Category Archives: Resources + Information

Currently Serving and Retirees – Pay Cuts Affect Us All

Balance-Budget-on-Backs-(2)With the proposed Ryan-Murray budget deal being voted on this week, military retirees are being urged to let their Congressional Members know how the Cost-of-Living-Adjustments (COLA) cap on military retired pay will adversely affect them over the course of their retirement. But this is only one part of the Congressional attack on compensation aimed at both the currently-serving and retirees.

Let’s not forget that the other deal announced recently — the National Defense Authorization Act for Fiscal Year 2014 (NDAA) — inflicts some pay pain on those currently-serving, which will translate to more pain when they retire. Our active duty service members should be getting a 1.8 percent pay raise, but the NDAA provides only a 1 percent raise.

And, oh by the way, in 2014, retirees will receive their full 1.7 percent COLA. The phase-in of the reduction in the COLA for retirees ages 62 and under, called for in the budget bill, doesn’t start until 2015 and will happen over 3 years. Projections on active duty pay call for smaller raises than the civilian wage increase during that time. So even if the phase-in of the reduced retired pay goes into effect, those currently serving will probably receive a few smaller pay increases than retirees. And remember, smaller active duty pay raises translate into lower retiree pay when that active duty member retires.

Congressional decisions are spreading the pain to all military people in a way disproportionate to the rest of the Nation. We firmly believe the changes in pay and retirement should not have been done piecemeal by Congress without waiting for the recommendations of the Military Compensation and Retirement Modernization Commission, established to study compensation and retirement.

We can’t talk about the harm to one group of our community without talking about the damage long term to the folks serving now if they’re denied the pay raises equal to civilian wage growth. The families of our future retirees are getting a double whammy–one punch is the lower pay raise now and the other is the lower retiree COLAs in the future. At least there will be a catch-up for the retirees when they turn 62. There’s no catch-up on active duty pay losses.

Let’s make our leaders understand the effects these deals AND continued sequestration are having on all military people.

Let Congress know that budgets should not be balanced on the backs of those who have already given so much. Despite the urgency on the budget bill, we need to focus on the effects to entire life cycle of service – from currently serving to retired. Write your Members of Congress and let them know how you feel.

And, on another note, with these hits to military families’ wallets, commissary savings become even more important! We continue to urge the Department of Defense to preserve the commissary system and the savings it provides.

How Are Military Families Doing? What Researchers Are Discovering.Posted by Joyce Wessel Raezer, Executive Director

Military Spouse Scholarship Opportunities!

man-studyingNational Military Family Association is pleased to announce a new affiliation with the University of Southern California and Georgetown University. With master’s degree programs delivered online, these universities can help you continue your education no matter where military life takes you. Plus, through our Association, program candidates are eligible for scholarship opportunities.

What do YOU want to do?
Each of these programs blends live, online classes taught by university faculty with hands-on field experiences in students’ own communities.

To learn more, choose your field of interest:

Education: Make a Positive Impact in the Classroom — and Beyond
You can create positive learning experiences in a variety of educational settings when you earn your master’s degree in education. Ideal for aspiring or practicing teachers alike, the USC Rossier School of Education offers three online master’s degree programs:

Featuring the same highly selective admissions criteria as the on-campus programs, the USC Rossier’s online master’s degree programs can prepare you to inspire students everywhere.
Pre-Requisites: Bachelor’s degree
Scholarship Opportunity: $5,000
Learn more >>

Social Work: Further Social Justice
The University of Southern California School of Social Work is the first among elite research universities to offer its highly regarded Master of Social Work online. Expand your knowledge and gain in-depth training by choosing a concentration that complements your personal and professional interests — including a specialization in Military Social Work. Taught by renowned faculty and leaders in the field of social work, the online curriculum matches the academic rigor of the on-campus program.
Pre-Requisite: Bachelor’s degree
Scholarship Opportunity: $7,500
Learn more >>

Nursing: Improve the Health and Well-Being of All People
Advance your practice and improve patient outcomes as a nurse practitioner. Georgetown University’s nationally ranked Master of Science degree in Nursing features Family Nurse Practitioner (FNP) and Nurse-Midwifery/Women’s Health Nurse Practitioner specialties. Taught by Georgetown’s highly respected faculty, these programs are designed to provide the next generation of nursing leaders with the insight and knowledge they need to grow professionally and improve the health and well-being of all people.

Pre-Requisite: Registered Nurse (RN) license and a Bachelor of Science degree in Nursing (BSN)
Scholarship Opportunity: $7,500
Learn more >>

No matter where life takes you, never stop learning!

Are you a military spouse going back to school? Tell us what you’re studying!

How to Manage Spending and Stress During the Holidays

budgeting-for-holidaysA few weeks ago, we posted an article about managing your money as the holidays approach. Nothing is worse than the reality check of opening the credit card bills from all the overspending you did during the holidays. And here we thought putting on those few ‘holiday pounds’ was the only problem! The good news is that it’s never too soon to start being smart with your money. It’s never too late, either. So, let’s get down to business!

Consumer Finance Protection Bureau recommends that you avoid holiday overspending by:

Making a spending plan. Be honest about what you can really spend. Not everyone needs a tangible gift purchased with money and people often appreciate things that don’t have a price tag. So, make a plan and work within that plan. Get creative: offer childcare, house cleaning, make dinner, or get crafty!

Make a list of gift recipients. Plan, plan, plan! If you make your list early, you have time to search for good deals instead of settling for what is available at the last minute. If your list seems long (is every member of your extended family on the list?), consider doing a drawing of names or make a family game where gifts are anonymous, like “Secret Santa”. This can be a great opportunity to bond and minimize cost when your recipients have common connections. If your budget is tight, but you feel like you have to purchase gifts, try to prioritize who needs something purchased instead of something homemade. Shop online and compare prices if you have specific gifts in mind.

Keep track of what you spend. If you save in one area, you can shift that savings to other areas of your holiday gift budget! Don’t forget to look for coupons. Many paper coupons can be redeemed online and vice versa. Consider putting any money saved into a retirement or savings account!

Avoid impulse purchases. Shop online to avoid the temptation of shelves crowded with overpriced stocking-stuffers and last minute purchases that you didn’t plan on. When you are in a store, stick with your list! Think twice about window shopping, the occasional splurge, or spoiling moment in an effort to keep more money in your wallet until after the holidays when you are back in a predictable spending routine.

Leave your credit cards at home. Using a credit card almost immediately busts your budget, or at least allows for too much temptation. Make a budget that fits within what you can afford in cash. If you will be purchasing on credit, make sure you have a pay-off plan that you can stick to. You can even save a little extra money elsewhere by making a creative spending plan in advance, like purchasing gift cards for an expensive item when those gift cards offer savings on something, like gasoline. Many stores, like AAFES, offer free or reduced fee layaway prior to Christmas. Always check your local installation exchange to see if they offer a layaway program.

Check details when purchasing gift cards. Some gift cards have special use requirements, like deadlines by which the card expires or fees for not using them within a specified amount of time. This impacts the useable value of the card, so check in advance for full redemption value.

There are lots of great ideas out there about ways to save, but I love this one from Military Saves: start a savings plan in January 2014 to budget for your gifts for next year! This is the perfect time to analyze how you spend during the holidays and put a realistic long term plan together that will have less of an impact on your pocketbook and relieve some of your financial stress.

What tips and tricks do you use for holiday spending and budgeting?

brookePosted by Brooke Goldberg, Government Relations Deputy Director

Joanne Holbrook Patton Military Spouse Scholarship: Apply Dec 1!

Female-Psychology-StudentIt’s all in a name.

In this case, that name is Joanne Holbrook Patton. Joanne is a fifth generation Army daughter, and was married to the late Major General George S. Patton IV for 52 years. She has served graciously as a volunteer for the Red Cross, Army Community Service, and the National Military Family Association. She believes strongly in the importance of education for military spouses.

In 2005, the National Military Family Association renamed its scholarship program in her honor. In the ten years since the program’s inception, we have awarded more than 2,700 military spouses with over $2.4 million towards their education and careers.

Over the years, the scholarship program has adapted to the ever-changing military lifestyle. The ‘mobile’ lifestyle requires that spouses have portable careers – those that can be restarted in any state or overseas – in order to remain in the job market after each move. Often times, spouses already own a degree, or may be pursuing a degree, and return back to school to find a career that is more portable. The return to education comes at their own expense. The Joanne Holbrook Patton Military Spouse Scholarship Program is here to help alleviate the cost of schooling, licensure and certification.

Based on the current shortfall of professionals in the mental health field, we believe the military community will continue to suffer unless we devote efforts to developing a future workforce of individuals trained in these specialties. This year, UnitedHealth Foundation has made it possible for the program to cover clinically supervised hours for spouses with a Master’s degree in Psychology, Psychiatry, Social Work, or Counseling, who are pursuing clinical licensure in the mental health arena. In partnership with the UnitedHealth Foundation, we are striving to build an education to employment pipeline for mental health providers.

Wartime realities increase the importance and difficulties of military spouse education. Extraordinary battlefield medicine saves lives that would have been lost in prior wars – but many of the wounded are no longer able to work.

Military spouses require increased educational opportunities to help prepare for “the unthinkable.” In the event that the service member has been wounded, a better education can allow a spouse to rebuild their family, and pursue careers best suited to supporting them long term. To aid such situations, our program offers scholarships to spouses of the wounded and fallen.

Ten years later, we are still inspired by Joanne Holbrook Patton. She exemplifies what it means to serve, and even today, is avid supporter of military spouses.

If you are a military spouse heading back to school, signing up for a licensure exam or pursing a certification, remember to apply to the Joanne Holbrook Patton Military Spouse Scholarships opening December 1st. Applications are accepted through our website.

See a full list of eligibility requirements here.

alliePosted by Allie Jones, Military Spouse Scholarship Program

[Watch Live] Cyber Safety and Your Military Family: What you need to know!

In an increasingly interconnected world, military families face unique challenges when using social media to connect to loved ones. Maintaining operational security and the safety of family members at home and abroad requires extra levels of care and planning.

This afternoon, the National Military Family Association will convene a conversation that explores these unique challenges and provides recommendations that will help family members stay safe online.

Cyber Crisis: Protecting the U.S. Companies and Your Family in a War Waged by Hackers takes place today at 3:00pm EDT. The second in our series on technology advancements and threats affecting the Nation, this event focuses on its impact on every American home—including those of military families.

Tune in to the live feed below, or watch from our website. We’ll be taking your questions during the conversation and General Hayden and Mr. Mandia will answer them!

Follow us on Twitter as we live-tweet the event using #cybersafe!

Honoring Military Caregivers

caregiver1Each November the military Services observe Warrior Care Month to honor the service and sacrifice of wounded, ill, and injured service members, and their families – the caregivers who support them. This year’s theme is Warrior Care – Building a Ready and Resilient Force. The National Military Family Association believes there is a wounded family behind every recovering warrior or veteran. In honor of Warrior Care Month, we are pleased to release Tips from Caregivers for Caregivers. The first compilation of its kind, a resource from seasoned military caregivers for new military caregivers, shares advice and insights to help guide new caregivers.

Tips from Caregivers for Caregivers was made possible through an inaugural Innovation Grant from Caring for Military Families: The Elizabeth Dole Foundation. With the support of this grant, we asked experienced caregivers what advice they would give to a new caregiver. One caregiver noted, “There are two types of support I need as a caregiver: me dealing with my spouse’s injury and me dealing with me dealing with my spouse’s injury.” This is sound advice and emerged as a theme for the tips that fell into two categories: Taking Care of your Recovering Warrior and Taking Care of Yourself.

In addition to Tips from Caregivers for Caregivers, our Association incorporated the information we received from caregivers into the Caregiver Life Path of our MyMilitaryLife mobile app and our website’s caregiver section. We appreciate the support of Caring for Military Family: The Elizabeth Dole Foundation in helping us gather the insights of experienced caregivers for the purpose of helping others. We are honored to release these resources to assist military caregivers as they care for their recovering warrior or veteran.

KatiePosted by Katie Savant, Government Relations Information Manager

Cyber Crisis: Protecting your family in a war waged by hackers

cyber-crisisRaise your hand if you’ve ever heard the term “OPSEC.”

What about “PII?” Or “PERSEC?”

It’s fairly common for military families to know an arsenal of acronyms that pertain to their service member, or military culture in general. While a lot of them are important, not understanding these three acronyms in particular can put you and your family in harm’s way.

OPSEC, or Operational Security, keeps our military information secure and out of the hands of those who could harm us – not just in person, but online, too. Sharing things like your loved one’s rank or job title, where they’re stationed, or when they’re returning home could get you in trouble. In some cases, even having a unit-specific sticker on your car could be a violation of OPSEC.

PII, or Personal Identifiable Information, is any information that can be pieced together to determine your identity. Things like your social security number and name are the obvious ones. But when someone knows your first name, email address, and the town you live in, it becomes easier to then determine your last name. With your full name, a person could search property records and find your address. And by simply driving by your home, they’d see the decal on your car, “Half of my heart is in Iraq.” They now know your service member is deployed and you are home alone, just from sharing too much PII.

PERSEC, or Personal Security, like OPSEC, reminds us to be aware of what we are sharing. Terrorists are just as tech savvy as you and I, and in most cases, have the means and abilities to find out things about us that we didn’t know they could.

With the internet being our main way to communicate with our service members when deployed, pay your bills, share photos, and do online banking, we have to be even more cautious of what we share online. If you aren’t careful, each of these seemingly harmless actions can lead to over-sharing, and can put your family in danger.

Are you doing everything you can to protect your family? Find out this Thursday at 3:00PM, when we bring you a live stream discussion with Former CIA and NSA Director, General Michael Hayden and one of America’s top private cyber sleuths, Kevin Mandia . They’ll share a real-world evaluation of threats and solutions, plus tips to keep your military family safe.

Do you have questions for General Hayden or Mr. Mandia? We’ll be asking them! Leave your question in the comment section below.

Tune in to find out how to protect your military family from danger online.

shannonPosted by Shannon Sebastian, Online Engagement Manager