Category Archives: Resources

Navy Chaplains: A Community Dedicated to Building a Sense of Belonging and Fellowship

Predictability, Relationships and Meaning are Principles of Stress Control and Resilience. Chapels are familiar gathering places for many military kids and they can provide a safe place to meet others faced with the similar challenges of household moves and deployed parents. Navy Chaplains are a great family resource because they understand the stressors of military life and know how important community is to building a stronger and more resilient Navy.                                                                                                     (NavyNavStress.com Note)

By Cmdr. William E. Middleton, a Navy chaplain
Military kids serve alongside their uniformed parents and our role as chaplains includes addressing their needs as well.  Our shore based chapels often function as a community center where child focused activities include religious education, rites of baptism and communion, and sacraments from various religious traditions. Chaplains also offer chapel space for Scouting programs, home school groups, Vacation Bible School programs and other community organizations in installations around the world.  For newly transferred families, a military chapel can be a place to start building that important sense of belonging, of community and fellowship.

While our religious services and programs are very important to our service members and their families, the chapel provides a familiar and safe place for kids to connect with other military kids.  As chaplainSailor and family for Chaplain Posts we know how important maintaining contact can be and we help families keep in touch through the United Through Reading.  The program invites all deploying service members to record themselves reading stories to their children and then a DVD is mailed home to the family. Chaplains facilitate this program on ships at sea and coordinate with USO’s around the world, even down range, to maintain this important connection between parent and child.

As chaplains we don’t work alone. If a battalion chaplain is deployed, he or she can reach back to our regimental chaplain for assistance to help a family or child in crisis or a ship’s squadron chaplain can reach back to the shore-based ministry center for help. By connecting families with local resources like the Navy Ombudsmen or Marine Corps Family Readiness Officers, our chaplains serve service members by helping families at home navigate the daily demands of military family life.  Knowing their families are cared for, our deployed Sailors and Marines can focus on the job at hand.

Coming home can be nearly as unsettling as leaving. Preparing the service member for a reunion with their children is another important role for chaplains. Return and Reunion discussions assist service members in preparing for the dramatic transition from the tension and stress of deployments and combat to the routines of family life.  Since chaplains deploy with the units and have served families at home, they understand the challenges of both sides in the reintegration process and can offer guidance to ease the family’s transition.

Finally, the Chaplains Religious Enrichment Development Operation (CREDO) program, the flagship program of the Navy Chaplain Corps, has offered Family Enrichment Retreats and Marriage Enrichment Retreats since 1971.  These specialized retreats are free for service members and families and are designed to build stronger military families, taking into account the unique challenges of deployment and frequent moves during a military career.  These include unique father-son and mother-daughter retreats. CREDO is currently expanding with more sites and facilitators around the globe, including the new site in Naval District Washington that I oversee. To learn more about our retreats, visit http://www.chaplaincare.navy.mil to identify the closest CREDO center in your area. Almost every site also has a Facebook page you can use to register for retreats.

Navy chaplains have answered the call to serve since the beginning of America’s military. They continue to inspire hope, resiliency and foster a sense of community for today’s military members and their families.

About the Author: Cmdr. William E. Middleton, a Navy chaplain is the current CREDO Director for Naval District Washington. He has served in the Navy Chaplain Corps for 18 years. Middleton deployed to Iraq as an individual augmentee in 2008 with the Iraqi Assistance Group, Task Force Tusken.

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Navy Chaplains: Support for Sailors and Families in Uncertain Times

Predictability and Controllability are Principles of Stress Control and Resilience.  We may not know what to expect in these uncertain times, but we can rely on the support of our Navy Chaplains.
                                                                                                    (NavyNavStress.com Note)

In these times of economic uncertainty so much can seem out of our control. From delayed deployments, to extended time at sea, to overseas orders on indefinite hold, to potential furloughs which can impact your child’s schooling and day care routine, it’s important to know who you can count on for support.

Chaplains offer a message of hope to you and your families, and we remain committed to supporting you with dignity, respect, and compassion. We are grateful for the trust you give us – and we regard it as sacred.

When you feel you have nowhere to turn during a personal crisis, or when you’re concerned about command involvement or an impact on your career– you are not alone.

Your chaplain is available 24/7 to provide you confidential support and a safe place to talk, without fear or reservation. Chaplains serve as your advocate to help you get the support you need to overcome the challenges we all face together. 

I encourage you to reach out to your command chaplain today. Don’t know who your nearest chaplain is? Not near a Navy or Marine Corps installation? Call Navy 311 to request chaplain support in your area: 1-855-NAVY-311.

Watch the video – Chaplain support is available 24/7.RADM Tidd

Blog Post by Rear Admiral Mark L. Tidd, Chief of Navy Chaplains

Get Your Financial Bearing by Setting a Budget

Our incomes represent one of the most powerful resources at our disposal. How we manage our finances defines the direction of our lives, and the quality of our work and home experience.

Financial stress is a leading stressor in personal relationships. It can also harm your career.  Financial problems are the number one cause of security clearance headaches.  So it stands to reason that our finances need to be thoughtfully managed.

Budgeting is simply a planned system for allocating your income towards living expenses, debt payments, savings and investments.

Each New Year gives us an opportunity to refocus.   If your goal in 2013 includes prioritizing your finances into a healthy positive resource, there is no better way to start than from the ground up with a budget or spending plan.

Crafting a budget or spending plan that is in true alignment with realistic goals, expectations and what we earn will help us to:

  •  Live within our incomes
  • Realize personal goals
  • Maintain a good credit history
  • Get more for our money
  • Reduce financial stress and arguments
  • Achieve financial competence and confidence
  •  Keep our job and security clearance in tact

Although this list is not exhaustive, it speaks to the issues that are at the heart of financial readiness.

Last week we discussed what was necessary to fill out a spending plan. So how do we go about preparing a spending plan? The right tools and resources at our disposal and start the process with a visit to last week’s posting Declare Your Financial Independence in 2013.

Additionally service members can reaffirm their commitment to personal financial prudence by taking the Saver’s Pledge @ www.militarysaves.org

Find your motivation, keep the course and reap the benefits of financial success!

Websites for Consumers

Consumer Protection
Consumer Financial Protection Bureau: www.cfpb.gov
Better Business Bureau: www.bbb.org
Federal Trade Commission: www.ftc.gov

Financial Information and Counseling
Navy Fleet and Family Support: www.ffsp.navy.mil
Navy-Marine Corps Relief Society: www.nmcrs.org
Military OneSource website: www.militaryonesource.com
Consumer Credit counseling: www.nfcc.org
FINRA Investor Education Foundation: www.saveandinvest.org 

Credit Reporting
Credit Reporting Agencies: www.experian.com, www.transunion.comwww.equifax.com
Free annual credit report: www.annualcreditreport.com  

Online Budgeting Tools
www.fpanet.org/ToolsResources

About the author:
Stacy Livingstone-Hoyte, AFC™ has served at the Fleet & Family Support Center, Millington, TN as a Financial Counselor since Nov 2009. She conducts one-on-one sessions, Command training, group workshops and other efforts designed to meet the “Mission Readiness” goal of the U.S. Armed Forces. Prior to government service she worked as a Financial Services Representative for several brokerage and insurance firms. As a military spouse, Ms Livingstone-Hoyte knows firsthand of the financial challenges and opportunities that face Military families across the globe. To that end, she embraces a steadfast belief that financial success can be simple, just not easy.

 

Declare Financial Independence in 2013

We all have money worries now and then.  But there are ways you and your family can live within your budget and still provide for the future. Financial independence is within your reach if you learn how to make your money work for you.  The first step may be just learning the language, knowing where you are right now and taking advantage of available resources.

The Navy’s 2013 Financial Planning Worksheet is a good practical tool that will help you get started.  Here’s a few of the financial terms that will help you fill it out the worksheet.

  •  Net Worth: Simply put, this is the value of everything you own (assets) less all that you owe (liabilities). Use conservative numbers unless there is a recent appraisal. The resultant figure should be evaluated annually and a worthwhile personal goal is to determine how to increase one’s net worth.
  •  Income: Identify both your gross and net income. Your gross income will be the sum of all compensation. Your net monthly income is your gross income less taxes due.
  •  Living Expenses: Estimate what it costs to live on a monthly basis.  It is important to account for non-recurring items such as holiday spending, birthdays, travel, etc. To do so, start with an annual estimate, then divide by 12 to produce a monthly figure. By doing this you create a way to save for non-recurring monthly expenses in advance so that when the event occurs you already have the savings to put toward that item. A general recommendation is that monthly living expenses should not exceed seventy percent (70%) of net monthly income.
  •  Savings and Investments: Compute what percentage of your monthly net income is used to consistently meet your goals. At least ten percent (10%) of net monthly income should be saved – more depending on lifestyle goals and choices.
  •  Debt Payments: Total your monthly minimum debt payments for credit cards, car loans (non-mortgage items), etc. Dividing this number by your monthly net income will help determine your debt-to-income ratio. Generally, no more than twenty percent (20%) of monthly net income should be attributed to monthly debt payments (not including mortgage). Of course, less debt is better.
  •  Power Payments: You can easily create a practical plan to eliminate all of your debts using the snowball method. With this system, you can choose the option that best fits your goals and abilities. Paying off debts with the highest interest rate is usually the most mathematically advantageous way of eliminating debt. However, paying off the smallest balance first can provide a significant sense of mental and emotional satisfaction and long term motivation. Visit www.powerpay.org and compute your own “debt be gone” plan!

Financial fitness is part of building resilience, mission readiness and happier relationships. As Uniformed service members you have access to free personal financial management resources year round. Speak with your Command Financial Specialist today about becoming financially fit or visit Navy Fleet and Family Support: www.ffsp.navy.mil to start planning your independence.

Next week we’ll look at starting the year out right by setting a budget.

About the author:
Stacy Livingstone-Hoyte, AFC™ has served at the Fleet & Family Support Center, Millington, TN as a Financial Counselor since Nov 2009. She conducts one-on-one sessions, Command training, group workshops and other efforts designed to meet the “Mission Readiness” goal of the U.S. Armed Forces. Prior to government service she worked as a Financial Services Representative for several brokerage and insurance firms. As a military spouse, Ms Livingstone-Hoyte knows firsthand of the financial challenges and opportunities that face Military families across the globe. To that end, she embraces a steadfast belief that financial success can be simple, just not easy.

Making Veteran’s Crisis Line Better: Continuous Process Improvement

Identifying challenges and finding solutions can be a challenge in itself—particularly when it comes to finding ways to better serve our service members and veterans. The Navy’s Operational Stress Control Program and our Suicide Prevention Programs are no different. We are always looking for ways to help you navigate stress.

Countless Sailors and service members have reached out to the Veteran’s Crisis Line for lifesaving help during stress emergencies. They call when life’s challenges become overwhelming, or just to have someone who will listen or help them connect with other resources.

1-800-273-TALK Option 1 was developed by the Veterans Administration and the National Suicide Prevention Lifeline to provide Active Duty and Reserve servicemembers and veterans with tailored and immediate care. It’s a trusted resource promoted by all Navy organizations (including our program). With servicemembers noting recent capacity setbacks, the Veterans Administration has reiterated  its commitment to help our service members in a news release reporting suicide data among veterans. 

“The mental health and well-being of our courageous men and women who have served the nation is the highest priority for VA, and even one suicide is one too many,” Veterans Affairs Secretary Eric K. Shinseki said. “We have more work to do and we will use this data to continue to strengthen our suicide prevention efforts and ensure all veterans receive the care they have earned and deserve.”

With an announced 50% increase in trained staff, the VA hopes to better serve veterans in need by ensuring that all callers receive the attention they deserve.

For 24/7 assistance, call the Veterans’ Crisis Line: 1-800-273-TALK (8255), option 1 or go to www.veteranscrisisline.net