Time to slay the myth around the magical unicorn called the “VA Loan” - We Are The Mighty
MIGHTY MONEY

Time to slay the myth around the magical unicorn called the “VA Loan”

Since transitioning out of the military, I’ve had the, um, “pleasure” of being around a lot more civilians. Some of the questions I’m asked on an annoyingly regular basis are, “Aren’t VA loans awesome? Don’t you get a free house? Did you get yours?”


Time to slay the myth around the magical unicorn called the “VA Loan”

After polling some veterans, I realized I should give a little brief on the subject. Time to slay the myth around what a VA loan is or isn’t.

First: The VA loan is, in fact, not a loan at all.

The VA Loan Program, created in 1944 as part of the Servicemen’s Readjustment Act, is a service the Department of Veteran Affairs created to help veterans returning from WWII buy a home.

According to the VA website, “VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.”

Essentially, the VA will co-sign a loan with you, and that gives you a few perks.

Why is co-signing helpful?

When new adults try to rent an apartment or buy a car, most people won’t trust them unless they get a “guarantor” to co-sign the loan or the lease, usually in the form of a parent or older family member. After faithfully paying rent and payments on a loan or two, civilians in their 20s build up credit and no longer need anyone to sign off their financial choices.

Military personnel and veterans are a bit different. Our lifestyle inherently makes us look financially untrustworthy.

How are you 24 with no rental history?” I live in a barracks.

You seem to have moved every two years...” Yep.

You disappeared from our system for over a year except for credit card transactions from… Afghanistan. Are you a terrorist?” It’s called deployment!

Time to slay the myth around the magical unicorn called the “VA Loan”

Luckily, we have an Uncle Sam willing to co-sign on such a big purchase, or what’s called a Purchase Loan. You’ll be able to get better interest rates than your credit alone could get you, and you can skip the down payment.

Bonus: Uncle Sam will also insure the transaction, allowing you to skip Private Mortgage Insurance.

The Devil’s Details

Just because you can get a loan for down, doesn’t mean you should. Regular people are expected to drop at least 20% value of the house as a down payment.

Here are three different scenarios. Same house, same interest rate, same 30-year loan.

Time to slay the myth around the magical unicorn called the “VA Loan”
Time to slay the myth around the magical unicorn called the “VA Loan”
Time to slay the myth around the magical unicorn called the “VA Loan”

The less you pay upfront, the more you have to pay in compounded interest for the next 30 years. 30 years. That’s your entire military career plus half your next career!

Being able to do less of a down payment is useful in a few scenarios. For example, if you live in California, chances are you won’t ever have 0K cash for a 20% down payment on the crazy prices out here.

A few resources to see how much you can afford while buying a house: RedFin has a quick calculator (above) as well as a more in-depth option. USAA also has one with different loans they offer.

Warning: Anything offered by Uncle Sam comes with a catch

According to the VA website, “VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE).”
Time to slay the myth around the magical unicorn called the “VA Loan”

A few takeaways:

  • VA Loans are only for houses you will live in, NOT commercial or investment properties.
  • You have to live in the house for at least one year.
  • You can’t buy a multi-family or multi-unit property. No duplexes or apartment buildings (Trust me, I tried).
  • Banks set the terms of the loan (interest rate, payment schedule, etc.) based on your credit and current job, not the VA.
  • The VA might not approve you.
  • Requires at least 181 days active duty completed to be eligible.
  • Dishonorable discharge not eligible
  • Some dependents are eligible
  • Can be used to BUILD a house
  • Receiving a Certificate of Eligibility is required
  • There is a loan fee charged by the VA
  • Closing costs still have to be paid (typically 2-5% of the loan)
  • There is a limit on how much you can borrow without making a down payment based upon where in the country you live.

When good loans go bad

After nearly an hour and being transferred 7 times, I finally spoke to the most unenthusiastic Federal Employee in existence to answer my unanswerable question: “Are VA loans any different in foreclosure or the foreclosure process than a regular civilian mortgage?”

The answer: No, mostly.

The VA will not step in and save you, there are no cash handouts, and the VA will not shield you from the banks that are after their money. The VA will take care of a few fees dealing with the lenders, but that is about it. For more questions: 1-877-827-3702 or visit the payment problems page.

MIGHTY TRENDING

Iran tried and failed for the fourth time in a row to put a satellite into orbit

Iran’s latest attempt to put a satellite in space in spite of US opposition ended in failure, an Iranian defense ministry official told state media, Reuters reported Sunday.


“It was launched with success and … we have reached most our aims … but the ‘Zafar’ satellite did not reach orbit as planned,” the official told state television Sunday.

The latest failure marks the fourth time in a row Iran has been unable to successfully put a satellite in space.

In January 2019, the Iranian rocket carrying the satellite into space failed to reach the “necessary speed” during the third stage of flight, a senior telecommunications official told state media, the Associated Press reported at the time.

The US has criticized Iran’s efforts, arguing that its satellite program is a cover for the development of long-range ballistic missile technology.

President Donald Trump has said that Iran’s space program could help it “pursue intercontinental ballistic missile capability.” Iran argues that the Simorgh rocket is nothing more than a satellite launch vehicle.

In February of last year, Iran made another attempt. Iran’s foreign minister revealed in an interview with NBC News that it failed as well. He added that his country was looking into the possibility of sabotage after a New York Times report suggested the US could be behind the failures.

Iran tried again in August, but the rocket apparently exploded on the launchpad.

In denying US culpability, Trump inexplicably tweeted out an image of the scorched Iranian launchpad from a classified briefing, a photo that appeared to have come from one of the US’ most secretive spy satellites.

After the second failed test, Dave Schmerler, a senior research associate at the Middlebury Institute of International Studies, told NPR that this is a “trial and error” situation, explaining that “eventually they’re going to get it right.”

Iran managed to put a satellite into orbit in 2009, 2011, and 2012, but lately their efforts have been unsuccessful.

This article originally appeared on Business Insider. Follow @BusinessInsider on Twitter.

MIGHTY CULTURE

Decorated Marine and purple heart recipient begins new battle

Justin Constantine knows all about being challenged. In 2006, he survived an almost fatal gunshot to the head by a sniper in Iraq. It didn’t stop him. Instead, this now retired, Purple Heart recipient and decorated Marine fought through endless surgeries and therapy to become a successful entrepreneur and renowned motivational speaker.

President George W. Bush painted Constantine for his book, “Portraits of Courage,” and Constantine has received multiple awards for his work with veterans and advocacy efforts for those with disabilities. Constantine even gave a TEDx talk on being strong, which has transformed countless lives. Just as COVID-19 started igniting fear and anxiety throughout the world, he received a phone call from a doctor that would challenge his own strength.


Stage 4 cancer.

Time to slay the myth around the magical unicorn called the “VA Loan”

Constantine was told it was very severe and had spread from his prostate to his bones. Rather than let the currently incurable diagnosis stop him, Constantine is using it to motivate him to become an even better version of himself.

Constantine overhauled his diet completely, cutting out anything that could be harmful or “feed” his cancer. He exercises every day and implemented daily meditation into his routine. He shared that he’s lost 35 pounds since his diagnosis and is the healthiest he’s ever been. “I focus on why today was a good day and why tomorrow will be great too. I look at how I can infuse positivity in my life. It doesn’t mean unicorns and rainbows all the time, it means I make my glass half full,” Constantine shared.

Receiving his diagnosis during a world pandemic has been difficult, but Constantine has decided to continue to utilize his own past and current challenges to help motivate and encourage others. “I’m not saying it’s easy because you have to look at what your challenge is and choose to push past it. It takes effort,” he explained.

Time to slay the myth around the magical unicorn called the “VA Loan”

Constantine emboldens people to examine their lives and determine how they can have more purpose and happiness. “COVID is going to cast a long shadow over our lives. Things are a lot more complicated than they were a few months ago but with that comes time to think about what’s really important,” he shared.

Reports of increased suicide among veterans during COVID-19 has been present in the media, something that weighs heavily on Constantine. Despite dealing with his own significant medical challenges, he still remains focused on supporting veterans and encouraging them to seek support. “That’s so sad that someone has something that they are going through right now and it means life isn’t worth living. If they could step up and look down, they may see how many people care about them and want them to be here,” he said.

Constantine referenced his own experience of healing from his gunshot wound and then developing post-traumatic stress disorder. He sought counseling without hesitation for his PTSD, despite working for the FBI. He was very open about receiving services and it didn’t impede his continuing career. “I saw my counselor for 18 months for an hour each week. You could tell the difference in me if I missed a session. I encourage veterans to get the help they need and deserve for themselves and for their families,” he said.

Time to slay the myth around the magical unicorn called the “VA Loan”

Constantine often credits his wife, Dahlia, with being his rock. He shared that he knows how lucky he is to have her as his constant support and partner through life, especially since many people may not have that kind of presence in their own lives. To that he encourages all people and especially veterans who may be struggling to know they aren’t alone. “Together we are stronger; help is just a phone call away. There is always someone waiting to support you,” he said.

Throughout the past five months of the pandemic, Constantine has been consistently recording public motivational videos on his social media. He’s also been reaching out to veterans he identifies that may need support and doing his best to be an encouraging voice for them.

All while facing his own deeply personal challenge.

The effort Constantine exhibits may be born from his own experiences of recovering from his gunshot wound. When asked if he thinks surviving his near fatal wound made him more prepared to receive his current diagnosis, Constantine said yes. He explained that the experience definitely contributed to his commitment to overcoming cancer. “I think it was poignant. I feel that knowing that I overcame such a significant challenge before, makes me very confident that this too shall pass and I will push past this too,” he said.

Although Constantine may be facing the fight of his life, he continues to make the active choice not to fall into despair or spend his days thinking about his diagnosis. Instead, he’s doing what he’s always done: motivating others and living with purpose.


MIGHTY CULTURE

How to use bow-drill to start a lifesaving fire


There have been plenty of stories where people get stranded in the middle of nowhere and go to insane lengths to survive. Since the majority of the population doesn’t prepare for getting get stuck out in the elements, they typically don’t find themselves with extensive survival kits.

If you find yourself marooned in an area that doesn’t get good cell-phone service and you’re unable to contact a lifeline, things can start getting a little stressful. Luckily, most people can find the right material in their surroundings to at least start a fire, but may not know how to go about creating the one.

Well, we’re to teach you how to create the spark you’ll need without burning through tons of energy to achieve that warm fire. Introducing the bow-drill.


First, you need to gather a few things.

A small piece of flat wood that can fit inside the palm of your hand (the socket), a longer but thin piece of wood (the fire board), a wooden peg (spindle), a curved piece of wood, and a cord make up the bow-drill.

Time to slay the myth around the magical unicorn called the “VA Loan”
All the natural lifesaving materials you’ll need.
Ultimate Survival Tips/ YouTube

Fasten the ends of the cord to the tips of the curved piece of wood, then single-wrap the cord around the spindle. Place the tip of the spindle onto the fire board and start moving the bow-drill in a sawing motion while continuing to secure the spindle in your hand with the socket.

Time to slay the myth around the magical unicorn called the “VA Loan”
The full-bow drill configuration.

Note: all these materials need to be as dry as possible.

After easily rotating the spindle with the bow-drill, the wooden peg will create a noticeable notch in the fire board. Shortly after, friction will cause smoke to build. Once the smoke starts to billow, add some very dry tinder into the mix as well as plenty of oxygen. Once the tinder ignites, lightly blow on the flame and feed it with the additional dry brush.

Quickly feed the fire with more dry wood and secure the burning area with rocks to prepared unwanted spreading. The fire can also be seen from far away, so that will only aid in your rescue.

[rebelmouse-proxy-image https://media.rbl.ms/image?u=%2Fl3JDnePt8MlFnFApq.gif&ho=https%3A%2F%2Fi.giphy.com&s=153&h=fe25099dd419537f5fd68cc45d4f39b6a375467e677bd4902df691164596ce15&size=980x&c=131676986 image-library=”0″ pin_description=”” caption=”Fire!” crop_info=”%7B%22image%22%3A%20%22https%3A//media.rbl.ms/image%3Fu%3D%252Fl3JDnePt8MlFnFApq.gif%26ho%3Dhttps%253A%252F%252Fi.giphy.com%26s%3D153%26h%3Dfe25099dd419537f5fd68cc45d4f39b6a375467e677bd4902df691164596ce15%26size%3D980x%26c%3D131676986%22%7D” expand=1 photo_credit=””]

Congratulations! Since you made a legit fire, you just might survive through a night in the wilderness.

MIGHTY TACTICAL

Apparently it would take 1,000 rockets 20 years to set up city on Mars

Elon Musk has made another grand claim about his plans to colonize the red planet with his space exploration company SpaceX.

Speaking at the US Air Force Space Pitch Day on Nov. 5, 2019, Musk estimated that Starship, SpaceX’s 100-passenger reusable rocket design, will cost $2 million to launch.

In a series of follow up tweets, Musk threw out a few more figures about how many rockets will have to bring the necessary amount of cargo to properly set up base on Mars.


“A thousand ships will be needed to create a sustainable Mars city… As the planets align only once every two years,” he said. This led him to conclude it would take 20 years to transport one million tons of cargo which would “hopefully” allow for building a self-sustaining Mars base.

By Musk’s mathematics, that would mean a total billion spent on launching the rockets — although over 20 years the cost could fluctuate.

Musk has a history of making alarming predictions about his plans to colonize Mars. Notably he has espoused the idea of targeting nuclear weapons to detonate just above the planet’s ice caps, thereby causing the frozen water to evaporate releasing CO2 into the air and warming the planet’s surface — rendering it more habitable for humans.

The theory has little scientific grounding however. A study published in Nature found there is unlikely to be enough CO2 in Mars’ icecaps to engineer the desired greenhouse effect and, even if there were, Mars’ atmosphere is constantly leaking into deep space so the gas would gradually disappear.

This article originally appeared on Business Insider. Follow @BusinessInsider on Twitter.

MIGHTY TACTICAL

Legendary Russian arms maker unveils new combat rifle

The Russian maker of the AK-47 unveiled a new rifle on Aug. 20, 2018, called the AK-308, which it is expected to demonstrate at the Army-2018 Forum on Aug. 21, 2018.

“The weapon is based on the AK103 submachine gun for the cartridge 7.62×51 mm with elements and components of the AK-12 automatic machine,” Kalashnikov Concern said in a press statement on Aug. 20, 2018.

“At the moment, preparations are under way for preliminary testing of weapons,” Kalashnikov added.


The AK-308 weighs about 9 1/2 pounds with an empty 20-round magazine, Kalashnikov said. The gun also has a dioptric sight and foldable stock.

At this point, it’s unclear whether the Russian military will field the new AK-308, but it certainly seems like a possibility.

In January 2018, the Russian military announced it would replace its standard issue AK-74M rifles with AK-12 and AK-15 rifles.

Time to slay the myth around the magical unicorn called the “VA Loan”

AK-15 rifle.

(Kalashnikov photo)

The AK-74M fires a 5.45×39 mm round, has a 30-round magazine, and weighs about 8.6 pounds when fully loaded.

On the other hand, the AK-12 shoots a 5.45×39 mm caliber round, and the AK-15 shoots a 7.62×39 mm round, according to Kalashnikov. Each of those two weapons with an empty 30-round magazine weigh about 7.7 pounds.

This article originally appeared on Business Insider. Follow @BusinessInsider on Twitter.

MIGHTY CULTURE

This country music star is excited to be playing for the military

Country music superstar Chris Young has released two platinum albums, been inducted into the Grand Ole Opry, and has nine number 1 hits. He’s on his Raised On Country Tour right now, and he took some time to talk about what it’s like to visit with Navy working dogs, to see so many vets and service members on his tour after his sister’s time in the Marines, and to have a tour sponsor in USAA that can help him get in touch with more military audiences.


Young picked the cities for the tour for the standard reasons, but he’s gotten to enjoy some little perks and experiences at military stops. Like when, two weeks ago, he got to hang out with dog handlers at Naval Base San Diego.

“There are so many markets where we’re going to go that are pretty large military markets as far as bases,” he said, “and, you know, we’re able to do the things like we did in San Diego on the naval base the other day.”

“We knew there were going to be a bunch of partnership opportunities like that [with USAA] and I just have a big love and respect for the military,” he said. “So anytime you get a tour sponsor where you know, everything already lines up on its own, it’s a pretty incredible thing.”

He isn’t new to the military experience, though. Young’s sister was a West Coast Marine who worked on helicopters. And she married another Marine. Seeing his sibling’s sacrifices deepened his respect for the military.

“I remember that I would see, first-hand, about the amount of time that people are going out. She and I have always been really, really, really close and so when you go months at a time, sometimes, without being able to see somebody because their travel versus what you’re doing to travel and anything else I think you understand it in a different way I guess.”

It’s his sister’s and his brother-in-law’s military service that he thinks of when he’s performing “The Dashboard,” a song about two brothers when one is sent to war and leaves his truck behind. For anyone who hasn’t heard it, we won’t give away the ending, but it’s not the ending made typical by “Riding with Private Malone.”

Young didn’t write “The Dashboard,” but he connected with it when he heard it.

Chris Young – Raised on Country (Official Video)

www.youtube.com

“That song, buddy of mine Monty Criswell wrote it, and I just thought it was so different from the way I had heard other songs written even along the same line, topically, just the way he handled that song and made it something really, really special and anytime that I’ve played I always use the chance to reference my sister because obviously, she’s a Marine so I get a chance to nod to her and my brother-in-law when I sing that song and I always make sure to say something about them.”

For Young, who has gotten a kick out of playing for troops since he was at bases like Fort Bliss before his first record contract, it’s nice to get back in front of them. But as his fame has grown and technology has advanced, he’s found better ways of recognizing vets and service members in huge venues.

A partner company makes these “armbands where we’ve been able to ask people prior to the show, we go, ‘Hey have you or has anyone in your family served?’ And then we can actually light up their armbands for a song and kind of call them out say thank you that way … which is pretty cool.”

For Young, that made USAA agreeing to come as tour sponsor perfect. He already loved the military and liked to take time during shows to raise them up, so having a sponsor whose customer base is almost exclusively military families let everything sync up.

“I’m already totally all in on and any chance that I get to say thank you in multiple different ways to military, that’s something that’s been important to me my entire career. [Partnering with USAA] is just going to be awesome. It’s just going to work so I think it’s one of things that just happened.”

And that partnership has already helped Chris Young take part in multiple events. He played a small concert for military and family members at the NFL Draft back in April and then got to visit the working dogs at San Diego this August. (If you watch the NFL Draft video, you might recognize WATM’s own Augie Dannehl who helped host.)

If you’re interested in seeing when Chris is coming to your town, check out his tour calendar here.

MIGHTY TRENDING

How Iran openly attacked Saudi Arabia and got away with it

On Sept. 14, 2019, a swarm of drones and cruise missiles struck the world’s largest oil processing facility inside the Kingdom of Saudi Arabia. There was little doubt in the Saudi’s minds as to who the culprit could be. Their American allies agreed: the attack came from the Islamic Republic of Iran, their neighbor across the Persian Gulf. But the attack on the Saudi Aramco facility was less about making the Saudis pay and more about making their American allies pay.


The regime in Tehran was still pissed about the United States leaving the 2015 nuclear deal.

Time to slay the myth around the magical unicorn called the “VA Loan”

According to Reuters reporters, the Iranian regime wanted to punish the Americans for leaving the deal and reimposing crippling sanctions on the Iranian economy. These sanctions have caused widespread hardship and unrest inside Iranian borders. Just four months prior, the head honchos of the Iranian Revolutionary Guard Corps met in Tehran to figure out a way to do just that. They even considered attacking American bases in the Middle East. Of course, they didn’t go that far, but they had to do something.

One senior official took the floor to tell the room, “It is time to take out our swords and teach them a lesson.”

The Supreme Leader of Iran, Ayatollah Ali Khamenei, approved the operation on the condition that the IRGC didn’t kill any civilians or Americans. With that nod from their leader, the Revolutionary Guards, experts in covert warfare and missile strikes, began planning.

Time to slay the myth around the magical unicorn called the “VA Loan”

Both the Saudi government and the Iranian government have refused to comment on the attack, with the exception of the Iranian Mission to the United Nations who vehemently denies any involvement, any planning, or any meeting taking place. American military and intelligence representatives also refused to comment. But the Houthis in Yemen, the Iranian-backed rebel group who has defied a Saudi-led invasion for years, claimed responsibility for the attacks. No one believed them because it was an attack intelligence agencies believed could only have come from Iran.

If it was supposed to be an attack on the Kingdom itself, it was a success. The September attack was just in time to disrupt projections for state-owned Aramco’s coming IPO on the New York Stock Exchange. If the Iranians wanted the United States to stick up for its Middle Eastern ally, however, the timing was terrible. After the murder of Jamal Khashoggi in Istanbul, and the years of destruction causing a humanitarian crisis in Yemen, no one in Washington was quick to stick up for Riyadh.

Time to slay the myth around the magical unicorn called the “VA Loan”

For 17 minutes, swarms of drones and low-flying missiles hit the Khurais oil installation and the Abqaiq oil processing facility, cutting the Kingdom’s oil production by half and knocking out five percent of the world’s oil. Oil prices soared by 20 percent as Secretary of State Mike Pompeo hit Iran with another round of sanctions. Everyone pointed fingers at everyone else, but the blame ultimately ended up in Iran’s lap, despite its refusals. Iran remained steadfast and despite increased sanctions and threats against further violence, largely got away with it.

Iran believed President Trump would not risk an all-out war to protect Saudi oil companies, Reuters quoted Ali Vaez, director of the Iran Project at the International Crisis Group as saying. “Hard-liners [in Iran] have come to believe that Trump is a Twitter tiger,” Vaez said. “As such there is little diplomatic or military cost associated with pushing back.”

The insiders believe Iran is already planning its next attack.

popular

Researchers will tackle the most widespread disability in the military

Military service often requires duty in noisy environments that can cause hearing loss and it doesn’t just happen during combat operations at deployed locations far from home station.

From flight line operations to firearms qualification ranges, aircraft maintenance back shops, vehicle repair shops, civil engineering shops, or even Air Force Research laboratories where innovative and agile technologies are born, noise brings the potential of hearing loss if proper personal protective hearing equipment is not available or utilized.


“In fact, Veterans Administration records show that auditory conditions such as hearing loss and tinnitus are the number one and number two most prevalent disability claim in the VA,” said Dr. Tanisha Hammill, research coordination branch lead at the Department of Defense Hearing Center of Excellence in San Antonio. “In terms of number of claims, this is the most prevalent injury among our veterans, so there is an obvious need to focus on reducing those injuries among our service members,” she said.

In 2009, the Congressionally-mandated HCE was stood up to combat hearing and balance disorders. As part of the HCE, the Collaborative Auditory & Vestibular Research Network, or CAVRN was formed to bring together researchers with an auditory research focus to discuss current research efforts across the DoD and VA enterprises, providing unique opportunities for collaboration, Hammill said.

Annual CAVRN meetings are held at federal facilities and are hosted by member organizations, and in 2018, the annual meeting was held April 24-26 and was hosted by the 711th Human Performance Wing’s Airman Systems Directorate, Warfighter Interface Division, Battlespace Acoustics Branch; the United States Air Force School of Aerospace Medicine, and the Naval Medical Research Unit – Dayton.

Air Force Brig. Gen. Mark Koeniger, 711th HPW commander, welcomed the CAVRN meeting attendees and cited numerous opportunities for collaboration with the 711 HPW.

Time to slay the myth around the magical unicorn called the “VA Loan”
Approximately 100 members of the Collaborative Auditory Vestibular Research Network, or CAVRN, met at the 711th Human Performance Wing to collaborate on areas of hearing and balance issues that service members and veterans face as a result of their military service.

(U.S. Air Force photo by Richard Eldridge)

“As you go forward, the Human Performance Wing wants to be part of what you all do to help Soldiers, Sailors, Airmen, and Marines maintain their hearing so that hopefully in the future, hearing loss ceases to be the number one disability.

“The Air Force Chief of Staff’s focus areas converge on a singular vision – to create healthy squadrons full of resilient and credible warfighters primed to excel in multi-domain warfare,” he told them. “Certainly, nobody can do their job, or at least they would have a very difficult time doing their job if they couldn’t hear well.”

Hearing is a critical sense and is required for all service members to effectively communicate within dynamic and often chaotic environments.

“The ability to hear and communicate is critical to the safety of each warrior and their unit, and is central to command and control, and mission accomplishment,” Hammill said.

The CAVRN aims to foster knowledge sharing and facilitate greater communication, coordination, awareness, and transparency between community members.

“The CAVRN promotes collaboration, translation, and best practices that influence auditory-vestibular readiness, care, and quality of life for warfighters and veterans,” added Hammill.

Hammill stated that as she toured the 711 HPW, she thought about all the tremendous crossover opportunities between auditory research and so many other disciplines within human performance. “We are a very interdisciplinary team and that’s a big part of our growth – to discover and reach out to these other teams who are somehow focused on auditory or balance disorders,” she said.

“When you bring these folks together, they end up having very meaningful conversations, they are able to incorporate perspectives of their colleagues, who are subject matter experts across the DoD and VA and incorporate their perspectives and really make smarter projects and make more multiservice projects.”

Hammill explained that the CAVRN is built on a translational model, including bench scientists, clinician scientists, funding program managers, and public health experts, adding, “The whole scope from idea to application to practice, all in the same room so they can plan everything out together right up front.”

“This is a complex issue. Losing your hearing is not a part of doing business in military service and there are a lot of smart people working diligently to come up with better solutions to protect their hearing, both from a personal protective equipment stance, but also efforts in noise reductions and efforts in communication enhancement while making sure they’re able to do their job and have a reasonable quality of life after service,” Hammill said.

This article originally appeared on Health.mil. Follow @MilitaryHealth on Twitter.

Lists

5 ways for spouses to survive a duty station they hate

As your time is nearing an end at your current duty station and your rotation date is approaching, you are probably getting extremely anxious waiting to hear where your next assignment might be.

You want to prepare, maybe even start packing, but you don’t even know what to save for immediate use at your next duty station or what to let the movers pack.


Friends and family ask you every day if you know where you are going.

How do you answer their questions when you, yourself, have a million questions running through your mind?

“Will it be hot or cold where I’m going next?”

“What will the housing be like? Is there space on base or will I be looking for a home in town?”

“How am I supposed to enroll my kid in school if I don’t even know where I’m going?”

“We are supposed to have our PCS Move in a couple of months and have not heard anything. We are still PCSing, RIGHT?!”

Your neighbors and peers are getting assignments left and right. Every time you hear of a new assignment drop, you can’t help but judge their next base.Regardless if it’s a dream location or one that you would like to avoid, there is a sense of jealousy for the fact that they at least KNOW where they’re going.

That’s when it happens. You get the phone call, email, tap on the shoulder, whatever it is, that you have been (im)patiently waiting for.

“Congratulations! Your next assignment is ___________.” Is this a joke? There’s actually a military installation there?

I’ve only ever heard it referred to as the location that you spend your whole career trying to avoid. I’ve heard others even console themselves after receiving a less-than-ideal assignment by saying, “well at least it’s not ___________.”

What do you do in this situation?

I’ll tell you what you do.

You hold your head high and hope for the best. Chances are, you only have a split second to figure out your emotions before people start looking for your reaction.

And guess what? Your reaction to this news is what sets the stage for the rest of your move.

So how do you stay positive when you’ve only ever heard negative things about this duty station?

1. Forget Your Past Wants

Time to slay the myth around the magical unicorn called the “VA Loan”

Everyone puts together a “dream sheet” of assignments, whether actually written down on paper or just in your head. You imagine all of the amazing places the military could send you.

It’s time to let go of all of that.

Your past wishes and desires for assignments don’t matter anymore (at least not right now). Turn your new assignment into your first choice and make yourself believe that it’s what you have wanted all along.

Our very first assignment drop was a public event. My husband stood in front of a room full of people as he was told where he would be going next, while I sat in the audience.

We were waiting to hear whether we would be living on the East Coast or West Coast. When my husband was told that we would be moving across the globe to a remote island, my world was rocked.

Everyone around me immediately turned to see my reaction, mouths wide open. Someone asked, “Is that what you wanted?” I was numb and don’t even know how I managed to get any words out, but I responded, “It is now.”

I have tried my best to keep this mentality EVERY time we move. I try to get excited for any assignment and research everything I can about our new “home.” It’s not always easy, especially when you are leaving a fantastic place for the unknown, but it sure makes moving a lot easier when you’re looking forward to the place you’re going.

2. Go Straight to the Source

Time to slay the myth around the magical unicorn called the “VA Loan”

Most of what you have probably heard about this new location is hearsay. You’re likely hearing rumors from people that have NEVER been there before. Before you get all riled up, try speaking to people that have been there recently, or better yet, are currently there.

One of the best resources I have found for gathering intel on a new duty station has been social media. Simply type your new duty station into the search bar of Facebook and you will probably find a number of informational pages.

Join the local classifieds pages, spouse pages and activity pages. Here you will be able to ask any questions you might have and receive up-to-date answers.

3. Debunk the Rumors

Time to slay the myth around the magical unicorn called the “VA Loan”

Each duty station has a number of rumors associated with it, whether good or bad. Try to figure out why your new assignment has a bad rap and focus on the positives. Here is an example for our current assignment:

“There is nothing to do.”

“Think about all of the family time we will have. We can go camping, hiking, horseback riding, check out local farms and attend rodeos.”

There will always be something to do and places to explore, but you have to actively search for them.

“It’s in the middle of nowhere.”

“We can do road trips on the weekend and see parts of the country we’ve never seen before.”

Attempt to find the silver lining to each of the negative statements. Maybe even make it a challenge to dispel each of the rumors during your time at your new location.

4. It’s Only Temporary

Time to slay the myth around the magical unicorn called the “VA Loan”

Do you remember how quickly your last assignment flew by?

Be prepared for that to happen again.

Three years (plus or minus) is not a lot of time in the grand scheme of things. Make the most of your assignment and get to know a new part of the country (or world!) in the short time that you are there.Make a point to visit that local landmark, attend the parade downtown, see the state park and just go for a drive.

Immerse yourself in the local culture and get to know your new home. If you’re not careful, it might be time to move again before you even got to know this new town.

5. Remember that Attitude Is a Choice

Time to slay the myth around the magical unicorn called the “VA Loan”

You, and only you, can decide how you feel about something. You can make the choice to be excited about a new assignment, or you can choose to dread every minute of it.

Don’t be tempted by those around you trying to bring you down.

When you tell people where you are going next, you might hear, “I’m sorry” or, “Maybe you’ll get a good assignment next time.”

They might be trying to be sympathetic, but in a sense they are peer pressuring you into feeling lousy about your assignment.

You still have a choice. You can still choose to look forward to your move. You can still choose to stay positive.

Finally, appreciate the fact that you have been given the opportunity to experience a place that you most likely would not have lived had it not been for the military.

I am often told by civilians that I am “so lucky” to move every three years and travel the world. Even though PCSing most definitely has its ups and its downs, I do try to remind myself that we REALLY ARE lucky.

I have made friends all over the world.

Ihave artifacts from each of our assignments proudly displayed in our home.

I have lived in the Deep South, the West Coast, a foreign country and the Great Plains.

I have a greater understanding and appreciation for new people that I meet.

The military has provided me with wonderful opportunities to try new places and has really shaped me as a person. I am more resilient, more patient and more curious than before.I have to remember that each assignment, no matter where it is, is simply adding to my life experience.

This article originally appeared on Military Spouse. Follow @MilSpouseMag on Twitter.

MIGHTY MONEY

Finance Friday: How to benefit from historically low mortgage rates

You might be living under a rock if you haven’t heard about the 10 Year treasury at an all-time low and the federal reserve cutting interest rates. Or, far more likely, you’re just not a numbers and data nerd like me with a vested interest in all things finance. Luckily, if you’re a prospect or existing homeowner, one thing is certain, and that’s a win for you in this economic time. Breaking this further down into how it applies to your earned VA Home Loan benefit, there are two subsections that need to be explored: purchase and refinances.


Time to slay the myth around the magical unicorn called the “VA Loan”

live.staticflickr.com

New home purchases

What these amazing low rates mean for you is more purchasing power. For example, a 0,000 30-year home loan at 4.5% is a whopping 1 MORE every single month than it would be at 3.5% (,000 over the full lifespan of the loan). An alternate way to look at this is that you can purchase a 0,000 at the 3.5% rate for the same monthly cost as a 0,000 loan at 4.5%. That’s an increase in ,000 upfront purchasing power for the SAME MONTHLY COST. If that doesn’t scream raining money to you, I don’t know what can.

Refinances

If you already have a VA home loan and just had some sort of feelings about missing out on this amazing opportunity, the good news is you can still capitalize on this opportunity through a VA Interest Rate Reduction Refinance Loan (IRRRL, also known as a streamline refi). Just like anything else, there are myths floating around out there, and you know I’m going to break through them.

You do not have to be currently living in the home you wish to refinance. If you have a home that was once your primary residence, which is the only kind of loan the VA writes, then you qualify for a VA IRRRL (but NOT a cash out refi and NOT switching from conventional to VA when it’s not owner-occupied). It really is that simple. Easy peasy!

If you’re looking at a transition but living in the home right now, you are NOT obligated to extend your plans to live in the home for any certain period of time. Just like any VA loan, there are absolutely no minimum residency requirements.

Time to slay the myth around the magical unicorn called the “VA Loan”

live.staticflickr.com

A refinance is exponentially easier than a purchase transaction. No appraisal or inspection is required for a streamline refi. You DO need to be able to prove an ability to repay, so employment verification is required. Lower documentation requirements all around make for an easier process, however. Bank statements, pay stubs, proof of homeowners insurance and a current mortgage statement are what you can expect your lender to ask for.

Expectation management is important. Expect a slower closing turn time than your traditional 30-day purchase loans. It is not a sign of incompetence on the lender’s behalf, it is simply a prioritization. When compared to a purchase contract that is tied to multiple parties for timelines to move, the urgency for a refi comes secondary. No one’s earnest money deposit and moving schedule is driving the need, and there is a lot more skin in the game on a purchase deal. Expect to see a 45-day rate lock on your refi and know that it’s nothing personal.

MIGHTY TRENDING

Turkey has to make its biggest decision since joining NATO

Turkey has always been at the intersection of two different worlds, bridging the gap where Europe meets Asia, where East meets West, and where many cultures historically clashed. During the Cold War, it was in Muslim Turkey’s interest to become a NATO ally. It had remained firmly in the NATO sphere until recently. Now the U.S. is giving the Turkish government an ultimatum.


Time to slay the myth around the magical unicorn called the “VA Loan”

Guess why.

Within the next two weeks the Turkish government has to decide whether it will maintain its complete alliance with NATO partners and go all-in with the F-35 or risk a severe penalty and buy Russia’s S-400 missile system. The Turkish government has already inked a deal to buy Russia’s missile defense system, which would remove them from eligibility to buy the 100 F-35 Joint Strike Fighters it was promised – while facing the possibility of U.S. sanctions and other NATO fallout.

The U.S. Department of State gave Turkey until the first week of June to make the call.

Time to slay the myth around the magical unicorn called the “VA Loan”

Russia’s S-400 missile defense system.

Russia called Washington’s warning an “ultimatum,” and condemned the threat of sanctions as an attempt to strong-arm Ankara into buying Raytheon’s Patriot batteries and Lockheed’s Joint Strike Fighter. Turkey agreed to pay .5 billion for the S-400 system, one of the most advanced defense systems in the world. Turkey is also one of the manufacturing partners for the world’s most advanced fighter. But Turkey is already building the infrastructure for the S-400.

No one has stated exactly what the economic and military consequences for Turkey will be if they fail to reject the S-400.

Articles

This is a perfect example of how ridiculous boot camp is

Drill sergeants say the funniest things.

“Now I don’t want anybody messin’ around. I don’t want you playin’ any grab ass.”

Grab ass? Who’s playing grab ass at boot camp? The whole idea of it is hilarious.

It’s a trap, though! Do not laugh. DO NOT LAUGH.

Time to slay the myth around the magical unicorn called the “VA Loan”
Yeah, you’re screwed, little buddy. (Go90 No Sh*t There I Was screenshot)

In the first episode of We Are The Mighty’s “No Sh*t There I Was” for go90, Armin Babasoloukian, a veteran of the 82nd Airborne, shares his first day as a wide-eyed recruit in the middle of hot and sweaty Oklahoma.

Babasoloukian — aka “Babalou” — tells a story that illustrates how easy it is for trainees to fall into traps set by their drill sergeants…or just actually fall…even when they’re told specifically not to fall (common sense would suggest that you wouldn’t have to tell someone that but…boots amirite?)

A genius moment is when one of the enlistees doesn’t know the difference between an Armenian and a Kardashian.

Maybe genius isn’t the right word?

But hey, when it comes down to it, all military personnel are well aware that our great nation faces threats of all shapes and sizes, whether it’s ISIS, al Qaeda, or Kardashian.

So check out the video and let all those boot camp memories come rolling back.

Watch more No Sh*t There I Was:

Why it sucks to report to the ‘Good Idea Fairy’

A Ranger describes what being a ‘towed jumper’ is actually like

That time Linda Hamilton asked a Marine to the ball

This is a perfect example of how ridiculous boot camp is

Do Not Sell My Personal Information