Tips for Testing out of College Courses

One of my goals when I enlisted in the USAF was to use military tuition assistance benefits and/or the GI Bill to achieve my college degree. I wasn’t sure how or where I would accomplish that goal, or if I would have to wait until I separated from the military so I could use the GI Bill.

Thankfully, I was able to use tuition assistance and earn my Bachelor’s Degree while on active duty. Of course, this took a lot of hard work and the cooperation of my supervisors, who allowed me to work the night shift for two years while I took night classes and correspondence courses. One of the big reasons I was able to complete my degree so quickly is because I was able to test out of about 10 college level classes by taking free college level examinations to receive credits that would count toward my college degree. In each instance the tests were free to take, saved me months of class work, and saved me money on books and unused tuition assistance and GI Bill benefits.

I want to share with you the types of tests available to military members, and how to pass the tests and gain college credits. And the good news is almost anyone can do it – all you need to do is take some time to study the practice guides and learn a few test taking skills.

Earning College Credits by Examination While in the Military

Military members have two basic types of college level exams available to them for free, and a third option which used to be free, but can still save you time and money:

  • CLEP Tests
  • DANTES Exams (DSST)
  • Excelsior Exams*

We’ll cover each of these and give a few tips to help you pass these exams and earn free college credits. *as of Oct 1, 2011, Excelsior exams are no longer free for military members.

CLEP Tests – College Level Examination Program

A CLEP test, or College Level Examination Program, is a standard college level exam program that is accepted by many colleges and universities around the US. There are  approximately 35 different exams you can take which, when passed, give you corresponding college level credits. Depending on the university, they may or may not apply to your GPA, since the tests are usually given on a pass/fail basis. Each of the 35 test can be taken via a computer based test, and there are 14 available in paper format.

You should expect to wait approximately 4-6 weeks to get your test results, and you can also opt to have the test results sent to your school, which makes it easier to have the college credits applied to your degree program (I recommend this if you are currently enrolled in a degree program as it will save you time and money). In most cases you will need to send away for an official transcript before you are able to officially apply these credits to your degree program, so it’s usually best to wait until you are done taking CLEP tests so you don’t have to pay for multiple transcripts.

Preparing for CLEP tests: There are specific study guides for each CLEP Test, and they are usually available at your base library. There may be a waiting list for some of the more popular titles, especially when it is close to graduation time as many people try to squeeze in extra credits to avoid waiting another semester to graduate. The study guides are usually multiple choice and are designed to test you on the topic, not teach you much new information. Because of this, I recommend studying the topic on your own to learn the knowledge before using the study guides. Note: Be sure you are ready to take the exam because you have to wait 180 days to retake it if you fail.

Here is more information for CLEP Preparation Resources for Military Service Members.

DANTES – Defense Activity for Non-Traditional Education Support

DANTES LogoDANTES, or Defense Activity for Non-Traditional Education Support, is a large educational program which supports the off-duty education of Department of Defense members. DANTES offers a variety of educational programs as well as a testing program which can help DoD members earn college credit for the education or experience they have. These tests, which are now known as DSST tests (formerly DANTES Subject Standardized Tests), are offered free to military members, DoD personnel, and some others. Learn more about eligibility.

DANTES does more than just offer the DSST exams, as they are also responsible for offering a wide variety of other tests and entrance exams available through your base education office, including administering the CLEP tests, Excelsior tests, and entrance exams such as the ACT, SAT, GMAT, GRE, and more. DANTES also runs the popular Troops to Teachers Program, which helps veterans begin a second career as a public school teacher, often by offering free or reduced education programs and/or grants.

Excelsior College Examinations

Excelsior tests are similar to the CLEP tests and DSST exams. Unfortunately, I just found out these tests are no longer paid for by DANTES: Effective October 1, 2011, DANTES will no longer fund ECEs. Even though these exams are no longer funded by DANTES, service members can still take these exams on their own dime, and they are still an option worth consideration. Visit www.excelsior.edu for more information about available courses and test centers.

Tips for Passing CLEP Tests and DSST Exams

I took and passed 10 CLEP, DSST and Excelsior exams on the first try. Want to know how I did it? There is no big secret here – I studied for the exams before taking them. But how I studied is more important than just saying I studied. Instead of grabbing the “Official CLEP Study Guide” or similar multiple choice study guide, I first visited the website and copied the outline for the exam (here is an example of the outline for the American Government Exam). The outlines give you a break down of not only the contents of the exam by topic, but the percentage those topics take on the exam. This helps you best know which areas to focus on when studying how to allocate your study time. From this outline, I researched each topic and created my own set of notes (just create an outline and spend a couple hours looking up each topic on Google – it works!). These customized study guides gave me enough knowledge to understand the topic and pass the test (remember, multiple choice study guides don’t teach you the subject matter, they only give you practice questions — learn the info first!). This process worked – I didn’t score the top mark on each exam, but I passed each test I took on the first try.

Which College Placement Exams are Best?

It’s best to do a little research before you get gung-ho and start taking every test in sight. The reason is that not all of these tests are accepted by each university or degree plan. In most cases, you will probably find the CLEP tests are more widely accepted than the other tests, but it varies by school. My recommendation is to first meet with your college counselor and come up with a degree plan and list of tests which will help you reach your educational goals.

The next tip is to make sure you are absolutely ready before taking the exam. You can retake CLEP tests without charge (but you have to wait), but recent changes in DSST exam procedures don’t cover the costs of retaking the exam if you fail, though you can still retake it if you are willing to pay for it yourself. Finally, don’t write off the Excelsior exams, even though they are no longer free for military members. If your degree program accepts the exams and you can work it into your schedule, then these exams may still save you a lot of time and money.

Testing out of College Courses Helped Me Achieve My Goals

My goal was to complete my degree as quickly as possible, so I met with my guidance counselor to come up with a plan that would help me achieve my Bachelor’s degree in less than two years. I had a head start from a year of college I took before I enlisted in the military, and I was able to apply quite a few credits from my military training, including credits for technical training and military leadership courses (the Community College of the Air Force and Professional Military Education (PME) played a big role in the credits I received for military training).

After applying these credits, I was able to take 10 classes via CLEP and DANTES exams, which shaved off over a full year of school and left me with less than two years worth of classes to achieve my Bachelor’s Degree. I took the remaining college classes via night classes that were offered on our installation, and via online courses while I was deployed to the Middle East. It was a challenge working the courses into my full-time military schedule, particularly while deployed, but I was motivated to achieve my degree as quickly as I could. Here is more about my experiences of taking classes while on active duty.

Do you have any advice for taking examination tests or testing out of classes?

Replacing Lost Military Records

Military records, medals, awards, and decorations are an important part of a veteran’s service record, and are often cherished by veterans and family members. But service records are also essential for establishing eligibility for certain veterans benefits programs. The most frequently requested document form the National Archives is the DD Form 214, proof of military service. This is one of the most valuable documents you will ever own, as it opens the door to a variety of benefits, such as the GI Bill, VA Loan, and possibly health care and other benefits. If you lose your DD Form 214, you should replace it immediately, since it can take some time to get a replacement.

This article will show veterans, their family members, and the general public how to request a copy of military service records, including DD Form 214, medical records, or other service records you may wish to obtain a copy of. Please click the following link if you are seeking information on replacing lost medals, awards or decorations.

Who Can Request Military Records?

The government does not release full military service information to everyone who requests it. If the service member is still alive, he or she is the only person who can request the full service records, unless the veteran has given written permission to another individual, or the records are needed as part of a court order.

If the veteran is deceased, the full military service records may be requested by Next-of-Kin (NOK). If you are not the veteran or NOK (as defined below), then you are considered to be part of the general public. Members of the general public may request limited service records through the Freedom of Information Act (FOIA). Let’s take a look at who the government considers to be Next-of-Kin, and who the government considers to be the general public (remember, these limitations are in place to protect your privacy).

According to the National Personnel Records Center (NPRC), Next-of-Kin includes:

  • For the Air Force, Navy, Marine Corps & Coast Guard, the NOK is defined as: the un-remarried widow or widower, son, daughter, father, mother, brother or sister.
  • For the Army, the NOK is defined as: the surviving spouse, eldest child, father or mother, eldest sibling or eldest grandchild.
  • If you do not meet the definition of NOK, you are considered a member of the general public.

How to Replace Lost Military Service Records

Because the National Archives houses service records for millions of military veterans, you will need to provide them with some information to help locate your service records. If you are the veteran, most of this information shouldn’t be too difficult to come up with. It’s also important to note that the National Archives processes over 1.4 million records requests annually, so to streamline the process, they generally only provide veterans and family members with a copy of the separation documents or DD Form 214, which are required for most veterans benefits. If you need additional military service records or your medical records, you must specify this when you make your records request.

Request military service records from eVetRecs

Use eVetRecs to request military service records online

To request your service records, you will need to make an online request via the eVetRecs System or by sending in a signed and dated copy of the SF 180, Request Pertaining To Military Records which you can download from the National Archives site, of from http://www.va.gov/vaforms/.

Here is a list of the basic information you will need:

  • The veteran’s complete name used while in service
  • Service number
  • Social security number
  • Branch of service
  • Dates of service
  • Date and place of birth (especially if the service number is not known).
  • All requests must be signed and dated by the veteran or next-of-kin.
  • If you are the next of kin of a deceased veteran, you must provide proof of death of the veteran such as a copy of death certificate, letter from funeral home, or published obituary.

It is also helpful to include additional information when making your request, such as the reason for your request (if you need additional documents) or a deadline if applicable – this can be common when applying for benefits such as a VA Loan, military burial benefits, Aid & Attendance Benefits, or other benefits which may have a deadline. (The National Archives tries to process “emergency” requests within two business days, so try to be prepared when sending in your records request).

The National Archives Fire of 1973. The National Archives experienced a massive fire in 1973 which damaged or destroyed service records for 16-18 million Army and Air Force veterans who were discharged between 1912-1964. In some cases the service records can be reconstructed from alternate sources such as base or unit level records, though in some cases, some records are completely destroyed. Records which fall into this category can take several weeks or longer to research and complete. You can read more about this incident and the efforts of those at the National Archives to reconstruct the records in this article.

Where to request your military service records: Military records are maintained at the National Archives in St. Louis, MO. You can request a copy of your records online, or by mail or fax. Be sure to sign and date your request.

NPRC Mailing Address and contact info:
National Personnel Records Center
Military Personnel Records
1 Archives Drive
St. Louis, MO 63138
NPRC Phone Number:314-801-0800
NPRC Fax Number: 314-801-9195

How Much Do Copies of Military Service Records Cost?

In general, a request for basic service and medical records is free for service members and next of kin, provided the request is for a non-archival service record. Military service records are considered to be archived 62 years after the service member separates from the military. Requests for a copy of a Official Military Personnel File that is archived wil be assessed a copying fee, which is $20 for a 5 page document, or a flat $60 fee for files which are more than 5 pages.

Christmas Gift Ideas for Military Members

Christmas is a great time for families to let each other know how much they love each other, but it can be difficult for military members and their families when they are serving overseas or are deployed during the holidays (I know, I’ve done both!). On that note, we put together this list of fun Christmas gift ideas for military members – hopefully some of these items will help spread the joy of the season and provide some down time while deployed or traveling. Here is the criteria we used for these gift ideas: the gifts must be functional, affordable, and useful for a military member or veteran. Bonus points were given for added utility for items that could be taken on a deployment.

Christmas Gift Ideas for Military Members

LED headlamp

LED headlamp

Hands free LED lamp. These are great for deployments, working on your car or in the garage, or any other time you need need to use both hands for a job. LEDs are preferred over standard lights because they are bright, don’t create much heat, and don’t eat batteries as quickly as normal incandescent lamps. In fact, these lights can often burn for hundreds of hours before the batteries need to be replaced. These lights often came in handy on the flight line while I was an aircraft mechanic in the USAF. You can find them at Amazon starting at around $10.

Shower Caddy

Shower Caddy

Shower caddy. Slogging through the sand and rocks to the shower tent is no fun – and neither is putting your soap and other toiletries on a community shower bench. Shower caddies are a great way to stay organized and keep your shower things clean and fresh. Shower caddies are also useful for regular traveling – I keep one locked and loaded for last minute traveling. Just grab it and throw it in your bag. You can find these at most department stores, or online at Amazon and other locations. Styles and prices vary, but you should be able to find a nice one for less than $15.

Gerber multitool

Utility tool. Every military member can use a utility tool – or two or three. I went through several of these during my years in the military. They are great for deployments, use during the line of duty, or for keeping in the glove box of your car. You never know when you will need a knife, screwdriver or other tool! My utility tool of choice is Gerber, but you can’t go wrong with a Leatherman or some of he other brands. You can find these at varying prices, starting around $25.

Emergency Hand Crank Radio

Emergency Radio

Emergency Hand Crank Radio. This emergency radio features AM/FM/NOAA Weather bands, a Flashlight, Solar Power and Cell Phone Charger. Simply pull out the handle on the side of the radio and start cranking, or put the radio in sunlight to charge the batteries. A USB port allows you to charge your cell phone or other small electronic device. The flashlight also comes in handy when night rolls around. This is a great gift for taking on a deployment, keeping in your emergency kit at home, or placing in your car. It costs $30 at Amazon.

F-15 Eagle

F-15 Eagle

Military artwork and lithographs. Most military members can relate their service to a particular base or weapon system. I spent 6 years as an aircraft mechanic on the F-15 and C-130 airframes. I think of the sights, sounds, and smells of the flight line each time I see or hear one of these birds. A great way to commemorate your service is by displaying a framed lithograph of your favorite base or special piece of equipment you are fond of. Military artwork can be found at many websites, but one of my favorites is AllPosters.com, which has an extensive selection of military artwork.

Military Coin Rack

Military Coin Rack

Military Coin Rack. Military challenge coins have been a source of squadron and unit pride for decades. If you have been around the military for a few years, chances are good that you have a fair share of military coins in your collection. A great way to display them is in a case specifically designed for military coins. There are several variations available including desk top stands, wall mounted display cases, glass covered cases, etc. I have even seen some glass topped coffee tables to display coins and other military memorabilia. This wall mount coin rack is around $45 at Amazon and will display 5 rows of coins, or around 50-60 coins.

Sony Portable DVD Player

Portable DVD Player

Portable DVD player. You may not need one of these if you have a laptop, but they can still come in handy, especially if your duties require you to stay in a fixed location for long periods of time, or if you travel frequently. The advantages of a portable DVD player over a laptop are a smaller size, better battery life, and increased portability. This portable DVD player from Sony costs around $70 at Amazon.

Garmin-nüvi-260W

GPS

Global Positioning System (GPS). GPS systems are awesome for frequent travelers, new drivers, or any time you travel to an unfamiliar area. I have a GPS in each car and I wouldn’t go on a long trip without one. I even pack mine in my carry on when I travel so I don’t have to worry about maps or paying extra from a rental car agency. These handy little units are coming down in price and can be had for less than $100. This Garmin unit is $99 and features a 5″ widescreen and free lifetime map updates. I have found the widescreen to be worth the extra money when purchasing a GPS unit, and the free lifetime map updates makes this an exceptional deal!.

Canon PowerShot SD1300IS

Digital Camera

Digital camera. There are literally hundreds of digital cameras to choose from, so we decided to go with a reliable and affordable name brand camera. You can’t go wrong with Nikon, Canon, or several other major camera producers. We chose the Canon PowerShot SD1300IS, which features a 12.1 MegaPixel with 4x Optical Zoom and 2.7-Inch LCD display for the low price of  around $145. Bang for the buck, you probably won’t find a lower price on a more reliable camera. It is currently on sale for 20% off at Amazon.

Amazon Kindle Fire HD

Kindle Fire HD

Amazon Kindle. There are several eReaders on the market now, but the Amazon Kindle and Barnes & Noble Nook are winning most of the praise for reviewers. I’ll give the nod to the Kindle simply because you can download the Kindle app for the iPod/iPhone, Mac or PC, or even BlackBerry, and stay in sync with your Kindle and any other device you use to read books. This means you will never have to worry about losing your place in your book again! The Kindle is lightweight, can store over 1,000 digital books and is a great deployment companion (here is a list of free Kindle books from Amazon). There are several versions of the Amazon Kindle available, starting at $69 for the base version, $119 for the Kindle Paperwhite, and $199 for the new Amazon Kindle Fire, which is the new color touch screen tablet which runs on a modified version of the Android platform and can be used for reading books, watching movies, surfing the web, playing games, and more. At $199, it is probably the most impressive item on the list.

ipod Touch 4th Generation

iPod Touch

Apple iPod Touch or iPad. I’ll lump these two items together, even though they are quite different in size and price. The iPod Touch is basically an iPhone without the phone. It can store thousands of songs, dozens of movies, hundreds of photos, games, apps, electronic books, and more. The iPad is a larger version of the iPod Touch, with a few more features. Both are compatible with the Kindle app from Amazon, which allows you to download and read eBooks. Which is better – iPod or iPad? That depends on the desired use, and the budget. The iPod is better for personal use and portability, while the iPad is better for sharing, playing games, or watching movies. The iPod can be purchased from around $200 and up and the iPad can be had for around $500. If you decide on the iPod Touch, I recommend getting at least 32GB of storage, as you will want to be able to store more music, movies, pics, etc. The 32GB 4th Generation iPod touch rings in at $235. The current generation iPad starts at $550, but look for them to come down in price in the near future.

Toshiba Windows 7 laptop

Laptop

Laptop. Laptops are great for deployments – I used mine frequently, as I was enrolled in online classes while deployed. This enabled me to type my term papers, study, download the photos I took, and watch movies in my downtime. There are a wide range of laptops for every need and budget. On the low end, you can buy a netbook running the latest edition of Windows, starting around $230. These are smaller and lighter in size and are great for deployments (the only downside is many of them do not come with a DVD drive). A full sized PC laptop running the newest version of Windows – Windows 8 – can be had for less than $420 and offers hours of utility and entertainment. If you are a fan of Macs, then you can buy a base model MacBook for around $1000. You can get one for around $850 if you buy a refurbished model from the Apple Store, check them out at the Apple Certified Refurbished MacBook Department at the Apple Online Store.

Additional gift ideas for frequent travelers: Military members who travel or deploy frequently can use a few other gift ideas to make their travels a little easier. Some great gift ideas include 8′ retractable clothesline for when you need to do your own laundry ($12.50), inflatable travel pillows ($20), a luggage trolley ($25), and alarm clock with iPod dock ($42).

Shop around for the best deals. Many of the links in this article point to Amazon.com because that is one of the best places to do some quick comparison shopping. Amazon is also attractive because they ship to APO/FPO addresses and often feature free shipping when you spend a minimal amount (usually $25, but it may vary). You should always shop around for the best deals. Check out these Best Buy coupon codes, for example.

More Christmas gift ideas for everyone:

Do you have any other Christmas gift ideas for military members?

Replacing Lost Military Medals and Decorations

The military recognizes that military medals are often a cherished part of family history and makes replacement medals, decorations, and awards available to veterans or their next of kin if the veteran is no longer living or able to make the request on his or her own behalf. Requests for replacement medals, decorations, and awards should be made to the veteran’s respective branch of service, with the exception of Army and Air Force (including Army Air Corps) veterans; requests should be sent to the National Personnel Records Center (NPRC) in St. Louis where the records will be reviewed and verified. The NPRC will then forward the requests to the respective service where the medal, decoration, or award will be issued.

Who Can Request Replacement Medals or Decorations?

how to replace military medals and decorationsThe military won’t issue replacement medals or awards to just anyone. You typically need to be the veteran or next of kin to receive a replacement medal or decoration.

Are you Next-of-Kin, or part of the general public? When it comes to military records requests, there are three categories of people who can make a request. They include the veteran, Next-of-Kin (NOK), and the general public. It is important to note that Next-of-Kin doesn’t include all familial relationships. According to the National Personnel Records Center (NPRC), NOK includes:

  • For the Air Force, Navy, Marine Corps & Coast Guard, the NOK is defined as: the un-remarried widow or widower, son, daughter, father, mother, brother or sister.
  • For the Army, the NOK is defined as: the surviving spouse, eldest child, father or mother, eldest sibling or eldest grandchild.
  • If you do not meet the definition of NOK, you are considered a member of the general public.

How to submit a request. Replacement medals, decorations and awards should be requested on SF 180, Request Pertaining To Military Records. This form can be downloaded from http://www.va.gov/vaforms/. Each request should be filled out neatly, and should include the veteran’s branch of service, social security number, dates of service, and it should be signed by the veteran or the next of kin if the veteran is incapacitated or deceased. Supporting documentation such as discharge paperwork or the veteran’s DD Form 214 or other military records can help speed the process. Additional information on where to send the form and who is eligible to make the request can be found at the NPRC website.

How much does it cost? In general, requests made by the veteran are fulfilled at no cost. This includes requests made by family members who have the signed authorization of the veteran. There may be an associated fee for requests made by next of kin, especially if the request involves archival records (records are considered archival records 62 years after the veteran’s date of separation from military service). Members of the general public may be able to request a copy of the servicemember’s military records, but are not able to receive a medal issued by the service. However, they would be able to purchase these from commercial sources.

Photo credit: The U.S. Army.

How to Get a Military ID Card

A military ID card or dependent ID is a valuable card which can unlock a variety of valuable benefits, such as health care through TRICARE, education benefits, and access base facilities, including the commissary, base exchange, rec centers and other support agencies.

Unfortunately, getting a military ID card isn’t always as easy as waltzing onto your local military installation and requesting one. In fact, only certain individuals are eligible to receive a military ID card or dependent ID card. You are usually eligible to receive a military ID if you are a military retiree or are currently in the military (active duty, Guard, Reserve, or Inactive Ready Reserve). Certain dependents are eligible for dependent ID cards as well (see below).

new-dod-id-cards

Are you eligible for a military ID card?

What about a veteran ID card? One of the most common questions we receive comes from veterans who are looking to get a veteran ID card which proves their military service. There are many reasons why proof of military service can come in handy – including securing veterans benefits, proof of service for military discounts, or just to show off your military pride. However, if you served in the military and have since separated from, but didn’t retire from the military, you may not be eligible for a military ID card.

In this article we will cover information about some of the forms of military ID that are available, who is eligible to receive one, and alternative forms of identification to prove military service if you are a military veteran who is not eligible for a military ID card.

Military ID Card Eligibility

In general, you must be in the DEERS system to receive a new military ID card. This includes the servicemember (sponsor) and eligible dependents (who must be entered into DEERS by the sponsor). Here are some general rules regarding military ID card eligibility. Check with your local issuing base personnel office more more specific information.

  • Active Duty ID card. You must be on Active Duty military status and be in the DEERS system.
  • Guard/Reserve Military ID Card. You must be in the Guard or Reserves, which may include the Inactive Ready Reserves (IRR).
  • Retiree Military ID Card. You must qualify as a military retiree, which generally means 20 years of active military service, or 20 years in the Guard or Reserves (though age limits may change eligibility requirements for Guard/Reserve retirees). Medically retired servicemembers may also be eligible.
  • Military Dependent ID Card. These may include, but are not limited to: Lawful spouse, un-remarried surviving spouse, unmarried children (including adopted or stepchildren) who are: under 21 years of age, over 21 but incapable of self-support (documentation is required), over 21 but under 23 who are attending an approved learning institution as a full time student (documentation is required). There are additional eligibility rules for former spouses, dependent parents/in-laws, and certain other cases. Contact your card issuing service for additional information.
  • Veteran ID Card. This is where it gets a little tricky. There is no official DoD issued military veteran ID card. However, the VA medical system may issue ID cards for veterans who are in their system for service connected disability benefits and certain other situations. (see below).

How to Get a Replacement Military Dependent ID Card

In addition to being in the DEERS system, you will need at least 2 forms of ID. For more information about where to go, contact your local base personnel office, or visit the Rapids Site Locator (RSL) for ID card requirements and to locate the nearest ID Card Facility/RAPIDS Station based on City, Zip, State or Country.

Veterans ID Cards

department of veterans affairs id cardAs we mentioned above, not all veterans are eligible for a military ID card. But there may be ways you can still prove your military service. Some states, including Virginia, issue state issued veterans ID cards. Some other states may include an endorsement on their state issued driver’s licenses or ID cards. If this is the case, you should be able to get an ID card through your state (note: not all states offer these cards at this time).

The VA also issues a Veterans Identification Card (VIC), which is a photo ID for veterans who are eligible for VA health care. (note: you do not have to have a service-connected disability rating to be eligible for VA health care benefits). The VIC is a photo ID and you will need to qualify in order to be eligible this ID card. Here is more about how to get a Veterans Identification Card from the VA, and VA health care eligibility.

If you do not have access to the above veterans ID card options, you may still be able to prove your military service in other ways.

Your DD 214 Will Prove Military Service

The easiest way to prove your military service without one of the above ID cards is with a DD Form 214, which is the document which serves as your service record. This is issued to all military members when the separate from military service (the military used to issue a wallet sized DD Form 214, but so far as I know, this is no longer the case).

Unfortunately, carrying around a letter size document is inconvenient. One tip we have received from many veterans is to take your DD Form 214 to an office supply store such as Office Depot, Office Max, Fed-Ex/Kinkos, etc. and ask them to shrink the card to a wallet size version and have it laminated. This will give you a wallet sized document that will prove your service.

Note: Your DD Form 214 is one of the most important documents you will receive, so keep good care of it! Here are more details on the DD Form 214, including how to get a new DD 214.

How You Can Get an ID Card to Prove Military Service

Unfortunately a DD Form 214 isn’t a photo ID, it is simply a document. If you are looking for a photo ID or other wallet sized ID to prove your military service, then these may be good options for you:

  • Department of Veterans Affairs ID Card. This ID card is issued to military veterans who are eligible to receive medical care from the VA. Contact your local VA medical center for more information about your eligibility.
  • State Driver’s License. Some state driver’s licenses display a logo or code that denotes military service. Call your state Department of Motor Vehicles, or licensing branch for more information. You will likely need to bring your DD Form 214 to prove your military service. See a full list of states which offer a veterans designation on drivers licenses or state issued ID cards.
  • State or County Veterans ID Card program. Some counties or other communities issue veteran ID cards. These aren’t “official US or state government IDs,” but they may be valuable in the local community, as many restaurants and retailers will extend discounts as a thanks for your service. These cards may also be good for local or county benefits programs, but these vary by locale.
  • Veterans of Foreign Wars (VFW) Card. Check with your local VFW for eligibility requirements.
  • American Legion membership card. Check with your local American Legion for eligibility requirements.
  • Other service organization ID card. Check with your local military organization for eligibility requirements.

Do you know of any other forms of ID that can be used to prove military service? If so, please contact us. We will add it to the list.

VA ID Card photo source: WikiMedia Commons

IAVA & JCPenney To Give Away $200 JCPenney Gift Cards to Returning Vets

Great news for military veterans returning from service in Iraq and Afghanistan. J. C. Penney Company, Inc., and Iraq and Afghanistan Veterans of America have teamed together for hte “Welcome Heroes” campaign, which will support veterans of the Iraq and Afghanistan campaigns more than $1 million in apparel to help them start a civilian wardrobe. This is a great help for those who are looking to create a civilian wardrobe for their job search, or just looking for some recreational clothes.

JCPENNEY AND IAVA HONOR RETURNING VETS

J. C. Penny and IAVA Honor Returning Vets

How to win $200 in J.C. Penney gift cards

IAVA and J/C/ Penney are giving away 6,250 J.C. Penney gift cards to IAVA members in good standing in a random drawing. Here is the info you need to register for your chance to win:

  • Eligibility: This program is only open to those who served in Iraq or Afghanistan, and eligible veterans must first register for a free membership at IAVA.org.
  • Once you register, you must enter at: therucksack.org
  • Entry period is Oct. 20 through Nov. 20
  • 6,250 winners will be randomly selected and notified via e-mail.

The $200 in merchandise certificates will be e-mailed to the winners and they will be good for use toward the purchase of men’s or women’s apparel available at jcpenney or jcp.com.

You can learn more in the press release.

About IAVA. Iraq and Afghanistan Veterans of America (IAVA) is the country’s first and largest nonprofit, nonpartisan organization for veterans of the wars in Iraq and Afghanistan and has more than 200,000 Member Veterans and civilian supporters nationwide. Its mission is to improve the lives of this country’s newest generation of veterans and their families.

About J. C. Penney Company, Inc. J. C. Penney Company, Inc., one of America’s leading retailers, operates over 1,100 jcpenney department stores throughout the United States and Puerto Rico, and the can be found online at http://www.jcpenney.com/

Dollar Cost Averaging: Investing in Turbulent Markets

If you’ve been following the financial markets at all recently, you know that things have been turbulent. For many people, all this turbulence is scary. After all, how do you know when to put your money in the market — and when to pull it back out?

The good news is that you don’t actually have to know when to put money in and pull it out if you consider using an investing strategy called dollar cost averaging. It’s a strategy that works for long term wealth building using the stock market.

What is Dollar Cost Averaging?

Quite simply, dollar cost averaging requires you to invest a regular amount of money, at regular intervals. Many people choose to invest a set amount of money each month. A good example of this is automatic investing through your Thrift Savings Plan, 401k, or other allotments.

Most investments, whether individual stocks or funds, will allow you to buy partial shares. So, if you have $300 each month that you want to invest in an index fund with a price of $126 a share, you would be able to purchase 2.38 shares.

Every month, you invest that $300 (usually the help with automation), and you purchase as many shares as your money will buy on the day the order goes through. So, if the share price goes up to $150 a share, you will buy two shares. However, if the price falls to $100 a share, your investment will purchase three shares. The benefit is that you aren’t buying as many shares when the price is high, and you are buying more shares when the price is lower (remember, the goal is to buy low, sell high).

The idea behind dollar cost averaging is that, eventually, it all evens out in terms of overall cost. Sometimes you will pay less for your shares, and sometimes more, depending on the market. The important thing with dollar cost averaging is investing consistently.

Why Should You Consider Dollar Cost Averaging?

The reason that dollar cost averaging is so effective is due to the fact that you can get started fairly easily, and with a small amount of money, and consistently invest over time. You don’t need a huge amount of capital to get started. You can start a TSP account of 401k plan with as low as 1% of your salary, and some plans even allow you to begin investing with less than that. For example, many online brokers will let you get started with an initial deposit of between $25 and $100, and a monthly investment of between $25 and $50. You can set it up so that your investment comes out of your bank account automatically, each month, on a certain day. Most brokerages will also allow you to make a recurring investment, so your investing is totally automated.

Throughout all this time, you are investing consistently. Even when the market is down (more shares for your money!), you continue to invest. Historically, the market rises over time. With a buy and hold strategy that involves an index fund or a very carefully chosen stock (consider a dividend aristocrat; many online brokerages will automatically reinvest your dividends without charging a transaction fee), you can build your wealth gradually, benefiting from the fact that you are consistently buying shares. For most of us “regular” folks, that’s the best we can hope for — and it’s a fairly tried and true way to build wealth while limiting risks.

There is still risk involved in investing, of course, and you still need to be careful. However, you can reduce some of your risk, and build a consistent nest egg, if you follow a dollar cost averaging strategy.

Free Admission to Anheuser-Busch Adventure Parks – Salute to Heroes

Anheuser-Busch Adventure Parks offers military members a great deal with their Salute to Heroes program. Throughout this year, military members can receive a free park ticket to an Anheuser-Busch Adventure Parks, including Sea World, Busch Gardens, Sesame Place, Sea World, and Water Country USA.

Free Admission to Anheuser-Busch Adventure Parks for military members

Anheuser Busch Heres to the Heroes

Free Amusement Park Tickets for Military Members

Here are the key details for free tickets:

The Here’s to the Heroes program offers complimentary admission for active duty military representing all five service branches, active members of a reserve or National Guard unit, and/or up to three direct dependents.

Valid for one complimentary single-day admission per person, per year, to one of the following Anheuser-Busch Adventure Parks:

  • Adventure Island
  • Busch Gardens (Tampa Bay or Williamsburg),
  • SeaWorld (Orlando, San Diego, or San Antonio)
  • Sesame Place
  • Water Country USA.

Offer good through 12/31/2012. Not valid at Discovery Cove and Aquatica or Christmas Town at Busch Gardens in Williamsburg, Va.  Operating days and hours vary by park. Please check with specific park for current operating schedule.

How to get your free tickets to Anheuser-Busch Adventure Parks

You will need to visit the official Salute to Heroes website and fill out the ticket application. You will need to fill out the application and send it in, or you can fill out a registration form at Guest Relations at the park.

Have a great time!

New Career Resources for Military Veterans

I’m speaking from personal experience when I say that finding work after separating from the military can be a difficult endeavor. It took me six months to land my first post-military job. Thankfully unemployment benefits helped bridge the income gap while I was searching for work. Unfortunately, the overall economy is in poor shape right now and many veterans are facing an uncertain employment landscape and are finding it increasingly difficult to find work. That is why President Obama and the Department of Labor  are working to create programs for out of work military veterans. There are three new programs we will cover in this article – hopefully one of them will help you on your search for a new job.

New Career Resources for Military Vets

The three new job search resources are as follows: My Next Move for Veterans, the Veterans Job Bank, and the Veterans Gold Card. These new resources help you translate your military skills into related civilian jobs, search jobs in a job search database open to military veterans, and get personalized one on one job counseling from one of over 3,000 One-Stop Career Centers in the nation.

My Next Move for Veterans

My Next Move for Veterans

Translate Your Military Skills into Civilan Terms

Have you ever wondered how your military skills translate into a civilian job? If so, you are not alone. Military members have a variety of skills, but not all of them easily translate into the civilian sector. But a new tool from the Department of Labor, My Next Move for Veterans, makes it easier to do just that. Simply visit the site and enter a few things about yourself to help determine where your skills and interest lie, and how you can use those skills and interests in the civilian sector. You can even select your branch and MOS and the skills translator can help you find similar jobs in the civilian sector. You can also find information about various civilian jobs, including information about salaries, apprenticeships, and other related education and training programs.

The Veterans Job Bank

National Resource Directory Veterans Job Bank

Search a National Job Database

The Veterans Job Bank is another tool available for military veterans. This tool helps connect unemployed veterans to job openings with companies that want to hire them. There are currently over 500,000 jobs listed in the database, with more jobs being added as they become available.The Veterans Job Bank allows users to search for jobs using their current location, military occupation Code, or by keywords. You can use this widget, which the National Resource Directory was kind enough to provide for our readers, or visit the Veterans Job Bank website.

Veterans Gold Card Employment Program

Veterans Gold Card - Employment Assistance for Military Veterans

Veterans Gold Card - Employment Assistance for Military Veterans

It might sound like it at first, but the Veterans Gold Card is not a military credit card- it’s much better than that. The Veterans Gold Card is a new program designed to give post-9/11 era military veterans one on one career counseling and job finding assistance. The Veterans Gold Card is a joint effort from the Department of Labor’s Employment and Training Administration (ETA) and the Veterans’ Employment and Training Service (VETS).

To use this program, eligible veterans simply need to can print a Gold Card and visit his or her local One-Stop Career Center. From there, the veteran is eligible to receive one-on-one job counseling for up to 6 months. Some of the available services may include:

  • Job readiness assessment, including interviews and testing;
  • Development of an Individual Development Plan (IDP);
  • Career guidance through group or individual counseling that helps veterans in making training and career decisions;
  • Provision of labor market, occupational, and skills transferability information that inform educational, training, and occupational decisions;
  • Referral to job banks, job portals, and job openings;
  • Referral to employers and registered apprenticeship sponsors;
  • Referral to training by WIA-funded or third party service providers; and
  • Monthly follow-up by an assigned case manager for up to six months.

Eligible veterans can print a Gold Card here.

Finding a job after your military career isn’t always easy, but hopefully these tools will make things easier for you. Thanks for your service!

Southwest Airlines Rapid Rewards® Plus Credit Card – Free Airline Ticket

My favorite discount airline is Southwest Airlines. They don’t have hubs everywhere, but they happen to fly in and out of the areas I travel to most frequently, so it works out very well for my situation. Southwest Airlines also usually has the cheapest flights to the locations I fly to most frequently, and they don’t charge for your first checked bag, which is rare these days. The Southwest Airlines Rapid Rewards Program is also a great way to save points which you can redeem for future flights. If you like to fly Southwest Airlines too, then I recommend checking out the Southwest Airlines Rapid Rewards® Plus Credit Card, which is currently offering new account holders a sign up bonus good for a free flight after you make your first purchase. That’s a solid deal!

Free Flight – Southwest Airlines Rapid Rewards® Plus Credit Card

Southwest Airlines Rapid Rewards® Plus Credit CardFor a limited time, you can sign up for a new card and earn points based on your initial purchases. You can redeem these points for a free round trip airline ticket.  These points are good toward a free flight anywhere Southwest Airlines flies, or they can be redeemed for international travel, hotel stays, gift cards, and more.

Card holders also have the ability to earn unlimited free flights by earning additional points through purchases on Southwest Airlines and by making everyday purchases. Cardholders will also be able to check their bags for free (currently Southwest only allows 1 free checked bag for non- cardholders; cardholders get 2 free checked bags). This is a big savings if you have a large family.

There are no blackout dates and your points and rewards never expire. Best of all, you won’t be charged a fee if you need to change your flight reservations. This gives you the ability to lock in the cheaper early bird rates, then change your flight reservations at a later date if your travel plans change. This can add up to a large savings if you have an irregular travel schedule.

How do the rewards add up? In addition to the initial sign up bonus which can be redeemed for two free flights, cardholders will earn points for everyday purchases. You will receive 2 points per dollar spent on Southwest Airlines flights, 2 points per dollar spent on Southwest Hotel and Car Rental Partner purchases, and 1 point per dollar spent on everything else. Cardholders also receive a 3,000 point bonus on your annual anniversary, which is equivalent to $50 t0ward a Wanna Get Away® Fare.

There are only two downsides that I can find with this card, and neither are a deal breaker for most people. The first, is that there is a $69 annual fee. This is basically covered by the 3,000 bonus points you receive each year, which are good for $50 t0ward a Wanna Get Away® Fare, leaving a difference of $19 for the annual fee. To put that in perspective, most airlines charge more than $19 to check a bag or change a flight reservation (both of which you are free for cardholders). The other downside of the card is that Southwest doesn’t fly everywhere, so this card is best for people who fly Southwest frequently. If you don’t frequently fly on Southwest Airlines, the I recommend you check out these military credit cards for other great options.

Who is this card for? This is a great card for people who frequently travel on Southwest, particularly if they check bags or might need to change their travel arrangements.  Visit the Southwest Airlines Rapid Rewards® Plus Credit Card review for more information.

Here is a recap of the benefits:

  • Now! Earn a Free Flight after your first purchase
  • Get 3,000 Points every year on your Card member Anniversary – that can be redeemed for a $50 Wanna Get Away® Fare
  • Now you can redeem for International Travel, Hotels, Gift Cards and more.
  • Earn unlimited Free Flights – 2 Points per $1 Spent on Southwest Purchases and 1 Point per $1 Spent on Everything else
  • Your Bags Fly Free! No Blackout Dates, Points Don’t Expire, and Unlimited Reward Seats!
  • No Change fees – if you need to change your flight, you won’t be charged a fee.
  • September 11th Security Fee Applies.