recommended that you explore the VA Home Loan page, where you can look up quarterly, and annual lender volume reports. This will help you understand which lenders might be more amenable to VA loans. How to shop for a mortgage is equally as important as selecting the perfect house for you and your family. The more research you put into this part of the process, the better the result. You should look for a VA home loan lender who is familiar with military culture and understands your unique experiences as a Service member.
VA Home Loan Funding Fees
Funding fees are not out of pocket costs when you purchase a home. This amount is financed into the cost of the loan. For veterans with first-time use, the funding fee is 2.3% of the loan amount. On a $100,000 loan, the funding fee is $2,300, so the loan amount would be 102,300. Funding fees change based on how much money is being financed. If you choose to put a 5 or 10% down payment on the house, the funding fees will change.
How to apply for VA Home Loan + Documents needed to apply for VA Home Loan
Rick Bettencourt suggests asking around among the military community to find a lender. After you’ve selected a VA-approved lender, you’ll need to obtain a Certificate of Eligibility (COE). The COE proves you meet initial eligibility requirements for VA loan benefits. It also ensures the lender knows how much entitlement you can receive.
Next, pre-qualifying your loan amount can help you save time and avoid potential surprises. You’ll need to provide information about your income, credit history, and other information. A pre-qualification letter helps establish the price range for a home you can afford. It doesn’t guarantee that you’ll be approved for your loan.
You’ll need to gather a copy of your LES if you’re on active duty, your DD-214 if you’re a veteran, along with any relevant financial paperwork that establishes your income and marital status.
Credit score for VA Home Loan
The VA doesn’t require a certain credit score but having a higher score might mean better interest rates and loan terms. Private lenders that issue VA loans usually want to see scores between 580-660 to be eligible for a loan.
Three tips for first-time buyer with VA Home Loan
Rick says the best way to make the home buying process fun and enjoyable is to follow these three tips.
Have an honest conversation about the financial feasibility of making a home purchase. Having a candid conversation will help make sure that you and your family are ready.
Research various lenders that work with VA loans and make sure you select a good lender.
Make sure you have some money saved. Home inspections, escrow, and appraisal costs should all be prepared for ahead of time. Know what you can spend comfortably before you pull the trigger.
Watch the video for the complete conversation, which includes info about buying multi-family homes, waiting periods and more.
Featured photo: A home is advertised for sale in Hampton Roads, Va., Jan. 3, 2017. The 733rd Civil Engineer Division Housing Referral Office at Joint Base Langley-Eustis, Va. hosts a monthly home buying and selling seminar for all U.S. service members and civilians with access to the installation. (U.S. Air Force photo by Staff Sgt. Teresa J. Cleveland)
Sailing saved Ronnie Simpson’s life. He was an 18 year old high school senior in Atlanta, Georgia when the U.S.-led invasion of Iraq began in March 2003. Drawn to service by the events of September 11, Ronnie joined the Marine Corps Infantry the day after the war started.
Less than a year later in March 2004, he deployed to Iraq with the 2nd Battalion, 2nd Marines.
“I was a .50 cal gunner on top of a Humvee,” he recalls. “Four months into my deployment, we were ambushed during a night-time convoy, and an RPG hit the ground near my Humvee. The rocket bounced up and exploded in the air one meter from me. I had broken ribs, detached retinas, a bleeding brain which created sub-retinal fluid, a traumatic brain injury (TBI), a blown-out left lung and my tongue was blown into my airway. I was temporarily knocked unconscious. Because I wasn’t breathing and was unresponsive, Marines in my truck thought I was dead. It was actually a textbook blast injury. The Corpsman in my Humvee, Doc David Segundo, was injured too but he got up, cleared my airway, and saved my life.”
Simpson, now 30 years old, spent a lot of time recovering both physically and mentally. Most of his TBI symptoms weren’t permanent (he credits the helmet technology for that). Despite having burns over 10 percent of his body, many of those scars aren’t visible.
“It fucked me up pretty good,” he says. “Unless you knew me though, you’d never know I’m hurt. I have no visible scars unless I take my shirt off. Then I have many.”
Simpson is legally blind and can’t obtain a driver’s license. Though his body healed, his mental state took much longer. He reevaluated his life and experiences through a 9,000-mile bike trek across Europe and Asia in 2009 and more than 50,000 miles at sea, both healing counterpoints to his experiences in Iraq.
“My time in theater and my travels have shaped my perspective,” Simpson says. “There’s a lot of good and beauty in this world, and I want to add to that. Our program is about helping the men and women that are coming back – the veterans – the people we should be looking out for. We in the veteran community have these experiences and while we may interpret them differently, this shared experience can bring us together. We can come together to create profound and impactful programs to help the veterans from these two wars as well as something permanent and sustainable for veterans of future conflicts.”
Sailing is the catalyst for Simpson’s initiative. Not only his love for sailing but how he changed his life and how he aims to change the lives of others.
“I joined the Marines at 18, was injured in combat at 19, my dad died four months after I got hurt, and by 20 I was medically retired,” Simpson says. “By 22 I was a lost soul. I had reached my deepest, darkest point. I’m fearful of what would have happened if I hadn’t flipped the script. I broke off an engagement, sold my house, and moved from Texas to California. That move was my re-birth as a new person.”
On the California coast, he found his calling. After living so recklessly, he became completely focused on becoming a racing sailor and making the most of his life. Seven years later, Simpson now travels the world as a professional sailor and sailing writer.
“It helped me heal,” Simpson says. “These adventures help you positively adrenalize yourself in a sustainable manner. Guys who come back from places like Fallujah have experienced adrenaline like most will never know, and again need to achieve that heightened state of existence. But where will they find it? Drugs, alcohol, or doping the pain away with pills? I can put you on the helm of a racing sailboat in the middle of the night and it will rock your world. This is a healthy way to get that fix.”
It’s not just about giving people the fix of adrenaline they were accustomed to while in combat. For Simpson and his sailing nonprofit – Coastal and Offshore Recalibration Experience, or CORE (www.medicinalmissions.com/CORE), that community of veterans is the most important result.
“Because that’s what it is: a Community,” he says. “On a sailboat you can put anyone into a job they can do, regardless of their injury. It’s a sport that doesn’t care if you have arms or legs. That’s a big part of it. Everyone has an assigned, defined role. There’s a chain of command, a defined mission, teamwork is critical and constant risk management is all part of the game. The parallels between racing sailboats and combat are incredible. When you combine that with the peacefulness and serenity of heading to sea with your brothers and sisters, it’s a powerful experience.”
Simpson and his best friend Army veteran Walter Kotecki, created a sailing program within an existing wounded-veteran nonprofit, raised $50,000 through yacht clubs and private donors, and gave a sailing experience to 30 veterans over the course of four clinics in 2012 and 2013.
“There’s always a steep learning curve when you start your own thing. We flew vets to San Francisco,” he says. “They had the whole range of injuries from PTSD to multiple amputees to blindness. We used sailing, surfing, yoga, nature walks, kayaking, art and more to help these guys look past their injuries and realize that anything is possible, no matter their injury, while re-establishing that sense of camaraderie and community that so many have lost since leaving the service.”
It was so successful and the veterans so responsive Simpson and Kotecki decided to strike out on their own earlier this year, forming CORE.
“I had a Vietnam vet hook me up with a racing sailboat and an opportunity,” says Simpson. “He passed that torch to me and told me to pay it forward. Here’s my chance to hook somebody else up. Let’s re-build that community and keep that torch going.”
CORE is seeking veterans of the recent conflicts in Iraq and Afghanistan to participate in more sailing clinics throughout California, with the first being in San Francisco in October of this year. They will be accepting applications until August 31. For 2016, CORE is planning six to eight clinics up and down the California coast.
The most ambitious plan for CORE is participating in the 2017 Transpacific Yacht Race – where they will train a full crew of combat-wounded veterans to sail from Los Angeles to Honolulu, the first time ever that such a crew would be assembled.
“Our goal is to help reduce the rate of veteran suicide in this country. Sailing is one of the tools that we use,” he says.
Simpson is now featured in a series of short films produced by Craftsman, We Are The Mighty, and Iraq and Afghanistan Veterans of America (IAVA), showing how IAVA empowers veterans as they transition back to civilian life.
“It’s admirable for companies like Craftsman to reach out to veterans groups to benefit the guys and girls that are coming back,” Simpson says. “I see a positive shift in awareness about issues that affect veterans, how we can improve the care of veterans, and how we can achieve a more holistic healing approach instead of pumping them full of drugs.”
Craftsman is donating $250,000 to IAVA and from May 25 – July 4, for every new follower of @Craftsman on Instagram, Craftsman will donate an additional $1 to IAVA (with a minimum donation of $5,000).
“I am honored to be part of this and stoked that a big corporation is out to make a difference of stemming the tide of 22 veterans a day,” Simpson says. “I’m excited that they believe in what we’re doing, and to work on this next mission of saving lives by reaching out to the veteran community.”
Reports emerged in late July that the Pentagon has devised a plan to arm Ukrainian forces fighting Russian-backed separatists with defensive weapons, such as Javelin missiles.
But many Ukrainian soldiers on the ground believe the plan would give them more of a psychological edge than anything, according to The Daily Signal.
“The weapons themselves will not have a decisive impact on the course of combat operations,” Andrei Mikheychenko, a lieutenant in the Ukrainian army, told The Daily Signal. “Deliveries of lethal weapons, in my opinion, will primarily have psychological significance for both the Ukrainian army and the terrorists it fights.”
The war in eastern Ukraine started shortly after Russia annexed Crimea in 2014 when pro-Russian Ukrainians proclaimed parts of the Donbas as independent states known as the Donetsk People’s Republic and Luhansk People’s Republic.
And since then, both sides have been engaged in a full-fledged psychological war.
In an effort to intimidate and vex their enemies, Ukrainian troops have at times pretended to be members of US Navy SEAL Team 6 and give orders over the radio in English, The Daily Signal said. Other times, they’ve even raised American flags above their lines.
In 2015, Ukrainian troops changed the name of a street in the village of Krymske, which is on the front lines near the LPR, from some old Soviet hero to “John McCain Street,” The Daily Signal said.
A few months ago, one journalist with Ukrainian troops received a text message, as did all the soldiers with whom she was embedded, saying “Ukrainian soldiers, they’ll find your bodies when the snow melts,” according to the Associated Press.
“Leave and you will live,” other text messages will say, or “Nobody needs your kids to become orphans.”
Russian-backed separatists have also been known to use more brutal psychological tactics.
A Ukrainian soldier is forced to eat his own army badge by Russian-backed separatists. Screenshot from YouTube user PavelDonbass
In early 2015, videos emerged of rebel commanders forcing captured Ukrainian troops to kneel on the ground and eat their own army badges.
While many Ukrainian soldiers believe that the US supplying them with defensive weapons would help them in the psychological war, they also believe it will give them a combat edge and help deter attacks, The Daily Signal said.
Russian-backed separatists currently have about 478 working tanks, The Daily Signal said, and most of these can be taken out by the Javelin.
However other European nations, such as France and Germany, are worried that supplying Kiev with such lethal weapons would only increase the fighting.
While fighting slightly increased in July, the three-year old war, for the most part, has ground to a stalemate in which the two sides lob mortars and grenades from afar and trade sniper fire.
At least 10,090 people — including 2,777 civilians — have been killed, and nearly 24,000 have been wounded, through May 15, according to the UN. More than 1.6 million people have been internally displaced.
President Donald Trump has yet to approve the weapons deal, and is expected to make a decision in coming months.