RAFINO
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Index
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VETERANS OF WARS BENEFIT
RAFINO Financial Report - Oct 2008
Medal of Honor Ceremony
Riviere is Commandant
2008 Stimulus Payments
DFAS Retired Pay Newsletter - March 2007
RAFINO Financial Report – 2 OCT 06
Websites for Veterans
Iraqi Memorial
MyPay.dfas.mil – Manage your own pay account
Military Spouses - The Difference
Why The American Flag Is Folded 13 Times
The One Dollar Bill

VETERANS OF WARS BENEFIT

Little-known benefit aids veterans of wars
Those who serve during conflict are eligible for up to $19,000 a year

BY PAULA BURKES

Published: February 8, 2009

(See full article with links at URL http://newsok.com/article/3344150 .)

A little-known veterans’ benefit for long-term care expenses is available to wartime veterans and their spouses. But the benefit is being overlooked by thousands of families, industry observers say.

The Special Pension for Veterans’ Aid and Attendance pays up to $1,644 a month, $19,736 annually, toward assisted living, nursing homes or in-home care for veterans 65 and older who served at least 90 days and one day during wartime — stateside or overseas. Veterans and their spouses can receive up to $23,396 annually and spouses of deceased veterans, $12,681.

Yet, an estimated $22 billion a year goes unclaimed, said Don Soard, a volunteer with Operation Veteran Aid in Oklahoma City. In 2007, only 134,000 seniors nationwide received the benefit, which was established in 1952.

"Literally hundreds of thousands don’t even know about it,” Soard said. "Due to incomplete information, many disqualify themselves on income or assets or find the paperwork too burdensome.”

Streamlined process

Soard helps families complete the necessary forms, so that approval comes in four to six months. The process is streamlined for vets who are blind or have memory issues and widows with medical needs, he said. Most applicants qualify and payments are retroactive, Soard said. The few who are denied on excessive liquid assets can seek financial advice to qualify, he said.

Soard started his volunteer mission two years ago, following the deaths of two family members who served in WWII.

"If they’d known about this benefit, they’d have a much better quality of life in later years,” he said. "Without it, many vets are forced to go on Medicaid.”

Oklahoma is one of nine states where the welfare program doesn’t cover assisted living costs. Assisted living often can be an alternative to a nursing home when 24-hour skilled care is not an absolute need, said Willie Ferguson, executive director of Legend at Rivendell in Oklahoma City.

"But if someone just has Social Security and a small pension, it’s not enough to live here,” Ferguson said.

According to a 2008 MetLife survey, assisted living in Oklahoma averages $2,346 a month, while nursing homes cost $153 a day for a private room.

Of 73 Legend residents, nine receive the veterans’ special pension, including Tom Bowen, 77, of Moore.

"Until I toured this operation, I had no idea the benefit was available,” said Bowen, a retired engineer technician from the Federal Aviation Administration who served stateside during the Korean Conflict.  Bowen recently moved into the Legend facility following several mini strokes and a diagnosis of short-term memory loss.

"It’s been pretty hard trying to handle expenses on my own and being able to replace savings,” said Marie Bowen, his wife of 57 years. Finding a nearby facility and learning about the special veterans’ pension has been a godsend, she said.

RAFINO FINANCIAL REPORT – OCT 2008

RAFINO TREASURER’S REPORT

REUNION 2008 – 5 OCTOBER 2008

CHECK BOOK BALANCE ON HAND AS OF DATE OF   $ 8,081.66

CLOSE OUT OF PREVIOUS BIENNIAL AUDIT

(Prior to 2 Oct 06 Reunion Business Meeting)

INCOME                                                      $  24,619.56

DUES                                                          $ 10,290.00

DONATIONS                                               $   1,160.00

FEES                                                           $       14.00

NET FROM CD’S TO CHECKBOOK         $   3,620.51

REUNION 2006 ‘ADVANCE’ RETURN      $   1,700,00

REUNION 2006 CLOSEOUT                       $   7,835.05

EXPENSES                                                   $ 30,321.46

RAFINO REPORTS                                      $ 10,068.92

WEBMASTER IF REPLENISHMENTS        $   4,284,65

MISC TREASURER EXPENSES                 $      132.77

RAFINO CHALLENGE COIN                        $   1,212.00

DONATION TO FC MUSEUM                      $   1,000.00

REUNION 2008 ADVANCE                          $      500.00

INCREASES TO CD PRINCIPAL                 $ 13,123.12

CHECK BOOK BALANCE ON HAND AS OF 20 SEPTEMBER 2008     $  2,379.76

(Close of current audit prior to 5 Oct 08 Reunion Business Meeting. See attached audit report.)

PRINCIPAL VALUE OF CURRENT CD’S =  $25,000.00

(Does not include accrued CD interest from 6/28/08) 

IMPREST FUND ADVANCE TO WEBMASTER =  $1,000.00

(Replenished as of 9/8/08)

RAFINO TOTAL ‘NET WORTH’ IS $ 28,379.76 (+ accruing CD interest).

Respectfully submitted,  Dave W. MIKKELSON

Note: The RAFINO books were audited by Bruce KIMERY who found everything in order and found no exceptions.  A copy of the audit is on file with the Treasurer.

Medal of Honor Ceremony

Mike Monsoor, a Navy EOD Technician, was awarded the Congressional Medal of Honor posthumously for jumping on a grenade in Iraq, giving his life to save his fellow Seals.

During Mike Monsoor's funeral in San Diego, as his coffin was being moved from the hearse to the grave site at Ft. Rosecrans National Cemetery, SEALs were lined up on both sides of the pallbearers route forming a column of two's, with the coffin moving up the center.

As Mike's coffin passed, each SEAL, having removed his gold Trident from his uniform, slapped it down embedding the Trident in the wooden coffin. The slaps were audible from across the cemetery.

By the time the coffin arrived grave side, it looked as though it had a gold inlay from all the Tridents pinned to it. This was a fitting send-off for a warrior hero.

RIVIERE IS COMMANDANT

Commandant Stephen J. RIVIERE
TO: Financial Management Leaders,

     As your 36th FM Commandant and Chief of the Regiment, I wanted to take a few minutes to send a short note to let you know that we had another historic event in our Corps - "The Change of Commandant Ceremony" at Fort Jackson, SC on 20 June 2008.  COL Billy SMITH relinquished leadership of the FM School and Regiment to me.  It was a wonderful event shared by many FM Soldiers (both past and present), Civilians and Families.  We were honored to have 5 past Commandants in attendance - BG(R) SCEARCE, COL's (R) NEILL, DOWDEN, WATKINS, and SPEER as well as many other Distinguished Visitors and guests from the field, Fort
Jackson and the Columbia Community.  For those of you who were able to attend, thank you for adding to our ceremony with your presence.  For those that were not able to be there, I have attached a few pictures so that you can witness this great event.

I am humbled and honored to serve as your Commandant and Chief of the Corps.  It is my desire to work closely with each of You - our Senior Leaders at ASAFM&C,TRADOC, FORSCOM, USAREUR, USFK, USASOC, CASCOM, USASSI, USAFINCOM, DFAS, Treasury, FRB, and Warriors in the Field (Soldiers, Civilians and Families) as we chart our FM path in a Transforming Army.  I want to build on our Successes and leverage the skills and expertise of all Components (AC, USAR, and NG) as we execute the "One Army Team Concept" in Support of the Global War on Terrorism.

Finally, I want to leverage the skills, experience, and resources of our Retired Community thru RAFINO and RAFINCO.  We are all proud members of the FM Family and working together I believe we can accomplish any mission.  I look forward to working with each of you in the years ahead.  I pledge my best efforts and total commitment as your FM Commandant and Chief of the Regiment.

COL Rose WALKER, Acting CG, USASSI passes the Colors to COL Stephen RIVIERE as COL Billy SMITH & CSM Thomas BROWN look on.

"The Change of Commandant Ceremony" at Fort Jackson, SC on 20 June 2008

2008 Stimulus Payments

Facts About the 2008 Stimulus Payments

2008/04/07 00:00:00 Information from MOAA.

The Economic Stimulus Payment is an additional payment from the Internal Revenue Service (IRS) to help kick start the economy. From the questions we have received here at MOAA, there is a bit of confusion about how the program works. Especially confusing is the part that deals with tax-free income and filing a return when one usually is not required to do so.

In a nutshell, the amount of your stimulus payment depends on your filing status and how much income tax you pay, as long as your income is under the income limits.

*  For single filers, the following applies:

  • Single filers can receive up to $600.

  • Those with an Adjusted Gross Incomes (AGIs) above $75,000 get reduced benefits.

  • At AGIs of $87,000 and above, there is no payment.

*  The following applies to married filers:

  • Married filers (no children) can receive up to $1200.

  • Parents can get an additional $300 per child under age 17.

  • AGIs above $150,000 receive reduced payments.

  • At AGIs of $174,000 and above, there is no payment.

It is not possible to use your tax-free income to get a larger stimulus payment. To qualify for a stimulus payment, you must have all of the following:

  • $3,000 in annual income (taxable or tax-free income);

  • a Social Security number; and file income taxes for 2007.

Once you meet these basic criteria, there are two types of filers for the payment: those with taxable income who pay income taxes; and those who don’t normally file taxes due to tax-free income.

First, taxable income filers should file taxes as they normally would. Nothing else needs to be done. If you also have tax-free income, do not add it to your return unless you need to use the tax-free income to reach the $3,000 minimum qualifying income requirement. Your stimulus payment is based on your actual tax paid. For married filing jointly (no children), if you pay less than $600 in taxes, you will get $600. If you pay between $600 and $1,200 in taxes, you’ll get a payment equal to the amount of you tax paid. If you pay over $1,200 in taxes, you’ll get $1,200. Do not add your tax-free compensation to the taxable income on your return. Tax-free income does not add to your tax burden. For single filers, the same process applies to you, but payments will range between $300 and $600.

Second, if all or most of your income is tax-free, and you do not normally file income taxes, you must file this year to get the stimulus payment. The instructions for filing are at http://www.irs.gov/newsroom/article/0,,id=179203,00.html. You may use tax-free income to qualify for only the $3,000 minimum income requirement to receive the minimum stimulus payment. Filers in this category will receive the smallest payments of $300 for individuals and $600 for married filers.

Do not attempt to combine taxable and tax-free income to receive a larger payment. The stimulus payment is not based on the amount of your income, taxable or tax-free, so there is no benefit gained trying to enhance your income amount. Tax-free income does not add to your tax liability.

Finally, recognize the stimulus payment is based on the amount of tax you pay. For more information, visit the IRS’ Web site at: http://www.irs.gov/newsroom/article/0,,id=177937,00.html.

DFAS Retired Pay Newsletter – March 2007

The newsletter has changed!  Due to recent security changes by several DoD sites, we have reformatted the newsletter to a text version so that it is compatible for all users.  Many customers are unable to view the previous version of our newsletter because these new security restrictions do not allow it to be displayed correctly in some mailboxes.  We still host the articles on our servers where, via the links below, you will still enjoy the appearance you are accustomed to in your internet browser.  This step adds a measure of protection against various threats to your email inbox.  We apologize for the short notice for this change and we thank you in advance for your patience. 

Director's Corner

Welcome to the first issue of the DFAS Retired Pay Newsletter in 2007.  Included in this issue you will find a number of helpful articles, including an update on the VA Retro program and how TRICARE is making it easy for retirees to pay their TRICARE Prime enrollment fees by establishing a monthly allotment from their retirement pay.  You'll also uncover some additional information on TRICARE, along with pertinent Web sites, to help in your health care efforts.  Please read more from Director Karl Bernhardt by using the following link:
http://www.dod.mil/dfas/dfasnewsletters/retpay/february07/Directors.htm

VA Retro Update

The Disabled Military Retiree Retroactive Pay program, commonly called VA Retro, is well underway.  Eligible retirees are those receiving either Combat- Related Special Compensation (CRSC) or Concurrent Retirement Disability Payments (CRDP) and have been awarded a retroactive disability rating increase by the Department of Veterans Affairs (DVA) since their date of initial entitlement.  For more information about the VA Retro program, please follow the link below: 
http://www.dod.mil/dfas/dfasnewsletters/retpay/february07/VA.htm


TRICARE Prime reminds retirees of a convenient payment option

TRICARE makes it easy for retirees to pay their TRICARE Prime enrollment fees by establishing a monthly allotment from their service retirement pay. 
The Defense Finance and Accounting Service (DFAS), the U.S. Coast Guard, and the U.S. Public Health Service deducts the retirement pay allotment.  More information about TRICARE can be found here:
http://www.dod.mil/dfas/dfasnewsletters/retpay/february07/TRICARE.htm

Concurrent Retirement Disability Payments Increase

Concurrent Retirement Disability Pay (CRDP) is a phased-in restoration of the retired pay deducted from military retirees' accounts due to their receipt of Department of Veterans Affairs (DVA) compensation (reflected on Retiree Account Statements as the "VA waiver").  Additional CRDP information can be found here:
http://www.dod.mil/dfas/dfasnewsletters/retpay/february07/CRDP.html


Tax Season Survival Guide

With tax deadlines approaching, retirees should have their 2006 information and forms ready to go.  Retired Pay Account Statements (RAS) and 1099Rs are posted to myPay (https://mypay.dfas.mil/mypay.aspx) for quick and easy access. For retirees who do not have a myPay account or have requested hardcopy documents, these forms were mailed on schedule in December.  For retirees who have not received their end-of-year statements and tax forms, several options exist to request DFAS reissue them.  Please read more about important tax information at the following link:
http://www.dod.mil/dfas/dfasnewsletters/retpay/february07/Tax.html

To get your own letter log into myPay using the link below  https://mypay.dfas.mil/mypay.aspx

RAFINO Financial Report – 2 OCT 06
RAFINO TREASURER’S REPORT
REUNION 2006 – 2 OCTOBER 2006

CHECK BOOK BALANCE ON HAND AS OF DATE OF $ 8,577.09
PREVIOUS AUDIT, 5 OCTOBER 2004 [Excluding CD’s]
(Prior to 11 Oct 04 Reunion Business Meeting)

INCOME $14,098.01

DUES $ 8,560.00
DONATIONS $ 1,550.00
REUNION 2004 CLOSEOUT $ 3,810.35
CD INTEREST $ 130.98
FEES/REFUNDS $ 46.68

EXPENSES $14,593.44

RAFINO REPORTS $ 5,759.29
WEBMASTER IF REIMBURSEMENTS $ 2,507.00
DONATIONS FROM RAFINO $ 1,500.00
MISC TREASURER EXPENSES $ 127.15
REUNION 2006 ADVANCE $ 1,700.00
INCREASE CD PRINCIPAL $ 3,000.00

BALANCE ON HAND AS OF 16 SEPTEMBER 2006 $ 8,081.66

Close of last audit prior to 2 Oct 06 Reunion Business Meeting.

PRINCIPAL VALUE OF CD’S = $13,000.00
Accrued CD interest as of 6/20/06 = $613.66 – not recorded as income

IMPREST FUND ADVANCE TO WEBMASTER = $1,000.00
(Will include unrecorded expenses to date)

RAFINO TOTAL ‘NET WORTH’ IS $ 22,695.32 as of this report.

Respectfully submitted, Dave Mikkelson, Treasurer

Web Sites for Veterans

Board of Veterans' Appeals http://www.va.gov/vbs/bva/
CARES Commission http://www.va.gov/vbs/bva/
CARES Draft National Plan http://www1.va.gov/cares/page.cfm?pg=105
Center for Minority Veterans
 http://www1.va.gov/centerforminorityveterans/Center for Women
 Veterans http://www1.va.gov/womenvet/
 Center for Veterans Enterprise http://www.vetbiz.gov/default2.htm
 Clarification on the changes in VA healthcare for Gulf War Veterans
      http://www.gulfwarvets.com/ubb/Forum1/HTML/000016.html
 Classified Records - American Gulf War Veterans Assoc
      http://www.gulfwarvets.com/ubb/Forum18/HTML/000011.html
 Compensation Rate Tables, 12-1-03
      http://www.vba.va.gov/bln/21/Rates/comp01.htm
 Department of Veterans Affairs Home Page http://www.va.gov/
 Directory of Veterans Service Organizations
      http://www1.va.gov/vso/index.cfm?template=view
 Disability Examination Worksheets Index, Comp
      http://www.vba.va.gov/bln/21/Benefits/exams/index.htm
 Electronic Code of Federal Regulations http://www.gpoaccess.gov/ecfr/
 Environmental Agents http://www1.va.gov/environagents/
 Environmental Agents M10
 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1002Establishing
 Combat Veteran Eligibility
 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=315EVALUATION
 PROTOCOL FOR GULF WAR AND IRAQI FREEDOM VETERANS WITH POTENTIAL  EXPOSURE TO DEPLETED URANIUM (DU)
      http://www1.va.gov/gulfwar/docs/DUHandbook1303122304.DOC
 EVALUATION PROTOCOL FOR NON-GULF WAR VETERANS WITH POTENTIAL
 EXPOSURE TO DEPLETED URANIUM (DU)
      http://www1.va.gov/gulfwar/docs/DUHANDBOOKNONGW130340304.DOC
 Fee Basis, PRIORITY FOR OUTPATIENT MEDICAL SERVICES
 AND INPATIENT HOSPITAL CARE

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=206Federal
 Benefits for Veterans and Dependants 2005
      http://www1.va.gov/opa/vadocs/fedben.pdf
 Forms and Records Request http://www.va.gov/vaforms/
 Geriatrics and Extended Care http://www1.va.gov/geriatricsshg/
 Guideline for Chronic Pain and Fatigue MUS-CPG
      http://www.oqp.med.va.gov/cpg/cpgn/mus/mus_base.htm
 Guide to Gulf War Veterans' Health
      http://www1.va.gov/gulfwar/docs/VHIgulfwar.pdf
 Gulf War Subject Index
      http://www1.va.gov/GulfWar/page.cfm?pg=7&template=main&letter=A
 Gulf War Veterans' Illnesses Q&As
      http://www1.va.gov/gulfwar/docs/GWIllnessesQandAsIB1041.pdf
 Homeless Veterans http://www1.va.gov/homeless/
 HSR&D Home http://www.hsrd.research.va.gov/
 Ionizing Radiation http://www1.va.gov/irad/
 Iraqi Freedom/Enduring Freedom Veterans VBA
 http://www.vba.va.gov/EFIF/M10 for spouses and children
 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1007M10 Part
 III Change 1

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1008M21-1
 Table of Contents http://www.warms.vba.va.gov/M21_1.html
 Mental Health Program Guidelines

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1094Mental
 Illness Research, Education and Clinical Centers
      http://www.mirecc.med.va.gov/
 MS (Multiple Sclerosis) Centers of Excellence
      http://www.va.gov/ms/about.asp
 My Health e Vet http://www.myhealth.va.gov/
 NASDVA.COM - National Association of State Directors
      http://www.nasdva.com/
 National Center for Health Promotion and Disease Prevention
      http://www.nchpdp.med.va.gov/postdeploymentlinks.asp
 OMI (Office of Medical Inspector http://www.omi.cio.med.va.gov/
 Online VA Form 10-10EZ https://www.1010ez.med.va.gov/sec/vha/1010ez/
 Persian Gulf Registry

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1003Persian
 Gulf Registry Referral Centers

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1006Annual
 Report To Congress, Persian Gulf Veterans' Illnesses Research 1999

 http://www1.va.gov/resdev/1999_Gulf_War_Veterans'_Illnesses_Appendices.doc
 Annual Report To Congress, Persian Gulf Veterans' Illnesses
 Research 2002
      http://www1.va.gov/resdev/prt/gulf_war_2002/GulfWarRpt02.pdf
 Phase I PGR

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1004Phase II
 PGR

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=1005Policy
 Manual Index http://www.va.gov/publ/direc/eds/edsmps.htm
 Project 112 (Including Project SHAD) http://www1.va.gov/shad/
 Prosthetics Eligibility

 http://www1.va.gov/vhapublications/ViewPublication.asp?pub_ID=337Public
 Health and Environmental Hazards Home Page
      http://www.vethealth.cio.med.va.gov/
 Public Health/SARS http://www.publichealth.va.gov/SARS/
 Publications - Manuals
      http://www1.va.gov/vhapublications/publications.cfm?Pub=4
 Publications and Reports

 http://www1.va.gov/resdev/prt/pubs_individual.cfm?webpage=gulf_war.htm
 Records Center and Vault Homepage
 http://www.aac.va.gov/vault/default.htmlRecords Center and Vault
 Site Map http://www.aac.va.gov/vault/sitemap.html
 REQUEST FOR AND CONSENT TO RELEASE OF INFORMATION FROM CLAIMANT'S RECORDS
 http://www.forms.va.gov/va/Internet/VARF/getformharness.asp?formName=3288-form.xft

 Research Advisory Committee on Gulf War Veterans Illnesses April
 11, 2002
      http://www1.va.gov/rac-gwvi/docs/Minutes_April112002.doc
 Research Advisory Committee on Gulf War Veterans Illnesses
      http://www1.va.gov/rac-
 gwvi/docs/ReportandRecommendations_2004.pdfResearch and Development
      http://www.appc1.va.gov/resdev/programs/all_programs.cfm

 Title 38 Index
      Parts 0-17 http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?
 sid=5601440f9a028e2b353f1be27d4535d2&c=ecfr&tpl=/ecfrbrowse/Title38/38cfrv1_02.tpl

      Part 18 http://ecfr.gpoaccess.gov/cgi/t/text/text-idx?
 sid=e7f228f056f66128a3cf40196efa0323&c=ecfr&tpl=/ecfrbrowse/Title38/38cfrv2_02.tpl

 Title 38
      Part 3 - Adjudication
      Subpart A-Pension, Compensation, and Dependency and Indemnity
 Compensation
      http://ecfr.gpoaccess.gov/cgi/

 t/text/text-
 idx?c=ecfr;sid=0a5cc4e74c654c10874b651cc99ff1b4;rgn=div5;view=text;node=38%3A1.0.1.1.4;idno=38;cc=ecfr

 Title 38
      Pensions, Bonuses & Veterans' Relief
      (also § 3.317 Compensation for certain disabilities due to
 undiagnosed illnesses found here) [URL=
 http://ecfr.gpoaccess.gov/cgi/t/text/text-
 idx?type=simple;c=ecfr;cc=ecfr;sid=89bb312d6d613680e34d4df4625d7f3b;region=DIV1;q1=gulf%20war;rgn=div8;view=text;idno=38;node=38%3A1.0.1.1]
 http://ecfr.gpoaccess.gov/cgi/t/text/text-
 idx?type=simple;c=ecfr;cc=ecfr;sid=89bb312d6d613680e34d4df4625d7f3b;region=DIV1;q1=gulf%20war;rgn=div8;view=text;idno=38;node=38%3A1.0.1.1[/URL]

 Title 38
      § 4.16 Total disability ratings for compensation based on
 unemployability of the individual. PART 4-SCHEDULE FOR RATING
 DISABILITIESSubpart A-General Policy in Rating
 http://ecfr.gpoaccess.gov/cgi/t/text/text-
 idx?c=ecfr&sid=1b7e1c80768900fe79b3126a180a3da6&rgn=div8&view=text&node=38:1.0.1.1.5.1.98.11&idno=38

 U.S. Court of Appeals for Veterans Claims http://www.vetapp.gov/
 VA Fact Sheet http://www1.va.gov/opa/fact/gwfs.html
 VA Health Care Eligibility
      http://www.va.gov/healtheligibility/home/hecmain.asp
 Veterans Legal and Benefits Information http://valaw.org/
 VA Life Insurance Handbook - Chapter 3

 http://www.insurance.va.gov/inForceGliSite/GLIhandbook/glibookletch3.htm#310

 VA Loan Lending Limits and Jumbo Loans
      http://valoans.com/va_facts_limits.cfm
 VA MS Research http://www.va.gov/ms/about.asp
 VA National Hepatitis C Program http://www.hepatitis.va.gov/
 VA Office of Research and Development http://www1.va.gov/resdev/
 VA WMD EMSHG http://www1.va.gov/emshg/
 VA WRIISC-DC http://www.va.gov/WRIISC-DC/
 VAOIG Hotline Telephone Number and Address
      http://www.va.gov/oig/hotline/hotline3.htm
 Vet Center Eligibility - Readjustment Counseling Service
      http://www.va.gov/rcs/Eligibility.htm
 Veterans Benefits Administration Main Web Page http://www.vba.va.gov/
 VHA Forms, Publications, Manuals http://www1.va.gov/vhapublications/
 VHA Programs - Clinical Programs & Initiatives
      http://www1.va.gov/health_benefits/page.cfm?pg=13
 VHA Public Health Strategic Health Care Group Home Page
      http://www.publichealth.va.gov/
 VHI Guide to Gulf War Veterans' Health
      http://www1.va.gov/vhi_ind_study/gulfwar/istudy/index.asp
 Vocational Rehabilitation http://www.vba.va.gov/bln/vre/
 VONAPP online http://vabenefits.vba.va.gov/vonapp/main.asp
 WARMS - 38 CFR Book C http://www.warms.vba.va.gov/bookc.html
 War-Related Illness and Injury Study Center - New Jersey
      http://www.wri.med.va.gov/
 Welcome to the GI Bill Web Site http://www.gibill.va.gov/
 What VA Social Workers Do http://www1.va.gov/socialwork/page.cfm?pg=3
 WRIISC Patient Eligibility http://www.illegion.org/va1.htm

Iraqi Memorial

The statue was made by an Iraqi artist named Kalat, who for years was forced by Saddam Hussein to make the many hundreds of bronze busts of Saddam that dotted Baghdad. This artist was so grateful that the Americans liberated his country, he melted 3 of the fallen Saddam heads and made a memorial statue dedicated to the American soldiers and their fallen comrades.

Kalat worked on this night and day for several months. To the left of the kneeling soldier is a small Iraqi girl giving the soldier comfort as he mourns the loss of his comrade in arms. It is currently on display outside the palace that is now home to the 4th Infantry division. It will eventually be shipped and shown at the memorial museum in Fort Hood, Texas.  (Editor:  This fine item was sent to us by Curt Lee.)

MILITARY SPOUSES - THE DIFFERENCE

(Editor:  This article was furnished by Honorary Colonel of the Finance Corps Roger SCEARCE, a regular contributor to this web site and the RAFINO Report.  We feel that the distaff side of the family deserves all the credit that can be mustered in their behalf.  It is suspected that Spouses check the web site periodically.  Here is “one for the Gipper”, so to speak.)

Over the years, I've talked a lot about military spouses how special they are and the price they pay for freedom too.  The funny thing about it, is most military spouses don't consider themselves different from other spouses.  They do what they have to do, bound together not by blood or merely friendship, but with a shared spirit whose origin is in the very essence of what love truly is.  Is there truly a difference?  I think there is.  You have to decide for yourself.

Other spouses get married and look forward to building equity in a home and putting down family roots.  Military spouses get married and know they'll live in base housing or rent, and their roots must be short so they can be transplanted frequently.

Other spouses decorate a home with flair and personality that will last a lifetime.  Military spouses decorate a home with flare tempered with the knowledge that no two base houses have the same size windows or same size rooms.  Curtains have to be flexible and multiple sets are a plus.  Furniture must fit like puzzle pieces.

Other spouses have living rooms that are immaculate and seldom used. Military spouses have immaculate living room/dining room combos.  The coffee table got a scratch or two moving from Germany, but it still looks pretty good.

Other spouses say good-bye to their spouse for a business trip and know they won't see them for a week.  They are lonely, but can survive.  Military spouses say good-bye to their deploying spouse and know they won't see them for months, or for a remote, a year.  They are lonely, but will survive.

Other spouses, when a washer hose blows off, call Maytag and then write a check out for getting the hose reconnected.  Military spouses will cut the water off and fix it themselves

Other spouses get used to saying "hello" to friends they see all the time.  Military spouses get used to saying "good-bye" to friends made the last two years.

Other spouses worry about whether their child will be class president next year.  Military spouses worry about whether their child will be accepted in yet another new school next year and whether that school will be in the worst city again.

Other spouses can count on spouse participation in special
events: birthdays, anniversaries, concerts, football games, graduation, and even the birth of a child.  Military spouses only count on each other; because they realize that the Flag has to come first if freedom is to survive.  It has to be that way.

Other spouses put up yellow ribbons when the troops are imperiled across the globe and take them down when the troops come home.  Military spouses wear yellow ribbons around their hearts and they never go away.

Other spouses worry about being late for mom's Thanksgiving dinner.  Military spouses worry about getting back from Japan in time for dad's funeral.

And other spouses are touched by the television program showing an elderly lady putting a card down in front of a long, black wall that has names on it.  The card simply says "Happy Birthday, Sweetheart. You would have been sixty today".  A military spouse is the lady with the card.  And the wall is the Vietnam Memorial.

I would never say military spouses are better or worse than other spouses are.  But I will say there is a difference.  And I will say that our country asks more of military spouses than is asked of their spouses.  And I will say, without hesitation, that military spouses pay just as high a price for freedom as do their active duty husbands or wives.  Perhaps the price they pay is even higher.  Dying in service to our country isn't near as hard as loving someone who has died in service to our country, and having to live without them.

God bless our military spouses for all they freely give.  And God bless America.

Author unknown

WHY THE AMERICAN FLAG IS FOLDED 13 TIMES

from notes of Mr. Max Beilke from DA Retirement Services

I've known how the 21 gun salute was determined (adding the individual digits of 1776), but only recently learned why the flag was folded 13 times when it is lowered or when it is folded and handed to the widow at the burial of a veteran? Here it is:

The first fold of our flag is a symbol of life.

The second fold is a symbol of our belief in eternal life.

The third fold is made in honor and remembrance of the veterans departing our ranks who gave a portion of their lives for the defense of our country to attain peace throughout the world.

The fourth fold represents our weaker nature, for as American citizens trusting in God, it is to Him we turn in times of peace as well as in time of war for His divine guidance.

The fifth fold is a tribute to our country, for in the words of Stephen Decatur, "Our Country, in dealing with other countries may she always be right; but it is still our country, right or wrong."

The sixth fold is for where our hearts lie. It is with our heart that we pledge allegiance to the flag of the United States Of America, and to the Republic for which it stands, one Nation under God, indivisible, with Liberty and Justice for all.

The seventh fold is a tribute to our Armed Forces, for it is through the Armed Forces that we protect our country and our flag against all her enemies, whether they be found within or without the boundaries of our republic.

The eighth fold is a tribute to the one who entered into the valley of the shadow of death, that we might see the light of day, and to honor mother, for whom it flies on Mother's Day.

The ninth fold is a tribute to womanhood; for it has been through their faith, their love, loyalty and devotion that the character of the men and women who have made this country great has been molded.

The tenth fold is a tribute to the father, for he, too, has given his sons and daughters for the defense of our country since they were first born.

The eleventh fold, in the eyes of a Hebrew citizen represents the lower portion of the seal of King David and King Solomon, and glorifies in their eyes, the God of Abraham, Isaac, and Jacob.

The twelfth fold, in the eyes of a Christian citizen, represents an emblem of eternity and glorifies, in their eyes, God the Father, the Son, and Holy Spirit.

When the flag is completely folded, the stars are uppermost reminding us of our nation's motto, "In God We Trust".

After the flag is completely folded and tucked in, it takes on the appearance of a cocked hat, ever reminding us of the soldiers who served under General George Washington, and the sailors and marines who served under Captain John Paul Jones, who were followed by their comrades and shipmates in the Armed Forces of the United States, preserving for us the rights, privileges, and freedoms we enjoy today.

THE ONE DOLLAR BILL

By Anonymous

Take out a one-dollar bill and look at it. The one-dollar bill you're looking at first came off the presses in 1957 in its present design.   This so-called paper money is in fact a cotton and linen blend, with red and blue minute silk fibers running through it.   It is actually material.   We've all washed it without it falling apart. A special blend of ink is used, the contents we will never know.   It is resistant and pressed to give it that nice crisp look.

If you look on the front of the bill, you will see the United States Treasury Seal. On the top you will see the scales for a balanced budget. In the center you have a carpenter's square, a tool used for an even cut. Underneath is the Key to the United States.

That's all pretty easy to figure out, but what is on the back of that dollar bill is something we should all know.  If you turn the bill over, you will see two circles. Both circles, together, comprise the Great Seal of the United States.   The First Continental Congress requested that Benjamin Franklin and a group of men come up with a Seal. It took them four years to accomplish this task and another two years to get it approved.

If you look at the left hand circle, you will see a Pyramid.   Notice the face is lighted and the western side is dark.   This country was just beginning.   We had not begun to explore the West or decided what we could do for Western Civilization.   The Pyramid is uncapped, again signifying that we were not even close to being finished.
Inside the capstone you have the all-seeing eye, and ancient symbol for divinity.   It was Franklin's belief that one man couldn't do it alone, but a group of men, with the help of God, could do anything. "IN GOD WE TRUST" is on this currency.   The Latin above the pyramid, ANNUIT COEPTIS means, "God has favored our undertaking."  The Latin below the pyramid, NOVUS ORDO SECLORUM, means, "a new order has begun."  At the base of the pyramid is the Roman numeral for 1776. If you look at the right-hand circle, and check it carefully, you will learn that it is on every National Cemetery in the United States. It is also on the Parade of Flags Walkway at the Bushnell, Florida National Cemetery and is the centerpiece of most heroes' monuments. Slightly modified, it is the seal of the President of the United States and it is always visible whenever he speaks; yet no one knows what the symbols mean.

The Bald Eagle was selected as a symbol for victory for two reasons: First, he is not afraid of a storm; he is strong and he is smart enough to soar above it. Secondly, he wears no material crown.   We had just broken from the King of England. Also, notice the shield is unsupported.   This country can now stand on its own.   At the top of that shield you have a white bar signifying congress, a unifying factor. We were coming together as one nation.   In the Eagle's beak you will read, "E PLURIBUS UNUM", meaning "one nation from many people."

Above the Eagle you have thirteen stars representing the thirteen original colonies, and any clouds of misunderstanding rolling away.  Again, we were coming together as one.  Notice what the Eagle holds in his talons.   He holds an olive Branch and arrows. This country wants peace, but we will never be afraid to fight to preserve peace. The Eagle always wants to face the olive branch, but in time of war, his gaze turns toward the arrows.

They say that the number 13 is an unlucky number. This is almost a worldwide belief.   You will usually never see a room numbered 13, or any hotels or motels with a 13th floor.  But, think about this:
 13 original colonies,
 13 signers of the Declaration of Independence,
 13 stripes on our flag,
 13 steps on the Pyramid,
 13 letters in the Latin above,
 13 letters in  "E PLURIBUS UNUM",
 13 stars above the eagle,
 13 plumes of feathers on each span of the Eagle's wing,
 13 bars on that shield,
 13 leaves on the olive branch,
 13 fruits, and if you look closely, 13 arrows.
And for minorities: the 13th Amendment.

Why don't we know this? Your children don't know this and their history teachers don't know this. Too many veterans have given up too much to ever let the meaning fade.

Many veterans remember coming home to an America that didn't care. Too many veterans never came home at all.  Tell everyone what is on the back of the one-dollar bill and what it stands for, because nobody else will.