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As a military spouse, it's hard for me to miss all of the talk on the news about the Federal Government looking for things to cut from the budget. The buzz around my very small military circle of friends has included mentions of "budget cuts" since the beginning of this year. I can think of many different ways the military can save money and I was happy to see a story about the Marine Corps considering one of my ideas - "homesteading."
(The Old Fart speaks his mind and we encourage that at Macho Spouse. Â However, The Old Fart's views do not necessarily represent the views of Macho Spouse...but he sure is fun to read.)
Think the Fiscal Cliff is scary?
Wait till you do your taxes!!!
You crazy political cry-babies, you stubborn fools who call yourselves the people's choice â€“ are you really that blind?
Are you serious?!? WHY should you vote? I'll tell you why!
Old Fart here, with rant number 3. Ok, rant number 2 wasn't so much of a rant as it was a back to basics teaching on OPSEC. Now, I want to get-in-yer-face yell-ya-down to all you who don't think voting means anything!
Macho Spouse is excited to announce our new partnership with the Sonoran Desert Institute (SDI) and their School of Firearms Technology (SFT). Throughout the year, SDI will provide Macho Spouse with content on Gunsmithing, firearms, and different educational opportunities. In fact, we will be introducing a new Macho Spouse Scholarship to their School of Firearms Technology in May!
Why did we chose SDI to be our first educational-based sponsor? Well, because they've demonstrated the ability to meet criteria for academic and consumer right standards from federal and state agencies as well as non-governmental agencies. These standards ensure quality education through sound financial operations, approved programs of study, qualified instructors, and approved recruitment and admissions policies. Click here to learn more about their accreditations.
SDI also has an interest in specifically helping military spouses find work through their programs of study. They participate in the G.I. Bill Program, the Montgomery G.I. Bill Program, REAP, and MyCAA.
These guys are the real deal and we're happy to have their support! Please take a minute to visit their site and learn more about what they have to offer. Who knows, maybe you can start on a new career in Gunsmithing this year!
The Military Officers Association of America is the nation's largest and most influential association of military officers. It is an independent, nonprofit, politically nonpartisan organization. They are the leading voice on compensation and benefit matters for all members of the military community, and are a powerful force speaking for a strong national defense and representing the interests of military officers at every stage of their careers.
Learn why male military spouses and their families should pay attention and get involved with what MOAA is doing.
Interviews with Karen Golden (Deputy Director, MOAA Government Relations) and Monique Rizer (Deputy Director, MOAA Spouse Programs). Video Credit to MOAA Video Department for providing some b-roll footage.
In Gear was started by Career Minded Military Spouses for Career Minded Military Spouses. We operate on the principle that in every location and in every occupation, Military Spouses will always seek opportunities to help each other find and pursue fulfilling employment.
We seek to build community, expand professional networks, share resources and learn from each other. We expand the impact of existing government programs by addressing the specific needs of spouses whose professional career trajectories are interrupted by frequent moves and deployments. We target professional employment and career progression NOT just job placement.
Guys, this effects you directly. If you're a little unsure of just exactly what's happening and what this is all about, please visit this cool new page from MOAA (Military Officers Association of America). They do a great job of laying out the issue, why we should care, and they also make it very simple to help the cause of defending your benefits. Today's "small cuts" to our retirement COLA will effect every one of your families in the future. But what's most important is that these cuts represent a breach of contract, a breach of faith, and a broken promise our government made to each and everyone of our families. Please don't just do nothing, help the cause and join the fight.
I write about military financial independence, but Im getting a lot of e-mail about navigating the drawdown and starting a bridge career. Im also hearing from Reserve and National Guard servicemembers about balancing their military careers with their civilian employers. Veterans (and military spouses) know that their transition to a civilian career will be like transferring to a duty station in a foreign country. Theyll spend lots of time explaining their military skills and achievements to civilians and translating their military culture into a foreign language.
Then theres the challenge of competing with hundreds of other potential employees who are also reporting for duty at these companies. The drawdown is adding several hundred thousand more veterans to the usual crowd of people who are already leaving the military, and this exodus will continue until at least 2017.
Over the last three years the U.S. Department of Labor and the Veterans Administration have rolled out a number of initiatives. By now youve seen at least a half-dozen programs for translating your military career into a civilian resume, or creating your elevator pitch, or finding your ideal company. Theres plenty of advice on Linkedin about researching your company, tapping into the right networks, and handling interviews. There are many government and non-profit programs to guide you through the transition process,
Those programs are helping veterans and spouses figure out what employers want and showing them how to navigate the job search. Wouldnt it be nice if someone taught the employers about you? Wouldnt it be a huge relief to meet hiring managers who already understands who you are and what you can do? Wouldnt it be great to work for a company that actually wants to hire military veterans?
Last week I interviewed a group of people who have started doing just that. Theyve spent months building the programs and the infrastructure, and theyve already educated a number of companies on military veterans & spouses. They held their first hiring conference two weeks ago, and now theyre coming to a base near you.
The interview was arranged by USAAs staff. (Thanks, Jamia & Pete!) I talked with Geoff Grant, their Program Director of Supplier Diversity. (Hes also an Army veteran.) We were joined in the call by Jennifer Giering, the Director of Business and State Engagement at Hiring Our Heroes. We also talked with Bryan Goettel, the Chamber of Commerce Founda
What is a “bond?” No, not a secret agent from England, but an investment tool used to grow wealth. According to the Wall Street Journal, bonds are a form of debt. Bonds are loans, or IOUs, but you serve as the bank. You loan your money to a company, a city, the government – and they promise to pay you back in full, with regular interest payments.
Pretty understandable, but for greater detail and examples, click on the video and listen to Scott Halliwell from USAA explain.
You have captured your small business idea, now what do you do? If you are like me, once the idea is seeded in your mind, you begin to brainstorm the best way forward. But what is the best way forward. Depending on your own personal experiences, getting your mind caged to help your idea might be one of the most challenging things you do.
I think one of most amazing aspects of starting a business is the pure creation of the endeavor. I think the concept of turning your thought, a series of synapses that fired in your brain, into an existing and tactile entity is one of the best attributes to being human. I personally think this pure creation provides is what provides deep satisfaction and feeds the soul of man and woman. Despite the feelings that great ideas provoke, it is still hard to see the path forward if you don't know how to proceed. This is where the business plan fits in nicely.
Hey guys, have you taken this survey yet? Stuff like this is important because it may help you find work in the future, as well as, future generations of military spouses!
The Military Officers Association of America (MOAA), a non-profit organization that advocates for military personnel and their families, is teaming up with Syracuse University's Institute for Veterans and Military Families (IVMF) to launch the Military Spouse Employment Survey.
Military spouses face many challenges to both employment and career advancement as a result of the military lifestyle. This imperative study will look at the employment pattern of all military spouses, especially related to their long-term career trajectories. We encourage all active duty, National Guard, reserve, veteran, and surviving spouses who are 18 years and older to participate by sharing their stories, experiences and lessons learned.
According to the 2010 Department of Defense Manpower Data Center (DMDC), there are approximately 725,877 spouses of Active Duty service members and approximately 413,295 spouses of Reserve and Guard members. In addition, it is estimated that there are more than 15 million veterans' spouses in the United States and over 5.8 million surviving spouses. By adding their voice, we can build a stronger foundation for military spouses' professional needs, identify any barriers to career development and share their stories with government officials, state, and federal policy makers in order to overcome obstacles and improve the quality of life for our service members and their families.
The Military Spouse Employment Survey will open on September 16, 2013 and remain open for 30 days. This survey is completely anonymous, for research purposes and therefore completely voluntary. The survey will take approximately 30 minutes to complete.
Is it possible to buy a home with no money down? If you or your spouse qualifies for a VA home loan, the answer is yes. VA home loans are a special benefit available to current and ex-members of the U.S. military only and they can save homebuyers a lot of money. Veterans and active members of the U.S. military are eligible for some of the lowest interest rates on the market but that's not the only way VA Loans save buyers money. VA Loans are also "No Money Down" home loans.
Understanding "No Money Down"
"No money down" means homebuyers don't have to provide a down payment to obtain a VA Loan. Traditional mortgages or home loans require as much as 5% to 20% of the purchase price as a down payment on a home. On a $200,000 home that is between $10,000 and $20,000 that must be provided at the closing. Saving up that much money for a down payment is a huge stumbling block for many would-be buyers. They may have the credit and income qualifications needed to obtain a home loan, but just can't come up with the down payment. Too often they end up not buying their own home or they miss out on the home they really want.
The VA Loan program changes that and makes homeownership more accessible by waiving the down payment requirement. VA Loan mortgage lenders are willing to forego this requirement because VA Loans are backed by the U.S. Government. This minimizes the risk to lenders if a buyer defaults, which is one of the primary reasons down payments are typically required.
Which is More Risky, Entrepreneurship or Trying to find Defense-Related Employment After Separation?
Earlier this year I attended my Transition Assistance Program (TAP) class ahead of my planned 1 August 2014 retirement. After completing the week of training with 25 other military members (both officers and enlisted), I was left with some thoughts about the program and life after the military.
TAP class, whose name is now Transition GPS due the passage of the 2011 Vow to Hire Heroes Act, was heavily geared towards providing military members the tools to become Government Service (GS) employees or defense industry professionals. I certainly understand why. After all, everyone in the class served in the military their entire career, some spanning over 30 years. It makes sense that most would want to capitalize on the skills they acquired during their many years of service.
Global Dynamics, LLC, is looking for a 'Certified Medical Technologist' to work in a VA Medical Center Laboratory in Lake City, Florida or Gainesville, Florida. Incentives includ...
Global Dynamics, LLC, is looking for 'Registered Nurses ER /OR and Medical Surgical' to work at the Atlanta Veteran Affairs Medical Center in Decatur, Georgia.
Interested candidates should apply online at: www.theglobalway.com under 'Job Center'.
Lucky number seven. That's what this year's annual MOAA spouse symposium was – though it was a lot more than luck that made the day great. It was the 300 military spouses from across the Pacific Northwest who made the cold trek through Seattle-Tacoma traffic to spend a day at MOAA's 7th Annual Military Spouse Symposium. Here's what we learned, what made us cry, what made us laugh, and who made a special appearance.
We found this article written at the Fort Belvoir newspaper and decided to share as we feel this is a very important issue.
Last month's headlines proved that servicemembers are expected to behave on duty, off duty, in uniform and out, and even on social media.
First, there was the Facebook photo of an airman tongue-kissing a Prisoner of War-Missing in Action symbol, reported by the Army Times Feb. 14.
Then, there was the photo of Soldiers acting silly next to a casket, posted by a Wisconsin National Guardsman on an honors detail and the Intagram “selfie” of a Fort Carson, Colo., Soldier hiding in her car to avoid saluting the flag during retreat (reported by the Army Times Feb. 18 and Feb. 25, respectively).
Those servicemembers are facing investigations because their posts violated the Uniform Code of Military Justice.
The federal government's consumer watchdog has changed a regulation to make it easier for stay-at-home parents and others who don't work to be approved for new credit cards.
Monday, the Consumer Financial Protection Bureau finalized a regulation change to allow card companies to consider financial support from other people when evaluating a consumer's credit-card application. It changes a 2011 regulation under which banks were allowed to consider only the applicant's income.
The 2011 regulation and its more accommodating new version both grew out of the Credit CARD Act of 2009. Its underlying purpose was to clamp down on students getting cards and racking up debt they couldn't repay, and it required individuals applying for credit to demonstrate an ability to repay what they borrowed.
As originally written, though, the regulation had a side-effect impacting more than students: Its "ability to repay" language meant that anyone who relied on someone else's income -- including stay-at-home parents or spouses who are divorced and don't work -- suddenly had a harder time being approved for credit cards and building credit histories in their own names.
"Stay-at-home spouses or partners who have access to resources that allow them to make payments on a credit card can now get their own cards," CFPB Director Richard Cordray said in announcing the rule change. The agency proposed the change in October 2012, calling it a common-sense move.
Instead of just an individual's income, issuers can now consider broader measures, such as "available income" or "accessible income." Previously an issuer could not consider household income -- which used to be widely used on credit-card applications -- without confirming how much money the applicant has access to in order to pay bills. The changes apply to people 21 and older.
TWENTYNINE PALMS, Calif. - Spouses of service members are often faced with unique challenges like raising children while their partner is deployed and frequent relocation each time the next permanent change of station come around. Focus is placed on the service member's career, leaving the spouse's employment aspirations to be placed on the back burner. Programs like Hiring Our Heroes not only work toward finding meaningful employment for veterans, but for spouses as well.