Spouses Archives ~ The Military Move

Power of Attorney – 5 Reasons You Must Have One

January 26, 2018 6 Comments

I can’t tell you how many times I have called a company to deal with my husband’s bills or handle something, and I get, “We can’t discuss that with you!” Sound familiar?

I handle everything in my household – EVERYTHING. So that was a big issue for me. Even if you don’t handle everything, there may come a day when your spouse is deployed or gone and you will need to manage things.

This is why you must make getting a Power of Attorney a TOP priority.

I will give you 5 reasons this is so important and how it can help your family.

*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Power of Attorney - In Simple Terms

So what is a Power of Attorney?

It is a legal document that allows you to act on behalf of another person. Both people are present when you apply for one, and you need a witness to sign as well.

Your base should have resources to have this done in under an hour (as well as witness for you). Ours was done at our PSD office. However, you can download a PDF copy of one here.

There are TWO kinds – General and Special.

A general POA allows you to do most things. However, some companies or banks want it spelled out. This is where a special POA comes into play. I have both.

A special POA spells out EXACTLY what can or cannot be done. The person may wish that you can handle their bills, but not withdraw money or take out loans. This gives you some access, but not all.

How much access you have all depends on the person granting the access – which is a serious conversation you should have. Here is some more in depth information to read up on should you want too.

Below are 5 reasons, or areas, on why you need one.

1. Mortgage or Rental Agreements

My situation is unique. Our mortgage is only in my husband’s name, so they would never talk to me without his authorization. When Hurricane Irma hit and we had damage, they would not speak to me about the insurance claims (which I am co-listed on).

When you get a specific POA, ensure that you can handle mortgage or rental agreements. This means you can dispute and/or verify payments, claims, interest, property taxes, escrow, etc.

If you are in a rental, you may need to deal with the property management team if you are not listed on the lease (which can occur for engaged couples, those dating, even Newlyweds).

One of the biggest reasons – your spouse has to transfer, but you do not have a buyer yet on your house. Well to keep your spouse from traveling back and forth for closings and such – you can add real estate transactions.

Moving soon? Check out the resources on the moving page or grab my complete Moving Guide and PCS Notebook Guide for FREE here.

2. Banking

My husband and I have been together for 11 years. He trusts me implicitly. He knows that my goals are for financial freedom, retirement, college tuition for our girls – basically, I am not going to frivolously spend all his money when he away.

If you and your significant other have the same goals, you may want to consider adding banking to your POA. I can take loans (which I hate, but can do) for let’s say a new vehicle if I had too, or repairs on our house that aren’t covered by insurance, etc.

I was even able to lower my husband’s interest rate on his credit card.

3. DEERS

Is your spouse deployed for the birth of your child? I hope not, but in the unfortunate case that he/she is, you will need to register your child in DEERS. Having this listed on your POA will help you add or enroll dependents as well Tricare.

4. Household Goods and Vehicles

One of worst things about moving is . . . well moving. When you have to PCS without your spouse, you need to be able to deal with shipping and receiving your stuff (including your vehicles). You may also need to be the person to deal with claims on damaged or missing items to ensure you receive reimbursement. Read the article on why I stalk my movers here.

Side note – To ship a vehicle, you must provide a VIN number and a location on your POA – to ship goods, they can put to any location.

Moving soon? Grab your PCS guides here.

5. Military Housing

Unlike buying a house where you need attorneys and banks, military housing/quarters typically deals with the member. Regardless if you are on the lease or not, they will want to speak with the member to accept and pay monthly allotments. In order to accept or decline, sign for housing, and possess the unit, I would include this. It also allows you to speak with them about monthly allotments.

At many locations, housing is mandatory or requires a waiver to decline housing. This is where this will be necessary if your significant other is deployed.

Power of Attorneys are important for military spouses as well as civilians. There are specific types for whatever sector you are in – this covering military POAs specifically.

Be sure to call all of the places you do business with before your spouse deploys to ensure they will accept your POA and that they do not have one of their own.

I recommend sitting down and discussing how and in what ways you can be more involved.

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

About the Author

Kelsey Ramirez is a Real Estate Broker in western Washington. She is also a veteran elementary school teacher, military wife, and mom to two daughters. She is the founder of The Military Move, a military-based website to help families in the PCS process. Kelsey loves to travel, write, and create amazing content. She has her Masters in Technology, which she uses to learn all new things digital.

With three decades of military support, Kelsey’s mission is to help new and existing military families in their unique adventures through all military topics including PCSing, budgeting, school choice and rights, housing, and especially just being a military spouse.

Moving, Spouses, Travel

Why It’s Absolutely Fine to Stalk Your Movers

January 7, 2018 No Comments

Why I Stalk the Government Movers

There are opposing views to this idea, and that is okay! Some feel the need to stay out of the movers way and let them do their job.

But the other group feel compelled to be more “involved,” and that is perfectly okay. After all, the stuff in your home is your stuff – everything you have worked for or been gifted. You are placing that in someone else’s hands.

Let me give you some examples: When we filed an insurance claim after a hurricane hit our home – I made sure my roofer and I were there to ensure that he saw everything. When my father was having his house built, he went every week to see the work site. As a teacher, I welcomed parents in to see my method of teaching – it is their child.

There is oversight in many jobs. I don’t just walk away from a teller and trust that he/she will deposit my money because that is his/her job. So personally, I am not just going to sit on my couch while they do theirs. But that is me.

So if you are the type that “hovers,” you have the right too and should – but remember, they have a job to do so you can provide conversation while you do so to not make it so awkward.

To Feed or Not to Feed

You may be anxious to do a government move after hearing the horror stories from other military families. However, many veterans have come up with ways to show appreciation towards the movers and perhaps also woo them into being more careful with their stuff.

First, the question comes up each year in spouse groups about what to do with military movers. Should you feed them, tip them, etc.

Bridget from https://nuttyhiker.com says – “ I feed them lunch (usually pizza) and also have water’s and Gatorade as well as snacks for them.”

Diane from www.thewanderingrd.com states, “We always feed the movers lunch and provide plenty of bottled water. We typically give them some options and ask their preference. No, I don’t make them eat healthy! It’s more about pleasing them…When we lived overseas, I asked around and the convention was to provide some American “delicacies” like Coke and homemade chocolate chip cookies, which they took home to their families.”

Amy from Mehmomblog.wordpress.com says, “Our first move when the movers packed us we just got Gatorade and had bottled water available. Our budget was tight so we didn’t buy food, but they really appreciated the Gatorade. We’ve been overseas since then so we get the movers American snacks and chips they don’t have here. I always make sure there’s enough for them to take home and share with their families.”

Sybil from mamasandcoffee.com adds, “When they 1st arrive I let them know what areas to pack vs. staying with us (I try to put those items in a small closet or bathroom).”

Stalking the Government Movers

When your movers come, they will each pick a room and will start packing up your goods.

First things first, I pack ALL irreplaceable valuables in my household goods container that always travels with me. This includes all my jewelry, my laptop, my PCS notebook (which you can sign up for below to get FREE), my hard drive with thousands of family photos, cash, and any family heirlooms that I deem appropriate.

Remember, the packers are going to go through everything that is not already in a sealed box, so if you have some things you would rather not be seen – go ahead a box those ahead of time.

However, if you are going overseas – it cannot be packed as it must be inspected by the packers (so perhaps put your valuables or dirty secrets into your personal luggage).

Secondly, IF both of you can be home, great. I am not afraid to stalk my movers during government moves. Why? Because I want to make sure my stuff is being taken care of and appropriately boxed.

This IS your STUFF. Remember that.

We moved between rooms focusing on the bedrooms or rooms that had things that may “walk away.” This is uncommon, but it does happen.

Personally, I have a DITY move labeling process that I do when we move ourselves. The movers will have their process to by labeling each box (you will find stickers on things years after your moves). However, you may be able to convince them to allow you to use this common method too.

Click here for the post on my method complete with your downloadable checklist.

Transferring the Moving Boxes/Furniture

This is where my heart stops. Watching my stuff be handled.

Why?

Because this is where furniture gets dinged and scratched. I watched my $4,000 bedroom set that was our wedding gift to ourselves get 4 separate dings (1 on the outbound, 3 on the inbound).

Not to mention the walls and door frames. Yes, our drywall got so many chips from moving furniture up and down stairs. However, I stalked them by watching them. They were more careful when I was there watching it going in and out. They may not like it, but it’s MY stuff.

All your stuff will be put on a moving truck (depending on the size of your HHG, it could be with other HHG’s too), which is why I use my labeling method.

Helpful Hints to Know

Packers will pack EVERYTHING (except the no can do list).

Yes, they will pack the trash bins with trash in them – it happens – ALL THE TIME.

They will pack your dirty, smelly laundry in the laundry basket – yes, it happens!

Things Government Movers Will Not Pack

Click here to see the full downloadable PDF from the State Department.

Have experiences or comments you would like to share? Put them in the comments below.

About the Author

Family, Housing, Spouses

Making Sure You are Prepared For An Emergency

September 3, 2017 2 Comments

How Do I Know

I was 3 when Hurricane Hugo hit South Carolina, living in Myrtle Beach, we had to evacuate. Hurricane Matthew last year forced us to evacuate when it was projected to be a direct hit as a Category 4.

Luckily, we did not see the devastation as it downgraded and skirted more north.

However, I did stay through Hurricane Bertha, Hurricane Gaston, Hurricane Ida, Hurricane Fran, Hurricane Irene, and Tropical Storm Sandy (which hit us on the southern end in Maryland).

I learned several key things through going through those storms that I want to share.

Search and Rescue

My husband conducted search and rescue for 8 years prior to us coming to a security unit. I know how hard that was on him after back to back missions, so I cannot imagine how days of continuous rescues would be after watching the aftermath of Hurricane Harvey.

Search and rescue during city wide emergencies takes the community coming together.

I was so touched and thankful for the residents of Texas at how they came together to help their neighbors.

Complete strangers, such as the Cajun Navy, came with their boats ready to step in and help local officials.

Millions around the country donated, and emergency personnel including police, fire rescue, National Guard, and the Coast Guard worked around the clock.

However, as tirelessly as they worked, there was loss of life, and I want to help lower those chances!

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Search and rescue during emergencies takes the community coming together

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Planning for an Emergency

Emergencies are not always forecasted. You cannot plan for tornadoes, flash floods, or earthquakes.

However, these events can wreak havoc on homes and families. Some people like to be spontaneous, but in this case, it’s important to have a plan for the “what-if.”

Emergency Notebook

I have a PCS (permanent change of station, for my non-military people) Notebook that has every important document I need when we move.

This serves a dual purpose because when we evacuate for storms (which can be at least once a year), I throw that notebook in my car. Want to know what I think should be in your PCS/evacuation notebook (or want a sneak-peek into mine)? If so, enter you email below and I will immediately send you the pdf.

Home Emergency Supplies

Whether it be a hurricane, tornado, earthquake, or minor flood, these items will help if you have them on-hand.

Water is usually a commodity that people do not hoard as they are drinking it. However, having a case of water (about $2.50 for 32 bottles at Wal-Mart) can help when you are in a bind and the water is off.

However, batteries for flashlights, a first-aid kit or makeshift one (band-aids, gauze, Tylenol or Motrin, ace bandage, etc.), and cash are important.

Why cash? Because when power goes out, systems go down – and you may need that cash handy.

IF you have a rainy-day fund – I suggest at least $250. This can help if you need to get gas, food, or if you have to leave because it is so bad.

Take photos of the things in your home (all expensive things especially) and the outside of your home (as proof for your insurance company). I have this on my portable hard drive to take if we evacuate.

Keep reading for what steps you need to take when a storm is projected to come.

Car Supplies

Do you remember seeing the images of TONS of stranded motorists in Atlanta in 2014?

Let me remind you (compliments of CNN)…

Drivers were in stand still traffic, the roads became a skating rink, and cars started to become stranded.

In the winter, you want to includes these things in case you are caught in a freak storm like this.

Be sure to have in your car:

Blanket and jacket/sweather (to provide warmth when you have to turn off the engine to save gas)
Non-perishable food (some sort of food supply to hold you over until traffic moves, ice melts, or help comes)
Few bottles of water
Pair of socks and mittens/gloves (again sustained warmth)

All of these things together can be in your trunk or behind a seat and is worth it if you find yourself in this predicament.

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Some people are spontaneous. During a storm, it is important to have a plan

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When the Storm is Coming

To evacuate or to “shelter in place,” that is the question.

When a hurricane or tropical storm is headed towards you, you have an important decision to make. Only you can make that decision for you and your family; however, let some factors guide you.

Do you have small children? If yes, you may want to consider leaving as losing electricity can alter their routine. If you have ever changed bed-time, you know what I mean.
Are they calling for floods? Unfortunately, southern Texas just saw what torrential rain did to their region – devastating losses for both property and life. Are you prepared to get on your roof with pets and kids until you can be saved?
Do you have a physical ailment – such as a debilitating disease, wheel-chair bound, or even pregnancy that would make leaving after the storm with unknown circumstances much harder?
Is your home classified as “unsafe” – most pre-fabricated homes or beach homes may not withstand high winds or storm surge.
Are you ready to “rough” it? When Matthew hit here, while we did not get a lot of damage – the public water source was unable to handle the back-up of water flow. Many homes got pretty stinky with back-up.

Prepare, Prepare, Prepare

You made the decision to “shelter in place.” So where do you start?

High winds? Start boarding up those windows (not taping, as this can make it worse)- you don’t want to be in your home with a Category 2+ storm with your windows busting, and debris and glass going everywhere. Go to your nearest home improvement store.
Stock up on water (at least a gallon per person a day or about a case or two per person).
Non-perishable foods – foods that do not need refrigeration or power to cook.
Fill up the washing machine and bathtub for clean water for toilets (know your plumbing – basement toilets are not always the place to go).
Put water in Ziplock bags (quart size are best), Tupperware, cups, and clean trash cans. Freeze whatever water you can fit in your freezer – place some in fridge if electricity goes out.
Eat perishable food first from fridge when electricity goes out – fruit, veggies, yogurts, sandwich fixings, etc.
Batteries, batteries, batteries – did I say that before?
If you haven’t already – take photos of everything you do not have a receipt for.
Sandbags – put them by your front door, back door, side door, wherever you have a door, and garage.
Bring all lawn furniture inside – you do not want your lawn chairs and umbrella destroying a fence, etc.
Portable generators – IF you chose to purchase one – KNOW HOW TO USE IT – carbon monoxide poisoning is FATAL.
Propane – after the storm, you can cook on your grill if you still do not have electricity (bring inside, but don’t use during the storm).
Full tank of gas in your car (gas prices may soar after the storm).
Consider a CB radio as alternate communication.
Freeze a cup of water. Place a quarter on top of it. If you leave for any reason for an extended period, this will help you know how long you lost power. If the quarter is frozen inside the water (an no longer on top), you may want to consider restocking your fridge and freezer.
If you lose power, please strongly think about whether or not you can pay for the groceries without your insurance’s help. Yes, they will help you if you make a claim. However, this could cause problems down the road if you have to change your coverage. Try to only make BIG claims.

Emergency Evacuation

This is the choice many make or are told to make (if the military requires it).

Many commands or units decide before cities to mandatory evacuate families while the member deploys out with government assets.

If you find yourself in this position, have a plan and prepare to be flexible.

Evacuation Mode

Sometimes one of the hardest decisions is to leave all of your stuff behind; however, it could also be the one thing that saves your life. Here are some tips:

Get your PCS/Evacuation notebook that you downloaded from up above – this is one of the most important things.
Search for a hotel inland (look at the projected path to determine a distance away from the storm).
Military members have an evacuation location. While you do not necessarily have to go to that location, your entitlement is based on that location (keep this in mind, or look up hotels to get an average price point).
Be prepared for roads to be insane – pack a car charger or GPS to travel back roads.
Take water, snacks, travel games (small puzzles, coloring books, iPad, books) for the kids, and wear comfy clothes.
Keep ALL receipts.
Fill up your tank (if you haven’t already) before you get on the interstate.
Pull out cash (if you can).
Before you leave, pack whatever valuables that cannot be replaced (jewelry pieces, small keepsakes or family heirlooms), a portable hard drive or SD card, and enough clothes for a week.
Have contact information for your ombudsman or family members.

If you are military, read this article (I am actually quoted in it) from Military.com on entitlement information (or how to get paid for leaving).

Have you had to evacuate? Tell us your experience in the comments below, and be sure to download my PCS notebook!

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About the Author

Spouses, Travel

Airline Travel Tips

August 14, 2017 2 Comments

A big part of being in the military is traveling. Whether it is traveling to newly assigned units or to visit family, it’s important to know travel policies so your trip goes hassle-free. Airports and each airline has varying policies so these are only some tips that cover a broad range.

*This post contains affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Arrival Time

Airports are insane (if you didn’t already know that). From parking to check-in to the biggest time killer – security. Depending if you are flying through a major hub like in Atlanta, or a smaller airport such as in Richmond, VA – your timing can vary.

Since most airlines are allowed to over sell their seats (due to no-shows, cancellations, weather delays, connecting flight delays, etc.), it is better to be at the airport for longer than desired than to find your seat being given away.

Many airlines have policies that coincide with one another. However, it will also depend on if you are flying domestically (within the country) or internationally (out of the country).

The Transportation Security Administration (TSA) recommends arriving 2 hours before your scheduled flight.

Delta Airlines suggests being at the airport 2 hours prior, checked in 30 minutes prior, and at the gate 15 minutes prior or change fees may apply. Their website, found here, provides minimum arrival times for listed airports that may require additional time. This can account for a higher travel volume, security waits, and check-in times.

*Note the website has estimated check-in times not arrival time to the airport.

Southwest Airlines recommends having your passport verified by the ticket agent at least 60 minutes before the scheduled departure for international flights. Their website also provides many airports with their suggested arrival times (in minutes) that you can check here.

American Airlines recommends to check in 45 minutes for domestic flights and 60 minutes for international flights. Their website, found here, also provides a detailed list for other airports and their minimum check-in times to ensure your seat is available.

If you are traveling by another airline, check their websites for advised times. For your convenience, I have listed some of the other websites: United (click here), Allegiant Air (click here), Spirit (click here) or check Seat Guru which provides a comprehensive list of other airlines (click here).

Better to be at the airport longer than to find your seat being given away

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Baggage Policies (and Active Duty Personnel)

So once upon a time in a land far far from here…baggage used to be free (like included in your ticket). Which was great except the airlines couldn’t continue to carry you and your 12 bags. I love my family because they remind me of this (no not 12). When they fly internationally, they always have an empty bag for things they bring back with them (which is quite clever).

However, that is now going to cost you if you are in excess of your allotted baggage.

Let’s review some of the airlines baggage policies (which are subject to change). Check websites for baggage dimensions.

Delta Airlines (policy) states that regular customers (not their Medallion members for example) pay $25 for their 1st bag under 50 lbs and $35 for the 2nd for domestic flights. Active Duty receives 2 checked bags for free (each up to 50 lbs) for personal travel and 5 bags (each up to 100 lbs) on government orders. This is for their main cabin tickets (first class is 70 lbs for personal travel and 100 lbs on government orders).

Southwest Airlines (policy) states that passengers are allowed 2 bags per ticket (within 50 lbs) and then will pay $75 for each additional bag (one-way). Military is exempt from baggage allowances as long as each piece is not bigger than 100lbs. Check out their special luggage page if you are flying with Fido.

American Airlines has a lot of different variables for their baggage (see policy). First bag is $25 and goes up from there. Active Duty military members receive 3 complimentary bags on personal travel and up to 5 bags on government orders (as well as dependents with IDs). Main cabin bags are 50 lbs while first class, business class, and Brazil destinations are 70lbs.

TripAdvisor has a comprehensive overview of all major (and smaller) airlines and their baggage policies with their associated costs. Check here for those rates.

Traveling with Children

When I was 19, I traveled to London with my step-mother and 2 year old sister. As we were getting off the plane in Gatwick, my sister decides she wants to throw an epic tantrum right there in the aisle.

Face it, children are unpredictable when they travel. You are removing them from order and putting them into a tiny little vessel that messes with their ears and can smell funky. So keep these tips in mind.

Formula, breast milk, and juice are allowed despite the liquid limits. Let the TSA agent know that you have them and they will typically screen them.
Children under 18 do not have to provide identification with a companion.
Children under 12 can keep their shoes on – yay for one less thing to do!
Remove babies from their carriers (if you wear your baby) and carry them in your arms.
Biggest tip – bring LOTS of snacks and things to do.

TSA Pre✓®

Active Duty members are eligible for TSA Pre✓^®without having to pay the $85 membership fee.

Safe time by not having to remove your belts, shoes, laptops, or liquids.

Check it out here.

Or check out the United States map to see which airports and airlines allow it.

Additional Tips

Check out these great tips from Million Mille Secrets (domestic or international arrival policies, seasonal travel considerations, and airport security lines and passport control) – click here
Always ask the gate agent if your seats are not together if there are empty seats. When other passengers have not “selected” their seats or have not been assigned – they may be able to put your party together if you are split.
Understand the airline’s contract of carriage. Included will be the reasons they airline will refuse to transport you (for example if you have a communicable disease, are intoxicated, or fail to allow the airline and their workers do their job).
The more flexible you are with your travel dates – typically the cheaper your ticket can be. Traveling midweek is usually the cheapest.

Traveling can be a stressful or relaxing. Check out my travel essentials to ensure your trip is as smooth as possible.

About the Author

Family, Finances, Spouses

Did You Know This About SGLI

June 29, 2017 2 Comments

As many know, I recently had another addition to our family. Naturally for me, that meant I needed to update my life insurance policy to add my daughter and seek out more coverage. This started to get me thinking about my husband’s SGLI (as it is his only life insurance policy).

Do you know all the facts about SGLI (Servicemembers Group Life Insurance)?

One thing as a young adult that many of us overlook is life insurance. However, if you have a family or your active duty member is the sole provider (or perhaps a main contributor), you want to prepare for the absolute worst case scenario. The military offers SGLI (which ALL members should take in my opinion because it’s dirt cheap for the amount of protection is covers).

Let’s talk about why this is important.

Eligibility

Service members of all five branches (Air Force, Army, Coast Guard, Marines, and Navy) are automatically eligible for full coverage. This is great because after passing all the necessary medical exams just to get into the service, they do not have to do anything else to receive coverage – unlike outside coverage providers.

SGLI Coverage

The amount of coverage is up to $400,000 (or as little as $50,000 and up in $50k increments).

What does this mean for your monthly paycheck?

For $50,000 – it is $3.50 (your daily cup of coffee).
For $400,000 – it is $28.00 (one family meal to a fast food restaurant).

Why take $400,000? Mortgage, bills, and college tuition to name a few.

Now while many spouses already know about SGLI, you may not realize that this insurance does not follow your Active Duty member out of service. It only is covered up to 120 days after separation, unless the member becomes disabled. In that circumstance, they can apply for a 2-year extension.

It is very important for the service member to take advantage of VGLI (Veterans Group Life Insurance) within 120 to 240 days after separation. If they do, they do not have to answer additional medical questions which could increase your premiums A LOT!

Let me explain – most people go into the service around 18-21 years of age. They are healthy and in good shape. Fast forward 20 years to retirement, now you are 40 years old, marriage and baby weight has set in, working out isn’t the top priority, etc. Outside life insurance increases rates for each year of age – which is why it is important for you – SPOUSE – to get your coverage earlier rather than later. That health questionnaire could be the difference between premium rates and most people are healthier earlier in life!

VGLI is an excellent option for retired or separated members that want to continue their life insurance. Since the age of the member has increased – the rates will increase too. You can check those rates here. A $400,000 policy will cost between $68-88 per month for someone in their 40’s and will increase over time, whereas a $100,000 policy will cost $17-22 per month for the same person.

Why VGLI?

Since rates increase with age, rates can change based on gender, health, and lifestyle choices. When you rollover the SGLI to VGLI – your rates are based on age only. For those that use tobacco products – this is important because it will be very difficult to find a plan that compares with similar rates. Additionally, if you sign up within the allotted window, they will not give you a medical exam or investigate your health. You will not find this for most policies.

I can tell you that I was just asked simple health questions that included whether I use tobacco products and whether or not I am under the care of a physician for certain medical conditions or PTSD. If any of these apply to you, this is another reason to consider rolling your plan over.

Additional Coverage

One thing I wanted to ensure was that I had enough coverage on myself in case something happened to me. For the active duty member, you may find that $400,000 is not enough – you have a larger mortgage, multiple kids, etc. You can layer your coverage with outside coverage from USAA (I have mine through them and they are a great policy), MetLife, New York Life, or even your bank or insurance company may offer them.

To layer coverage, you will need to have a medical exam done to determine what premium you will pay. If the service member uses tobacco products, this is a HUGE factor on why they should NOT decline SGLI – because the premiums are through the metaphorical roof!! For real, not joking! I suggest purchasing a policy the earlier the better due to premiums and health changes.

End Thoughts

The whole point of life insurance is to ensure that your family is taken care of in the event that something happens to you or your spouse. This is not professional advice, just advice from one military spouse and mom. Speak with a professional about your options that are best for your family.

About the Author

Family, Gift Guide, Health, Spouses

7 Life-Changing Essentials for Every Pregnant Woman Under $20

May 29, 2017 No Comments

If anyone knows me, it is that I am the RESEARCH queen. I am not an impulse buyer AT ALL. I have to research everything, comb through reviews, check every little thing about a product to see if I really need it.

This is great for you because I have done all of the legwork – as I do in all my posts – so that you can see what products are really worth it. Trust me! I am the queen of budgets.

All of the products below I own or have personally tried and want to share my goodies with you because 10 months of pregnancy can really weigh on you especially if your husband is gone.

Seven of the items are under $20 (I did put two items over $20 for a total of 9 items, but I believe you will agree with me that they are worth it).

*This post contains affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full affiliate policy and disclosure – click here. Thanks for supporting us!

Pregnant Gadgets

As a teacher, I was trained to not drink very much. Why? Because that means bathroom breaks, which is difficult to do with a classroom full of students. So I lived a perpetual life of dehydration unfortunately. My husband would get on me always – how much water did you drink? Well, then he surprised me with these infuser cups (mine are blue, orange, and green). One of my favorite gifts ever. I drink more from straw cups one, and two, when fruit is added (my favorite is strawberries). Definitely worth the two cups of coffee it takes to buy these.

If you are pregnant during the summer (which in Georgia is like March – November), this is a must-have for those that live in states that get above 80 degrees. I was that person that froze, and my friends made fun of me for wearing ear-muffs (so many in different colors). Fast-forward, pregnant in GA, and I realize the heat of the sun, and I AM miserable. This towel is amazing because you wet it, snap it, and it keeps you cool around your neck.

So continuing on that hot streak – at about 6 months, I started blacking out. Multiple health tests later – it was just pregnancy in yes HOT GA. I found this beauty in Wal-Mart. I fill it up with water, and I MAKE SURE I have it in my purse wherever I go. When I feel hot, I take that bad boy out and mist away. I mean, I am walking around with this big belly, who cares what I look like! Seriously, invest in this – they are like $4.

Call me crazy, but there is nothing worse when that itchy time happens and you have a basketball in your stomach and can’t reach anything. Every woman needs a back scratcher. If you are lucky, check your local Dollar Tree to pick one of these up. Seriously, one of the cheapest items to keep next to the bed.

This one I wish I would have known about at about Week 20. I went to a chiropractor after 6 years because my back was just in so much pain, and you should not use regular over the counter products (like those that end in Hot or similar). He put this on my neck and back – WOW!! It is all natural – so it is safe and boy is it worth it. This is the big one, BUT you can get a roll-on for under $10.

Pregnant Reading Material

This is a great read for any first time mom. I am pregnant with my second child (they are going to be 5 years apart), and I find it great to refresh on all of the “joys” the second time around. It is a great reference from all those little twinges of pain to fetal movements. It answers many questions that you are wanting to search the Internet for – check here first.

Clothing

I don’t know about you, but I HATE spending money that ultimately does not have long term value (unless it is vacations or things that will create memories). Maternity clothes fall into this category. Now, I will say that for a professional career, I was able to use these before and during pregnancy. These are the beautiful creation known as Palazzo Pants. These can be found at Cato for around $17. However, TJ-Maxx, Marshalls, or Ross often have them on their racks if you are lucky. I love the color combinations and patterns and the fit with that growing tummy.

Over $20

As a pregnant teacher on my feet, I can tell you that the first thing I had to invest in were some comfortable shoes that were also cute. I LOVE my Blowfish slip-ons so much I was so excited when I saw that I did not have to travel to the shoe store any longer because Amazon carries them. I have plenty of black shoes, but I find grey are always hard to find.

Now while this one is over $20, this is by far one you do not want to wait to purchase. Having support for that growing belly is essential and helps especially if you are a back or stomach sleeper to keep you on your side. The jersey knit is comfy that even my 4 year-old wants to lay in it all the time. I did a lot of research and I am very happy with this pregnancy pillow.

Do you have any essentials you ABSOLUTELY needed when you were pregnant? Share with my pregnant ladies and their friends below in the comments.

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Family, Spouses

5 Tips To Survive a Remote Tour

May 20, 2017 No Comments

I’ll never forget it. I was heading into my office when my phone rang and I heard my husband Ethan say:

“Babe, I got orders.”

It’s the one sentence that as a military spouse can take you from 0 to 100 in .25 seconds. We had been in Alaska for 3 years now, so while I knew it was coming, I wasn’t prepared for what came out of his mouth next:

“I got a remote tour…to South Korea. And I leave in a few months.”

Girlfriend let me tell you…my heart DROPPED and almost immediately, it felt like I went through the seven stages of grief. I was in shock, I was angry, depressed…you name it, I experienced it. I was on an emotional roller coaster. “How could he PCS by himself,” I thought.

“We’re supposed to do this together! How could the Air Force do this to me?!” A few hours days later, after I calmed down and realized that this comes with the military-life territory, I began to really get myself together and prepare as best as I could for the inevitable: my honey was going to a new duty station….without me.

Let’s be honest…as military spouses, we sign up for moments like these when we say “I Do.” Somewhere down the line, we figured maybe…JUST maybe, we won’t have to deal with our sweethearts being gone, but deep down, we know that one day, our time will come.

But that doesn’t mean moments like these still won’t still have our heads spinning. While there isn’t anything you can do to change the assignment, there are a few things you can do to prepare for and get through it.

1. GET YOUR HOUSE IN ORDER.

Just because Ethan is gone, doesn’t mean running the house comes to a screeching halt. I learned the hard way that banks and other institutions do NOT care if you are married and are just trying to take care of business while your spouse is gone. You can’t just call and get information you expect to be privy to just because you two share the same last name.

This is why having all your legal ducks in a row is KEY. While we still make decisions together, the reality is, he is on the other side of the world. Sometimes, decisions have to be made quickly and there are things I still have to take care of in his absence. I still have to run a house….and so do you.

Whether it’s dealing with making financial, medical or housing decisions, having a power of attorney allows you to act on your spouses behalf and it will save you SO many headaches down the road. It doesn’t take long to get one..all you have to do is make sure you two take a trip to legal before he or she leaves, because without one…life will be way harder than what it needs to be.

Also, If you haven’t done so yet, go around your base with your husband or wife. Visit key facilities where you can get easy and helpful information for deployments/separations. It never hurts to know your way around.

2. AGREE ON A PLAN FOR COMMUNICATING.

Make a plan to talk to your spouse as often as you can, in as many ways as you can, but also be realistic. Ethan and I set aside a certain time every week to have our FaceTime date. Sure we text and send video messages all the time, but this special time of the week gives us something to look forward to. It’s our uninterrupted time to connect with each other.

In today’s world, there are PLENTY of ways to connect. One of our favorites other than FaceTime is Glide, a video messaging app. However, even though we live in a time where everyone is easily accessible, communication access may not always be reliable when your service member is in remote locations.

Yes, there may even be times when you may not be able to talk to your spouse every day, so keep your plans flexible and be willing to use a variety of ways to keep in touch (email, webcam, Glide, Skype, Facetime or my personal favorite – handwritten letters). It may even be nice to keep a journal, so that you two can reflect on your adventures together once he or she returns.

And remember, in those times when you guys can’t talk, it’s important for you to…

3. DO YOU BOO.

You know ALL those things you’ve always wanted to do? Now is the PERFECT time for your to go do them. If you spend ALL your time obsessing over the fact that your better half is gone, you will be doing yourself a disservice. Yes, I’m bummed that Ethan is gone, but at the end of the day, I LIVE IN ALASKA. ALASKA!!

Since he’s been gone, I’ve gotten into hiking, traveled to different parts of the state I haven’t been to, went to a reindeer farm, and fished for salmon! I’ve tried new recipes, started journaling again and even learned a new language.

Even if you don’t live in Alaska, imagine all the things you can be doing in your town! Visit the farmer’s market, take up a new hobby. Rediscover your passions. Taking time to invest in yourself not only helps the time go by, but it also allows you to continue to grow and become a better you.

And don’t forget to eat well, exercise and get plenty of rest. After all, you owe it to yourself to be in tip-top shape when he/she returns. 🙂

4. FIND YOUR TRIBE.

We found out we were expecting our first child 2 days before Ethan left. TWO. WHOLE. DAYS. Needless to say I was an emotional wreck for SO many different reasons. But looking back on it, if I learned nothing else during this entire experience of being separated, it’s that I can NOT do it alone.

For me, it was mixture of my church family, sorority sisters, close family and friends that kept me from going off the deep end. I must have texted my friends on a daily basis saying “I can’t do this. How am I going to survive a pregnancy by myself?!” And they were all there to remind me that I wasn’t by myself. Just because he is gone, doesn’t mean that I am alone.

I know sometimes we think we can do it all ourselves, but we are not superheroes. Sometimes we just need someone to sit with us, pray with us, hold us when we cry or simply listen while we vent and say “I feel you boo.”

Even now that our sweet baby boy is here, having my circle of women to lean on makes the days where I want to just stay in bed and sip wine from the bottle far and few in between. They remind me that I am strong, that I was made for this and I’m doing great. I thank God for my tribe. He put the right women in my path.

So I encourage you, to get out there and make friends with other military spouses. Get involved at church. Not only will it help time go by faster, but you will be reminded that you are not alone in this experience and build a beautiful community in the process. Just like it takes a village to raise a child, having a tribe to do life with makes everything better.

and finally…

5. CAPTURE THE MAGIC

So obviously this one is optional, but I totally support it 1000%!! There’s nothing I love more than looking through our albums. They tell the story of how far Ethan and I have come. It’s not just because I’m a photographer that I truly believe in the magic of capturing the magic of you and your family before your loved one leaves.

It’s because I’m a wife and a mother…a daughter, a sister, an aunt and a friend too. Existing in photographs and making unforgettable memories is what gets me through some of my loneliest nights.

Sure this time is hectic. Yes there are a million things to do. Make it a million and one. Don’t forget to set aside moments to enjoy each other as a couple and as a family.

Take plenty of photos. Make silly videos. Go on a family outing and simply be present. Invest in a professional session and surprise your boo thang with an album to enjoy while they’re gone. The beautiful memories, these snapshots in time that you create now, will help sustain you and your entire family through your loved one’s absence.

Images credited to – Sachel Samone Photography

Sachel Samone

A Georgia native and proud Air Force wife, Sachel Samone has a heart for photographing women and couples who may be older in age, but young at heart. Primarily serving the women over the age of 40, Sachel finds joy in capturing the wisdom, faith and love of her elders. “After studying broadcast news in college and working a few years as a reporter, I truly believe that while journalism has taught me how to document life, photography has taught me how to SEE life. And I SEE you. I see your strength. I see your hurt…your pain. I see how Genuine you are…how Confident you are…how FEARLESS you are. I know that as women we often struggle to see our own beauty..to tell our own stories and that’s why I’ve dedicated myself to telling your story and capturing the most captivating portraits you have ever seen of yourself. I don’t care how much you weigh, how old you are or how imperfect you think you are…the truth is you are perfect just the way God made you and I want to show you how beautiful you are. I firmly believe that you have a story that deserves to be told. It is my dream to build a community of people who are genuinely confident in who they are and fearless enough to let their light shine bright in a dimly-lit world. This experience with me is more than just posing pretty and smiling big. It’s about telling your story…capturing your magic…your incredibly powerful strength, grace and wisdom. One day, your children will grow up and if they’re anything like me, they will look for photos of you. This portrait experience is your gift to them. These portraits of you are your legacy.” She is humbled to have her work been published in top publications including The Knot, Denim + Grace, Chic Brown Bride, Beauty Revived and Simply Elope. She has also been recognized for her work by the United States Air Force and the Department of Defense. When she’s not shooting, you can find Sachel with her enjoying the outdoors and breathtaking views of Alaska with her husband Ethan, their new baby boy J’Aiden and their super cuddly dog Teddy George the Bichpoo.