A Warrior’s Faith Book Review and Giveaway

Disclosure: I was given an advance reader’s copy of this book to review by Family Christian.  All opinions are my own.wpid-2015-03-25-16.34.39.jpg.jpeg

Who kept the faith and fought the fight; The glory theirs, the duty ours. – Wallace Bruce

It was with great interest I read “A Warrior’s Faith,” written by Robert Vera, who tells the story of Navy SEAL, Ryan Job.

Ryan was not your typical Navy SEAL. He was physically bigger than most, and put through the ringer from his trainers and teammates. Each rigorous test he encountered and passed was a credit to the true spirit he had deep inside – the desire to succeed and the desire to serve his country. In June of 2005, he completed his Naval Special Warfare Training, and was assigned to SEAL Team 3.

Continue reading “A Warrior’s Faith Book Review and Giveaway”

What is the ultimate sacrifice?

When thinking of our military, the statement “ultimate sacrifice” conjures up thoughts of dying in the line of fire.

For those of us not wearing the uniform, that truly does seem to be the ultimate sacrifice.

As a military wife and mother, “ultimate sacrifice” sends a blood-curdling chill down my spine.

Just this past week, my husband’s unit suffered an ultimate sacrifice, but it was not what anyone would have suspected.  Continue reading “What is the ultimate sacrifice?”

Proud Military Mom

I wrote this article a few years ago, and it was originally published in the Detroit Free Press Twist Magazine on November 10, 2007. Earlier this week, one of our youngest son’s friends left for the U.S. Air Force-BMT. Late last year, the daughter of another family we know enlisted in the U.S. Army Reserves. To these young people – thank you! And to the military moms and dads, we are here for you!

Proud military mom – BY LYNNE COBB

Last Veterans Day, Lynne Cobb wrote about having her husband away at war in Iraq. This year, Lynne tells us about the mixed emotions of her son joining the military. This is her story.

Labor Day weekend, as many parents were packing up their kids and sending them to college, I watched my oldest son, David, scrutinize his very short list and place his few authorized belongings into a nondescript duffle bag. No microwaves or futons going with him. He was off to U.S. Air Force Basic Military Training (BMT).

BMT is a whole new world. Your child leaves with one bag — no computer, no cell phone — no texting, instant messaging or calling. You do not get to talk to your child until he or she has the opportunity to call you. The first call will be about two minutes — enough for you to get an address. Mail service is slow. I found the lack of communication to be unnerving. Not quite a year since his dad’s return from Iraq, my son was off and running on a new adventure. Excitement and apprehension ran high for the family. I wrestled my emotions — pride, fear and the realization that our family would never be the same.

As the weeks of training continued, I found myself wondering what was more difficult — being a military wife or being a military mom and sending my son to training and possibly war. The first few days of my son’s departure, I was in tears. When I went two days without crying, I felt I had made progress. There were days I would hear his favorite song and smile; other days that song would reduce me to tears. I’d see his truck parked outside and think, “He’s home,” only to realize a split-second later that, no, he really wasn’t.


I never realized just how much I’d miss him, that the ache would be so intense. It was like an emotional replay of my husband’s deployment. And, as with that deployment, my emotions ran the gambit between pride, lonely emptiness and worry. The emotional parallel is nearly identical, though I felt the need to go and rescue my son.

My husband has been supportive of my mixed bag of feelings. There is great comfort in having such a close source to answer my questions. We joke as to whom I should root for during the Army-Air Force football game.

My husband and I were blessed to be at our son’s graduation from BMT. It was an experience we’ll never forget and an event I wish every American could witness. To see almost 1,000 recruits graduate and take the oath to defend our nation is a moment I’ll never forget. While hearing the national anthem, seeing the U.S. flag as well as the flags of the 50 states and U.S. territories waving in the warm Texas breeze was a sight to behold. Not only was I a proud mother, but a proud American.

I am so very proud of the decision my son made to serve our nation. I am humbled by, and I thank, those who have made the same decision, and for those who will do the same. I thank the parents who supported their child’s decision.

No matter what the future holds, with faith and prayer, we will survive the miles between us, wherever he may be called to serve.

Are you a military mom? Have you experienced sending your child off to boot camp? How did you handle it? Let me know in the comments section. And again, thank you for service as a military family!

© Lynne Cobb – 2014

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Keeping the Fire Burning – Against All Odds

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“Keep the fire lit in your marriage and your life will be filled with warmth.”-Fawn Weaver

This past August, my husband and I celebrated a milestone in our lives – our 30-year wedding anniversary. Three decades! Over 10,000 days being married. I’d calculate the hours and days, but that may overwork my calculator!

Of course, our anniversary was an exciting observation for my spouse, myself, our children and our parents. I wish my dad had been here to celebrate, but I know he was smiling from heaven. I remember when I was a little girl, he stated that he would choose my husband. And when I shared with Dad that I was engaged, he was ecstatic. At the time, my soon-to-be-husband was stationed in Alaska. He proposed to me over the phone, and I received my engagement ring via UPS. I had to pry the package out of Dad’s hands, reminding him that it was addressed to me.

My husband and I met on a blind date, arranged by friends of ours, who had just met in college. Home for the Christmas break, my friend and her boyfriend described three of their friends they wanted me to meet. I chose the soldier, who was home on leave, and who was stationed 14 hours away via plane. Why? Well, should the date be a disaster, the possibility of ever running into each other again was incredibly slim.

Of course, we hit it off famously, and our story began.

Absence makes the heart grow fonder. Separated for nine months, we planned a wedding from afar and learned a lot about each other through letters and very expensive phone calls from the mainland to Alaska. After we were married, we lived a fairly routine military life: many moves, two children born in different states, then out of the Army and back home. Two more children entered our world, then the 9-11 terrorist attacks changed our family’s world – and back to Army life, this time as a Reserve family.

Our life together has been dotted with challenges: job losses, financial pain, military deployments, burying loved ones, disappointments.

Our life together has been amazingly blessed: Four children, the addition of our oldest children’s spouses, granddaughters, laughter – lots of laughter – strong faith, survival of the tough times, weddings, birthdays, graduations, confirmations, baptisms, seeing our children’s talents, watching them grow into amazing adults. Hands-down, we would say, “I do,” all over again.

As we got closer to our anniversary, I started reading blogs and comments about other long marriages. I wondered if there was any “secret” and if so, how did my husband and I rate among these folks. Honestly, I became depressed. The more I read, the more I witnessed pain and despair from people in long marriages, ending their lives together. Twenty, thirty, even forty years. I kept reading, trying to see why those couples fell apart, and panicked: could that happen to us?

Straight up answer – yes, it could.

Realistically, it could happen to anyone. And with the stress of a military marriage, just like the stress in any other high-adrenalin occupation – police, firefighters, etc. – a couple’s odds of marital failure are increased. Families of first responders and families of the military deal with fear of injury and death – for the most part on a daily basis. There is physical separation, missed holidays, lonely anniversaries, solo-parenting at special events – the list is endless. Additionally, these families deal with injuries, PTSD, loss of colleagues and other job-related issues.

So, my quest continued. Is there a magic formula for keeping it together? How do some marriages last, and others unravel? At some point in any relationship, there are bound to be arguments, hurt feelings, betrayal of trust, financial distress, illness and disease, and a host of other problems. So, I kept reading articles, blogs and commentaries. Some stories were so profoundly sad, and others – less in numbers – were inspiring. It seemed that there was so much negativity toward marriage, I wondered why anyone even bothered.

Recently, though, I have started to see some encouraging blog posts. One was from a man who was divorced, and he laid out a plan for other men to follow. It went viral, as he described how he hurt his spouse, and what he’d do differently. Another recent post was a young man whose father gave him advice – basically, that by treating your spouse well, your spouse will reciprocate. In a nutshell, treat others as to how you want to be treated – age-old advice that is true in any circumstance.

Out of all my research and reading, I did not find any one particular piece of advice for sustaining  a long-term marriage. From what I gathered, mutual respect, trust, love and forgiveness were some of the key components. Noteworthy were the articles and books about how men and women think and view the world in different ways, and many times not understanding our differences makes for difficult times. I think that respecting each other and our differences goes a long way in better communication – another key ingredient to strengthening our vows. And from a few folks in the medical community, the need to understand, acknowledge and support the physical and emotional changes men and women go through during their lives, especially mid-life, is another critical area of focus. And, of course, supporting each other’s dreams, careers and ambitions help bolster the couple.

As a military spouse, our families are subject to frequent separations due to training, temporary duty assignments and deployments. In fact, in the past eight years, my husband and I have spent four wedding anniversaries apart. Service members leave home, and the spouses are left behind to keep the home fires burning. Whenever I hear this phrase, I picture a pioneer woman, literally keeping the fire burning – handling her role as well as her spouse’s. It brought to mind a metaphor, and I believe, it sparked an a-ha moment – a frequent occurrence lately for this mid-life writer…

Marriage is like a fire. It starts out as a spark, and as the flame grows, it becomes hot and, sometimes, unpredictable. Once it settles down a bit, it becomes “perfect.” The heat begins to level off, and the fire is soothingly warm and comfortable – somewhat predictable. However, it still needs to be tended. Add a log or two, and it will keep burning. By becoming complacent, and carelessly letting it burn down too far, there is danger of the fire going out. However, even if there is just a little heat, the embers, which are cooling down, can be regenerated. It isn’t too late to save. Stoke it, add a little oxygen, then add another log, and the fire will return. It may need some prodding, but with patience and time, the flames will grow. Is it easy? Not at all. One can easily forget to toss a log on the fire when busy and away from the fireplace. It can become a hassle to keep the fire burning, but if it isn’t attended, the fire, at some point, will die out.

It isn’t easy to be the tender of the fire. It takes time, and sometimes there is only one person to keep it going. But, when it is well-tended, the rewards are amazing. There is warmth, comfort and light. There is satisfaction of keeping it going, even through the difficulties and the moments that it seemed impossible.

And, ultimately, there is joy in sharing something so very precious, so very life-sustaining, so very comforting.

Do you have any thoughts on how to keep a marriage strong? Any favorite metaphors? Feel free to leave a comment.

© Lynne Cobb – 2014

 

 

 

Memory Lane Meets Abbey Road

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When the Beatles made their debut on the Ed Sullivan Show, I was a toddler. It would be a few years before I truly understood who and what the Beatles were, and how they impacted our lives musically. And, who could forget the Beatles cartoons, or lunch boxes or any other Beatlemania memorabilia.

I was about eight or nine years old when “The Long and Winding Road” and “Let It Be” made their way to number one on the charts. I absolutely fell in love with those two songs, and to this day, they are still my favorites.

As soon as I hear, “The Long and Winding Road,” my hands-down, absolute favorite Beatles tune of all time, I am instantly transported back to early summer and my dad’s gold Buick. He was so proud of himself, because he was, in his words, “hip,” with his eight-track tape player, white shoes and new Beatles music.

Maybe that is why I get misty every time I hear that ballad. Not only do the lyrics move me, but the music is beautiful. The moment I hear the first few chords, I am instantly transported back to a simpler time; in my childhood home with my larger-than-life father, alive and well.

Several years ago, my parents took a trip to England, and they had a wonderful time. My mother told us of all the places we needed to see should we ever get the chance to go.

Well, March of last year, was my chance to go.

I flew solo to London, as my husband was stationed in the UK at the time. I packed my clothes and shoes into my dad’s luggage – the same suitcase he had used years before when my parents made the trip. Checking my bags at the airport, I smirked as I thought, “Hey Dad, your bags are making the trip again.”

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Out in the midlands, a good hour away from London, I had the experience of a lifetime, living in a quaint English village. The scenery was out of a storybook, and my husband and I traveled to as many places as we could in the two weeks I was there. Of course we sought out the traditional fish and chip dinner at a centuries-old pub, and some had some other wonderful foods – likes crumpets, bubble-and-squeak and, of course, crisps. I was fascinated by the trains, taxi and Underground subway system. The traffic rounds and driving on the wrong side of the road took a bit of getting used to, and I can’t tell you how many times I tried to get into the passenger side and found a steering wheel in my way.

I was in awe that I was in the homeland of literary greats and the Queen Mum. I fell in love with England – the accents, the customs, the people.

Big BenThe weather wasn’t the most agreeable during my time across the pond. But the weekend we chose to tour London was perfect – sunny and warm. We walked miles and saw Buckingham Palace, Big Ben, The Eye of London – all the tourist hot spots. Two of the last “must-sees” on our London list were Harrod’s and Abbey Road. But we were quickly running out of time. We didn’t toss a coin, because my husband and I knew what we would choose.

We chose Abbey Road.

Beatles Coffee ShopNow, it simply wasn’t a matter of walking from the grounds of Buckingham Palace to St. John’s, where the famous Abbey Road Studios and cross walk are located. We had to find the correct Underground station and change subways routes a few different times to get to our destination. (Oh, by the way, when they say Underground, they mean it! I had no idea how deep into the earth we were as we traveled through London!)

We exited the subway station, and went to the Beatles Coffee Shop at the entrance. Without even asking, the owner handed us a map and sent us up the street to find Abbey Road.

What an amazing experience to walk the path that the Beatles made famous. Yes, we had to be concerned that we’d be hit be a car while snapping photos. Yes, we took many shots of us crossing the street, plus photos of Abbey Road Studios – where music history was made. We weren’t alone in our walk – not only were there plenty of tourists, we sent a text to our daughter, back home in the States, and she actually watched us crossing Abbey Road live, real-time, on a web cam. Think about that!

Abbey Road

It’s hard to believe that crossing Abbey Road was such a highlight for my husband and me. But I guess it makes sense, when you think of how the Beatles impacted our lives, from the time we toddlers until even now. It was really awesome to walk that part of history, where Memory Lane meets Abbey Road.

© Lynne Cobb – 2014

What are your memories of the British invasion? Have you ever crossed Abbey Road?

crossing Abbey Road

Part of the Midlife Boulevard blog hop.

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Love Will Keep Us Together???

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“Love will keep us together.” – hit song by The Captain and Tennille

Thirty-nine years. And it is over.

My heart is breaking for Captain and Tennille, (Daryl  Dragon and Toni Tennille) who are divorcing after nearly four decades of marriage.

Anytime I hear of a divorce, my heart breaks a little, whether I know the couple or not. And the longer the marriage, the more my heart aches.

Maybe because this couple was iconic in my youthful years. Maybe because they stayed out of the limelight, not airing their dirty laundry for all to see.

Maybe it is because in just eight-and-a-half years, my husband and I will be married for 39 years.

I usually don’t care why a couple breaks up, because, quite frankly, it is none of my business. But this time, I want to know. And I am not being nosy, because I am not seeking answers so I can scrutinize, demoralize or judge this couple.

I want answers, because what ever happened to end their marriage of almost 40 years, I don’t want it happening in mine.

Oh, that sounds really selfish, doesn’t it?

Certainly, I don’t intend for that to be selfish. I am truly curious. After conquering all of life’s ups and downs for so many years, what was the proverbial straw that broke the camel’s back at this stage of the game? And if either of them had any advice to share, I’d be happy to listen.

Truly, I feel a profound sense of loss for them. It can’t be easy to try to move on without the other.

Ironically, my spouse and I were discussing marriage just before I heard about Dragon’s and Tennille’s impending divorce. As I was doing some research online, I ran across numerous blogs about marriages ending after decades. Sharing the heartbreaking results with my husband, I asked him, “What about us? How can we prevent this?”

We have a long history, which includes a lot of love, a great friendship, some difficult times and a wonderful family. Maybe the separation due to military exercises, deployments and temporary duty gives us an appreciation of what life apart from each other is like. We learned not to take each other for granted, because we never know what curve ball life will throw our way. One set of orders can mean a year or more of separation.

We want to be a good example for our two children who are already married, and for the younger two who are still at home. We choose to tackle everything together as a team – good or bad.

Maybe there is good in knowing that if we don’t embrace each other, we could lose each other – kind of like, “live like you know you are dying.”

I am not sure what the answer is. All I know is that I hurt for this couple. I hope that they find the comfort and support they will need to get through this difficult time.

For me, I am a hopeless romantic.  I will continue to pray for my husband, our marriage and our family. I will pray that the Lord continues to bless us with many more years together. My husband is my best friend, and I can’t imagine life without him. 

© Lynne Cobb – 2014

Share your comments below.

 

 

Thank you for the opportunity!

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Disclosure: I am participating in the Verizon Boomer Voices program and have been provided with a device and six months of service in exchange for my honest opinions about the product.       #VZWVoices #Boomer

It is so very hard to believe, here at the end of December, that on a hot, summer day six months ago, I boarded a train and left for Chicago. It was there that I met and trained with a dozen or so “Boomer Bloggers.” What a great experience, meeting some of the Midwest’s most influential women on the Web! I felt a bit out of my league, as I am a relatively new blogger, however, these women were more than helpful throughout the entire program. It is great that technology and social media will continue to keep us in contact with one another.

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I have to admit, that playing with the phones and FitBit was a blast. The cameras on both phones are fantastic! And the technology and apps I downloaded made both phones even more valuable in my very busy life! The FitBit certainly motivated me to get moving, as I saw first-hand how little I moved. Now the device is attached to my hip – literally!

The self-facing cameras on both phones were not used for selfies, (okay, maybe once or twice with my daughter!) but to video chat with my husband and son who were stationed in various countries throughout the past year. And my world clock app was a tremendous help, letting me know what time it was for my loved ones where ever in the world they were. Countdown calendars helped the days pass until my spouse got home. Yes, the technology alone made my life as a military spouse much easier.

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I loaded so many apps on my phone – such as for our insurance company, which made filing a claim due to a severe summer storm much easier. The long battery life was a huge help in staying in contact with the electric company, insurance company and family members, as we were without power for over 70 hours. I became addicted to downloading books onto my Kindle app – and now using the Samsung Galaxy Note 3, reading the ebooks is much easier.

Though the technology and trip were fabulous, I think the best part of being a Verizon Ambassador was meeting so many wonderful people: the tech trainers, the staff at ComBlu, the bloggers and the folks I met via my blog and through other social media outlets. By being a Boomer Ambassador, other writing opportunities came to my inbox! The experience has truly been a blessing.

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Oh, how I wish the Verizon Boomer Ambassador program wasn’t drawing to a close! And I know my Boomer Blogger Sisters have the same wish! What a wonderful experience, to share what I have learned with others. I feel that this program gave me the nudge I needed to get out of my comfort zone and learn even more! From making the switch to self-hosting my blog, to hosting both a digital and a blog party, to learning all kinds of techy terms and skills, I know I have grown both personally and professionally.

Yes, we have come a long way from the gigantic bag phones that we plugged into car lighter outlets a few decades ago. And some days the technology seems to be overwhelming and maybe even be a drawback to in-person social skills. However, as a Boomer, a military spouse, a mom, a writer and a blogger, I do believe that used properly, the technology we are blessed with today can be just that – a blessing and a way to be in touch with those we hold dear.

Thank you, ComBlu and Verizon. I am humbled that you chose my blog to be a participant in this program. Thank you for making communications easier and making the world a little smaller. Thank you to my Boomer Blogger Sisters, for all that you did to help this newbie.

Thank you to my readers. May you have a blessed and prosperous New Year!

© Lynne Cobb – 2013

 

 

I am one ticked off military spouse

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“Greater love has no one than this: to lay down one’s life for one’s friends.” John 15:13

The topper on the latest, most-blatant disrespect of our military members has enraged me beyond belief.

How could something as shameful as denying immediate survivor benefits to the families of deceased military families have happened? And yet it did, to the families of the service members who died in the line of duty since the government shutdown.

Blame it on the government shutdown? Really? How on earth did this happen to these families?

How much more political game-playing has to happen before this nonsense ends? Why must the military continue to be used as pawns in a stalemated, government chess game?

First of all, the description of our “all-volunteer military” is grossly inaccurate. Volunteer does not mean “free.” What it means is that someone’s husband, wife, son, daughter, brother, sister, grandchild, niece or nephew has answered the call of defending our country, and is willing to lay their life on the line so that someone else doesn’t have to. It means that our country doesn’t have a draft to pull people into the military. It means that someone felt the call to defend our country and uphold the constitution of the United States of America. It means while they are training, defending, performing first aid and going without sleep, someone else can attend college or trade school or live a normal life.

It means that they are defending their fellow citizens’ right to free speech, as ugly as that speech can be at times. It means that people can go to the mall on weekends, or attend a sporting event or sit with a six-pack and watch a game on the weekend. It means that others can be in attendance of their child’s birth, wedding, or graduation. It means that people can gather for holidays and family events – all while our service members miss these opportunities and miss milestones in their families’ lives, making sure that other’s lives are not interrupted. It means that the personal dedication of each one that takes the oath makes our military more professional, because they choose to be there – it is not forced.

Our service member’s families are displaced with frequent moves and deployment rotations that occur more often than some people rotate their tires. The families also serve, by supporting their service member.

As a madder-than-heck military spouse, I have had it with political games played at the expense of our military. There should not be a fear that payday won’t arrive, that benefits and retirement are in jeopardy, that commissaries and libraries close to make a political point. And above all, a grieving family should never, ever, be shut out from survivor benefits to make a point. Words can’t even describe the sick feeling that overwhelmed me when this news broke. What does that say about our nation? Is this how we say thanks?

It disgusts me how our service members and veterans are treated by our government and our country. Injured military members have to wait on a broken system to receive treatment. The jobless rate for veterans is deplorable. Why? Are employers fearful of post-traumatic stress disorder? Fearful of hiring someone who could be deployed again?

And the stereotypes of military families and their spouses are grossly unjust and mean-spirited. Military spouses are considered lazy whiners. Entitlement and discount seekers. Really? Do you know how hard it is to sustain a career when moving every few years? Or work, run a household and raise children under the stress of a deployment? There is never a moment of peace for a military spouse, they know the danger their loved ones face. Should we be left to wonder if our spouse’s pay will be on time, and, here’s the kicker – whether it is correct? Should our service members have that “no pay” worry on their heads while they dodge IEDs and bullets? Do you think that maybe spouses are not whining, but raising legitimate concerns and complaints, hoping our leaders will hear them?

If this nonsense continues, who is going to step up and join the military? And for those who are currently up for reenlistment – will we lose them and their much needed skills? Is this how we thank those that put the uniform on every day – and I mean every day?

It is time for our President, Senate and Congress to act like leaders and stop using the military every time there is a budget crisis. Negotiate – it is your job. It doesn’t matter what side of the political fence you are on. Someone needs to step up with an olive branch, negotiate and start resolving these issues.

It is time for citizens of this nation to realize what our military does – and why. They aren’t out there because they like war. In fact, if you asked them, they would prefer to keep the peace here at home. But they are out there anyway, risking their lives and missing out on time with their families so that others don’t. They serve for the greater good.

They know the risks of their jobs, and are willing to continue on, despite what our leaders do – or don’t do. Our military deserves better than what they have been getting lately. And so do their families, especially those who mourn the loss of their hero, who gave the ultimate sacrifice.

© Lynne Cobb – 2013

 

 

 

Hey ladies, are you covered?

Disclosure:  I am participating in a Vibrant Influencer Network campaign for Royal Neighbors of America. I am receiving a fee for posting; however, the opinions expressed in this post are my own. I am in no way affiliated with Royal Neighbors of America and do not earn a commission or percent of sales.

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One benefit of being a military family is that due to vocational circumstances, families must be prepared in all situations.

Life insurance, Power of Attorneys, guardianship paperwork and wills are all part of the process to ensure a family is ready for possible deployment.

It really is not easy to make the emotional decision to look into anything that confirms our mortality. To admit we have an expiration date is humbling and scary, especially if you have children.

My husband and I first met with a life insurance agent around 28 years ago, after our first daughter was born. I admit, I was nervous. A new mom in my early twenties – the last thing I wanted to think about was dying and leaving my family behind. We were advised on coverage for my husband, who was the only income-earner at the time. I figured we didn’t need insurance on me, as I wasn’t bringing home a paycheck.

Boy, was I wrong! Our agent asked how much it would cost my husband – who at the time was on active duty military service – to employ full-time childcare, assistance with housework, meal preparation and other expenses that we didn’t pay for because I was a stay-at-home mom. Additionally, how much would it cost him to fly one of our mothers out to where we were stationed for the 24-hour care of our daughter, should he leave for training – or be deployed?

As time sped forward, and I did start earning an income, we made sure we adjusted the life insurance coverage on me as needed. With our children getting older, my husband wouldn’t need childcare, but he would certainly need a replacement for my income, and any other expenses, if the worse were to happen.

September is National Life Insurance month, and statistics show that women are less apt than men to have life insurance. And, if they do have coverage, it usually isn’t in proportion to what their family needs.

“Women must protect their salaries,” says Cynthia Tidwell, President/CEO of Royal Neighbors of America, one of the largest and oldest women-led insurers in the United States. “Life insurance can replace your salary, cover childcare expenses, pay off a mortgage or protect college dreams.”

I found this statistic profound: the Life Insurance Market Research Association (LIMRA) reports that one in three U.S. households have no life insurance at all.

One of the biggest concerns most people have, is “how much coverage do I need?” Below is a list of questions to ponder:

  1. How much will it cost to pay off your debts such as a mortgage, credit card payments, auto or other loans, if you were to die prematurely?
  2. What are your ongoing expenses? Don’t forget daycare, tuition, grocery, and energy bills.
  3. Would your family be able to pay its bills?
  4. Do you have enough to pay for funeral expenses? The average funeral costs about $7,000, according to a 2009 estimate by the National Association of Funeral Directors.

Royal Neighbors has an insurance calculator to help give you an idea as to what coverage is needed. How much do you think would cover your family? Using the above questions as a guideline, grab a calculator and do some math. Check your guesstimate with the insurance calculator and see if you are correct. It only takes a few minutes.

How did you come out? Interesting, isn’t it?

In addition to offering life insurance coverage, Royal Neighbors of America offers insurance products to fulfill financial needs of growth, savings, and protection. Members receive valuable benefits and can participate in volunteer activities through the organization’s local chapters to help make a difference in their communities.

The organization’s philanthropic efforts are dedicated to changing women’s lives through its national programs, including the Nation of NeighborsSM Program, and through the Royal Neighbors Foundation, a 501(c)(3) public charity. They are involved with Baskets of Hope (baby supplies for new mothers, filled backpacks for school children, baskets of financial education tools for women pursuing their careers, baskets of food for local pantries as well as supplies for soldiers overseas.  And with Join Hands Day, local partners dig in to plant neighborhood gardens and goodwill where communities need it most.

Trust me, I know how intimidating it is to approach this subject, and then how intimidating it is to look at your finances. But once you take the steps needed to insure your family’s well-being, you will feel much better having a plan of action in place. Want more info? Contact Royal Neighbors of America – life insurance with a difference.

Do you have the proper amount of life insurance coverage, or legal paperwork in place for an emergency? Let me know in the comments below.

© Lynne Cobb – 2013

The Top 7 Ways 9-11 Changed This MilSpouse

blue star flag

Where were you when the world stopped turning? – Alan Jackson

September 11, 2001. We all remember where we were, what we were doing, and how the world became a scarier place. We watched in horror as innocent men, women and children died a horrific death. We watched in horror as first responders died trying to save lives. We cried for people we didn’t know. We cried tears of joy when a victim was pulled alive from the wreckage.

September 12, 2001, was a different day. Churches were open, people were praying, flags were raised, blood was donated and people from across the country headed to the East Coast to help. Military recruiters saw people lining up to defend our great nation. A great sense of community joined us all together.

We were like one family.

My Army husband, who was no longer on active duty, was restless. His colleagues were fighting in the War on Terror. I knew that his patriotism and military skills were needed, and I also knew that at some point, we would discuss his future military service – a decision that would be difficult to make. Should he re-up? If it kept our sons, our nephews and our friends’ sons from having to go, then yes.

Our decision was wrought with anguish. It certainly wasn’t easy. It was like putting my spouse into the line of fire. But he, being a man of character, strong faith, and a true soldier – selfless to the core – we took a leap of faith.

Without a doubt, September 11, 2001 changed me. It changed our family. It changed our country. Some of the changes in me are good – some, not so much. As I reflect the anniversary, remembering where I was, and who I was then, I will share the Top Seven Ways 9-11-01 changed me – for better and for worse.

1 – Lack of patience: When someone complains that their spouse will be gone a few days, I bite my tongue. I want to shout, “Try six weeks, six months, eight months or fifteen months at a time.” For a lot of families, you can multiply that separation by way more than one deployment in ten years. Admittedly, my lack of patience isn’t fair to others. And, truthfully, I’d rather hear someone complain about missing their spouse than have them doing a happy dance that their spouse is away. But what I realize, is that because of 9-11, my patience level isn’t always where it needs to be, and I am working on that. And it isn’t just this instance. My lack of patience with people being rude and obnoxious is evident. A flaw in my character. So, my lack of patience in others and in their complaining is truly the worst change in me since that awful day.

2 – Putting myself in other’s shoes: I find that I can be more empathetic now than I was before. Not all days, but most, I try my hardest not to judge. The other day, a clerk shorted me $10 in change. I was annoyed that I had to wait while they counted the drawer to make sure I wasn’t scamming. But I also tried to remember that mistakes happen – it wasn’t personal. I also wondered what hardships she was facing. Did she have a son or daughter deploying? An elderly parent to care for? An electric bill that couldn’t be paid? So, one good thing that 9-11 has taught me is to slow my quick tongue, and think before I speak, because I don’t know what burden the next person is carrying. And yes, I am trying really hard to remember that while driving…kind of goes hand-in-hand with that patience flaw I am working on…

3 – Value of time: Military families treasure time above anything else. So, when we see others bicker and complain over their loved ones, it really hurts. Sure, you may not want to pick up a pair of your hubby’s dirty boxers or your mom just may be a witch for grounding you. But there is a spouse out there somewhere who longs to grab dirty socks off the floor. And a teenager missing their parent, even if the parent was “being mean.” Some military families count down the days until a reunion…others aren’t so lucky, as they have faced a hero’s devastating injury or a death. Be kind to your loved ones – let them know you love them. Another good thing from 9-11 is that I learned how valuable time is, even if it sounds corny. Seconds count, as they turn into minutes, hours and days.

4 – Appreciating “geeks” who make our communication possible: Technology, used properly, has been one of the greatest gifts to military families. The ability to video chat, make phone calls, email, etc., has been a Godsend. Honestly, I don’t know how my military spouse predecessors coped, as it took so very long to get a letter from their husbands, fathers and sons. Just 10-12 years ago, we were running our Internet signal off a phone line. Now, our smartphones keep us connected. Holidays, birthdays, special events, even births can all be shared via video feed. What a blessing, what a change, for military families still serving due to 9-11.

5 – Appreciating all service families. It isn’t just the military and their families who deserve a shout-out. It is also our police, fire and other first responders – and their families. Each day, there are parents, spouses and children that send their loved ones out the door to serve and protect us in our daily lives. Those families are on the same emotional roller-coaster that military families ride.  Sadly, it took 9-11 for me to really appreciate what others in our community do to keep us safe. So as much as I appreciate being thanked for my service as an Army wife and an Air Force mom, when I can, I thank our first responders and the families who love, worry and support them.

6 – Flags. Yes, you bet the flag flies proudly here. There is also the addition of a Blue Star service flag, bearing two stars. If, thirty years ago, someone would have told me, a new military spouse at the time, that I’d be presented one of these flags, I wouldn’t have believed them. In fact, I didn’t even know what a Blue Star service flag was back then. Because of 9-11, I have come to love the U.S. flag and what it represents more than I thought I ever would, because I truly understand the cost and sacrifice for freedom.

7 – Faith. Sure, it may sound cliché. But when your spouse or child is in harm’s way, you realize that you truly do not have control. Faith isn’t found just in foxholes, it is found at the kitchen table, tucking the children into bed, in holding hands in prayer, or in the embrace of a caring friend. Knowing that people pray for my family and for me is such a tremendous comfort. Faith brings hope. The biggest – and best – change in me since 9-11 has been my personal walk in faith.

So yes, some good changes, some new appreciations and most definitely an area (or two) of personal growth to work on. If we can take anything away from a tragic event, I hope it is change – good change, so that we become better people – to ourselves, our family and to strangers.

© Lynne Cobb – 2013

How has tragedy changed you? Feel free to share your story in the comment section.

 

 

 

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