For many, the opportunity to pursue education and training beyond high school is not easily within reach. When military members are asked why they serve, the available GI Bill® education benefits are often one reason why.
As a part of their earned benefits, active duty men and women can also transfer all or part of their Post-9/11 GI Bill benefits to their spouse and/or dependent children. This is called Transfer of Entitlement (TOE). Those wishing to transfer entitlement to a dependent must be sure to do this while still on active duty.
The option to transfer education assistance to dependent family members provides them with the financial means to pay for their education and training. However, until recently, this benefit was not available to all dependent children. With the recent passing of the Johnny Isakson and David P. Roe Veterans Health Care and Benefits Improvement Act of 2020, commonly referred to as Isakson and Roe, beginning January 6, 2021, service members can transfer all or part of their Post-9/11 GI Bill entitlement to their ward or foster child. This new law changes how VA administers education benefits, and more importantly, is a major step in recognizing the diversity of the Nation’s military families and their unique needs.
According to the Department of Defense, more than five million people are part of today’s military family. The men and women who serve in our Nation’s armed forces are a diverse group. So, too, are their families, to include spouses, children and other family members who represent varying demographics, experiences and needs. With the implementation of Isakson and Roe, VA is able to address the needs of more families and ensure that the GI Bill’s purpose is further realized.
Now, even more military dependents can receive help paying for tuition, books and housing using Post-9/11 GI Bill education benefits. Eligible dependents, who are pursuing a degree or certification in a STEM (Science, Technology, Engineering and Math) field, can maximize their benefits through the Edith Nourse Rogers STEM Scholarship. To help pay for higher out-of-state, private or graduate tuition that the Post-9/11 GI Bill doesn’t cover, the Yellow Ribbon Program provides additional assistance. In addition to education and training, GI Bill benefits can provide other assistance to eligible students, such as help with paying for certain test fees and help with deciding on the right school or program, using the GI Bill Comparison Tool.
The spring months provide the Nation with an opportunity to celebrate those who serve and their families. As we celebrate service members and their families during Month of the Military Child in April and Military Appreciation Month in May, this is also an opportunity to celebrate the uniqueness of military families. In continued celebration of our Nation’s military families, VA will continue to do its part to acknowledge the differences that make them unique, while ensuring that their unique needs are also met.
On August 23, 1977, Sergeant Shirley was performing his military duties as instructed and required when the unthinkable happened. An explosive device detonated prematurely, blowing up in his hands. Jensen was severely injured, losing both forearms, a lung, vision in one eye, and multiple other internal and external injuries. He was 21 years old.
When he awoke after the injury, only one thing was on his mind. Service.
For as long as he can remember, Jensen Shirley has understood the importance of serving. The son of a military veteran and nephew to five other WWII service members, Jensen had the future mapped out in his eyes before the tassel on his high school graduation cap was moved from right to left. He was joining the Army.
The year was 1973 and the United States was still two years out from ending its long and bitter war with Vietnam.
“When I was in high school,” Jensen said, “I told my father I was joining the military and he said, ‘By the time you graduate, you’ll still end up going to Vietnam.’ And he asked me what I thought about that. I told him, ‘No one wants to go, but you all served and sacrificed, and now is our time to serve and sacrifice.’”
“It’s not a question of being right or wrong on the war question, or whether we should or shouldn’t have been there — we were already there. We were asked to serve, we were asked to go, and that was it.”
For Jensen, service was in his blood.
After Basic Training and Advanced Infantry Training (AIT), Jensen attended the Jungle Operations Training Center and successfully passed jungle school, a highly specialized, rigorous, infantry survival course. Jensen was operationally deployed to Panama where he continued his journey as an infantryman and soldier.
When his overseas deployment was complete, Sergeant Shirley was assigned to Ft. Jackson, SC as a Combat Weapons Instructor on Bastogne Range.
Here, service and sacrifice would take on new meaning for the young soldier. His catastrophic injury would change the course of his life forever.
For Jensen, it wasn’t enough that he had survived an injury many others had not. Jensen had to find a way to heal, to rehabilitate, and to get back to work. He was Sergeant Jensen Shirley.
This was his calling, his life’s work…the future had been mapped out in his mind since the day he graduated from high school. Only, what was that future now?
“I couldn’t even sign the form I didn’t want to be signing.”
Here is a soldier with a deep-rooted commitment to serve who has suffered an unimaginable loss – of his hands and of his physical body, yes – but also of his sense of self. And he stands in front of the Physical Evaluation Board, forever changed, yet pleading for a chance to stay in the military. There’s just nothing they can do; his injuries are too severe. His military career was over.
But Sergeant Shirley – Jensen – did not allow his journey to end in that boardroom. You know by now that he doesn’t back down easily.
So, if a military career was truly out of the question, Jensen was looking at the next best thing: serving veterans as a clinical counselor. Jensen was going to college.
There was just one small problem. With no hands and no full-time support, how was he supposed to write a paper or complete an exam? Remember, this is the 1970s. There were no resources, no systems, and no processes to help him navigate through this new journey. The Americans with Disabilities Act (ADA) wasn’t even signed into law until almost 15 years later, and that left Jensen alone to figure out his own path forward.
Enter Carol Keller.
Carol Keller helped Jensen transition into his new life, one that he never anticipated would be his, but one that he would make extraordinary.
“Because of her help in getting over that first hurdle, I started believing that I could do it. If somebody could just help me, if they could just open the door and let me in, I would do the rest,” he said.
So, just as he set out to do, Jensen graduated from American University. Then he graduated with a master’s degree from The George Washington University. Then he earned a second master’s from the University of San Francisco, a doctorate of education from the University of San Diego, and a CACREP-accreditation from Walden University. Not bad for someone with injuries deemed “too severe.”
From Sergeant Shirley…
…To Dr. Jensen Shirley.
Thanks to some mutual friends, Jensen was eventually connected with William Rider. Bill served in Vietnam, experiencing unimaginable trauma. He later formed an organization called American Combat Veterans of War, or ACVOW, to help veterans suffering from post-traumatic stress, sexual assault, or those serving jail time.
The two were fast friends. Jensen and Bill spend time each week at the North County Vista jail, providing support and counseling to incarcerated veterans. After one such training session, Bill asked Jensen if he had ever heard of Chive Charities.
“Bill smiled, knowing that I had a heart for serving veterans and volunteering my time, talent and service to giving back,” Jensen told us. “And Bill said, ‘I want to talk with you not just about an organization, but about people like yourself who want to make a difference.’”
Making a difference in the lives of others is what it’s all about. And now, the one who always gives is finally receiving. Chive Charities was proud to serve Dr. Shirley in his time of need.
His request of Chive Charities was simple: he needed new kitchen appliances that he could operate with his prosthetics and a 4×4 golf cart with enough power to get to the end of his long and sloped driveway and back up again.
Thanks to Chive Charities and their community of committed donors, they were able to fund a grant for Jensen with an impact of $17,691.
Chive Charities asked Jensen what this support means to him, and as always, his words are powerful. We’ll let him take it from here:
“The Chive Charities’ grant has impacted me in a way that is so humbling. First, it lets me know I am not alone. Although many years have passed since my incident, I am still pressing on serving others, one person at a time.”
“Second, life is not about what or why things happen to you; life is about what you do for others when things like this happen. My call has been to serve God, country and others. Now, my call is to serve until the service is done. Thank you, Chive Charities, from the bottom of my heart.”
Serve until the service is done. For rare medical, first responders, or veterans like Jensen, that’s a calling Chive Charities can get behind. Can you? DONATE HERE.
Chive Charities is committed to supporting the veteran community. Like We Are the Mighty, serving those who serve is core to who they are. If you or someone you know could benefit from one of Chive Charities’ life-changing grants, CLICK HERE to learn more + apply.
A private in the Army’s 34th Company of the Philippine Scouts, he became severely wounded while fighting off rebel forces in the Philippine Islands in 1911. With only one hand, he fought the enemy until they retreated, saving the many lives of those with whom he served.
Nísperos was the first Filipino to receive the Medal of Honor for his heroics in battle.
2. Telesforo Trinidad
In January 1915, a boiler exploded aboard the USS San Diego, violently knocking Trinidad backward and forcing him to abandon the ship. He gathered himself and returned to save two of his fellow men, despite suffering from his own burns.
The Navy awarded Trinidad the Medal of Honor and a $100 gratuity.
3. Kurt Chew-Een Lee
Lt. Lee was the first Asian-American Marine Officer in American military history and a freaking hero.
On the night of Nov. 2, 1950, Lee saved thousands of men during an attack while serving in the Korean War. He ventured out on a single man reconnaissance mission to locate the enemy and eventually confused them using a weapon none of his other Marines possessed — the ability to speak Mandarin.
It was a big weekend for the Arizona Cardinals. The team has been struggling this season and they were looking to roll into Green Bay and hand the vaunted Packers their first loss at home. It was a special game for a number of reasons, but for Larry Fitzgerald, it allowed him to participate in the NFL’s “My Cause, My Cleats” campaign.
The star wideout is one of the greatest players in the NFL today, and his cleats bore the name and likeness of one of the NFL’s legends – Pat Tillman.
NFL uniform wear is incredibly strict, and the league is known to hand down steep fines to players who step onto the field out of regs. But during the “My Cause, My Cleats” weekend, 800 select players get to sport customized cleats that raise awareness and funds for their personal causes, from fighting colon cancer to ending sex trafficking. Larry Fitzgerald wanted to honor the men and women who serve in the U.S. military.
As an Arizona Cardinal, that meant honoring the legacy of Pat Tillman.
Fitzgerald’s cleats were custom-made by Miami, Florida-based Marcus Rivero of Soles by Sir. He incorporated an image of Pat Tillman himself, as well as the name of former Arizona Senator, John McCain, who died earlier in 2018. The designer also added the name of Fitzgerald’s grandfather, who served in the Korean War.
Beyond simply making and wearing the custom cleats, the Cardinals wide receiver gave a special experience to two U.S. Army veterans and Pat Tillman scholars, Joseph Wheaton and Jameson Lopez. Wheaton is a native of northern Maine who joined the military after the attacks of September 11, 2001. Lopez is member of the Quechan Tribe from Arizona’s Colorado River Valley.
The Cardinals wide receiver gave the two scholars a tour of the Cardinals facility, a chance to meet the trainers and staff, and presented them each with a Pat Tillman Cardinals jersey.
Fitzgerald’s custom “My Cause, My Cleats” wear, honoring Pat Tillman, Arizona Sen. John McCain, and his own grandfather, a Korean War veteran.
The mission of the Tillman Foundation is to empower military veterans and military spouses to become the next generation of great American leaders. More than 580 Tillman Scholars around the country are tackling the widespread issues surrounding national security, healthcare, technology, civil rights, and education.
“I’ve always just had so much respect for everything the organization and foundation has done,” Fitzgerald said.
Fitzgerald and the Cardinals improved to 3-9 with a win over Green Bay at home as Fitzgerald caught three passes for 48 yards wearing his custom Pat Tillman-inspired cleats.
U.S. Navy Hospital corpsmen are part of a tradition that predates the American Navy itself. In the age of sail, corpsmen (then called loblolly boys) helped the ship’s surgeon stay on his feet with sand and kept the cauterizing irons hot. The role has evolved over the decades, and the name of the corpsman’s rating evolved along with it. The loblolly boy became the nurse, who became the bayman, who became the surgeon’s steward, then the apothecary, hospital apprentice, hospital steward, pharmacist’s mate, until after World War II, when the modern corpsman (as we know it) was born.
Update: This story was corrected to reflect that Byers was a Special Operations Combat Medic.
The corpsman is part medic, part nurse, part pharmacist, who serves in the Navy and on its ships, but also deploys with Marines. A corpsman’s importance in combat is unrivaled and requires the skill and courage of any grunt. 2,012 corpsmen were killed in action in the history of the U.S., with 42 of those lost in Iraq and Afghanistan. Their work earned the recognition of twenty ships named for them and more than 600 medals for valor, including twenty-two Medals of Honor. Here are the stories of twenty-two of the Navy’s bravest:
1. Hospital Apprentice Robert H. Stanley
Stanley volunteered to carry and deliver sensitive messages between the American and British forces while under heavy gunfire during the Boxer Rebellion in Beijing, China.
2. Hospital Apprentice First Class William Zuiderveld
Zuiderveld was known as “Doc” to his company of armed Navy sailors (nicknamed “Bluejackets”) during the seizure of Vera Cruz. During an ambush, one of the men was shot in the head and Zuiderveld answered the call for a “corpsman.” Rushing to their aid, he purposely exposed himself to enemy fire to reach his wounded comrades.
3. Hospital Apprentice Fred H. McGuire
During the Philippine Insurrection, McGuire began running low on ammunition, causing him fight off the fierce enemy forces with only his rifle’s butt stock until relief arrived. Finally free to treat the wounded, McGuire attended to several Americans who otherwise would have died.
4. Hospital Steward William S. Shacklette
After the deadly boiler explosion on the USS Bennington and suffering from 3rd-degree burns over much of his body, Shacklette risked his life to assist dozens of sailors off the ship and to safety.
5. Pharmacist’s Mate First Class John H. Balch
Fighting alongside his Marines from the 6th Regiment during the Battle of Belleau Wood, Balch exposed himself to high-explosive fire to secure the wounded. He worked tirelessly for his save his patience’s lives.
6 . Hospital Apprentice First Class David E. Hayden
Crossing into a hail of heavy machine-gun fire in an open field during the Battle of Saint-Mihiel, Hayden administered lifesaving treatment to a wounded Marine. Hayden was wounded but saved the Marine’s life by carrying the man to safety.
7. Hospital Apprentice First Class Robert Eugene Bush
Stationed with 2nd Battalion, 5th Marines in action against the Japanese on Okinawa, Bush took shrapnel from three enemy grenades. Despite the losing one eye, he was able to do his job and while tending to his wounded platoon commander. While holding the plasma bottle he was giving the Marine officer, he unloaded first his pistol and then the officer’s carbine into an oncoming wave of Japanese soldiers. The Japanese retreated and Bush ensured his wounded were evacuated before administering to his own wounds.
8. Pharmacist’s Mate 2nd Class William D. Halyburton
Serving in a rifle company with the 5th Marines on Okinawa, Halyburton noticed his company was suddenly pinned down. Moving forward towards the enemy, he reached a wounded Marine and unselfishly shielded the man using his body to shield incoming Japanese gunfire. He continued with his medical treatment until he collapsed from his wounds, sacrificing himself for the wounded Marine.
9. Hospital Apprentice First Class Fred F. Lester
Crawling towards a casualty under a barrage of hostile gunfire and bleeding badly from gunshot wounds, Lester successfully pulled a wounded Marine to safety and instructed two of his squad members how to treat the Marine. Realizing his own wounds were fatal, he instructed two others on how to treat their wounded comrades. Soon after, Lester succumbed to his injuries but saved dozens of lives during his tour.
10. Pharmacist’s Mate First Class Francis J. Pierce
Pierce earned his Medal of Honor at the Battle of Iwo Jima. With his rifle blasting, he courageously unveiled himself to draw off enemy attackers while he directed litter teams to carry off wounded Marines towards the medical aid station. He again drew fire while trying to treat a wounded troop and killed another Japanese soldier in the process. He ran across 200 meters of open ground to pick up a wounded Marine and carry him back across the same open 200 meters. Francis rendered the care of several severely wounded men while during the campaign.
11. Pharmacist’s Mate Second Class George E. Wahlen
Under the command of 2nd Battalion, 26th Marines at Iwo Jima, Wahlen was positioned adjacent to a platoon that had come under fire and began taking mass casualties. Dashing more than 600 yards to render medical care on fourteen Marines before returning to his platoon unharmed.
12. Pharmacist’s Mate Third Class Jack Williams
Under intense enemy fire, Williams dragged a wounded Marine on his hands and knees, using his body to shield the man as managed to apply battle dressings to the wounded. Shot in both the abdomen and groin, Williams was stunned, but unwilling to give up, recovered and completed to treat the wounded Marine before addressing his injuries.
13. Pharmacist’s Mate First Class John H. Willis
Injured by shrapnel and refusing to seek medical attention, Willis advanced up to the front lines under heavy mortar and sniper fire where he saved an injured Marine laying in a crater. Willis administered plasma to the patient as the Japanese intensified their attack throwing grenades. Willis returned the frags launching back towards the enemy. After surviving several attempts, one grenade exploded in his hand killing him instantly. The Marine survived.
14. Hospital Corpsman Third Class Edward C. Benfold
Benfold was killed in action in Korea while trying to help two Marines in a crater at the Battle of Bunker Hill. His company was battered by an enemy artillery barrage and the charged by a battalion-sized unit. Benfold ran from position to position to help his injured comrades. When he came upon the two Marines in a crater, he saw two grenades thrown in as two enemy soldiers rushed the position. Benfold picked up the grenades and charged at the two attackers, pushing the grenades into their chests. He was mortally wounded in the subsequent explosion.
15. Hospital Corpsman Third Class William R. Charette
While attending to a wounded man during the Korean War, an enemy grenade landed within a few feet of William, who immediately threw himself on the man, absorbing the blast with his body. Now experiencing extreme shock, he continued to administer medical care to his wounded brother before patching up himself.
16. Hospitalman Richard D. Dewert
As a fire team became pinned down by an overwhelming source of gunfire, Dewert darted into the fray on four different occasions. He carried out the wounded from the front lines even after suffering a gunshot wound to his shoulder. His courageous acts and refusal to quit allowed his brothers to survive their life-threatening injuries.
17. Hospitalman Francis C. Hammond
After sustaining a vicious attack from hostile mortars and artillery by enemy troops, Hammond maneuvered through rough terrain and curtains of gunfire, aiding his Marines along the way. He skillfully directed several medical evacuations for his casualties before a round mortar fire struck within mere feet of him.
18. Hospitalman John E. Kilmer
During the Korean War attack on Bunker Hill, Kilmer suffered from multiple fragment wounds but still traveled from one position to another, tending to the care of the injured. Although he was mortally wounded, he successfully spearheaded many medical evacuations. As mortar shells rained down around him, Kilmer rushed to a critically wounded Marine. Shielding the man from the incoming shrapnel, Kilmer was struck by enemy fire. He’s credited with saving many lives.
19. Hospital Corpsman Second Class Donald E. Ballard
Upon returning from rendering care on two heat casualties, his platoon came under a determined ambush from the North Vietnamese Army (NVA). Noticing an injured Marine, Ballard dashed to the man’s aid, treating his wounds. He directed four Marines to form a litter team to evacuate the almost dead Marine when he spotted an incoming enemy grenade. Ballard threw himself on the explosive device, protecting his brothers. The grenade failed to detonate. He stood back up and continued the fight, treating the other Marine casualties.
20. Hospital Corpsman Third Class Wayne M. Caron
While patrolling through a rice patty, Caron’s squad began taking small arms fire. Seeing his comrades sustain mortal wounds, he raced to each one of them and delivered medical attention to at least four Marines while suffering from two gunshot wounds. The injury didn’t stop Caron, he continued onward, putting the well-being of his Marines above his own.
21. Hospital Corpsman Third Class Robert R. Ingram
During an intense battle against dozens of NVA troops, Ingram’s platoon began to thin out. Danger close, Petty Officer Ingram crawled across the weathered terrain to reach a downed Marine as a round ripped through his hand. Hearing the desperate calls for a corpsman, Ingram collected himself and gathered ammunition from the dead. As he moved on from patient to patient, he resupplied his squad members as he passed by. Continuing to move forward, Ingram endured several gunshot wounds but continued to aid his wounded brothers. For nearly eight hours, he blocked out severe pain as he pushed forward to save his Marines.
22. Hospital Corpsman Second Class David R. Ray
During the early hours of the morning near Phu Loc 6, a battalion-sized enemy force launched a determined assault against the position Ray’s squad occupied. The initial attack caused numerous casualties. Ray moved from parapet to parapet, tending to his wounded Marines. Protecting his own, Ray killed one enemy soldier and wounded a second. Although mortally wounded, he held off the enemy until running out of ammunition. While treating his last patient, Ray jumped on a wounded Marine as a nearby grenade exploded, saving the Marine’s life.
23. Senior Chief Special Warfare Operator Edward Byers
Then-Chief Edward Byers was trained as a Special Operations Combat Medic at Fort Bragg, North Carolina, before going through SEAL training in 2002. As part of a hostage rescue force in Afghanistan, he assaulted an enemy sentry while rushing into a small room filled with heavily armed enemy fighters. He assaulted, tackled and fought the insurgents in hand-to-hand combat and then threw himself on the hostage to shield them from small arms fire. While shielding the hostage, Byers subdued others with his bare hands. The 36-year-old is still serving on active duty after 11 deployments. He is the most decorated living Navy SEAL.
If there is indeed “something in the water,” as President Eisenhower said, then Dix must have had more than his fair share. Dix first enlisted in the U.S. Army hoping to join Special Forces but had spent three years in the 82nd Airborne Division before being accepted.
By 1968, Dix was a Staff Sergeant serving as a Special Forces advisor in Vietnam. On January 31, 1968, the first day of the Tet Offensive, Dix was stationed near Chau Phu when the city was attacked by two heavily armed Viet Cong battalions.
Supervising Vietnamese soldiers, Dix led his small group on an attack into the city. Receiving information that civilians were trapped, Dix systematically, and sometimes single-handedly, attacked multiple buildings, killing or driving out enemy forces and rescuing some fourteen civilians from the battlefield.
Over two days of fighting, Dix, while leading his small group, was also credited with fourteen enemy killed and possibly as many as 25 more while capturing a further twenty enemy.
2. George “Bud” Day — U.S. Air Force
Col. George Day’s story starts the day his F-100 was shot out of the sky over Vietnam on August 26, 1967.
Then-Major Day was leading a Misty Forward Air Control flight when his plane was crippled by anti-aircraft fire. He ejected but was badly injured in the process. Not long after reaching the ground, he was captured and taken to a small POW camp.
Despite his injuries, and incurring more, Day traveled south towards the DMZ. He survived on berries and raw frogs. He made it very close to American lines but was unable to signal several American planes overhead.
Suffering from delirium, he began wondering aimlessly until he was recaptured by the Viet Cong who shot him in the hand and leg in the process.
Once in captivity, Day offered nothing but maximum resistance to the enemy and kept the faith with his fellow POWs. Along with receiving the Medal of Honor for his bravery in escape and resistance also received the Air Force Cross for his staunch refusal to cooperate.
Col. Jay Vargas was a Captain leading Company G, 2nd Battalion, Fourth Marines, when he assaulted the village of Dai Do on May 1, 1968.
The previous day he had already received painful wounds but had refused to be evacuated. Despite his wounds and a large volume of enemy fire, Vargas successfully maneuvered his company and two others through open ground to gain a foothold in the village.
When his men became pinned down, Vargas personally led the relief effort and then led the attack into the village. Wounded for a second time, Vargas again refused to be evacuated and continued the fight to ensure that the objective was secure.
No sooner had Vargas secured the perimeter than enemy counterattacks and probes began, but the Marines held through the night.
After receiving reinforcements, the Marines again went on the offensive. When a massive enemy counterattack threatened to drive back their position, Vargas remained in the open, offering aid and encouragement to the beleaguered Marines.
He was then hit for a third time in as many days. Ignoring his wounds once again, Vargas continued to lead his Marines until he saw his battalion commander go down.
Charging through a hail of gunfire, Vargas successfully evacuated his commander to safety before rejoining his Marines and reorganizing their defense.
Lt. Thomas R. Norris and Petty Officer 3rd Class Nguyen Van Kiet. Norris was awarded the Medal of Honor and Kiet was recognized with the Silver Star.
On April 2, 1972, an EB-66 carrying Lt. Col. Iceal Hambleton was shot down near the DMZ and right in the middle of the North’s Easter Offensive. Hambleton’s extensive knowledge of critical information made him a high priority for rescue.
However, efforts by air led to the loss of additional aircraft and more airmen killed. Finally, an attempt by ground was ordered.
The man in charge of the mission was U.S. Navy Seal Lt. Thomas Norris. He initially led a five-man team into hostile territory and was able to recover another downed flyer, Lt. Mark Clark – son of WWII General Mark Clark, who had been shot down searching for Hambleton.
Norris then led another mission but was unsuccessful in locating Hambleton. With time running out Norris devised a daring mission.
Norris, accompanied only by a South Vietnamese Commando, Nguyen Van Kiet, disguised themselves as fishermen and traveled deep into enemy territory. Patrolling through enemy infested jungles, Norris was able to locate Hambleton.
He loaded Hambleton into their sampan and covered him with bamboo and successfully navigated their way back to American lines while evading North Vietnamese patrols.
Just as they were reaching their base, they came under intense enemy fire, which Norris neutralized with a well-placed air strike.
For his highly successful, highly classified mission Norris was awarded the Medal of Honor. Nguyen Van Kiet became one of the few Vietnamese to receive the Navy Cross.
Commitment and a nurturing character help build strong families and businesses.
Before Flossie Hall co-founded and became the Chief Operating Officer of the Association of Military Spouse Entrepreneurs, she had one of the hardest jobs in the world: being a mother of four and an active duty Navy spouse. As a military wife, Hall has lived at 10 addresses over the last 14 years. For much of that time, she also had to be a solo parent.
“Plan something and the military laughs,” Hall quipped. She continued, “Business is the same way.”
After successfully navigating the financial challenges that come with new deployments, new homes and newborns (remember, she and her husband have four children), Hall has dedicated herself to the business of helping other military families.
AMSE is an entrepreneurship program built by military spouses, exclusively for military spouses. It is a digital organization that teaches military spouses around the world how to start their own businesses.
Military spouses are perfectly suited to be entrepreneurs because, according to Hall, “Entrepreneurs have to curve and swerve every single day.”
Like many entrepreneurs, Hall was the first person in her family to attain academic success. She was the first in her family to graduate from high school. And then, the first to attend and graduate from college.
Hall started at a community college and had to navigate financial aid on her own. She recalls signing paperwork as she learned about the cost of a college education. She accumulated a significant amount of debt to finance her education.
Today, Hall has a child in college whose education expenses weren’t budgeted for because she and her husband were very young parents. As a result, they learned the value of proper financial planning.
The Halls’ three younger children will also likely attend college. This time around, Hall and her husband are prepared. They opened college savings accounts that will help their kids pay for college.
Specifically, they started 529 accounts to help finance the children’s college educations. The special savings accounts have allowed the Halls to save long term for this specific financial planning objective. A 529 college savings plan is a great option to save for college because it is a tax-advantaged savings vehicle designed to fund specific education expenses.
The specific tax advantages are that earnings in a 529 plan account are allowed to grow over time free from federally income taxes. Then, when money is ultimately taken out of the account to pay qualified education expenses, there is no income tax on withdrawals.
Qualified education expenses include outlays such as tuition, books and potentially room and board. While a 529 plan account offers income tax breaks, contributions are not deductible.
There are many different 529 plans from which to choose. They are offered by each of the states and many educational institutions. And neither the account holder nor the beneficiary are required to reside in the state offering the plan. However, some plans may offer specific advantages to in-state residents.
Still, the fact that there are no residency restrictions means that there is ample opportunity to shop around in order to find the plan that best suits the needs of the beneficiary. Here are a few things to keep in mind when comparing plans:
Every state offers at least one type of plan.
Plans fall into one of two categories: Prepaid Tuition Plans or College Savings Plans. Prepaid tuition plans lock in the current tuition rate that typically must be used at the specific institution. A college savings plan can be used at any school.
Some plans allow others to contribute.
Most 529 plans allow people other than the account holder to make contributions to the beneficiary’s account. This is a great option for grandparents or other family members to contribute to a child’s future education. Instead of giving a child toys, friends and family can contribute to the student’s college fund.
The account holder owns and controls the account.
Named beneficiaries of 529 plans have no legal right to funds in the accounts. This is the case whether they are minor children or adults over the age of majority. It is also a way to assure the money will be used for its intended purpose. The account holder may withdraw money. The beneficiary may not. But if withdrawals are not used for qualified educational expenses, earnings will incur taxes and penalties.
Gift tax exclusion may apply.
529 plan contributions fall under annual and lifetime gift tax exclusions. The annual limit is currently $15,000 per beneficiary per contributor. This also means a married couple filing jointly can contribute up to $30,000 per child per account.
Consider a UGift® account.
UGift provides a way to invite family and friends to contribute to a child’s 529 account. UGift is a secure, free-to-use online service that allows others to transfer funds directly into your child’s 529 plan account. Because there are no fees, the entirety of those gifts gets deposited.
Because there are many options, there isn’t one 529 plan that satisfies every family’s unique needs. To determine the right fit, it makes sense to compare investment options, fees and other factors specific to your situation.
The best way to save for college is to start early and to add funds consistently. A 529 college savings plan account is specifically designed for educational expenses and can be a great way to finance future education expenses. For more financial tools and tips visit VCM.com/military.
The trenches and battlefields of World War I are some of the last places one would expect to read about women who were decorated for valor. Yet, in the “War to End All Wars,” six women received medals for valor. Three received the Citation Star, the forerunner to the Silver Star, and three others received the Distinguished Service Cross – second only to the Medal of Honor in recognizing valor in action.
All were with the Army Nurse Corps at the time, one of the very few outlets women had to serve in the military. While medical units weren’t supposed to come under fire, these six women were among the nurses who did come under fire – and would distinguish themselves.
According to Military Medical, the first woman to earn a Silver Star (known as the Citation Star in World War I), was Jane I. Rignel. At 7:30 AM on July 15, 1918, Mobile Hospital 2 came under attack. Rignel aided in the evacuation of the patients while under artillery fire – and kept going until the hospital itself was shelled by the Germans.
5. 6. Linnie E. Lecknore Irene Robel
Military Medical reports that these two nurses received the Citation Star for their actions while part of an ad hoc unit known as Shock 134, attached to Field Hospital 127. When the hospital came under fire on July 29, 1918, they continued to treat wounded soldiers who were brought in.
The tale of the Silver Star recipients takes an ironic turn. While the recipients of the Distinguished Service Cross got recognition at the time in publications like the Journal of Nursing, the Citation Star recipients slipped through the cracks. The Silver Stars were eventually presented to the families of Jane Rignel and Linnie Lecknore.
No relatives of Irene Robel have come forward – and her Silver Star remains unclaimed.
“Wheel of Fortune” is one of the most popular game shows in the country — running every weekday night at 7:30 PM Eastern Standard Time on most TV stations.
According to a report from the Independent Journal Review, during a November 2015 taping for the Veterans Week shows, Nura Fountano did something that has since gone viral.
During the “Final Spin” puzzle, Fountano, who had a commanding lead over the other two contestants, Troy and Steve, began to make some… questionable letter guesses. She picked the letters “Z,” and “X” and in at least one case, let time run out.
Steve ultimately correctly guessed the puzzle, “Following Footprints,” and won $6,400. Troy, the other vet, came away with $4,300.
The author, who was twice selected for in-person auditions for Jeopardy, notes that there is a minimum of $1,000 in prizes for each contestant. However, contestants usually have to pay for their own airfare and hotel stays related to the appearance on the shows.
The video clip below ends before we find out if Nura won the bonus round – but we think she is a winner, anyhow.
There are now an estimated 19.6 million American military veterans living in the United States, and that number is only going to rise. While veterans face a lot of the same economic and social pressures as lifelong civilians, we also tend to face a few different issues as we reintegrate into civilian life — and where we live can make as much a difference for us as it does for our children.
The highly-popular personal finance website compared the largest 100 U.S. cities and indexed them for key factors of livability, affordability, and veteran-friendliness. What the latter means is that the cities have important resources and opportunities for veterans. Things like services to aid transition from military life, finding employment with military skills, and opportunities for growth are weighted in the rankings. Also important to study is access to VA facilities and services in these cities.
You can read all about the methods WalletHub used to grade the cities and see each city’s grade on the WalletHub website. There, you can also see how each is ranked overall versus the 99 other biggest cities in America, along with each city’s rank according to job opportunities, economic factors, veteran quality of life, and veteran health issues.
1. Austin, Texas
It should come as no surprise that a hip city in Texas came in at number one. Austin makes the top of many lists and a home for veterans is not going to be different. The city is 20th in the health rank for veterans, but overall quality of life is rated very highly.
2. Scottsdale, Ariz.
Arizona is another historically military-veteran friendly state. Scottsdale actually beats Austin in many weighted areas, but its overall health ranking is much, much lower, leaving it at number 2 on the list.
3. Colorado Springs, Colo.
The Air Force doesn’t choose poorly when it comes to quality of life, anyone who’s spent a day on an Air Force installation can attest to that. The home of the Air Force Academy has the highest quality of life of any of America’s top 100 cities, while ranking high on quality of the economy.
4. Raleigh, N.C.
Job opportunities and the chances of economic growth are high in Raleigh, higher than any other city in the top five. It has some work to do in the health category, as far as veterans’ healthcare needs are concerned, but getting a good job with promotion potential can make the difference for a veteran family.
5. Gilbert, Ariz.
There may be many people who are surprised to see a city with a population of just above 208,000 make the top-five list of best places for veterans, but this Phoenix suburb offers great economic growth opportunity and a high quality of life for vets.
96. Baltimore, Md.
Does ranking in the bottom five mean that Baltimore is a terrible place to live? Not necessarily. It means that of America’s 100 biggest cities, Baltimore has some work to do to attract veterans, especially in terms of quality of life and economic growth opportunities. No one wants to end up in a city that doesn’t grow with them.
97. Fresno, Calif.
Fresno, with just under a half million people, is not the worst of the worst in any of the four rankings that comprise its overall 97th position. In terms of jobs and the local economy, it’s a better city than the other bottom five, but not by much.
98. Memphis, Tenn.
It’s surprising to see Memphis make the bottom of the list, but while the economic factors for veterans fare better than other cities on the bottom of the list, jobs, veteran health, and overall quality of life for vets suffer in Memphis.
99. Newark, N.J.
Newark is actually more toward the middle of the the overall 100 on the list when it comes to veteran health care, but it sits at dead last for veteran jobs and quality of life.
100. Detroit, Mich.
Poor Detroit has taken a beating over the past few years. While the Michigan city ranks dead last on the overall list of American cities for veterans to live, it doesn’t take last place in any of the four factors that comprise the list.
During the opening days of Operation Iraqi Freedom, elements of the 3rd Infantry Division had come under fire from Iraqi forces, including T-72 tanks. That’s when the boots on the ground called for air support.
Thornton came within 1,000 yards of the enemy, using his A-10’s GAU-8 cannon in some cases. Ultimately, he and the other pilot would be credited with killing three T-72s, six other armored vehicles, and a number of other targets.
Fourteen years after that battle, Thornton, a retired Air Force lieutenant colonel, will receive the Silver Star in a ceremony in July that will be presided over by Gen. Mike Holmes, the commander of Air Combat Command. The ceremony will take place at the National Museum of the United States Air Force at Wright-Patterson Air Force Base in Ohio.
“This courageous and aggressive attack, while under withering fire and in poor weather, along with Capt. Thornton’s superior flying skills and true attack pilot grit, allowed Task Force 2-69 Armor to cross the Tigris River with minimal combat losses and successfully accomplish their objective of linking up with coalition forces completing the 360-degree encirclement of Baghdad,” the citation that outlined the award reads.
Thornton had been assigned to the 75th Fighter Squadron at Pope Field, near Fort Bragg, prior to his retirement. At the time of the incident, Thornton was a captain in the Air Force.
The Senate by a vote of 86-9 confirmed Robert Wilkie on July 23, 2018, as the next secretary of the Department of Veterans Affairs in a move to bring stability to a department Republicans and Democrats suggested has been in turmoil over political infighting and low morale.
The vote for Wilkie, 55, of North Carolina, an Air Force Reserve colonel with long experience at the Pentagon and on Capitol Hill, capped a tumultuous four months at the VA marked by ongoing leadership shuffles since President Donald Trump fired former VA Secretary Dr. David Shulkin in March 2018.
In a sign of continuing questions about the direction of the VA, the Senate’s action in confirming the new secretary — normally a bipartisan event — featured opposition votes.
The vote to confirm Shulkin in 2017 was 100-0 to head a department serving nine million veterans annually with a budget of more than 0 billion and a workforce of more than 350,000.
The “no” votes came from eight Democrats, including Sens. Dianne Feinstein of California and Elizabeth Warren of Massachusetts, and one independent, Sen. Bernie Sanders of Vermont.
Sen. Bernie Sanders
Sanders in early July 2018 cast the first opposition ballot in memory for a VA secretary nominee in the Senate Veterans Affairs Committee vote that sent the nomination to the floor.
Sanders at the time said he was voting more in protest of Trump than he was to Wilkie’s qualifications, saying he feared that Trump and political appointees within the VA would use the recently passed VA Mission Act as a vehicle to press for the “privatization” of VA health care.
In the floor debate leading up to the vote, Sen. John Boozman, R-Arkansas, said he is confident Wilkie can “re-establish the non-partisan approach to serving our veterans” at the VA, a possible reference to political infighting at the department.
Sen. Jon Tester, D-Montana, who voted for Wilkie, was more direct. “We’ve got political forces at play inside the VA. That’s very unfortunate,” said the committee’s ranking member. “When Mr. Wilkie becomes secretary, he has to see that this stops.”
In his stormy departure from the VA, Shulkin said he was the victim of “subversion” by Trump political appointees within the VA and at the White House.
Sen. Johnny Isakson, R-Georgia, chairman of the committee, said, “We know Robert Wilkie is the real deal,” and he will now have the opportunity “to fix the problems that we have” at the VA.
“This is the opportunity to do the changes of a lifetime,” Isakson said but repeated a warning he gave Wilkie at his confirmation hearing: “You will have no excuses.”
Shulkin’s firing initially led Trump to nominate Rear. Adm. Ronny Jackson, his personal physician and head of the White House medical unit, to head the VA.
Rear. Adm. Ronny Jackson
In an embarrassment to the administration, Jackson withdrew his name over allegations — never proven — that he mishandled prescriptions at the White House medical unit and may have been drunk on duty.
Following Jackson’s withdrawal, Wilkie was moved over from the Pentagon to become acting secretary at the VA. In his time as acting secretary, Wilkie noted the political turmoil and low morale at the department. He said he wanted the staff “talking to each other, not at each other.”
When Trump surprised him by nominating him to the full-time position, Wilkie had to step down as acting secretary to avoid violating a provision of the U.S. Code barring acting secretaries from nomination to cabinet positions.
Peter O’Rourke, a former Trump campaign worker who had been chief of staff at the VA, was moved up to the acting secretary’s position. O’Rourke has since clashed with VA Inspector General Michael Missal over access to whistleblower complaint data.
The major veterans service organizations (VSOs) supported Wilkie’s nomination despite initial reservations that expansion of community health care options for veterans could lead to privatization.
In a statement after the vote, Denise Rohan, national commander of the two-million-member American Legion, said in a statement, “I congratulate Mr. Robert Wilkie on his Senate confirmation to be the 10th secretary of the Department of Veterans Affairs.”
“We look forward to working closely with Secretary Wilkie and his staff to ensure America’s veterans receive the health care, education, and other benefits they have earned through their selfless service to our great nation,” she added.
This article originally appeared on Military.com. Follow @militarydotcom on Twitter.
It’s not every day that the mild-mannered janitor at your school turns out to be a bad ass Medal of Honor recipient. But that was exactly the case for thousands of cadets at the United States Air Force Academy.
The story starts in Italy in 1943. Pvt. William Crawford was serving as a scout in I Company, 3rd Battalion, 142nd Infantry Regiment, 36th Infantry Division, as it fought its way up the Italian peninsula.
After landing at Salerno, Crawford’s unit was advancing against stiff German resistance. Just four days after the landings, I Company launched an attack against Hill 424. Once his platoon gained the crest, they became pinned down by intense German machine gun fire.
Ignoring the hail of bullets, Crawford advanced on the German position and silenced it with a hand grenade.
When his platoon was once again pinned down, Crawford didn’t hesitate to charge forward, this time to destroy two machine gun emplacements.
He first attacked the machine gun to the left and destroyed it and the crew with a hand grenade. He then worked his way to the next machine gun under intense fire. When he was in range he again tossed a hand grenade that sent the crew running.
Later during the intense fighting in Italy, the Germans captured Crawford. His status was listed as missing, presumed dead.
When his Medal of Honor was approved in 1944, it was presented to his father, posthumously.
However, Crawford had in fact survived and in 1945 was liberated from a German POW camp by advancing Allied forces.
Crawford was discharged after the war and returned home before marrying in 1946. He decided to reenlist in 1947 and served another 20 years before retiring with the rank of Master Sergeant in 1967.
His next career move would prove fateful. He took a position as a janitor at the Air Force Academy in his home state of Colorado.
Despite his courage in combat, Crawford had always been rather mild-mannered and didn’t care much to talk about himself. As such, the cadets at the Academy paid him no mind, assuming he was just any other janitor.
Crawford carried on his duties until 1976 when one cadet, James Moschgat, noticed a picture in a history book about World War II.
Moschgat couldn’t believe what he was seeing and showed the picture to his roommate saying, “I think Bill our janitor is a recipient of the Medal of Honor.”
The next day Moschgat and his roommate confronted Crawford to ask if it was truly him that was talked about in the book. According to Moschgat’s account Crawford simply looked at the picture and replied, “Yep, that’s me.”
Astonished by what they had just learned, they quickly asked why he had never mentioned it before. Crawford’s reply once again showed his humility. He simply said, “That was one day in my life and it happened a long time ago.”
Word quickly spread around campus that there was a Medal of Honor recipient in their midst.
The story could have easily ended here with a known recipient of the Medal of Honor working as a janitor at the Air Force Academy. Most people would have never heard the story.
However, the cadets weren’t done.
They eventually found out that because of the circumstances, mainly that Crawford was a POW at the time, he had never had a formal ceremony to present him with his medal.
So, when the Class of 1984 reached graduation they invited Crawford as their special guest. And they had a special surprise in store for him. President Ronald Reagan was giving the commencement speech at the Academy that year.