2010/08/30

Money Monday

10 Money Moves That Will Always Pay Off

What You Should Save For College Each Month

Why I Took Social Security Early

People reveal their biggest money regrets

5 ways to creatively cut school-supply spending

Fall Shoe Trends for Less!

How to make your own non-toxic oven cleaner

Are E-Books Worth the Money?

Millions of American Taxpayers Make Money Off Federal Taxes

The Perfect Credit Score: Cracking the Code

Watch Out for Rising Credit Card Rates

Get Out of Debt the Right Way

Don't let your car go unfixed in a recall

4 tips for kid-friendly savings

How to use the credit card minimum payment calculator

Blended life insurance: more policy for less cash

New gift card rules a boost for spenders

Travel Sites Get Boost from Four-Star Hotels at Three-Star Prices

How Expensive Will Food Get?

The Real Cost of Birth Control

How to Fix 7 Common Budgeting Mistakes

5 Sneaky Ways to Save $100 a Month

When Financial Planners Are Worth the Money

The Best Beauty Products for Smart Shoppers

Six Popular Credit Score Myths

Strategies to pay off that credit card debt once and for all

3 million seniors may have to switch drug plans this year

Absurd airfare pricing sparks increase in consumer complaints

Best Buy starts buying used video games, will soon resell them

Costco may soon be coming to a mall near you

Target wants to buy your used video games, iPods and other electronics

10 new ways to use nail polish remover

World's largest hotel group promises to pay checked baggage fees

5 ways to convince the bank you deserve a (better) home loan

Identity theft protection: 12 tips to help consumers

Is hiring a tutor for your child worth the money?

iPhone travel apps could cost you thousands in data usage fees

Finish college with zero debt

At last: Next-day shipping for the iPad

Finances for a special-needs child

Labels:

2010/08/29

DoDEA Virtual School

This appears to be a good supplemental program for children who are eligible to attend DoD schools. There are still restrictions as to who can utilize the program (living on post, etc) so it is not open to all military children - which is unfortunate at best. Have a look at the article and then find the 'school' link below.

Virtual High School Opens ‘Doors’ to Learning

The Defense Department’s newest high school is devoid of walls or windows, but yet has opened its “doors” this year to students scattered around the globe.

The Department of Defense Education Activity’s virtual high school is an accredited distance-learning program for military students, whether they’re geographically separated, transitioning between schools or just dealing with a scheduling conflict.

“It’s a wonderful opportunity to close gaps and enhance students’ educational experience in a 21st century environment,” Marilee Fitzgerald, the activity’s acting director, said. “I think it opens up possibilities for learning that we have yet to understand, yet to explore.”

The virtual school offers students 48 online courses in a wide range of disciplinary areas, including foreign language, math, science, social studies, language arts and physical education, as well as 15 advanced placement courses. The school also is equipped to offer English as a second language and special education, Patricia Riley, chief of the activity’s distance learning and virtual school, said.

The school primarily is designed for students eligible to attend a Defense Department school but are living in remote locations, Riley said, noting that students from as far away as Australia and Papua New Guinea already have enrolled. Most attend local schools but need courses such as U.S. history to graduate, she explained, and the virtual high school can help to fill this gap.

Next up on the priority list are students currently attending Defense Department schools, Riley said. Students are asked to seek traditional in-school classes first, but can request online access when there’s a scheduling conflict or if a required course isn’t offered in the school. The virtual school also is useful, for instance, for students transitioning from overseas to stateside, or from a Defense Department to public school, who need to ensure they meet the requirements for their new school, she added.

“This school is particularly important for military dependent students, who do move more often,” Riley said, noting she’s talked to parents whose children have attended up to four different schools during their high school careers.

“The flexibility of scheduling is critical and speaks to the transition needs of students in military families,” Riley said. Education activity officials are “well aware of the curriculum needs and planning that needs to take place to help students meet academic goals.”

The courses are self-paced, but students still receive support every step of the way. Teachers are located in three hubs -- Wiesbaden, Germany; Camp Humphries, South Korea; and Arlington, Va. – and offer real-time online support to students scattered worldwide in a range of time zones, Riley said.

“We strategically placed them in different parts of the world to be closer to where students are,” she explained.

This live support enables Web conferencing, peer-to-peer data sharing and question-and-answer sessions with teachers. “They’re also there to simulate the true classroom experience of a face-to-face environment,” Riley said.

The school has a model of 20 to 25 teachers per 1,000 students, but is far from full capacity, Riley said. Additionally, the school has a “virtual counselor” who works in concert with counselors at local schools. The counselor can help students identify possible voids and fill those requirements with virtual classes, she added.

As for the road ahead, Riley said plans are in the works to make the virtual school diploma-granting, which would require the school to offer all of the courses needed to meet graduation requirements. The virtual high school currently operates as a supplemental school, she explained, meaning it’s intended to fill in the gaps rather than replace the activity’s brick-and-mortar schools.

“The majority of students only need supplemental courses,” Riley said. “However, we also want to accommodate those students who are in isolated situations and might need the ability to acquire a diploma from a distance.”

Officials also hope to create virtual elementary and middle schools down the road, Riley said. “But this high school is a great starting point and increases education opportunities for our students.”

Fitzgerald called the virtual high school a “great step forward.”

“It’s an important contribution to the way we educate children in the 21st century DoDEA,” she said.

DoDEA Virtual High School Program Info

DoDEA Virtual School

2010/08/26

Correct Terms

I speak incorrectly 'some' of the time. What I call my southern taught and accepted terminology is often times wrong - but I embrace it nonetheless! Now that an article has pointed out my errors, maybe I will make more of an effort to catch myself before I speak.

On second thought - nope, I ain't gonna do it. :)

2010/08/23

Money Monday

3 Tips to Raise Your Credit Score - Fast

Cheapest days to shop online

Best TVs under $1000

The Best Back-to-School Laptops

AmEx voted best credit card issuer for 4th year in a row

The 411 on Facebook Places and privacy

Think Bonus Miles Are a Deal? Do the Math

Slowdown or Double Dip? Either Way, You Should Be Prepared

Oil prices' 'historically bad week'

Children return to crowded schools and fewer teachers

GMAT Test Prep: Changes on the Way

AT&T, Angie's List Take Cues from Groupon

Do We Need Fannie And Freddie?

10 Best Cities To Find A Job

Best vehicles for fuel economy and acceleration

How to Negotiate a Lower Credit-Card Rate

When Your Child's School Asks You to Give, Give, Give

States Hiking Consumer Taxes

5 FAQs About Tax Law Changes for 2010-11

How to Set Your Child's Allowance

Nikon Improves Its Entry-Level D.S.L.R.

6 Expenses to Ditch in Retirement

Forecasting the Next Big Airline Fee

Challenge Yourself to Save Cash

The New Rules of Movie Rentals

New Rules for Gift Cards

Smartphone wars: Everything you need to know about RIMM, Google and Apple

Textbooks Up Their Game

6 Ways To Cut Back-to-School College Costs

Bad Credit? Your Options Are Getting Better

Check value of savings bond online

College aid rules can be confusing

How much can a debt counselor help?

Expensive car repairs

Get 30% off at Gap for back-to-school and feed America too

Back-to-school clothing sale at Charlotte Russe

An insider's guide to five sneaky restaurant cheats

Learn how to spot and avoid counterfeit money

11 alternative uses for dental floss

What happens to your debts after you die?

Higher health premiums to shrink paychecks?

FTC losing patience with deceptive 'free credit report' offers

Connect with nearby friends without revealing your location to Big Brother

Catching companies that give your e-mail address to spammers

How one man recovered from student loan disaster -- and you can, too

Insurance regulators issue consumer alert on death benefits

Helping Your Kid Financially Prepare for College

2010/08/22

A Milspouse Must Read

The Meaning of Sacrifice

2010/08/20

Things of note....

Senators announce new military family caucus

Combat brigades in Iraq under different name

DOD might hire more mental health professionals

Pentagon releases final report on Fort Hood shootings

Final Fort Hood Shooting Review Prompts Changes

Fort Hood Follow-on Review

Soldiers who saw start of war as youth make up 'Iraq generation'

Military Family Life Project Survey Closing

The Yellow Ribbon Newsletter

"Heroes at Home" Program transitions to New Parent Support Program

2010/08/16

Kid Things....

My eldest frequently has a bloody nose. I have taught him to take his blood stained shirt off and put it into the sink with cold water. That helps mom when it comes time to do laundry. Recently I found him in the bathroom tending to his bloody nose by sticking TP up his nose. He also had the sink filled to the brim with cold water AND hand sanitizer. When I inquired as to what he was doing he replied that not only was he getting the blood stain out of his shirt, he was killing germs at the same time. I have a feeling that he also poured some liquid soap in the sink as well - the bubbles were so massive that he was then able to mop my floor with them.

My youngest has always (until this point) loved for his hair to be cut very short. Military/Daddy style. When I attempted to give him a haircut yesterday he boldly told me that he wanted to have a mohawk like the little boy he met a few years ago (thanks AFW) and that he wanted to color it blue to match his soccer uniform. UGH. While I have no issues allowing an eight year old to express himself in seemingly small ways, daddy will have nothing to do with that. So the hair did not get cut. I will deal with that another day.

Money Monday

Home Depot Military Discount: Official, Updated Information

Why Do Members Of The Military Not Invest In The Thrift Savings Plan?

10 Reasons to Make a Spending Plan

USAA Branches Are Coming To A Military Base Near You With USAA Financial Centers

Benefits Are A Large Portion Of Your Paycheck and Should Be Considered When Leaving The Military

Sneaky Costs That Can Bite The First Time Home Buyer

Year-Long Discounts for College Students

Tips for Travel With (and Without) Pets

Deciphering Cellphone Family Plans

The Wedding Gift Etiquette Guide

10 Things the DMV Won't Tell You

5 Ways to Quickly Boost Your Credit Score

The Myth of Good Debt

The Easiest Cars To Bargain For

Don't Let Money Problems Ruin Your Marriage

How to Retire Comfortably for Under $1,500 a Month

15 Things You Shouldn't Be Paying For

Are Pools Money Pits?

12 New Rules for Your Money

How to Find Cheaper College Textbooks

For Android newbies: 10 questions, answered

Financial Products That Are a Waste of Money

The Most Generous Credit Card Rewards Offers

Watch Out for These Debit Card Pitfalls

Overdraft protection rules eliminate fees but add headaches

Smartphone smackdown

Here come the iPad wannabees

Is this finally the economic collapse?

9 investing mistakes to avoid

Best vehicles for fuel economy and acceleration

Gauging your risk of an IRS audit

Don’t opt in for overdraft protection

Pet insurance

Protect Your Kids From ID Theft

Is a Credit Card Right for Your College Student?

FHA Gets Tougher On Mortgages

What Experts Do With Own Roth IRAs

Estate-Tax Could Return With Senate Inaction

New Help for College Borrowers

Opportunity Cost: Choose the Right Products and Services to Offer

Dollar Tree small business center now online

Penny auction sites are hot, but have more risk than reward

BBB warns of phony Zappos confirmation e-mails

3 things you should never say to a debt collector

Your Social Security number may not be unique to you

Sam's Club to offer free WiFi, apps and tech advice

Paying off bills pays off: Top five female debt bloggers

ecoSquid helps sell your used cell phones for top dollar

Save a bundle on software with free, open source apps

Worst drugstore deals

Bank fees we're still getting slammed with

5 costly car dealer options to skip

Fed delays gift card rules

How credit inquiries affect credit score

Are Series EE bonds a good deal?

Labels:

2010/08/13

Charged Double

I noticed this past week that I had been double charged for a gas purchase. The issue was fixed within 24 hrs. This happened to me a few years ago as well.

Glitch may have doublecharged AAFES customers
Customers who swiped their credit cards or debit cards at an Army and Air Force Exchange Service store anytime between Aug. 7 and Aug. 9 may have been charged twice for the same transaction.

AAFES officials are urging customers to review their accounts.

Transactions at all AAFES facilities — main stores, gas stations, uniform shops — as well as purchases made through the online store, may be affected, said AAFES spokesman Judd Anstey.

Scores of AAFES employees are working around the clock to fix any erroneous charges caused by the problem, which officials described as a processing error.

“We’re putting all the resources we have towards doing the right thing for customers affected by this unfortunate turn of events,” said Army Col. Virgil Williams, AAFES Chief of Staff, in a statement announcing the problem.

“If there is an overdraft fee as a result of a duplicate charge, we’re going to fix it,” Virgil said. “Our priority is to take corrective action as quickly as possible and return customers’ accounts to the exact state they were prior to this glitch.”

If a customer finds a billing problem, Virgil said no action is initially required, as AAFES is working to correct the inaccuracies. Depending on the card used, the corrective action will be visible to the customer within anywhere from 24 hours to a couple of weeks.

Officials are working on the problem with credit card and debit card issuers, Anstey said.

2010/08/09

Money Monday

New ID theft targets kids' SS numbers

10 Expenses You Don't Need

6 Money Habits That Are Illegal

10 Worst First-Time Homebuyer Mistakes 2010

8 Steps to Prevent ID Theft

How to Avoid the Prying Eyes

Is your smart phone spying on you?

How a traffic ticket could hurt your credit

Tax-free back-to-school shopping

3 steps to breaking a car lease

USAA’s Auto Circle Launches

Smartphones May Soon Replace Credit Cards

How car rental companies pass on cost of traffic tickets

Luxury cruises lure with deals

Satellite TV customer complaints keep mounting: BBB

PayPal security key card - is it worth it?

Milo in-stock alerts help you find best deals on hard-to-get local products

Disney breaks the $80 barrier with another ticket price increase

Child identity theft and other scams to watch for

AT&T, Verizon and T-Mobile want you to pay with your smartphone

Free trial membership on back-to-school swapping site

Find deals on what you need for Back to School with Savings.com

Watch Me Score: Know the telltale signs of fake coupons

A dozen ways to use dryer sheets that don't involve the dryer

Protect yourself against identity theft

Five Expenses That Will Consume 50 Percent of Your Lifetime Earnings

10 Tips to Help You Save $1,000 By Christmas

26 Tips to Save on Entertainment

5 Tips to Save Money on Kids’ Sports

7 Tips to Save at least $1,000 on Your Next Move

Taxes: Death of the Refund Anticipation Loan?

10 Cheap Tips to Heat-Proof Your Ride

10 Sites to Help Save Gas and Money

10 Things People Buy They Should Get Free

The 20 Worst-Paying College Degrees

5 Generic Products That Are Just as Good

When Student Loans Live On After Death

Best new-car deals this month

Extreme methods for going frugal

Secrets to maximizing Social Security

$149 Android tablets at Kmart

Beware of online ID theft

Finances for a special-needs child

Are you borrowing too much for college?

Cost of Bread, Cereal Likely to Rise; Poorer Countries Will Feel Brunt

WATCH: Family Road Trips - tips on saving money when taking a family road trip

Cheap Christmas Airfare: 10 Best Web Sites

How you can earn extra cash

Investing for your children

Against the College Degree, Revisited

How to Rein In Costs of College

Should I Make My Son Get a Job?

Higher Fares, Fees Rev Up Airlines

Should You Rent Your Textbooks?

Labor Day travel deals await

12 fabulously free offers

Got trouble? Know the ins and outs of bail bonds

Labels:

2010/08/04

Back to School

Preparing Military Kids for Their First Day at a New School
The first day of school can be traumatic for many children, but military brats have the added stress of knowing that every few years their first day of school will be their first day at a new school. The good news is that you can help your child with their transition, and with a few simple steps you can smooth the path of a new learning environment for them. ...More

16 States Offer Tax Free Purchases on Back to School Items
During these "tax holidays," back-to-school items such as clothing, footwear, school supplies, computers, and certain other items, depending upon the state, may be purchased free of state sales tax. However, local sales taxes may continue to be imposed in some places, however....More

4 Ways to Choose the Right Back Pack for Kids
As back-to-school shopping commences your military child is going to beg and plead for a new back pack. However, before you cave into your child's demands, you need to ensure that you don't succumb to a plea that will put fashion above function....More

More articles available here.

2010/08/02

Budget Friendly Monday

Pay Off Your Balance Each Month? Your Credit Report May Not Show It

Free backpack at Staples

Tall Tales Your Contractor Tells

Cheap Sega, PSP, Nintendo options for college gamers

Sifting Through Summer Discounts

The problem with credit card agreements? Most Americans can't understand them

Free FICO scores exist, but aren't easy to come by

Postal rate hike less certain

How to Save 50 Percent of Your Income

Do this now, before you lose your wallet

Still Paying for Cable? That's So 2008

Six costly mistakes you can make on travel booking sites

Ways to Save on Restaurants, Travel, and More

One Way to Lower a Doctor's Bill

Save Big on Rising Wedding Costs

Student Loans Demystified

Financial Aid: Getting Started

Credit Repairs That Can Help Fix Your Credit Report Score

Home Buying Basics: A Beginner's Guide

How the Expiring Bush Tax Cuts Affect You

Calculating Taxes on Stock Sales

Lost Your Stock Statements? How to Figure Out Your Cost Basis

6 Common Laundry Problems Solved

5 Innocent Ways to Drive Up Car Insurance

Hidden cost of funding your kid's college

The best kitchen gear under $200

What retailers really know about you

How collection of Facebook data affects you

A dozen ways to use dryer sheets that don't involve the dryer

Rent somebody else's house when traveling - and save money over hotel rooms

New credit card laws help merchants, but what about customers?

Adding an Internet sales tax in an election year - you must be kidding

The latest banking scams to hit the U.S.

Is college worth your money? Poll numbers tell mixed story

Lessons From Back-to-School Buying

Is your smart phone spying on you?

Dividends Rise, Tax Hikes May Follow

Oil Tops $80 a Barrel for First Time Since May as Equities Rise

Labels:

2010/08/01

Copying Military ID Cards to Facilitate Medical Care

Copying Military ID Cards to Facilitate Medical Care is OK!
On August 10, 2009, U.S. Army North Provost Marshal published a Force Protection Advisory (0050-09-FPA) entitled Photocopying of Military Identification Cards. It stated “Recent incidents regarding the photocopying of military identification (ID) cards and common access cards (CAC) by commercial establishments to verify military affiliation or provide government rates for service have been reported. Commanders and Supervisors are reminded that the photocopying of US Government Identification is a violation of Title 18, US Code Part I, Chapter 33, Section 701, January 3, 2007, and punishable by both fine and imprisonment.

Many military members, family member and DoD employees are unaware of this law. Please pass to the lowest level and include in training for force protection, information security and OPSEC.”

The advisory was rescinded on August 13, 2009 (0050-09-FPA (Change 1)), but it has caused confusion among military personnel and providers alike in the TRICARE North Region about copying military ID cards or CACs.

Per Department of Defense Instruction (DoDI) Number 1000.13 December 5, 1997 and reinforced in the TRICARE North Provider Handbook, it is both allowable and advisable for providers to copy a beneficiary’s ID card or CAC to facilitate eligibility verification and for the purpose of rendering needed health care services. The DoD recommends that providers copy both sides of the ID card or CAC and retain copies for future reference.

A valid uniformed Services ID card or CAC alone is not sufficient to prove eligibility. Providers must
verify eligibility via Health Net Federal Services' Web site or through the eligibility Interactive Voice Response (IVR) system, available when calling 1-877-TRICARE (1-877-874-2273).

Title 18, Section 701 of the U.S. Code and the DoDI 1000.13, paragraph 6.1.7. authorizes the photocopying of the front and back of the ID card or CAC to establish the eligibility of the patient to receive care.

TRICARE Overseas Program Contract

TRICARE Beneficiaries to Get Overseas Transition Letters
TRICARE beneficiaries living outside of the United States will soon begin receiving letters updating them on the TRICARE Overseas Program Contract that begins Sept. 1, 2010.
Beneficiaries will receive the letter only if their Defense Enrollment Eligibility Reporting System (DEERS) address is up-to-date.

Current overseas enrollments in TRICARE Prime, TRICARE Global Remote Overseas and TRICARE Puerto Rico Prime will be maintained under the new contract. There is no need for anyone to re-enroll. In addition to new contract information, the letter will include an updated enrollment card and a TRICARE Overseas Program flyer.

Letters will also be sent to TRICARE Overseas Program Standard users, based on their DEERS address. The letter will inform them on how to access services available to them under the new contract. It will also contain a wallet card with customer service and support contacts.

All TRICARE beneficiaries residing overseas should ensure that their DEERS address is current so they continue to receive important TRICARE information. DEERS addresses can be updated using several methods; DEERS update information is available
here.

For more information about the TRICARE Overseas Program contract, beneficiaries can go
here.