From filmmaker Christopher Nolan (“Interstellar,” “Inception,” “The Dark Knight” Trilogy) comes the epic action thriller “Dunkirk.” “Dunkirk” opens as hundreds of thousands of British and Allied troops are surrounded by enemy forces. Trapped on the beach with their backs to the sea, they face an impossible situation as the enemy closes in. The story unfolds on land, sea and air. RAF Spitfires engage the enemy in the skies above the Channel, trying to protect the defenseless men below. Meanwhile, hundreds of small boats manned by both military and civilians are mounting a desperate rescue effort, risking their lives in a race against time to save even a fraction of their army.
Christopher Nolan has taken audiences from the streets of Gotham City, to the infinite world of dreams, to the farthest reaches of space. Now, for the first time, the innovative director/writer/producer has turned his camera to a real-life event, one that has resonated with him throughout his life: the miracle of Dunkirk.
“Dunkirk” is based on the evacuation that—although it took place in the early months of World War II—had a direct impact on the outcome of the war. Rather than make a battlefield drama, however, Nolan’s objective was to turn this historical moment into immediate, immersive cinema: a propulsive, ticking-clock, epic action thriller in which the stakes couldn’t be higher.
He affirms, “What happened at Dunkirk is one of the greatest stories in human history, the ultimate life-or-death race against time. It was an extraordinarily suspenseful situation; that’s the reality. Our aim with this movie was to throw the audience into that with an absolute respect for history, but also with a degree of intensity and, of course, a sense of entertainment, too.”
The remarkable true story that inspired the fictional film is one that has fascinated Nolan for many years “and one I’ve been wanting to tell for quite some time,” he says. “Like most British people, I was raised on the mythical story of the evacuation of Dunkirk, and the victory that was snatched from the jaws of defeat. It’s a massive part of our culture. It’s in our bones.”
The story began in late May 1940, when the British Expeditionary Force, along with French, Belgian and Canadian troops were forced back to the beaches of Dunkirk. Though home was just 26 miles away, there was no easy way to reach it. The shallow-drafted beach, with its 21-foot tide, prohibited the large British naval ships from rescuing the men. But there was hope: a call had gone out for small boats to aid the effort and a flotilla of non-military “little ships” sailed out from the southern coast of England to bring the men home, codenamed Operation Dynamo.
Researching the script, Nolan read several books and firsthand accounts. He also met with some surviving veterans of Operation Dynamo. “It was a great honor to hear about their experiences and discover what Dunkirk meant to them,” he says.
“Nevertheless,” producer Emma Thomas notes, “Chris felt strongly that he didn’t want to put words in the mouths of these real-life heroes, or have to change their stories for reasons of time or dramatic effect, and decided that the best way to approach the story was to use fictional characters inspired by those elements he discovered in doing his research.”
The filmmakers were honored to have the opportunity to film a portion of “Dunkirk” on the actual beach and at the same time of year that the miraculous evacuation happened. Filming also took place in Holland, the UK and Los Angeles. “Dunkirk” features a multigenerational ensemble cast, including Fionn Whitehead, Tom Glynn-Carney, Jack Lowden, Harry Styles, Aneurin Barnard, James D’Arcy and Barry Keoghan, with Kenneth Branagh, Cillian Murphy, Mark Rylance and Tom Hardy.
Nolan directed “Dunkirk” from his own screenplay, utilizing a mixture of IMAX® and 65mm film to bring the story to the screen. The film was produced by Emma Thomas and Nolan, with Jake Myers serving as executive producer.
“Dunkirk” is a presentation of Warner Bros. Pictures and a Syncopy Production. Opening in conventional theatres and IMAX on July 21, 2017, the film will be distributed by Warner Bros. Pictures, a Warner Bros. Entertainment Company.
Fionn Whitehead picture courtesy of Melinda Sue Gordon
“Dunkirk” movie scene courtesy of Warner Bros. Pictures
The COVID-19 pandemic has claimed yet another event for long-distance running enthusiasts.
The Marine Corps Marathon, with its picturesque course that takes runners through some of the most historic parts of Arlington, Virginia, and Washington, D.C., will not be held in person in 2020 for the first time in its 45-year history. The main event had been scheduled for Sunday, Oct. 25.
“We explored various approaches to safely execute a live event and held numerous meetings with Marine Corps leadership, local government and public health officials,” said Rick Nealis, director of the Marine Corps Marathon Organization (MCMO) in a statement. “We understand this is disappointing news for many, but we could no longer envision a way to gather together in compliance with safety guidelines.”
Race organizers will instead offer participants opportunities to register and complete distances for certification via the Marine Marathon website.
“Health and safety are our top priorities during this challenging time,” said Libby Garvey, Arlington County Board Chair. “The Marine Corps Marathon is a treasured event and tradition in our community that Arlingtonians look forward to each year. As we celebrate the race’s 45th anniversary this year, we will be enthusiastically and virtually cheering on each runner. We can’t wait to welcome these dedicated athletes and fans back to Arlington in person in 2021.”
Continue on to USA Today to read the complete article.
This year, in addition to using the organization’s unique brand of motorcycle therapy to aid combat veterans dealing with PTSD, the veteran-operated, non-profit organization will implement a “service before self” initiative to show appreciation to first responders who have been working on the frontlines during the COVID-19 pandemic.
Veteran’s Charity Ride uses “motorcycle therapy,” a proven remedy that provides therapeutic solutions to help fellow veterans move forward and adjust to civilian life. The 2020 ride will include 15 total veterans – nine new veterans, along with six returning veterans who will serve as mentors.
“During these extraordinary times, getting our veterans out of the house and supporting them with the liberating power of motorcycle therapy is more important than ever,” said Dave Frey, U.S. Army Veteran and Veterans Charity Ride Founder. “To be able to combine those efforts and honor our selfless and invaluable first responders during this unprecedented pandemic makes this journey even more gratifying. In light of COVID-19, we will be implementing necessary precautions to stay safe and healthy, as we come together to heal and support one another on our ride to the legendary Sturgis Motorcycle Rally.”
This year’s ride to Sturgis will start on July 29, 2020 in Moab, Utah where the group will cruise through the mountainous roads of Utah, stop in the cities of Craig and Fort Collins, Colorado and ride through some of the nation’s most scenic backroads and highways before arriving at the Sturgis Motorcycle Rally in South Dakota on August 7, 2020. The travelers will be riding a variety of Indian Motorcycle models, outfitted with ReKluse auto clutch systems and custom-built Champion Sidecars for amputee and paraplegic veterans. The journey provides an experience for veterans to bond by implementing team-building exercises that allow riders to share stories and memories of their service during a two-week, mind-cleansing motorcycle ride.
For years, VCR has supported veterans by creating a healing atmosphere through motorcycle riding and camaraderie when stopping at several small towns to commemorate and honor our nation’s veteran heroes. This year, the event will have an added focus on lives outside of veterans, extended to first responders who have courageously held the frontlines in the fight against the coronavirus pandemic. By following strict safety and sanitary guidelines, VCR will extend an additional hand out to these frontline workers by providing personal protection equipment and hosting barbecues at select tour stops.
“Our nation’s veterans and healthcare workers are an inspiration, and we’re grateful to be a part of an experience that honors their selflessness and sacrifices for our country,” said Reid Wilson, Vice President for Indian Motorcycle. “We’re honored to continue supporting the Veterans Charity Ride and are humbled by their work and positive impact on our veterans.”
The Veterans Charity Ride to Sturgis was conceived and developed by veteran Army Paratrooper Dave Frey and Emmy Award-winning producer and director Robert Manciero, leveraging the therapeutic effects of motorcycle riding to create an adventure of a lifetime for wounded veterans.
Indian Motorcycle is America’s first motorcycle company. Founded in 1901, Indian Motorcycle has won the hearts of motorcyclists around the world and earned distinction as one of America’s most legendary and iconic brands through unrivaled racing dominance, engineering prowess and countless innovations and industry firsts. Today that heritage and passion is reignited under brand new stewardship. To learn more, please visitindianmotorcycle.com.
ABOUT VETERANS CHARITY RIDE
Veterans Charity Ride (VCR), started by veterans for veterans, is a non-profit organization that delivers Motorcycle Therapy and additional life changing, life-saving holistic programs specifically designed to assist wounded and amputee combat veterans with their needs and the issues they deal with on a daily basis. Helping our fellow veterans through outreach, action, activities, education and follow-up is what drives our organization. The end result of our program is a healthier and happier, more capable individual, who is now living life in a much better physical and mental condition, and able to help and support other veterans to do the same. Visit veteranscharityride.org to learn more and support this worthy cause.
Miracles happen every day at CAMO Foundation, and the angels who perform them are the 4-legged variety. Dedicated to providing service dogs specifically trained for the unique needs of disabled veterans, the nonprofit organization in Palm Beach Gardens, FL is the only organization in the country that uses mature dogs rescued from local pounds.
The brainchild of Mike Lorraine, a professional dog trainer with 20 years experience, the foundation is located on a picturesque farm in south Florida, co-owned by Lorraine and a local area businessman, Joe Mullings. Their mission is simple: Provide military veterans who are physically or emotionally challenged with shelter dogs who have the right qualities—intelligence, focus, drive—to be service animals.
Yes, shelter dogs! Most service dogs are raised as puppies. However, Lorraine believes that there’s a certain fearless, stoic quality that makes select shelter dogs the perfect match for injured combatants. You might say that they’ve both seen conflict and survived.
One of CAMO’s biggest success stories so far is 26-year-old Matt Kleemann, a former Navy diver who specialized in underwater repairs on submarines. While driving home along a snowy road, he swerved to avoid a deer and plunged over a cliff. When he awoke, he was paralyzed from the chest down. Wheelchair-bound, he says, “The original plan was for me to just get my dog, Charlie Brown, but Mike saw potential in me. So, I started to come down every day.” Today, Matt serves as a mentor to visiting veterans.
On the morning of December 7, 1941, in Pearl Harbor, Hawaii, Adone “Cal” Calderone had just finished his breakfast aboard the USS West Virginia, when his ship was attacked by eight torpedoes and four bombs from a Japanese air raid.
The 21-year-old soldier was trapped and wounded on the ship from the attacks, taking shrapnel to the face along with other injuries. “The doctors wanted to keep me longer,” Calderone said of his injuries, “I wanted to get back out there.”
Calderone would go on to serve the Navy for a total of six years.
Now a World War II veteran and a survivor of the Pearl Harbor bombings, Calderone resides in Stark County, Ohio, where he just celebrated his 100th birthday.
Calderone enjoys music, driving, staying active, and sharing his experiences from the war. “Dad really gets around,” Calderone’s son, Greg, told Stars and Stripes. “It’s amazing that he’s 100 years old.” Calderone’s 100th birthday officially makes him the oldest known living Pearl Harbor survivor.
“If feels good to be 100,” Calderone said, “It’s so nice, very nice.” Calderone spent the day celebrating with about a dozen of his family members and friends, including his wife of 75 years, Carrie, at a surprise birthday gathering in front of his house.
When asked what the secret was to his 100 years, Calderone gave a smile and reported without hesitation, “Good wine.”
The first time it happened caught Kimberly Petersen off guard when she was watching her daughter, Allyson’s softball game. Seconds had passed, yet Allyson still had a blank stare, if not, unconscious look on her freckled face. Episodes like this kept repeating on and off the softball field, with each instance lasting for between 20 to 30 seconds.
Allyson, 11-years-old with long brown hair that matched the color of her piercing hazel eyes — the spitting image of her mother at that age — had something wrong going on inside of her. From what her daughter was exhibiting, it appeared to Petersen to be a type of epilepsy known as absence seizures, which are common among children.
Petersen spent eight years in the Navy as a corpsman. Her grounding in medicine came from advanced placements at clinics and hospitals. She and her “Ally” thought nothing more of the seizures. Allyson, unsuspectingly thought she was merely spacing out.
Appointments were scheduled with her regular doctor but problems arose with her insurance provider, preventing necessary scans being done. The alarm bells slowly began to ring as the length of each seizure Allyson experienced began to intensify, and were now accompanied with facial grimacing and her right-hand curling inwards during each episode. The noise finally hit a crescendo one summer evening in June 2016, when Allyson experienced several prolonged seizures in the same day, including a terrifying moment unlike anything before.
“We were out on the front deck when she collapsed on the flowers,” Petersen said of the startling scene that took place at their home in Sturgis, South Dakota.
Allyson’s body draped over the broken pots.
“I rolled her over, and she had stroke-like symptoms on the right side of her face.”
Allyson needed immediate medical attention and was soon after taken to the emergency center at Regional Hospital in Rapid City, a 30-minute drive from their home. After undergoing several tests, including a CT scan, it revealed that a tumor had massed over a section of Allyson’s brain that controls for speech and motor functions. Scared and frightened by the revelatory news, Allyson looked at her mother and said, “Am I going to die?”
Nearly 5,000 children and adolescents are diagnosed each year with a brain tumor, according to the American Cancer Society. As the second most common form of cancer in children, very few drugs exist in the marketplace to treat brain tumors, making traditional methods of radiation, chemotherapy, and invasive surgery typical medical care options that supplement clinical trials.
Days after visiting the emergency room, Allyson was admitted to the University of Minnesota’s Masonic Children’s Hospital in Minneapolis, Minnesota, where she underwent an open craniotomy to remove the brain tumor. The procedure didn’t go according to plan.
During the surgery, the pediatric neurosurgeon recognized that the tumor had embedded itself deep in the brain. In the best interest of Allyson’s quality of life — ensuring she has full ability of speaking and motor functions — the decision was made to leave a fraction of the tumor in her brain to avoid any permanent damage.
In the three months that had passed since the procedure, it was discovered that the tumor had begun to regrow. With limited treatment options, Allyson was placed in a clinical trial to mitigate further growth of the tumor. The treatments didn’t work as Allyson developed complications that resulted in her leaving the trial. Chemotherapy became the next preventive measure to quash the tumor’s growth.
“She started developing cells behind her cornea which can cause blindness and irreversible damages,” explained Petersen about the dangerous side effects Allyson experienced from the cocktail of drugs that had been pumped into her body.
Several years had gone by since Petersen and her husband divorced. She wasn’t just taking care of her sick daughter and keeping her family afloat. She was also midway through a master’s degree program. The balancing act came at a high cost.
“Even though I have good insurance,” she said, “the out of pocket expenses, the food, the hotels, gas, time away from my other kids, putting the dog in the kennel, it felt like I was robbing Peter to pay Paul.”
She and Allyson frequently commuted more than 600 miles from Sturgis to Masonic Children’s Hospital so that Allyson was able to receive critical follow ups and MRI scans each phase of her cancer treatment. Depending on how much time Petersen was able to take off from the Meade School District, where she serves as a special educator, she wasn’t left with many options.
Flying to and from Minneapolis wasn’t in the cards. Petersen would either have to book it to Minneapolis in one day or spend the night at her parent’s home in Watertown, a six-hour drive from Sturgis, before spending the next four hours getting into the city.
Bills began piling up. Those that could be paid were done in piecemeal. Other bills weren’t paid at all. Downsizing expenses and making ends meet became the survivalist mentality she and her family adopted under the sole income she was bringing in. They had no other choice. It got to the point where she had to seriously ask herself, “do I pay the credit card bill, or do I pay the water bill?”
In the pecking order of priorities, Petersen was stretching every dollar she could to ensure her children had food on the table, a roof over their heads, and that she had gas in her car. She even picked up a summer job to supplement her salary by working nearby Black Hills National Forrest at an RV resort in Spearfish, South Dakota. Yet for all that she was doing to make ends meet, she was delinquent on her monthly mortgage payments.
Five months overdue, her home loan provider gave her notice that if she were unable to pay the balance and associated late fees in full, she would face foreclosure on her home.
“I have four kids looking up to me. I can’t quit, and I can’t sit there and wallow about it and have a pity party,” she said of finding any ways to deal with her financial circumstances.
While there were plenty of times, she admits, where she broke down and cried out of sight of her children, sometimes in the car or the backyard, she was resolved to seek help. Her mother, Linda, insisted she look into the Gary Sinise Foundation as a few years ago, the organization had helped her younger brother with the purchase of a new suit for his wedding. Perhaps the Foundation could help another veteran in financial need.
Through the Gary Sinise Foundation’s Relief and Resiliency program, the urgent financial needs of those like Kimberly Petersen are addressed through an initiative called heal, overcome, persevere and excel or H.O.P.E.
Petersen was hesitant at first but eventually relented, and in early February of this year, she submitted an initial inquiry seeking mortgage assistance. Within days of her submission, the Foundation’s Outreach team contacted her, requesting additional information to supplement the initial application. Not long after, she received a phone call from the Foundation with an update on the status of her application.
“She was taken aback and almost relieved of her stress,” said Nick Wicksman, who handled Petersen’s application from the start, and who was on the phone with her as the bearer of good news.
The Gary Sinise Foundation was going to cover the last four months of her mortgage and associated late fees. Petersen, having struggled tooth and nail year after year supporting her family as a single mother, was overcome with gratitude.
“She’s able to no longer worry about what is owed but to focus on the present and future by focusing on the health of her family,” said Wicksman. Had she not received financial assistance from the Gary Sinise Foundation, Petersen said matter of factly, “We would’ve lost the house.”
While they’re not out of the tunnel just yet in Allyson’s cancer treatment, they can see the light. Despite setbacks in her regiment of treatments, Allyson was able to compete on the freshman girls’ volleyball and softball teams during the school year while also participating in the school newspaper as a photographer and journalist.
She fights the fight as oral chemotherapy treatments continue as do visits to Masonic Children’s Hospital. Looking back on the last four years and thinking about the question Allyson had asked her late in the night while at the emergency center, Petersen said, “In some ways, the tumor and her cancer diagnosis have brought us closer together because we’ve learned that you don’t know what’s going to happen from day to day.”
“Between Masonic Children’s Hospital and the Gary Sinise Foundation, I know I wouldn’t have my daughter.”
World War II veterans and lifelong friends celebrated their 96th and 97th birthdays together in Whittier, California on Sunday. U.S. Army Veteran Randel “Randy” Zepeda Fernandez is turning 96 this week. His best friend of nearly 90 years, U.S. Coast Guard veteran Salvador “Sal” B. Guzman, just turned 97.
Fernandez’s son, Steve Fernandez, decided a major event was in order to mark the momentous occasion.
So he organized a massive celebration that drew a parade of community members, firefighters, sheriff’s deputies and even mariachi musicians.
“This is amazing. I didn’t expect it to be this big,” Steve Fernandez said.
Both veterans said they were surprised by the outpouring of gratitude.
“I knew nothing about this,” Guzman said.
The men’s friendship dates back to childhood.
“We’ve known each other since the second grade,” Randy Fernandez said. The men attended elementary school and junior high together, before they both attended Garfield High School, they said.
Randy Fernandez helped liberate concentration camps and fought in the Battle of the Bulge, according to the Los Angeles County Sheriff’s Department, which helped organize the event. Guzman patrolled the Northern California coastline on horseback from 1943 to 1944.
“Both veterans reunited in the 1950s and bought their first homes on the same street in Montebello, raising their families together,” the sheriff’s department said in a written statement.
Continue on to CBS News to read the complete article.
At the start of the year, one semester separated Renne Villareal from earning a degree in Special Education. One semester stood between her and starting a career teaching kids and adolescents diagnosed with physical and mental learning needs.
Her years-long endeavor started in high school, fueled by what she saw as malicious attacks on the boys and girls whose impediments made them targets of harassment. They were teased and bullied because of how different they looked and spoke. Some were called “stupid,” while others were called “lazy.” Villarreal was not one to stand idle and watch. She felt the instinct to charge to their defense. It was the right thing to do, no doubt, and it came as second nature.
Both her parents served in the military, which is how Villarreal inherited their values and sense of duty. Standing up for the rights of others, and advocating for kids with disabilities became her mission ever since her time as a student at Lyman Hall High School.
“I realized this is what I’m going to be good at. I want to be a teacher,” she said. “I want to help and stick up for these kids that need me.”
At Southern Connecticut State University, where Villarreal is currently an undergraduate, her fieldwork in Applied Behavior Analysis (ABA) therapy puts her side-by-side teaching children with autism. Under the guidance of an accredited therapist, she develops individualized lesson plans focused on improving her client’s interpersonal behavior and learning skills.
At the same time, for the last two years, Villarreal has been serving part-time in the Connecticut Army National Guard, attached to the aviation unit of the 1109th Theater Aviation Sustainment Maintenance Group. Joining the National Guard was her way of fulfilling her patriotic duty and honoring her parents’ service. The pay isn’t much, she admits, so to make ends meet, she supplements her income from the army and therapy by working a few days a week at the neighborhood PetSmart.
Up until the second week of March, she was living paycheck-to-paycheck. But the 23-year-old single mother, the sole breadwinner with a two-and-a-half-year-old daughter, was unprepared for the public health pandemic sweeping across the country.
A crisis loomed on the horizon.
On March 8, Governor Ned Lamont announced the state’s first confirmed case of COVID-19. The dominos fell right after with COVID-19 infections popping up in counties throughout the state.
Southern Connecticut State University closed its campus, opting to deliver the curriculum online for the next semester, which pushed Villarreal’s fieldwork courses from the spring term to the fall. It also pushed back her graduation date to later in the year.
One by one, her primary sources of income started drying up. The National Guard reduced her service hours, and with that, a drop in her monthly paycheck. Parents of her clients canceled ABA therapy sessions for the foreseeable future. And a number of part-time employees at PetSmart, including Villarreal, were furloughed.
Her life was upended in a matter of weeks. “How am I going to pay rent?” she asked herself. “How am I going to put food on the table?”
Sleepless nights beget sleepness nights. Alone and caring for her daughter with limited resources at her disposal, Villarreal was overcome by a cruel mixture of stress and depression. Standing amongst the throngs of people waiting in line at the local food bank one day, Villarreal felt she had hit rock bottom.
“I felt like a bad mom because I wasn’t able to provide,” she said. “No mom wants to feel that way.” As her finances started dwindling, Villarreal had her reasons for hesitating in asking for help.
“In my mind, I’ve always done everything by myself,” she said while ticking off a list of life decisions she made independently of others from enlisting in the army and working multiple jobs to paying for her bills and education.
By the time she contacted the Gary Sinise Foundation at the end of March seeking financial assistance, Villarreal said her situation was making her “drown with worry.”
“I put in all my effort to try to make the best life for my daughter and me that I can. I felt like it was all about to go down.”
To keep her afloat, the Foundation paid two months of her rent through the Emergency COVID-19 Combat Service fund. Villarreal also received a Walmart gift card to cover the costs of groceries and other out of pocket expenses, such as buying diapers.
“The foundation literally changed my life,” she said. “I don’t know how I would have made it without them.” In a matter of days after receiving help from the Foundation, Villarreal has experienced an about-face in her life.
No more waiting in line at the food bank with her fingers crossed that staples such as milk and eggs will be available, and more importantly, not past their expiration date. No more stressful days and sleepless nights that mired her for weeks on end.
“It’s scary to think that I could have lost everything I’ve worked so hard for,” she said about being embarrassed and afraid to ask for help. In short order, she and her daughter, Natalie, have become glued at the hip.
“I’m able to really take advantage of my time now and just catch up with myself,” she said about having time to relax and read a book or take Natalie outdoors to go fishing and to the park.
When Villarreal graduates this fall, she will be among a growing number of professionals nationwide who are entering an in-demand occupation. Projections from the Connecticut Department of Labor show a dearth of special education teachers at the primary and secondary school levels. Increasing numbers of children over the years have been diagnosed with a physical or mental disability that adversely affects their ability to learn in the classroom, explained Villarreal.
In the 2015-16 school year, more than 70,000 students in kindergarten to 12th grade in the state of Connecticut required special education. That number has since ballooned in the last five years to well over 79,000 students representing 15.6% of the state’s student population.
Despite the uncertainty of what lies ahead for her and Natalie with the state yet to see a bend in its curve of coronavirus cases, Villarreal remains focused on becoming a special education teacher.
The Blue Water Navy Vietnam Veterans Act of 2019 was passed in January, and with it came a lot of changes for military and veterans that they may not know about. As a Navy veteran, I am extremely thankful that this Act carries with it long-awaited benefits to those Navy Vietnam veterans.
The law also brings with it a host of other benefits that changes the landscape of the VA Home Loan benefit as we know it. The new law exempts Purple Heart recipients currently serving on active duty from the VA Home Loan Funding fee. In 2019, you couldn’t receive exemption status unless you were receiving VA disability, and as it stands today, we have a lot of active duty still serving but who were injured in combat and received Purple Hearts that would have had to wait until discharge to be exempt.
Prior to the Blue Water Navy Act, the VA Home Loan Benefit provided entitled military and veterans an opportunity to purchase a home up to, but not limited to, the Federal Housing Finance Agency (FHFA) conforming loan limits with zero down payment.
For example, to buy a home in St Louis, Missouri, a qualified veteran or military member could purchase with no down payment up to the conforming loan limit, which in 2019 was $484,350. Now this sounds great, and it has been a great benefit no doubt, but what about the high cost areas? What about folks who live in the coastal regions where housing prices have sky rocketed over the last 5, 10, 15 years?
These folks would have to bring in sizable down payments in a market like today, where the supply is low, most options are new construction and the prices are extremely high. So, our military members were forced to rent, or even worse, settle for substandard housing options (we won’t get into those).
Then this little miracle showed up on January 1, 2020, and changed everything! VA Guaranteed Home Loans will no longer be ‘limited’ to the FHFA conforming loan limits. Military and veterans who are entitled to the benefit will now be able to obtain a no-down-payment home loan in all areas of the United States.
The caveat to this is that every lender has established specific caps or max loan amounts they are willing to lend on this program. This actually gives our men and women of the armed forces and veterans the opportunity to purchase their dream home, in their dream location, across the US without having to worry about a substantial down payment. The VA Home Loan is the best performing loan in the mortgage play book.
Every servicer would like to have these types of loans in their portfolios because they have very low default/foreclosure rates. This is a testament to the folks who get VA Loans, who have shown such as honor, courage and commitment! Those who are eligible for this program have all raised their right hands and said they are willing to give it their all for our freedom! This change was long overdue and an exciting new chapter for military and veteran home buyers.
Like you, I have been cooped up in my apartment for almost two weeks. For me, the lifestyle hasn’t changed all that much, except when I head outside, the experience is very different.
Since being confined to a wheelchair, I’ve had to adjust to working more from home. It took me over ten years to adjust to my situation, so to expect anyone to do it overnight is a really tall order. Everything is closed except for the huge lines waiting to get inside the grocery stores. No one is hanging out at the coffee shop, the malls are either empty or closed all together, and even the pool at my apartment complex is locked due to “an abundance of caution.” I agree with these measures since they are meant to save lives. But in the meantime, I can’t help but wonder if the lives the government is hoping to save aren’t going stir crazy wondering when this will all be over.
During my voluntary internment, I’ve been catching up on my reading. Much has been work-related, with some personal development mixed in, and quite a few have been articles advising us on how to best cope with the current crisis. My current book is titled, “How to break the habit of being yourself.” It’s quite a read.
I have read articles providing ideas on working out inside your home, new recipes to try, even ideas on making movie and music lists. There have been articles on the power of positive thinking during this crisis, and that may be the most misused concept yet. I’ve heard many state and federal government briefs stating over and over that this is a temporary condition, yet I’m pretty sure when this article is published, we may still be in our homes waiting out this wave.
I am part of a group of neighbors that get together every Wednesday and share some good wine and conversation and catch up with each other in our neighborhood clubhouse. It has been closed for a few weeks, so we decided to meet outside today, keeping our six-foot distance and each bringing our own wine. We were having a great time until one of the complex managers said we had to go back to our apartments. I complied, as did everyone else, and I cannot say the manager was wrong to do it. In fact, looking back, I can say it was the correct decision. I just felt like a 54-year-old man being told to go to his room.
I can’t help but wonder once this is all over, will everyone have adjusted to the new habits, and will shaking hands will have become a thing of the past? When these thoughts enter my mind, I immediately find a book I’ve been putting off reading, place a Blu-ray on I’ve been thinking about, or just sit down with my wife and have a cup of coffee together, something we haven’t done in a long time. Thanks to the current level of technology, I can meet with clients and friends using Zoom or Skype, something I am quite used to. I actually did my first year at USC from my hospital room, and it was the Skype application that allowed me to be in the classroom. This was in 2012, long before the schools went online. Necessity is always the mother of invention it may seem.
I am part of the population with compromised health issues. Being paralyzed, having bronchitis as a child has left me with scar tissue on my lungs, and being in my mid-fifties all means I cannot afford to be cavalier about the current situation. Now when my wife says to make sure I take a jacket, or don’t forget my hat, I no longer say “I’ll be fine.” Now my answer is “Thank you sweetheart. I got it.” I head out, collect what I need, and return home.
I am attempting to build relationships online, in the hopes that when we are allowed to congregate again, we will still be somewhat familiar with each other, and have a newfound appreciation for the joys of personal connection. There are networks on LinkedIn and Facebook for every group you can imagine. Nextdoor.com is also a great place to find and connect digitally with your neighbors. If you’re in Orange County, I relish the day when we can meet in person, share a cup of coffee at my favorite coffee shop, or grab a nice lunch (or martini) at my favorite hangout at the District Mall.
I can’t pretend the current situation is not happening (which it is), nor abandon hope that it is temporary (which I know). I realize by taking these steps now, I am participating in a practice that will benefit our nation, and possibly save a life. I remind myself that I am not being sent to my room, I am doing this willingly in support of a greater health effort. When I feel frustrated or cooped up, which happens more than I’d like to admit, I find a lesson online and learn something new, or take time to reconnect with my wife.
One thing is for sure: Our habits and attitudes will be forever altered. Some for the betterment of society, some for the safety of ourselves and our families. Let’s attempt to make those changes out of diligence, and not fear.
To quote author John Shedd, Admiral Grace Hopper, and Albert Einstein, “Ships are safest when in port. But that’s not what ships are for.”
Be safe and healthy everyone, and remember, “This too shall pass.”
People Magazine‘s Senior Graphics Operator, Nikki Smalls, and Live Graphics Operator, Lucas Walsh, began a conversation one day about Walsh’s sister, Caitlin Walsh. Caitlin is currently serving in the Navy aboard the U.S.S. Truman.
The entire crew of the Truman tested negative for COVID-19, but have collectively agreed to isolate themselves rather than take deployment as an extra precaution.
When Nikki Smalls heard about Caitlin and the rest of her crew, she wanted to find a way to show her gratitude for their service while also spreading some extra joy. Teaming up with her daughters’ Brownie Scouts Troop, Troop 83340, she decided to lead the girls in creating care packages to send to those serving on the U.S.S. Truman.