Veterans and Education: Are Our Veterans Getting the Education Benefits They Deserve?

In honor of Veterans Day and those who have served our country, we’d like to take some time to look at the educational benefits available to veterans and the men and women who currently serve. Veterans returning from military service are enrolling in college programs in record numbers, but many of our veterans are finding the college experience far less than favorable. They’ve fought for our country honorably – they shouldn’t have to fight for their education benefits too.

Let’s take a look at the education benefits available and how colleges across the nation are working to improve the services they extend to our veterans all the way from World War II to Iraq and Afghanistan.

The implementation of the new GI Bill, renamed the Post-9/11 GI Bill, helps to connect American’s veterans to higher education by significantly expanding the education benefits available to veterans. The new GI Bill helps veterans to earn their degree by paying the full tuition and fees at over 4,000 colleges and providing a monthly living and book and supply stipend.

But many still find that the government’s education programs for service members are inadequate. A loophole in the Bill can often make student loans non-deferrable. Loans can be deferred during times of military service, but when student loans are held by multiple banks, the deferment process can often be undermined. Roy Brown and Eli Williamson, two Army vets, decided to help. Brown and Williamson created Leave No Veteran Behind, a non-profit organization that helps struggling veterans manage their debt and pay off their loans. Loans that veterans take out before entering the service and classes that are interrupted by deployment, for example, are not covered under the GI Bill. The pair recently helped 26-year Air Force veteran Doris Barren, now 51, pay off her entire $5,000 student loan. As they see it, it’s one down, one million to go.

The “culture shock” of reclamation to the civilian world of college campuses is also difficult for veterans, a recent study from the National Survey of Student Engagement found. The transition from military to civilian life is unquestionably hard and the reported lack of support on college campuses can only make the transition more difficult. Of 11,000 veterans surveyed, many reported feeling “disconnected” from the school they attend. The report suggests that college campuses and administration seek out ways of more effectively engaging veterans and providing them with “supportive environments that promote success.” Brian Hawthorne, a student veteran who served twice in Iraq with the Army and is now a graduate student at George Washington University urges educators to understand the differences between veterans and traditional college students, and to provide student veterans with the network of support systems they need.

Many colleges are trying to combat these issues and make the higher education process and experience easier for veterans in hopes that, one day, organizations like Leave No Veteran Behind will be out of work. Colleges have traditionally given honor students and athletes first dibs on classes or “priority registration.” Now, across the nation, student veterans are being given the same opportunity. Prominent ground colleges, like the University of Arizona, are giving veterans the opportunity to register for classes early, ensuring that the classes they want and need to take are available. In 2009, the state of California mandated that all state schools give veterans and current service members priority registration. Additionally, online schools offer veterans a multitude of education opportunities with flexible class scheduling and extensive student services.

A number of corporations are also trying to increase the availability of education benefits for veterans by donating millions of dollars to veteran education programs. Microsoft has given $2 million in cash and $6 million in cutting-edge software to organizations that provide veteran education, skill training and job placement. The money will also be used for services such as career counseling and childcare. An officer in the Navy for nine years, Ross Janson is one veteran who has taken advantage of the Microsoft funding. Janson is taking computer and technology courses at Veterans Inc., one veteran’s organization that received Microsoft funding, to prepare himself for a civilian job in an increasingly tech-driven economy.

Department store super-power Wal-Mart has also contributed, giving $10 million over a five-year period to non-profit organizations that offer veterans job training and higher education or continuing education opportunities. J.C. Penny recently gave $1 million for 5,000 veterans to purchase business clothes for their new civilian workplace. Robert Kotick, CEO of Activision Blizzard, the gaming company which produces popular video games like Call of Duty, was persuaded by the sheer number of unemployed veterans to establish a $1 million foundation to support them. The company recently announced an additional $1 million gift.

Student Veterans of America, a student run organization which helps student veterans transition into college and earn their degree, is one of the countless student-run organizations that many colleges offer to their veterans. There are currently 300 college chapters and Michael Dakduk, the deputy executive director of the organization, hopes that the number of chapters nationwide continues to expand. Through his work, Dudak says what amazes him the most is the number of veterans “succeeding, despite the obstacles.”

Starting A Home-Based Business – The Tools For Guaranteed Success

Thousands of enthusiastic people are starting home-based businesses every single day, but 99% of those people will lose their motivation and eventually give up, assuming there really is no way to earn a full-time income from the comfort of their own homes. This is an unfortunate situation, but it is not really a surprising one, as nobody really takes the time to learn the real requirements that are needed to achieve success with a home-based business.

If you do in fact have a strong desire to start a business from home and work online towards earning a healthy income, then it can be done, but without the right tools to get the job done right, you cannot achieve any sort of real success. There are thousands of “opportunities” out there that promise big income with all of their “tools” and their “support”, but the truth is nothing really works quite like you hoped for, and the reason is simply because nobody will come out and tell you exactly how its done, until now.

If you want to build a real business and work it from home, you only need to focus on four pillars for success, they include:

1 – Product creation

2 – Traffic Building

3 – List Building

4 – Relationship Building

Let’s take a closer look at each of these pillars and you will then be empowered with everything you need to build a successful home-based business.

1 – Product Creation

If you want to make the most money possible, the plain truth is that you must create your own products. A great way to create in-demand products is to create what are known as “information products”. Find a niche with plenty of hungry buyers and write ebooks, create video courses, and build consulting programs that you can sell for lots of money. Trust me, people are paying big bucks for high quality information and help with their problems.

2 – Traffic Building

The bottom line is that you have to drive lots of quality traffic to your online business if you want to make money. This is where many people fall short, simply because they don’t know how to do it or they don’t know what to do for results. There are many great ways to drive very targeted leads to your business, article marketing being one of the best ways.

3 – List Building

A list is like a diary of your customers and those who have shown interest in your business, and if you want to make big money, you have to build a list from day one. There are many great ways to build a relatively big list in little time, so find the top ways to drive that traffic and you are well on your way to success.

4 – Relationship Building

In order to achieve success, you have to build relationships with those who are on your list. Luckily, there are some services called ‘autoresponders’ that will send out emails to everyone on your list in an automated fashion. This is truly a necessary tool in making your business as hands-free as possible and ultimately getting as much business as possible.

The Basics of CRMLA – Useful Information for Real Estate Buyers

It’s advisable for buyers of Rancho Santa Fe homes for sale to know everything they can that is related to real estate, including the laws that govern buyers, sellers, and even mortgage lenders. It’s essential to know these things to prevent any issues from happening during the home buying process.

Aside from the California Finance Lenders Law and the Real Estate Law, a law was enacted as an option to these laws that license lenders: the California Residential Mortgage Lending Act (CRMLA).

The CRMLA was passed in 1994 and started operating in 1996. It was enacted to give a licensing law to mortgage bankers that is purposely created to control their main tasks of originating and servicing mortgage loans. It is specially intended to regulate and authorize activities concerning mortgage banking, unlike the California Finance Lenders Law and the Real Estate Law.

Applicants of this act may acquire a license as a servicer, a lender, or even both. If approved, these licensees are authorized by the CRMLA to do the following:

- Make mortgage loans that are federally related

- Make loans to fund home construction

- Sell loans to investors

- Service loans

- Buy and sell loans that are federally related

- Give institutional lenders contract underwriting services

- Service any mortgage loans that are federally related not considering whether the loan is made or a servicing portfolio is purchased

- Give brokerage services to borrowers by means of trying to acquire a loan from another lender on their behalf

As required by the CRMLA, any individual who is in the business of servicing or making residential loans within Rancho Santa Fe and California must be licensed under the Act; however, there are some entities that are exempted from these licensing requirements. These include the following:

- Federal credit unions, federal savings bank, federally chartered loan and savings associations;

- Industrial loan companies, insurance companies, trust companies, banks;

- Individuals engaged exclusively in agricultural, commercial, or business mortgage lending;

- Credit unions, savings banks, and savings and loan associations that are authorized to do business in California;

- Municipal, state, and federal governments;

- Completely owned service corporations of savings banks or savings and loan associations;

- Individuals who act in a fiduciary capacity granted by a court’s authority;

- Pension plans that make residential loans to their members;

- Finance lenders in California;

- Licensed brokers in California; and

- Trustees in foreclosure procedures.

Licensed mortgage bankers under the CRMLA may be any one of the following:

- A person

- A sole proprietorship

- A corporation

- A partnership

- A limited liability company

- An association

- A trust

- A joint venture

- An unincorporated organization

- A joint stock company

- A government

- A government’s political subdivision; or

- Any other entity

Here are the requirements for applicants to acquire a license:

- Approval as a lender and/or a servicer from any of the following: the Federal Home Loan Mortgage Corporation, Federal National Mortgage Association, Government National Mortgage Association, Farmers Home Administration, Veterans Administration, or Federal Housing Administration

- Audited financial reports that show actual net worth of a minimum of $250,000