This article discusses the availability of mortgage payment suspension that Freddie Mac and Fannie Mae (Federal Home Loan Mortgage Guarantor agencies. It has to be discussed and requested through your mortgage servicer. Follow the link via NPR.org
Additional information on foreclosure protection during this COVID-19 financial disruption is here.
A Few Good Men, (1992) movie, line uttered by Colonel Jessup (Jack Nicholson)
As a retired Navy Senior Chief, I spent 26 years following orders of those seniors-in-command, whether directly from Commanding Officers as their unit Senior Enlisted Leader, or indirectly, while carrying out my assigned duties, watches, or maintenance tasks during my career. As a civilian, I am trying to follow our State officials, medical experts, and emergency First Responders who have been asking the public to minimize their comings and goings. While the military has both non-judicial punishment and legal proceedings to enforce “social distancing”, in the civilian world, the public is “strongly suggested” to follow State Emergency guidelines for public safety. Some will always decide they know more than public safety officials. As we have seen during hurricanes, people who refuse to evacuate the path of the storm are frequently requiring rescue or hospitalization when disaster strikes.
Tonight, as I contemplate that the Governor of California has issued a Statewide mandate to limit public contact by restricting gatherings and use of public venues even further than two weeks ago, I think how an old veteran can be a model for others. It is the eleventh hour, and our political representatives have finally stopped fighting among themselves, and are seeking to do what is best for our citizens. Given the example of places like Italy which has been overwhelmed by the number of critically ill, we have only days till the numbers of the ill exponentially exceed our response. This thought about the eleventh hour, reminded me of the orders I learned in bootcamp forty years ago:
Eleven General Orders of a sentry
To take charge of this post and all government property in view.
To walk my post in a military manner, keeping always on the alert, and observing everything that takes place within sight or hearing.
To report all violations of orders I am instructed to enforce.
To repeat all calls from posts more distant from the guard house than my own.
To quit my post only when properly relieved.
To receive, obey and pass on to the sentry who relieves me, all orders from the Commanding Officer, Command Duty Officer, Officer of the Deck, and Officers and Petty Officers of the Watch only.
To talk to no one except in the line of duty.
To give the alarm in case of fire or disorder.
To call the Officer of the Deck in any case not covered by instructions.
To salute all officers and all colors and standards not cased.
To be especially watchful at night, and, during the time for challenging, to challenge all persons on or near my post and to allow no one to pass without proper authority.
I have not practiced military drills in the ten years since retirement. I might leave the heavy lifting to younger service members. But I am observant as to what has been lacking in the years, months and recent weeks leading up to the coronavirus response within the United States. Clear direction, unified communications, and orderly process. Precision and calm, measured response to emergencies requires frequent practice. That is what our shipboard drills honed into us, Collisions at sea and terrorist attacks are not the time to practice. In the eleventh hour, the nation needs to heed the “best practices” to minimizing the casualties from this pandemic.
An article in Forbes online suggests that reduction in the percentage of Adjusted Gross Income, for medical expenses to be deductible, should be reason for many taxpayers to keep better records going forward. Read more about the deductible Medical expenses and income taxes here.
Many I know are outraged or at least mock the new United States military branch, the Space Force. But hang on a minute. Nobody even knows what the charter of this new branch is, or who and what capabilities the “force” will require. But once humans venturing into space number in the several hundred and then thousands, some military discipline may be needed.
While humans have been going into space for sixty years, it has primarily been the United States or the Russians. The International Space Station is still primarily a venture between several nations. And recently the Chinese indicated they will venture to the Moon. It has only been in the last ten years or so, that commercial exploration and development of space has been moving from science fiction into something people now living will see. (If we do not kill ourselves from a pandemic first.)
In popular culture, for more than forty years, various incarnations of a futurist “space force”, Star Trek, and blockbuster movies about space forces – rebels versus a militarist empire (Star Wars) – have captured the world’s imagination. If you have heard or become a fan of the television series, The Expanse, now filming its 5th season, you should be at least curious how life is imitating art. Without giving plot twists and turns away for those who have not seen this series, the premise of this show begins with an alien technology discovered and then manipulated by corrupt industrialists, politicians and military leaders. As the different plots are developed, it is apparent that the future is a lot like our present.
Forgetting for a moment about alien technology, impending death, romance, betrayal, and deceit, what has motivated me to support the real-life introduction of a “Space Force” is a historical perspective. When mankind set off in sailing vessels, like the Minoans in the Mediterranean five to six thousand years ago, or the Polynesians who ventured across the Pacific to the Hawaiian Islands a thousand years ago, or to South America as some suggest, in each society, military forces developed. When the Greeks, Ottomans, Spanish, French, and British, started venturing in search of trade, territorial expansion, and so forth, fishermen and merchants were not the sole adventurers. Military forces were also there, to protect the culture’s interests.
While people may still mock the introduction of a Space Force, the militarization of space has been unavoidable. This has been a logical step since science fiction first dreamed about living on other worlds. With human motivations ranging from curiosity to power lust, an altruistic policing of space is fantasy. Missile-launched nuclear weapons are in numerous arsenals. And once someone – a terrorist, a corrupt politician, or a loose alliance of rogue “Belters” have achieved an advantage in space, who will have the resources – and the quick-response positioning to protect individual, scientific or commercial enterprise?
Thoughts and prayers to comfort the grieving and hurting members of the U.S. Navy family, residents of Pensacola, and the nation are needed today. A terrorist opened fire at the Naval Air Station, Pensacola, Florida on Friday, 6 December, killing four and wounding many. The killer was dispatched.
Apparently, the deceased was a Saudi national receiving pilot training. And a terrorist. As part of international alliances, agreement, and cooperation between militaries, the United States placed trust in the government of Saudi Arabia that their personnel were their “best”. That trust was betrayed today. At the cradle of Naval aviation, and in a part of the country I know well from years spent during my Navy career. The responding Sheriff’s deputies, Naval security forces, and military personnel acted admirably, and were wounded in the process of saving many lives today. May they receive the care and healing that our best can provide.
There will be another time to process this barbarity. And my hope for America and all those who oppose acts of savage barbarism, is that we can find that Love covers over a multitude of sins. Hatred has no defining color or nationality, religion or language, but it festers many places under the guise of “tolerance”. For today and perhaps tomorrow, let us cease being divisive about religion, politics, social status, whether rich or poor, and let us honor the victims, grieve with the families and be united in purpose.
I, (NAME), do solemnly swear (or affirm) that I will support and defend the Constitution of the United States against all enemies, foreign and domestic; that I will bear true faith and allegiance to the same; and that I will obey the orders of the President of the United States and the orders of the officers appointed over me, according to regulations and the Uniform Code of Military Justice. So help me God.
Oath of Enlistment (1960), US Code Title 10, Sect 502
The military oath of enlistment began what might well be my longest relationship. It’s how I identified myself for years. Who am I? I’m a Sailor. My service in the military was less of what I did, and more of who I was. I spent a total of 26 years in a Navy uniform, in stages between 1977 and 2010. I enlisted while in high school and, after graduation, went to bootcamp in San Diego. I traveled the world and eventually ended up back in San Diego which is, apparently, where God wanted me.
support and defend
The first half of my military career, which encompassed the first twenty years of my adulthood, were spent fighting for recognition, and getting frustrated when I didn’t seem to get any. I had many brushes with greatness that never seemed to pan out: a Congressional nomination to the Naval Academy in the last year of my first enlistment but had some medical issues that disqualified me. Ten years later, enlisting after a break in service, I initially qualified for enrollment to the Defense Intelligence College but they never enrolled a junior enlisted man before. And nearly ten years later, I was THIRD FLEET Sailor Of the Year (SOY) (1997) but I didn’t make the Selection Board for Chief.
Looking back at those days, I was working overtime on me, for me, and making it about me. Selfish, self-centered, and trying to compensate for growing up in a dysfunctional family. I poured myself into working hard and being a people-pleaser. I was becoming a very negative person, with my personal life full of problems. I lost touch with my family. I rushed into a marriage that quickly ended in divorce. Spending money foolishly, I was bored, very unhappy and very lonely.
true faith and allegiance
Over the years, people had been inviting me to church and I kept saying no, or saying yes, but then not going. But things changed in 1997. I was invited to church by not only one of the guys on my ship, but also from a couple of singles on a date at a coffee house. Within a few months I studied the Bible and was baptized at an afternoon devotional service for church members across the San Diego region, much to the surprise of my shipmate. The day I got baptized, he came up to say, “What do you think I’ve been inviting you to all this time!”
Suddenly, life had more meaning. It wasn’t just about me anymore. It was about finding a gratitude for what I’d been given. God surrounded me with great examples of Godly men to help me live for something besides just myself. I was able to connect to the gift of Jesus’ sacrifice and realize how much more there was to life, when I was able to look beyond myself.
My career in the Navy took off and I was picked up for Chief and then Senior Chief. I was a better leader because of being a disciple of Jesus. I listened to, and applied, the advice of Godly men, of military mentors, and friends who told me the truth. I was able to meet the needs of my unit because I could actually see the needs of my unit, not just my own needs. Jesus gave the ultimate example of giving it all for others. The gratitude that I felt for that gift made it easier to give of myself to those around me that needed help. It continues to motivate me to this day.
Life changed dramatically after I was baptized. The woman from that coffee house date who shared Jesus with me became my wife. I took on three unruly preteen boys, a task I never would have been up to without God. I completed my Navy career in 2010. And I recently left my civilian job to work alongside my wife.
Therefore, since we have been justified through faith, we[a] have peace with God through our Lord Jesus Christ, 2 through whom we have gained access by faith into this grace in which we now stand. And we boast in the hope of the glory of God.
Romans 5: 1 -2 (NIV)
This scripture in ROMANS, speaks to me as a veteran as I do not have to live for recognition, but model Jesus for others. It’s the same basic system as the military, in modeling servant-leadership to others and helping them rise to their potential. As a disciple of Jesus, it is helping others to become better service members, employees, better husbands, wives, fathers, mothers or children, and better people by being more like the example of JESUS.
so help me God
Being a Veteran is still a large part of who I am. I’m proud of my military service and everything I learned in the Navy. I’m grateful, however, that God found me while I was still in the service. The military gave me opportunity. Jesus gave me the example of selfless service. God gave me the gift of bringing both of those things together to enable me to have a great second half of my military career.
Click here to watch/listen to veterans of the Gulf War, combat in Afghanistan and Iraq, and a military spouse share about challenges during deployment and offer encouragement during our Veterans Day service. Ed. note: there was some recording noise that periodically interferes with the YouTube video quality.
Please accept my resignation. I don’t care to belong to any club that will have me as a member.
I am pretty fortunate to live in my neighborhood. We may have different ideas about American priorities in foreign relations, policies, or social issues and can respectfully disagree without hating one another. We still hold to the principles that America is a pretty good country and its system of governing.
Many here are military veterans, and others are on Active Duty or have kids that serve or served in the military. Retired and working Union members, carpenters, welders, businessmen and teachers. Here you are likely to see far more “Trump”, “Don’t Tread on Me” and American flags visible than “Coexistence” bumper stickers. But it doesn’t mean “white nationalism”, racism, or bigotry lives here, but it identifies a multi-cultural, (immigrant and native-born), multi-ethnic neighborhood, that respects certain values and rejects much of the change politicians have brought about. Here is a pretty safe neighborhood compared to a half-mile farther south where the incorporated city begins. (Lighted municipal signs there warn residents to lock their vehicles and not keep valuables in view, though politicians brand it a “sanctuary” community.)
All our children grew up with kids coming from other parts of the county to join in Trick or Treating (Halloween). Ours made some pocket change selling hot chocolate to visitors enjoying our “Christmas Lane” lights. Boys played together while grownups held “Survivor” television night parties. All supported school athletics and Little League. We still buy candy bars from the high school student athletes going door-to-door. We chat with the postal carrier and garbage truck driver. Neighbors share tools and trash cans, bring vegetables and fruit from our gardens, watch out for each other, and may enjoy a beer and a football watch party together now and again.
Let every nation know, whether it wishes us well or ill, that we shall pay any price, bear any burden, meet any hardship, support any friend, oppose any foe to assure the survival and the success of liberty. – John F Kennedy
Today is the eighteenth anniversary of the sneak attack on the United States of America, that resulted in the murder of thousands of men, women, and children. On that day we, as a nation, and the world first learned that a death-cult comprised of fanatical Muslims would use commercial airliners to bring down a symbol of American enterprise, the towers of the World Trade Center, and a kamikaze strike into the Pentagon in Washington, D.C. This was also the first time our enemies would learn that American civilians aboard another flying would-be weapon, would willingly and aggressively fight these fanatics, to bring down the aircraft before reaching its target.
The stories of bravery, from these men and women, from members of the New York Fire Department, Police Officers, and civilians and victims in this tragic series of attacks is well-known. We also remember the hundreds of men and women who have suffered life-threatening illnesses from combing through all that poisonous debris – to find, identify, and bury their fellow citizens murdered on that horrible morning.
What Americans should do on this anniversary is to tell our elected representatives that we will no longer tolerate disrespect for our institutions, the purchase of loyalties from non-citizens at the expense of citizens, or the rewriting of history. Further, we oppose the diminishing of American accomplishments, disobedience to the Constitutional-granted powers and laws, and the blatantly self-seeking and pandering politicians. We should instead honor our dead. Support our veterans who, over eighteen years of conflict have suffered and lost. Be proud of our history and our institutions. And fly our national ensign proudly so the living will never forget.
Warriors throughout world history were sent off to war with trumpets, drums, celebrations or religious ceremonies. And over those thousands of years, young men and women were victors or the vanquished. Celebrated as heroes, or corpses left behind in distant lands. Where there are records, including Chinese and Aztec tombs, ancient Akkadian tablets, Homeric Greek dramas, Roman histories, and Biblical scrolls, men and women went into battle blessed by the gods of one side or the other.
“The victims of PTSD often feel morally tainted by their experiences, unable to recover confidence in their own goodness, trapped in a sort of spiritual solitary confinement, looking back at the rest of the world from beyond the barrier of what happened. They find themselves unable to communicate their condition to those who remained at home, resenting civilians for their blind innocence. David Brooks
The Moral Injury, New York Times. Feb 17, 2015″ , via goodreads.com
War has always been brutal. Long before “civilized” conduct of war, if there is such a thing, treatment of enemy prisoners, women and children was often slavery or death. Even in the Twenty-First Century, we learn of kidnapping, abuse, and sexual slavery still being committed throughout the world. How many victims were emotionally scarred? How many returning warriors over the millennia were affected by such brutality?
While histories do not record the struggles of the victims of war, and we cannot help the long ago dead, we know that, in America alone, some 22 veterans a day commit suicide. Alcohol and substance abuse, reckless behaviors, and firearms, all contribute to someone with Post Traumatic Stress Disorder killing themselves.
War demands sacrifice of the people. It gives only suffering in return. – Frederic Clemson Howe
Where does the isolation begin? People do not know their neighbors, and do not develop real, vulnerable, honest friendships with one another. Governments which send young people to war, have only overwhelmed or emotionally-detached bureaucrats who quickly “treat” veterans and then move to the next sufferer. Communities develop a NIMBY (Not In My Backyard) reflex to homelessness and addiction, and many expect veterans to simply ‘get over it’. Societies do not have a “moral” center anymore. Mass media incessantly blare stories of anger, outrage, frustration, violence, and political blame-gaming. Media sensationalizes suffering; bickering within communities has created more isolation. in such a state, people do not recognize a potential suicide victim’s quiet withdrawal – even within their own household.
While everyone seems to have an opinion about the easy access to firearms in America, the easy access to prescription drugs, as well as methamphetamine, heroin, and the most misused though legal drug, alcohol, is no less a societal problem. When liquor store owners knowingly provide booze to alcoholics, on credit, because they know their customer receives State aid and will be paid – they knowingly contribute to that person’s death – or some innocent’s death or injury along the way. That is a problem society should address with equal outrage as to those with firearms.
A first step? Let us as people stop dividing ourselves into “us” and “them”. With that first step, we can then work on empathy. Personal responsibility. And action.
Never think that war, no matter how necessary, nor how justified, is not a crime. – Ernest Hemingway
Any seasoned veteran of the U.S. military who has served overseas, dealt with foreign military allies, patrolled in a war zone, had liberty in many regions where English was not well-understood, or stationed at a U.S. military installation in a foreign country, understands many of the benefits and shortcomings of “Home” better than most.
The reason many 16- to 29- year olds in the United States today embrace “socialism” is due to their ignorance. Without long personal experience of the more mundane aspects of Government bureaucracy, they have only what they were taught and limited exposure. These might be obtaining a driver’s license at the Department of Motor Vehicles, and perhaps a simplified annual income tax filing. Young military members (especially those who marry early in their careers) are exposed to misfiled paperwork, outdated computer systems, confusing terms, differing support for ‘sponsors’ and ‘dependents’, procedures, and the overwhelmed administrative staff inherent in large bureaucracies. Utopians talk of modeling Swedish-style and European Union socialism – without really understanding the development, successes, drawbacks, and requirements. Ignorantly, many promote Government as the best delivery of human needs and wants when they haven’t yet experienced much of what is already under Government administration.
Big Government inefficiency is evident in every aspect of Government-provided services: obtaining vehicle registration and drivers’ licensing; real property titles and building permits; and in family trusts, wills and probate court filings. The limited experience of many, influence the mis-characterized belief that Government harass racially-targeted innocents (police maintain order and enforce laws), disenfranchise non-citizens and “formerly incarcerated” persons (per local, State, or Federal statutes), or limit the living standards achievable to low- or unskilled labor due to “unregulated” employers’ wages and benefit plans.
For others, Government should be reformed to accommodate cultural and social practices of the day, from gender, sex, race, citizenship, language, culture and criminal or civil conviction and incarceration. Policies are very slow to change, requiring many years to make minor improvements. Away from politics and media ballyhoo, Bureaucracy is what the governed are directly affected by and not politicians. Five ordinary examples of Government bureaucracy as it exists today should give some pause to embrace further Government control:
Probate: an old woman dies without a “valid” Will. With negligible assets and few bills, selling a home should be a simple affair. But Probate is not simple and not inexpensive. The State Court system is a labyrinth of procedures and calendar entries; an inexperienced layman is doomed to failure.
A stolen vehicle is recovered, and one seized for a traffic or criminal violation, are towed away. The towing company applies towing charges, and daily storage fees payable by the registered owner, but requires owner identification and registration validation before releasing the vehicle. When the vehicle owner has lost cash, debit and credit cards, or misplaced a state-issued identification, it becomes a Catch-22 where the vehicle cannot be released to the owner until valid ID is presented and payment made. Until such time as ID can be presented, storage fees continue to accrue. Sometimes, the value of the impounded vehicle when sought is less than the accrued fees.
A person with an employer health plan, pays biweekly insurance premiums. In an “emergency”, he visits an in-network hospital Emergency Room for a major health issue. Though the State mandates many “guest” workers, the unemployed, and under-26 year old adults have healthcare, paid by a legal resident taxpayer, the suffering taxpayer waits in line with all the rest who still primarily use ER services (they cannot be turned away legally).
A sixty-year old home requires upkeep. A forty-year old, improperly built “retaining” wall collapsed. The solution? Start excavation and proper reinforcement of a new wall in the same location. A homeowner’s decision to follow county regulations: permit, payment of fees, submission of plans and wait for inspections were far more onerous than expected. After project completion an added bonus: An unexpected (higher) property re-valuation and corresponding property tax increase issued by the County.
Transportation infrastructure: the Government is authorized by its citizens to maintain and upgrade. While citizens continue to pay higher fuel taxes, fees, and other taxes and fees to pay for maintenance, the Government executes over four to five years, a 25-year old improvement plan which then fails to meet the needs of the community. Bureaucrats and politicians redirect new transportation funds into special projects that overrun budgets by billions. Many of these pet projects are public transit measures that lobbyists favor but 2 percent will ever actually use.
the reason the Soviet newspapers, Izvestia and Pravda, were always sold out was not due to the news content. Toilet paper was chronically limited throughout the country.
interview with a resident of the former Soviet Union (1983)
But the merits of employment, housing, public transit, and basic health care in a so-called Socialist system do not justify an even more complex and inefficient bureaucracy than that which presently exists. Limiting the choices available for services to that provided by State-approved operators only, resulting delays, greatly simplified care, and regulation will disappoint everyone.
The second person to set foot on the Moon, “Buzz” Aldrin, is a living icon. The late Neil Armstrong and the Command Module pilot, Michael Collins are the other two legends of Apollo 11, whose feat of landing on and returning safely from, the Moon are celebrated today. Had it not been for a clear challenge, originating between two competing ideologies, the “West” and the Soviet Union – which first successfully put a man into space, the technology we take for granted would have come around a lot later. Generation X, Millennials, and Generation Z have cell phones, cable television, and solar panels today, due, in part, to the science that sent mankind into Space, filtered down to the rest of us. The motivation for Governments may have been political, but undeniably, people are dreamers, builders and adventurers, too. Mankind advanced from stone tools to building the first flying machines in 100,000 years. From barely leaving the ground to launching orbiting satellites: less than sixty years. And from orbiting rudimentary satellites to putting people on the surface of another world and returning them, safely, in less than ten. And in the last half-century? We should be. in Star Trek parlance, “beam me up. Scotty!” by now.
When a human being first set foot on the Moon fifty years ago today, I was five days short of ten years old. When I ask my children today what they scientific achievements remember from the time when they were ten, space flight is not among their first memories. Movies and television, created with the technology inspired by the science and engineering of the Space Program, they recall.
Star Trek, Star Wars, and a host of other fascinating stories involving travel to other stars have filled the human imagination with possibilities. But the first grainy images on a television set of Neil Armstrong and “Buzz” Aldrin setting foot on the Moon, was the reality that people working together, around the globe, could achieve impossible dreams. We are starting to finally see private enterprise invest in next-step ventures. We have man-made objects moving through interstellar space. In the last half-century the amazing feat of people living and working in orbit, the probes that visit distant asteroids or Pluto or travel in interstellar space have garnered less attention than someone’s latest inappropriate Tweet.
We need a challenge to unite millions to travel into a new Frontier. It is time to send adventurers, dreamers, and builders out again. In the rallying cry of that Disney character, Buzz Lightyear, in the Toy Story movies,
This evening I was almost carried away by a good-natured heart. After preparing dinner of grilled, fresh-caught fish my buddy shared with us, the dogs started to bark at the front door. A very tall young man with a big smile, wearing “Save the Children” attire was standing there. I went out to greet him. We get waves of door-knockers in summer, from the Jehovah Witnesses to the local high school footballer fund-raisers. As i knew he wanted a donation- everybody’s heard of this charity- I was willing to step outside.
Charity is a good thing. We believe in and support tithing to God through my church. We support a few nationally and internationally-active organizations. But as nice and hardworking as these young “Save” people are going door-to-door, to only allow donors to sign up for automatically-deducted, monthly, quarterly, or annual ‘suggested’ donations “you can cancel anytime” – set my “DECLINE” meter off. As fancy as their Ipad app is, I hesitated after he took my address and email information at the financial selections.
I do not feel any less charitable however, as i believe giving of your time, talent or finances to worthwhile causes often comes back to you in many positive ways. But we have to be prudent as well as generous. As for “Save the Children”, some complain that their generosity was taken advantage of. I have dealt with businesses where it takes more diligence and temerity to cancel a subscription than it ought.
As for the social media, “Save” seems to be fairly adept at this as well. Not five minutes after I finished my supper, and went to opine in this blog, Facebook was already showing me ads for “Save The Children” in my Feed!
I will probably look to see whether I can make a one-time donation through the web. I will still welcome young people who knock on doors. But my advice is to help children give to your church. Or to your community center. Or give to a local hospital.