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Financial Focus: What goes into a retirement ‘paycheck’? - VOM Magazine - Delaware
26 Apr
0

Financial Focus: What goes into a retirement ‘paycheck’?

This article was written by Edward Jones for us by your local Edward Jones Financial Advisor, Tyler Simonds. Edward Jones, Member SIPC. You can reach Tyler at 410-398-4214

During your working years, you generally know how much money you’re bringing in, so you can budget accordingly. But once you’re retired, it’s a different story. With some diligence, you can put together a “paycheck” that can help you meet your income needs.

Where will this paycheck come from? Social Security benefits should replace about 40% of one’s pre-retirement earnings, according to the Social Security Administration, but this figure varies widely based on an individual’s circumstances.

Typically, the higher your income before you retire, the lower the percentage will be replaced by Social Security. Private pensions have become much rarer in recent decades, though you might receive one if you worked for a government agency or a large company. But in any case, to fill out your retirement paycheck, you may need to draw heavily on your investment portfolio.

Your portfolio can provide you with income in these ways:

  • Dividends: When you were working, and you didn’t have to depend on your portfolio for income to the extent you will when you’re retired, you may have reinvested the dividends you received from stocks and stock-based mutual funds, increasing the number of shares you own in these investments. And that was a good move, because increased share ownership is a great way to help build wealth. But once you’re retired, you may need to start accepting the dividends to boost your cash flow.
  • Interest payments: The interest payments from bonds and other fixed-income investments, such as certificates of deposit (CDs), can also add to your retirement income. In the years immediately preceding their retirement, some investors increase the presence of these interest-paying investments in their portfolio. (But even during retirement, you’ll need some growth potential in your investments to help keep you ahead of inflation).
  • Proceeds from selling investments: While you will likely need to begin selling investments once you’re retired, you’ll need to be careful not to liquidate your portfolio too quickly. How much can you sell each year? The answer depends on several factors — your age, the size of your portfolio, the amount of income you receive from other sources, your spouse’s income, your retirement lifestyle, and so on.

A financial professional can help you determine the amount and type of investment sales that are appropriate for your needs while considering the needs of your portfolio over your lifetime.
When tapping into your investments as part of your retirement paycheck, you’ll also want to pay special attention to the amount of cash in your portfolio. It’s a good idea to have enough cash available to cover a year’s worth of your living expenses, even after accounting for other sources of income, such as Social Security or pensions. In addition, you may want to set aside sufficient cash for emergencies. Not only will these cash cushions help you with the cost of living and unexpected costs, but they might also enable you to avoid digging deeper into your long-term investments than you might like.

You may be retired for a long time — so take the steps necessary to build a consistent retirement paycheck.

Read more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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Female Veteran of the Quarter - SGT Veronica Palomino - VOM Magazine - Delaware
19 Apr
0

Female Veteran of the Quarter – SGT Veronica Palomino

This article is written by and features SGT Veronica Palomino

SGT. Veronica Palomino, is a native of Somerset, New Jersey, and graduate of Mother Seton Regional High School in Clark, New Jersey, who now resides in Smyrna, DE. Veronica served in the United States Air Force on active duty from 1982-1987 as a Non-Commissioned Officer, at the Consolidated Base Personnel Office (CBPO). She graduated basic training at Lackland AFB in Texas, where her Training Instructor made her PT monitor because of her demonstrated athleticism in weightlifting, tennis, and softball in high school. She received her Basic Training and Marksmanship ribbon before going to Keesler, AFB in Mississippi for Technical School to become a Personnel Specialist.

Following Technical School, Veronica was stationed at Holloman AFB, New Mexico, where she was promoted to the USAF Honor Guard to provide services over Military Burial in honor of fallen military personnel. Next, in her second duty station, she was assigned to 7275 Tactical Air Command, San Vito Air Station, Italy, as a Personnel Specialist. While there she was promoted to Personnel NCO at the Civil Engineering Squadron. She also competed as a lightweight natural bodybuilder, in Ramstein Germany where she placed in the top 2 female military bodybuilders.

While on Active Duty, Veronica went through and completed CEU educational courses in NCO Trainer, Spoken Italian, Personnel and several other courses through Embry-Riddle Aeronautical University, and Community College of the Air Force, CCAF. Completing these courses contributed to the completion of two degrees – an Associate of Arts as well as a Bachelor of Science – in Business Administration.

In 1987 upon leaving active duty military service, Veronica immediately joined the Commonwealth of Virginia, Department of Military Affairs as a 2nd Lt. Public Affairs Officer (PAO) with the Lafayette Brigade, in Norfolk, VA. Next, in 2005, she served as a Civilian Logistics and Supply Officer for the Department of Navy, Marine Corps Community Service (MCCS) before relocating to Florida.

In 2009, the next stop in her civilian career was at the VITAS Healthcare Veterans Liaison where Veronica continued to provide final salutes to dying Veterans. In this role, those salutes were bedside. Her care and compassion for dying veterans has been, and will always be, a hallmark of her career.

Concurrently with her civilian career, after 20 years of serving the Military and Veterans, in 2018 Veronica became first women (and women of color) to be appointed as Commander of the Disabled American Veteran (DAV) Chapter # 73, Ft. Lauderdale, Florida, a position which she held through 2019. As a result of her selfless service, Veronica was awarded the Governor’s Veteran Service Award.

Veronica’s service to the veteran community did not end there. She also volunteered her time and expertise with:

  1. Area 14 Employment Support of the Guard and Reserve (ESGR) as a Military Outreach Coordinator;
  2. The Broward County Commissioners, as a member of the Advisory Board for Individuals with Disabilities (ABID);
  3. Affordable Housing Advisory Board to represent Veterans (AHAB); and,
  4. As the first Appointed Board Member from the United Way of Broward County, Mission United when it was first established.

Because of Veronica’s overwhelming dedication to her Veteran community, she was asked by the Department of Veteran Affairs, Women’s History, to serve on the Women Veterans: Her Story is our History nationwide posters featured in every VA Hospital across the nation representing the state of New York. Veronica returned to Delaware in 2020 to be closer to family and friends. In 2021, while working as a Human Resources Specialist at Eagle Group located in Clayton, Delaware, Veronica was the guiding force in helping her company receive the Employer Support Guard and Reserve (ESGR) U.S. Department of Defense National Employer as well as the U.S. Department of Commerce Gold Medallion Award.

Veronica currently works at Zip Code Wilmington in Wilmington, Delaware, as the Alumni Volunteer Liaison. She continues to spread the word to transitioning Military and Veterans about community support, namely the VA’s Veterans Technology Education (VET TEC) scholarship and housing assistance program which supports veterans attending the nonprofit company’s 12-week courses in Software Development or Data Engineering & Analytics.

So keep your eyes out for Veronica Palomino, USAF Veteran! I am sure you have not heard the last from her and the remarkable work that she will do for the First State’s Veteran community.

Read more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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Fostering Gratitude - VOM Magazine - Delaware
12 Apr
0

FosteringGratitude

Dee Jones - Light 2 World, Inc.

Dee Jones – Light 2 World, Inc.

Article by by Dee Jones, President of Light 2 World, Inc

“Mommy, I want that new bike. Daddy get me a new skateboard. I want to take Karate. Get me pizza for dinner. I want new clothes. Get me a bigger room. I need a cell phone,” says your 3-year-old. The list goes on without even a “thank you” for anything! As we raise our young boys and girls, it becomes more obvious that “Gratitude” is not a priority.

Children who deal with hyperactivity and other behavioral challenges struggle with such attributes as compassion, empathy, and love for others. I noticed even with a speech delay until the age of 2 years old, that such emotions would be difficult. Many of us struggle with such positive behaviors. Yet, there is hope!

Author Doreen Franklin states “that taking advantage of everyday teachable moments is a start.” Children watch everything we do; so, if they observe us using “grateful behaviors” some of this should rub off eventually. I am finding more and more moments with our little one as I hear him say “thank you” and more please”. This thrills my heart. We all are a work in progress! Stories and visual animation are useful tool as well.

Below are a few ideas from my own experience and writer Franklin:

  • Prayer for a new day, meals, family.
  • Stories of seasons for Thanksgiving, Christmas, Easter, Birthdays that surround thanks and gratitude.
  • Share appreciation for others – compliments.
  • Compliment your child’s efforts of gratitude no matter how small.
  • Caring for a pet part-time or full time.
  • Donations of money, gifts, outgrown clothes, and time (volunteering) to those in need – giving helps foster gratitude in what we have.
  • Gratitude walks – appreciating the world around us in your neighborhood.
  • Creating a gratitude jar – writing down anything that happens or comes to mind.
  • Showing gratitude through gift-giving to others such as small gifts of appreciation to the, teachers, school bus drivers, cashier, waitress, or sales assistant.
  • Writing thank you cards – not just for presents – also for actions.
  • Saying please and thank you – appreciating everyone through good manners.
  • Gain support from family, friends, church groups or a support group.
  • Provide time for games, playdates with family, and other children to promote sharing, taking turns, and social engagement.
  • Be patient and pray together about gratitude.

Fostering Gratitude - VOM Magazine - DelawareI can say that we are seeing the fruit of our labor as our young one shows small signs of progress such as involving us in his play. Instead of ignoring us, he asks if we would like to pick a toy to play with. This is huge because some children with behavioral challenges do not engage in play with others (parallel play). Parallel play is “form of play in which a child plays independently in the presence of other children.

For us, this is changing to engagement with others in small steps. Sports and church groups can foster this but, be patient. We celebrate even the smallest attempts. Do not give up. Keep the faith. Continue to model what you want to see in your young one. Do not push too hard. Involve others in your journey and celebrate small wins! Be thankful and full of gratitude.

Light 2 World Inc.

Dee Jones, President
1013 Beards Hill Road Suite M #237
Aberdeen, MD 21001
410-459-5060
www.DeeJones.org
www.DeeJones1.wordpress.com
www.Facebook.com/DeeJonesMinistry

Resources:

www.dictionary.com/browse/parallel-play
www.parentingspecialneeds.org/article/teaching-gratitude-how-to-teach-your-child-thankfulness/

Oasis Church
2200 Glasgow Avenue, Newark, DE
www.OasisDE.org

Read more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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Real Estate Do’s & Dont’s - VOM Magazine - Delaware
05 Apr
0

Real Estate Do’s & Dont’s

An article by An Article by Evette Morrow, Real Estate Agent at Elm Properties

Welcome to the wacky and wonderful world of Real Estate! As a Delaware real estate agent, I’ve seen it all – from homes with secret passageways to apartments that are literally a shoebox. And let me tell you, there are some things you should do, and others things you definitely shouldn’t do when it comes to selling your property. So, without further ado, here are my top 10 do’s and don’ts for property owners looking to sell their home:

The Do’s:

  1. Do make your home look presentable: No one wants to buy a house that looks like a tornado went through it. Clean up, declutter, and make your home look as inviting as possible.
  2. Do price your home realistically: Your home may be your castle, but it’s not worth a king’s ransom. Make sure you price it fairly based on market value, condition, and location.
  3. Do highlight the best features of your home: Got a beautiful fireplace or a stunning view? Make sure you highlight these features when you’re showing your home to potential buyers.
  4. Do be flexible with showings: Buyers have busy schedules, so try to be as flexible as possible to show your home.
  5. Do listen to your real estate agent’s advice: Your real estate agent has seen it all, so take their advice seriously. They know what works and what doesn’t when it comes to selling homes.
  6. Do make necessary repairs: No one wants to buy a home that’s falling apart. Fix any obvious issues before putting your home on the market.
  7. Do market your home effectively: From online listings to open houses, make sure you’re marketing your home in the most effective way possible.
  8. Do be patient: Selling a home takes time, so don’t get discouraged if it doesn’t happen overnight.
  9. Do negotiate in good faith: Negotiating is part of the selling process, so be open to offers and negotiate in good faith.
  10. Do hire an experienced real estate brokerage: Like ELM Properties! An experienced brokerage can guide you through the selling process and help you get the best possible price for your home.

And Now, The Dont’s:

  1. Don’t be present during showings: Potential buyers want to envision themselves living in your home, not feel like they’re intruding on your personal space.
  2. Don’t overprice your home: You may love your home, but that doesn’t mean it’s worth a million dollars. Price it fairly or risk having it sit on the market for months.
  3. Don’t neglect curb appeal: Your home’s exterior is the first thing potential buyers will see, so make sure it looks inviting and well-maintained.
  4. Don’t make major renovations: While it’s important to make necessary repairs, major renovations may not provide a return on investment.
  5. Don’t be too emotional: Selling a home can be an emotional process, but try to keep your emotions in check during negotiations.
  6. Don’t hide defects: Be upfront about any defects in your home. Trying to hide them will only come back to bite you later.
  7. Don’t be inflexible with your schedule: Buyers have busy schedules too, so try to be as accommodating as possible when it comes to showings.
  8. Don’t skip the professional photos: In today’s digital age, professional photos can make all the difference when it comes to attracting potential buyers.
  9. Don’t forget to declutter: A cluttered home can be a turnoff for buyers. Make sure your home is clean and clutter-free before showings.
  10. Don’t ignore feedback: If multiple potential buyers mention the same issue, take it seriously and address it if possible.

And there you have it. ContactELM Properties for a free property valuation! ELMProperties.net

Read more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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Male Veteran of the Quarter - Richard L. Keating - VOM Magazine - Delaware
29 Mar
0

Male Veteran of the Quarter – Richard L. Keating

This article is written by and features Richard L. Keating

As with any military story we start off with ‘There I was’… it was 1988 and I was three years into my dream job as a computer programmer at Chase Manhattan bank. I had spent 5 years of night school at Delaware Tech (in Wilmington) preparing for my dream job and now that I had it, I wanted nothing more than to bail out and forget all about it.

It was a summers afternoon, and I was in the break/visual relief area of the 13th floor of the Chase building staring out over the city skyline contemplating my bleak future sitting in a cubicle. One of my coworkers entered the room and proceeded to the vending machines. He was an older gentleman and I had worked with him on a few projects and found him to be an excellent analyst but knew little about him personally.

He always seemed at ease and projected an air of confidence. I couldn’t contain myself and asked him how he was able to spend a career sitting in an office cubicle without losing his mind. He eyed me for a moment and with a slight smile told be of his first career a submarine commander in the Navy. Like a slap it reminded me of my earlier dreams of joining the Navy and seeing the world before family and career took precedence.

We talked and I told him my bygone dream of joining the Navy. That’s when he asked me if I had ever thought of joining the Naval Reserve. I had never heard of the reserve and now the thought and the possibilities were intriguing.

Within days I had contacted the nearest reserve recruiter and scheduled an appointment. After vetting me against criminal databases and verifying my identity I was scheduled for the ASVAB. For those unfamiliar with the term is stands for Armed Services Vocational Aptitude Battery. No stress but the better you score on the ASVAB the more job possibilities you qualify for.

I took the test at the Philadelphia Military Entrance Processing Station (MEPS), my score qualified me for all but the SEAL and Nuke programs as these required a 5-year active-duty commitment. This left a lot of jobs or Rates as they are called in the Navy to choose from. The recruiter strived to assist me in choosing the best job. He offered me an Optics rate where I was told I may spend my weekends at the Naval Observatory, a Mine-man position where I would work on live mines (the kind that go Boom).

I passed on anything that may blow me up. They tried to have me become a DP (Data Processor) but seeing as this is the career I was trying to escape, I passed. Finally, I was asked if I wanted a leather flight jacket. Now we’re talking. We were soon talking about the AW rate (Aviation Anti-Submarine Warfare). AW’s were aeronautically designated meaning they flew as aircrew on Navy aircraft such as the P-3 Orion, helicopters and S-3 Vikings and they wore gold aircrew wings. I was hooked and on Sept 28th, 1988, I was sworn into what would become a 32-year career. I joined under the Sea Air Mariner (SAM) program. This allowed me to attend active-duty boot camp, A school (where you learn your job), Aircrew School, Rescue Swimmer School, and a stint at a local squadron until I was deemed qualified in my job.

My first squadron was the HSL-94 (Titans) at NAS Willow Grove above Philadelphia PA, where I served as a rescue swimmer and helicopter crewman. In addition to my swimmer duties, I operated the RADAR, sonobuoy processing equipment (like microphones in the water listening for subs) and the Magnetic Anomaly Detection (MAD) equipment (like a big metal detector for finding subs under water). During my time with HSL-94 I deployed to FFGs (Guided Missile Frigates) where our mission was counter narcotics in the Caribbean and spent time at AUTEC (Atlantic Underwater Test Evaluation Center) in the Bahamas honing my sub hunting skills and dropping torpedoes on the range. As with most great gigs it eventually came to an end. The squadron and its H-2 helicopters was decommissioned and reestablished as an SH-60 (newer helicopters) squadron in Mayport FL.

Male Veteran of the Quarter - Richard L. Keating - VOM Magazine - DelawareStill in the reserves and in need of a squadron I joined the VP-64 Condors a Maritime Patrol squadron located in the hanger next door at NAS Willow Grove as a sensor operator. The squadron and the airframe were different, VP-64 flew P-3C (big, fixed wing aircraft) patrol planes, but the mission was familiar. Instead of conducting counter narcotics flights off ships we deployed to airfields. All was good for about a year until the reserves upgraded the avionics package on our P-3C to the P-3 BMUP. The BMUP’s new sub hunting abilities were a step up from the active-duty Navy and they wanted our aircraft, so slowly our squadron of 7 dwindled to a few.

One day as I stood on the flightline with the command Master Chief I asked what was going to happen to us when all the planes were gone. He said, “Funny you should ask. Here comes the future of reserve aviation”. Just then on the horizon I saw a big lumbering aircraft making its way toward the airfield. This was my first glimpse of the C-130T cargo plane and little did I know it would become my favorite aircraft.

Soon after I was again part of a squadron decommissioning (VP-64) and commissioning of a new one (VR-64). We moved from maritime patrol to a cargo moving logistics squadron overnight. Many of my AW friends moved to other VP squadrons but I volunteered to stay with the C-130 and become a loadmaster. Loadmasters are responsible for loading the aircraft and determining its weight and balance to ensure it flies within safe limitations. Cargo consisted of anything the active-duty Navy could need from moving SEAL teams, bombs, bullets, and bandages to girl scout cookies. We moved it all.

The most interesting cargo I ever moved were the dolphins the Navy uses for port security. The best part of being a load master was the travel, this is why I joined the Navy, to see the world. The squadron had regular deployments to Bahrain, Sigonella Sicily and Atsugi Japan. While deployed there were missions to Spain, Australia, and many other exciting locations. It was at this time in my career that I opted to take an active-duty mobilization for 3 years as part of Operation Enduring Freedom (OEF). I completed my tour of duty and its many adventures returning to the life of a citizen sailor.

The year was 2011 and I found myself supporting the family once again as a computer programmer. Though this time I was choosing the assignments as an independent consultant, better pay and working conditions. I was finding it increasingly difficult to support squadron missions while maintaining a work/family balance. A friend of mine had transferred to the Delaware Air Force Air Guard as a C-130 flight engineer and invited me to talk to a recruiter. A few phone calls later and I found myself leaving the Navy and joining the Air Force. To maintain balance in my life I opted to forgo the aircrew life as it would have also required me to attend all the Air Force aircrew training, requiring an additional year of active duty. Instead, I took a position as an Air Transportation Specialist. This new position allowed me to remain local to my home while maintaining all my reserve benefits.

Upon retirement I had accumulated 32 years 8 months and 8 days of continuous service and a lifetime of fond memories.

Other Roles:

  • Ordained with Universal Life Church on 11/1/1012
  • Served on the Vice-Presidential Support Detail while with the Delaware Air Guard

Read more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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Heart Health Awareness: Listen Up Ladies! - VOM Magazine - Delaware
22 Mar
0

Heart Health Awareness: Listen Up Ladies!

By: Article Written by Lishamarie Hunter

Heart disease has become the leading cause of death for women in the United States, responsible for about 1 in 4 deaths among women. Starting in the late 1980s, coronary heart disease – defined as a blockage of the arteries that supply blood and oxygen to the heart – has killed more women each year than men. Mortality rates from this disease are on the rise in women aged 35 – 54 years. Nearly two-thirds of women who have died from heart disease had no previous symptoms.

Some facts about women and heart disease:

  • Heart disease is the leading cause of death for women in the United States, killing 314,186 women in 2020—or about 1 in every 5 female deaths.
  • Heart disease is the leading cause of death for African American and white women in the United States. Among American Indian and Alaska Native women, heart disease and cancer cause roughly the same number of deaths each year. For Hispanic and Asian or Pacific Islander women, heart disease is second only to cancer as a cause of death.
  • About 1 in 16 women age 20 and older (6.2%) have coronary heart disease, the most common type of heart disease:
    • About 1 in 16 white women (6.1%), black women (6.5%), and Hispanic women (6%)
    • About 1 in 30 Asian women (3.2%) (2023)

Reasons Why?

Women have smaller arteries than men, so coronary artery disease develops differently, and more diffusely. Also, coronary artery disease in women tends to afflict smaller arteries that feed the heart. An angiogram, a procedure commonly performed to look for blockages in the coronary arteries, won’t always catch the signs of disease.

The last reason delays in getting care has to do with deeply engrained societal norms.

“Women by nature are conditioned socially and culturally to be nurturers,” Dr. Chinnaiyan explains. “We generally put ourselves last.

“A woman is more likely to take her husband, having the same symptoms, to the doctor, rather than taking herself” (2023).

Because women delay care it’s important for women to know the risk factors of heart disease: high blood pressure or cholesterol, diabetes, smoking, lack of exercise, poor diet and high stress. What are the common and the not so common symptoms of heart disease? These symptoms may happen when you are resting or when you are doing regular daily activities.

Some women have no symptoms, others may have the following:

  • Angina (dull and heavy or sharp chest pain or discomfort)
  • Pain in the neck, jaw, or throat
  • Pain in the upper abdomen or back
  • Nausea
  • Vomiting
  • Fatigue

Sometimes heart disease may be “silent” and not diagnosed until you have other symptoms or emergencies, including:

  • Heart Attack: Chest pain or discomfort, upper back or neck pain, indigestion, heartburn, nausea or vomiting, extreme fatigue, upper body discomfort, dizziness, and shortness of breath
  • Arrhythmia: Fluttering feelings in the chest (palpitations)
  • Heart Failure: Shortness of breath, fatigue, or swelling of the feet, ankles, legs, abdomen, or neck veins

What are the risk factorsfor heart disease?

High blood pressure, high LDL (low-density lipoprotein) cholesterol, and smoking are key risk factors for heart disease. About half of all people in the United States (47%) have at least one of these three risk factors.

Several other medical conditions and lifestyle choices can also put people at a higher risk for heart disease, including:

  • Diabetes
  • Being overweight or obesity
  • Eating an unhealthy diet
  • Physical inactivity
  • Drinking too much alcohol

How can I reduce myrisk of heart disease?

To lower your chances of getting heart disease, it’s important to do the following:

  • Know your blood pressure. Having uncontrolled blood pressure can lead to heart disease. High blood pressure has no symptoms, so it’s important to check blood pressure regularly.
  • Having uncontrolled diabetes raises your risk of heart disease.
  • Quit smoking. If you don’t smoke, don’t start.
  • Discuss checking your blood cholesterol and triglycerides with your doctor.
  • Make healthier food choices and exercise at least 30 mins a day.
    • Limit how much alcohol you drink
    to one drink a day (or far less).
    • Manage stress levels by finding
    healthy ways to cope with stress.
    “You have to be able to work on it from early on in your childhood. It’s really hard to change in your 70s if you haven’t worked on it earlier in life’ (2023).
    It’s never too late to make changes so that you can live a longer healthier life.
    Reference:
    American Heart Month Toolkit 2023. www.cdc.gov/heartdisease/american_heart_month.htm.Retrieved 18 February 2023.
    Explore more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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VOM Magazine - Delaware
15 Mar
0

Spring 2023 VOM Magazine is Here!

WELCOME from the Board of Directors

Welcome to the Spring Edition of the VOM Magazine. The weather is still changeable with decent weather conditions forecasted for March and the possibility of still cold weather including snow and rain, but we’re hopeful for only the latter.

Please take the time to check on family, friends, senior citizens, and veterans, many who may be secretly suffering from depression, anxiety, and other emotional issues including thoughts or attempts at suicide. These are being brought on by the changing weather conditions, disability, or times of distress.

Also, at this time of year some people will have low energy which will make them very moody and out of sorts. We encourage you to get outside to exercise and enjoy the fresh air and sunshine. Even only 30 minutes of physical activity a day is known to improve mental, emotional, and physical facets of life.

Families with children are also very susceptible and should be checked on as children suffer from the same emotional conditions as adults, and anguish experienced by a parent or guardian can affect the children they are in proximity with. Just as it takes a village to raise a child, it can take a village to help protect a family.

Many times you do know these conditions exist as the people affected are adept at hiding their conditions from friends and family members that are trying to help them. If you suspect emotional conditions exist, please direct them to a doctor, pastor, trusted friend or family member that will be able to help them. In the case of veterans, please direct them to a local Veterans Outreach center.

Our two local centers are located in Cecil County, MD and New Castle County, DE. We hope to announce soon a third location in Philadelphia, PA.

There are also Veterans Outreach centers in all 50 United States that are available to help. As a non-profit organization, the mission of the Veteran’s Outreach Ministries is to offer support to all veterans and their families through a Christ-centered ministry using prayer, bible study, fellowship and worship.

Read more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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Male Veteran of the Quarter - Rebecca Rondone - Veterans Outreach Ministries
17 Feb
0

Female Veteran of the Quarter – Rebecca Rondone

Article Provided by Rebecca Rondone

The Veteran of the Quarter is SGT Rebecca Rondone, a native of Phillipsburg, NJ who currently resides in Perryville, MD. Rebecca served in the U.S. Army as a Military Police Officer on active duty from 2000-2005 and IRR from 2005-2008. Rebecca graduated basic training as an Honor Grad for her PT and Marksmanship in Fort Leonard Wood, MO. She was able to lead A CO 787 at graduation as the Guidon Bearer.

Following graduation, Rebecca was stationed at Fort Lewis, WA with the 504th Military Police Battalion. Rebecca performed duties as a Military Police Officer, providing force protection and quality enforcement support to the Fort Lewis community of over 80,000 soldiers, civilians and family members. She also attended JRTC(Joint Readiness Training Center) in Fort Polk, LA as a member of Task Force 504 in support of the 10th Mountain Division, Kosovo 3B Rotation. She later was assigned to Aberdeen Proving Grounds Directorate of Law Enforcement and Security, Patrol Division.

While on APG on active duty, Rebecca went through and completed the 683hr CALEA Certified Federal Police Academy. During the Academy, she was selected as squad leader, due to her demonstrated exceptional leader ship, and upon graduation, was awarded the class leadership award and the highest physical fitness award, demonstrating her dedication in fortitude.

After her active duty time was completed, Rebecca went right into civilian police work for the Department of the Army in 2005. Rebecca worked the field as well as performing as the desk supervising sergeant. Rebecca was tasked with direct supervision of a squad of 15 military and civilian police officers on rotating shifts; responsible for the protection of life and property and enforcement of Federal, State, and local laws, ordinances, rules, and regulations; She provided initial command and coordination for several specialized units tasked with a safe and secure environment for an installation that is over 75,000 acres and 120 miles of shoreline housing nuclear, chemicals, and biological resources; enforced physical security measures for facilities storing arms, ammunition, and explosives; supervised traffic and crowd control during nuclear/chemical incidents; supervised initial investigation of crimes; responsible for accountability and maintenance of government property. Later she was able to take her experiences in the Police Field as an instructor for the Federal Police Academy Schoolhouse, instructing new cadets for their PT and self defense. Due to her accomplishments, she was the only military member selected for and completed the field training officer program in the associate instructor program in order to teach and train, new military and civilian police officers. Rebecca was certified as a Maryland First Responder and obtained her degree in psychology.

In 2016 she establish Pura Vida Yoga and Physical Training in Perryville, MD. Rebecca has over a decade of experience being a Personal Trainer and is a 200 Hour RYT. Her veteran owned business has been voted Best Yoga class for 6 straight years. Rebecca and her instructors embody a comprehensive skill set geared to enhancing the psychological and physiological well-being of their clients and customers.

Rebecca is also a mother to her 3 children. Jadynn(20) a creative artist, Chase(18) also currently serving in the United States Army as a Cav Scout, and Colbie(14) attending Perryville High School.06

Read more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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Handling Change - Veterans Outreach Ministries
10 Feb
0

Handling Change

Article by Pastor Scott Stevens,
US Army and Disabled Veteran

When I first came into the military in 1990, fresh out of high school, I was a tennis all-star and academically at the top of my class in FL, yet I was without a direction or purpose in life. An Army recruiter appealed to me to go into the US Army to get into better shape for college tennis, to make money and to use the GI College Fund to help me pay for college and my dream was to play Tennis at the next level.

As I entered the Basic Training at Fort Dix, NJ in at the end of Fall of 1990, everything was going as planned. I was maxing out in my PT Tests, impressing the Drill Sargent as a Squad Leader, and had the respect of my peers as I was always out in front every march, run and during drills. Yet, early into our training and as I entered AIT, as a Tank Mechanic, we got news that Desert Storm and the Gulf War was beginning to take shape.

Our training shifted from Basic to training for War. I had a choice to step-up to this new challenge or to fold under pressure. To add to the mental stress, my mother, who was only 45 years old, went into the hospital with a Brain Aneurysm and within 3 days, just as I got orders from Red Cross to return to FL, she died.

Now, I was all alone, she was my sole source of love and support, as my Dad had a new family and my older brother was married with 2 young kids. As I stayed to bury my mother, my unit was deployed with a Calvary Unit from TX on their way into Kuwait, Iraqi. I was now left with a choice, Who am I? What do I do now? And What are my next steps in life?

As I returned to training and my unit at APG, I was introduced to a godly man and Chaplain Captain May. He not only counseled me but introduced me to God and I began my person relationship with Jesus. Chaplain May showed me a God that loved me and cared for me.

I read in John 16:33 “I have told you these things, so that in me you may have peace. In this world you will have trouble. But take heart! I have overcame the world.”

My first step was to embrace that peace and realize that I am not in control. I found comfort in a personal relationship with Jesus and found comfort in God’s words, Psalms 121: 1-2 states “I lift up my eyes to the Hills (mountain or Heavens) where does my help come from? My help comes from the LORD, the maker of heave and earth”.

As I progressed and matured in Christ and in life, the Lord has always seen me through, provided me comfort and given me a purpose and plan in life. Shortly after, I was able to reconnect with my Unit and military friends after Desert Storm conflict.

With my new purpose and peace, I was able to communicate with other soldiers about how their life can be different in Christ. Many times, I was able to counsel and comfort those who were hurting.

Matthew 11:29 promises us “take my yoke upon you and learn of me, for I am gentle and humble in heart and you will find rest for your souls.”

How do you handle changes or detours in life? Your plans will need to be changed, adjusted and adapted to when storms and struggles in life comes your way.

The difference between a believer and a nonbeliever is WHO is with you when storms rage, and change comes into your life. Being a Christian does not mean you will be immune from life’s stressors or tragedies; it just means you will never be alone. Jesus said in John 14:18 “I will not leave you comfortless (desolate): I will come to you.” And when He comes to you, you will find peace.

My prayer for you is to stop trying to “figure things out” in life, trust God and do not lean to your own understanding, but trust God in everything – Proverbs 3:5-6.

Let me pray for you: Dear Lord, help the one who is reading this. Help them stop running away from Your call and purpose in life. Let them turn away from their sinful thoughts, actions and ways and help them experience Your peace.

Thank you, Lord, for coming into their life, for dying for their sins and giving them a new heart and home. Lord, when we find things not going our way, help us come to You and find rest for our weary soul.

In Jesus name, Amen.

Reach out to me… I would love to hear your military story and your decision to follow Christ, or just to talk about any questions you may have? Blessings. PastorStevens@aol.com.

Read more articles from VOM Magazine here: https://www.veteransoutreachministries.org/vom-magazine/

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The Birth of a Vision - Veteran's Outreach Ministries
03 Feb
0

The Birth of a Vision

An article by L. J. Nick Callazzo III, USMC

DWS is a global technology and Strategic Business Solutions company that has created an ecosystem that provides education and training in drone and virtual reality photogrammetry technology in its school, and solutions to corporations, businesses, organizations, and governments thorough its employment company. The Drone industry is projected to generate $100 Billion in annual revenues (article, “Reporting for Work”, Goldman Sachs study of drone industry).

DWS Drone School, Inc., founded in March 2020, is the global training and education school that teaches students how to pass the FAA Part 107 exam to be a commercial licensed drone operator and learn how to fly a drone, with its proprietary drone curriculum that was created by United States FAA commercial airline pilots who are also flight instructors and curriculum developers and commercial licensed drone pilots. We believe it is one of the best curricula in the drone industry. They also teach virtual reality photogrammetry and 3D modeling. dwsdroneschool.com

Drone Workforce Solutions, LLC, is the global drone staffing and employment agency which attempts to employ Federal Aviation Administration (FAA) Part 107 licensed commercial drone operators and VR operators. droneworkforcesolutions.com

The DWS Mission:

  1. Is to accelerate the growth of the drone industry, and its capacity to help to solve many of the world’s challenges by harnessing technology using drones and virtual reality and 3D modeling (VR) by providing education and training and workforce development opportunities through the DWS global technology school, DWS Drone School, and its global employment company, Drone Workforce Solutions.
  2. Is to create a Global drone and virtual reality network, (aka “The Universe”) which acts as a catalyst in bringing together and accelerating cross collaborations of drone and VR industry innovators, producers, programmers, software developers, robotics/drone manufacturers, FAA Part 107 certified, commercial drone pilots, global thought leaders, strategic partners, and futuristic solution providers, from a range of organizations including major corporations, start-ups, non-profits, universities and governmental entities.
    Theo Nix Jr., Esq., President/CEO wants to train and retrain a new generation of Americans with these technologies and create a middle class that thrives economically and makes a transformational difference in the world.

There is no better group to participate in this vision than our Veterans who have protected our country and the world. DWS and its global partners are privileged and honored to be facilitators and a conduit for them to exchange guns for drones and VR cameras.

DWS Drone School has created their “Veterans First” Initiative which aggressively seeks to provide drone and virtual reality education and training for our honorable men and women. DWS is the only school in the nation to be approved by the United States Department of Veterans Affairs to teach veterans in these two technologies which allows vets to use their education benefits to take these classes and they are provided with the drones, batteries and VR cameras and goggles.

DWS Drone School has been approved to operate a technology school and its courses, with more courses to follow, by the Department of Education in the following:

  • Delaware- their corporate location
  • New Jersey
  • Georgia
  • Tennessee
  • Illinois
  • And a pending approval in Kenya, Africa

THE DWS COURSES:

Drone/sUAS Pilot Training Program

DWS Drone School offers a comprehensive training and education aeronautics curriculum on Unmanned Aircraft Systems (UAS) which purpose is designed to not only educate, but to enable and encourage students to learn the art and science of drone technology. Students will gain vast knowledge in how they can apply what they learn to obtain careers in this growing industry through classroom instruction, labs, workshops, and demonstration in the field with “hands-on” training.

This instruction and materials offer the strategies and information to provide each student the in-depth training designed to create successful and proficient drone pilots. Students will also learn the rules, regulations, and laws, and in particular “Part 107”, which is required by the Federal Aviation Administration for drone operations. Students must take the FAA Part 107 exam to obtain their commercial drone license.

Virtual Reality and 3D Virtualization Training Program

DWS Drone School 360 Technology offers a comprehensive training and education curriculum on virtual reality and 3D virtualization systems which purpose is designed to educate, empower, enable, and encourage students to learn the art and science of virtual reality photography workshops and in the field to obtain careers in this growing industry. We will provide expertise and strategies for our students to apply their skills to various lucrative industries such as marketing, photography, security, training, and documentation.

Our curriculum will include the technology behind virtual reality, market opportunity, the equipment available, how to create a virtual reality product for a client, etc. This best-in-class instruction and materials offers strategies and information that provides the breadth and depth of instruction to be successful and proficient in virtual reality and learn the best practices, regulations and laws to offer virtual reality and 3D virtualization services.

Agricultural and Forestry Drone Collected Imagery Training Program

DWS Drone School, in partnership with Agremo, a world-wide leader in plant counting, plant analyses, and remote sensing technology, provides a training course for using small Unmanned Aircraft Systems (s/UAS) in the Agricultural and Forestry industries. In this course, students will gain knowledge and skills on how to provide professional drone services and precise analytics to Agricultural producers in the areas of stand count, plant population, plant stress analysis, weed analysis, pest analysis, plant disease analysis, water stress analysis, flowering estimates, and Eagle eye.

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