Military Members & Veterans Face Higher Risks of Identity Theft
HOW TO BULLETPROOF YOUR BUSINESS FROM CYBER ATTACKS
Career Strategies & Resources
TMS Therapy is Helping Veterans
Transition to Civilian Careers
Navigating Education and Career with Military Precision
Misconceptions About Franchising Insights for Veterans
Support & Resources
One Veteran’s Crusade to Save Others from Suicide
Veteran Influencers Do You Rate?
Body & Mind in PTSD Recovery
Medicare OEP 2024
Homeland is a veteran-focused magazine throughout the country. It serves to assist all veterans, active military as well as their spouses and families.
It’s the leading veterans magazine emphasizing resources, support and focusing on topics and issues facing today’s veteran community. Homeland focuses on resources, support, community, transition, mental health and inspiration for our veterans, & military personnel.
The content is the driving force behind our magazine and the connection it makes with our veterans, service members, military families, and civilians.
The magazine is supported by a distinguishing list of veteran organizations & members, resource centers, coalitions, veteran advocates, and more.
We are honored to share the work of so many committed and thoughtful people.
Despite all the challenges, our team has upheld their focus and let not one opportunity go to provide resources and support to our veterans & military personnel.
On behalf of our team, we wanted to take this moment to say THANK YOU to the readers and the military and veteran community for supporting our magazine. With that support we aim to make a difference and continuing to make a profound impact on the quality of life for our veterans, military personnel and their families.
If you want to catch up on the current and all past issues please visit: www.homelandmagazine.com/archives
Mike Miller
Editor-In-Chief
mikemiller@homelandmagazine.com www.homelandmagazine.com
Publisher
Editor-In-Chief
Mike Miller
Monthly Columns
What’s Next Transition
Eve Nasby • Kristin Hennessy
Human Resources
Paul Falcone
Franchise Dreams
Doug Dwyer
Successful Transitioning Stories
Dr. Julie Ducharme
Veterans in Business
Barbara Eldridge
Risky Business
Hadley Wood
Real Talk: Mental Health
Hope Phifer
PTSD: Reclaiming Control
Robert ‘Bob’ Cuyler, PhD
TLC Caregiving
Kie Copenhaver
Legal Eagle
Kelly Bagla, Esq.
Veterans Chamber Commerce
Joe Molina
Contributing Writers
Wounded Warrior Project
Disabled American Veterans
(In-House) Correspondents
Holly Shaffner
CJ Machado
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Homeland
By Brian Buckwalter
Like many veterans, when Jason left the Marines in 1997, he felt the military’s mandatory transition classes left him unprepared to navigate the complex world of veterans benefits.
“[I was] like a deer in headlights,” he said. “Not sure where to go. Not sure what to do. Not sure what resources were out there.”
At one time, DAV benefits advocates could only attend transition classes when permitted by individual installation commanders. Jason, who asked that his last name not be used to protect his family’s privacy, didn’t have the chance to hear from a DAV benefits advocate and tried to navigate the process on his own.
His journey—which also included time in the Army National Guard—and its challenges eventually led him to become a state employee working in the veterans benefits arena. Over a decade, he frequently heard stories similar to his about veterans not knowing where to turn to get help.
Jason assisted those he could but had the idea that someone should use YouTube to share veterans benefits information to a broader audience.
He said he just didn’t want to be the one to do it.
No one else was doing it either, so he bought a vlogging kit five years ago. He was hesitant to begin, though, so it
sat in the corner of his office for two and a half years.
“Then I finally did a video,” said Jason. “Once I started, I knew that I couldn’t stop because I didn’t want to fail. So as soon as I did the first one, I knew I was going to have to have a follow-up and then a follow-up and a follow-up, and it just slowly started to grow to get the word out nationally.”
Since Jason published his first video two years ago, his reach has grown steadily; he has more than 115,000 subscribers to his Veterans InfoTap channel on YouTube, and many of his videos get tens of thousands of views or more.
He’s no longer alone. Platforms such as YouTube, Spotify and Twitch have ushered in an era when anyone can create content and make it instantly accessible to a global audience with as little as the technology found on a smartphone.
The low barrier to publishing has created an unfathomably crowded online space of entertainment and information sharing. Analysis done by Goldman Sachs Research estimates the online creator space is a $250 billion industry that could nearly double in the next five years.
Despite the glut of content, some creators—sometimes called influencers—are finding ways to rise above the noise to make their voices heard in niche corners of these platforms to inform and help veterans. Parade Deck, an online network of military and veteran podcasters and content creators, is one of those ways.
“Your stuff is buried in billions of other pieces of content,” said Riccoh Player, a retired Marine colonel and Parade Deck’s CEO. “We just provide the platform to amplify what you’re saying.”
Player said helping people discover these niche creators, without having to sift through unwanted noise, facilitates
important conversations within these online communities. These conversations can be an important part of the next generation of veterans getting engaged, invested and involved in the work DAV does.
“I think you all lead on policy, and then … we have the discussion,” Player said. “The more the discussion, the clearer the policies [and] the issues become. … We want to get someone to the conversation.”
For Jason, the conversations he’s facilitated have garnered a large enough following that he’s now a content creator full time. He posts daily—sometimes several times a day—to his YouTube channel. He’s able to generate some income by offering optional membership tiers to the page.
Similar to Player’s goal for Parade Deck, Jason said he wants to look out for other veterans by providing a baseline understanding of what programs and benefits are available. He doesn’t offer or recommend paid coaching services or claim-filing assistance. Instead, he encourages veterans to go to organizations like DAV for help, which is one reason he is a member.
“What we consistently do is refer veterans to an accredited representative,” he said, noting that in addition to the services being free, accredited representatives’ training and experience ensure people are hearing the right information applicable to their individual circumstances.
DAV, which has long been on YouTube and social media, is expanding its own online presence. One way is through outreach initiatives, such as working with gaming influencers. These creators, who go by names like @HusKerrs and @BaddieStreams, are connected to the
military either as veterans themselves or family members of those who served. They use the trust they’ve gained with their audiences to get DAV’s name, mission and services in front of hundreds of thousands of people.
DAV also recently launched a Twitch channel. Twitch is an online platform popular with video gamers who can livestream themselves playing while chatting with their audience. DAV representatives are using this as a way to open up dialogue about DAV’s free programs and services.
“The fact is that these conversations are happening online all the time, whether or not DAV is a part of them,” said Rob Lewis, DAV director of communications. “By joining in, we are tapping into an engaged, informed veteran audience who can better help DAV understand and respond to the issues they are most concerned about. We can also make more veterans aware of how we can help them.”
Jason said he hopes his content doesn’t just add to the conversation but is also a way to get people from the online community involved in the physical community that comes with membership in organizations like DAV. That’s where, he said, veterans can help take care of veterans at the local level.
“It really is a collective. I call it the veterans sphere,” Jason said. “My little sign-off message is ‘If we don’t take care of each other, something went wrong.’” n
Be a part of a Hero’s Journey! We provide therapeutic support to veterans and their families through outdoor adventures in the rugged beauty of Alaska.
About Alaska Adventure Project:
Founded in 2017 by U.S. Marine Combat Veteran and Native Alaskan William Boulton. Alaska Adventure Project (AAP) is a 501c3 non-profit dedicated to supporting military veterans and their families.
Our Adventure program entails:
• Therapeutic support for veterans and their families suffering with PTSD and TBI.
• Veterans helping veterans through shared experiences.
• Outdoor activities provide atmosphere’s of reflection, discovery, meaning of service, camaraderie,
• New network of resources, a new extended family, connecting veterans with veterans, establish lifelong bonds, and promote healing.
Post Traumatic Stress Disorder does not always allow the affected to seek help. Lend a hand and provide them with methods of help, listen and be a friend.
Homeland Magazine works with nonprofit veteran organizations that help more than one million veterans in life-changing ways each year.
At Homeland Magazine you can visit our website for all current and past articles relating to PTSD, symptoms, resources and real stories of inspiration.
Resources & Articles available at:
E S O U R C E S homelandmagazine.com/category/fighting-ptsd
By Cynthia N. Weiss, Wounded Warrior Project
Like many others, Jacob Norotsky’s journey into the military stemmed from a desire to serve and protect. But it was losing his father and fellow post-9/11 veterans to suicide that led to his current mission. Through an initiative he calls “Challenge 3 Up, 3 Down,” Jake connects his brothers and sisters-in-arms to form a support network that ensures they always have someone to turn to in hopes of preventing suicide.
Jake grew up admiring his father, a Baptist minister and Air Force veteran. His father was his hero. Tragically, when Jake was 14, his father died by suicide. This event profoundly impacted Jake, shaping his future and desire to help others.
“I realized I needed to pick up the mantle he put down.”
An avid musician, Jake joined the Pennsylvania Army National Guard, thinking he would be part of the military band. Four weeks into basic training, the attacks
on Sept. 11 occurred. Jake moved to active duty soon after and deployed first to Germany and then Iraq, where he experienced the harsh realities of war.
“My first night, I’m walking by a hangar, and I trip. I look down and see a red shoe with only a foot sticking out the top. ‘Welcome to war,’ I think. To this day, it’s as vivid a memory as my son’s graduation.”
In Iraq, Jake was part of a helicopter crew, flying several hundred missions and witnessing the chaos of combat.
One of his jobs was transporting those who were wounded or who died in combat. “I wasn’t a trained medic, but you just do what needs to be done,” Jake said, relaying a story about a flight to retrieve a soldier’s leg. “Everything comes home.”
The experiences left a lasting mark on him, both mentally and emotionally. “You’re seeing the worst of the worst, and you don’t know it at the time, but you’re being influenced by things that begin to imprint on the mind.”
When he finally came home, Jake said the adjustment to civilian life was difficult.
“I started to struggle because that stuff came with me. Your brain is wired for what you’ve seen, so my adrenaline was always on. Every trash can was a potential threat. I was looking for a gunner, for the enemy … because that is what I was used to looking for,” he explained.
Jake tried to fill the void with jobs requiring hyperawareness, becoming a flight instructor, a high school aviation studies teacher, and a football coach. However, he couldn’t escape the memories of war.
“I started thinking the world would be a better place without me.”
The Department of Veteran Affairs (VA) estimates we lose 17 veterans each day to suicide in the U.S. In its most recent Warrior Survey*, Wounded Warrior Project® (WWP) found that of the post-9/11 warriors surveyed, half said they had suicidal thoughts at some point in the past, with more than 1 in 4 warriors saying they thought about suicide within the last year.
Two weeks before the anniversary of his dad’s death, while at a funeral for a fellow soldier who had died by suicide, Jake realized he had to act.
“I was watching them put another brother in the ground, thinking I knew from experience what they were feeling. And at that moment, something came to me, a higher power, my God … telling me I was next.”
After the services, Jake drove through the night from St. Louis back home to Alabama. “I realized it was time for me to fight for myself,” he said. “I went straight to the VA. And I remember walking in and saying, ‘I need to talk to someone right now, and I’m not leaving here until I do.’”
Jake became involved with WWP™ in 2017, attending several events, including Project Odyssey®, an adventure-based learning program for warriors trying to manage post-traumatic stress disorder (PTSD), anxiety, and depression. However, like many other veterans, Jake said he had much to overcome.
“I was still stuck, facing challenges. But Wounded Warrior Project was always there, checking on me, encouraging me.”
Jake began regular counseling to address his PTSD and strengthened his connections with his church and community. He also maintained ties to WWP, occasionally participating in alumni events. Little did he realize how his connection to the organization would open the door to a new career – and a new mission.
In 2022, Jake joined the Warriors Speak team, a group of veterans and caregivers who travel the country sharing WWP’s mission to honor and empower wounded warriors.
Jake, who always talked about the impact veteran suicide has had on his life, kept contemplating how he could change things.
“Statistically, an entire battalion of soldiers was dying every month. I kept thinking and asking myself how we could fix this to prevent more lives from being lost.”
One day, in 2023, he found an answer. “We’ve got to stay connected and do life together.”
The concept is simple yet powerful – to prevent suicide by helping veterans stay connected so no one feels isolated or alone.
“Each person identifies three people they will commit to check on at least every 48 hours, while three others commit to checking in on them, building authentic relationships, and a solid support structure they all can rely on,” explained Jake.
The idea, he said, came to him after realizing that there were warriors he spoke to daily, whether by phone or text.
“We’re connected, and we look out for each other. I know that if anything happens with me and I start to pull away, they will see it and be there to help me. On the flip side, it’s super important to me to be looking out for others.”
Realizing that today’s technology makes staying in contact easy, Jake began sharing about Challenge 3 Up, 3 Down at the end of his Wounded Warrior Project speaking engagements. He now encourages others to join him in forming their own connections.
Leaving a Legacy
Jake’s initiative is not just about preventing suicide. “It’s about helping veterans understand that you are never truly alone, even in the darkest times. Your brothers and sisters are there right beside you.”
By raising awareness for suicide prevention and helping others find their connections, Jake aims to leave a legacy that will leave a lasting impact on other veterans and their families.
“Life is a journey that leads you to your legacy. My goal is to still serve and help people. I don’t have a million dollars, but I do have a cell phone. It’s easy for me to call or text and check in on others,” he said.
“By being present and involved in each other’s lives, we can hopefully recognize when someone is struggling and offer support before it’s too late.”
*Warrior Survey, Wave 2 (conducted June 15-Aug. 24, 2022)
If you, or someone you know, needs support, you can call, text, or chat with the National Suicide Prevention Lifeline.
Call 988 or contact the Crisis Text Line by texting “TALK” to 741741
To learn more, visit woundedwarriorproject.org or call 888.ALUM (997.2586) to connect with the WWP Resource Center.
By: Robert ‘Bob’ Cuyler, PhD Psychologist and Trauma Expert
A focus of most of my earlier columns has been on the pluses and minuses of available treatment options for PTSD. I can condense years of research and clinical experience from my field, but a brief column can’t do justice to the complexity of PTSD or how the condition affects the brain, body, and behavior. We have a wide variety of treatments, some old, some new, some with abundant evidence, some with newer but encouraging evidence, and some that could turn out to be smoke and mirrors. To help sort this out better, I can point you toward a book I’ve recently been rereading, The Body Keeps the Score by Bessel van der Kolk, MD, which came out about 10 years ago.
I can enthusiastically recommend the book for individuals with PTSD and those close to them, to help understand PTSD, the history of the condition and how that’s evolved, and a review of available treatments. I have a few differences with the author, but in total, it’s the best book I’ve come across for interested non-clinical readers. Don’t feel you have to absorb all the intricacies of brain science, there won’t be a quiz. I valued the author’s journey as a psychiatrist and his history of how the mental health profession has evolved (and sometimes failed to evolve) in the understanding of PTSD. His case examples give the human touch, the lived experiences, that our dry scientific literature usually bypasses.
Dr. van der Kolk helpfully details how the impact of traumatic memories, flashbacks, and nightmares disrupt the person’s ability to process information and use language. In essence, those intrusive memories ‘hijack’ the brain: those memories emerge as fragments that are experienced as though they are happening right now, not months, years, or decades ago. Often, the experiences cannot be verbalized as a coherent story.
As the author brings in brain science, the takeaway is that the rational brain is largely de-activated during symptom surges so that many vital functions are not available: the ability to distinguish past from present, the ability to distinguish safety from danger, a friend
from foe, the ability to delay reactions, the ability to consider alternatives.
Here the author brings in the distinction between ‘top-down’ and ‘bottom-up’ treatment approaches. The traditional talk therapies are examples of the ‘topdown’ therapies, which rely on words, and memories, putting things in perspective, and distinguishing the rational from the irrational. Makes perfect sense, but only for those who can operate in this zone. For many with PTSD, the emotional brain dominates, and offers numbing, hyper-vigilance, and avoidance as the best coping options. The evidence-based talk therapies for PTSD, particularly prolonged exposure and cognitive processing therapy, are very effective for those who can engage in and tolerate the gradual ‘detoxification’ of trauma memories and reminders.
For those who aren’t comfortable with discussion of trauma in talk therapy, van der Kolk focuses on how the body holds the tensions and reactions to trauma exposure, and how treatments that focus on the body first (the ‘bottom-up’ approaches) can help quiet the somatic storm that disrupts life for PTSD sufferers. My company’s Freespira treatment is an example of the bottom-up approach by training users to normalize breathing through tech-guided feedback. Our approach, as is Dr. van der Kolk’s, is to expand choices for those with PTSD and to meet patients where they are today with options that are safe and tolerable. Next time, more to come about top-down vs bottom-up therapies.
Dr. Cuyler is chief clinical officer of Freespira, an FDA-cleared nonmedication treatment that helps people with panic and PTSD manage their symptoms by learning how to regulate their breathing.
www.freespira.com
www.freespira.com/veterans
By Hope Phifer, Cohen Veterans Network
The Steven A. Cohen Military Family Clinics at VVSD www.vvsd.net/cohenclinics
The need for high-quality, accessible mental health care is a critical issue affecting veterans, service members, and their families today. They often face unique challenges that can make accessing necessary support difficult. This year, we are excited to celebrate the 5th anniversary of the Steven A. Cohen Military Family Clinic at VVSD, San Diego, which has been filling the gap in care having served more than 2,000 clients since its opening in 2019. Through its comprehensive and accessible mental health services, the clinic has made a significant impact in the lives of those in San Diego and neighboring communities who have served our country.
The Cohen Clinic at VVSD, San Diego is part of Cohen Veterans Network, a not-for-profit philanthropic organization that serves post-9/11 veterans, service members and their families through a nationwide system of mental health clinics. A dditional clinics in California are in Oceanside, close to Camp Pendleton, and Torrance, serving the L.A. community. Our military mental health experts across the country are available to provide insights on national and local stories related to veterans, active duty service members and military families.
Despite the stigma surrounding mental health in the military community, we are happy to see that there has been a positive shift towards addressing these issues these issues openly and seeking professional support.
The Cohen Clinic at VVSD, San Diego has played a crucial role in breaking down barriers and providing a safe space for individuals to seek care without fear or judgment. Not only has the clinic provided quality mental health care, Not only has the clinic provided quality mental health care, but it has also prioritized accessibility by offering services to veterans regardless of discharge status, insurance coverage, or ability to pay.
The clinic's commitment to accessible care has allowed more individuals and families to receive the help they need without financial burden.
The impact of the Cohen Clinic at VVSD on the San Diego community is profound. Since its inception, the clinic has served nearly 1,300 veterans, close to 800 military family members, and more than 200 active-duty service These numbers translate into countless individual success stories and improved mental health outcomes, underscoring the clinic's vital role in the community.
One client described their experience receiving services from a Clinician at a Cohen Clinic: “Very engaging, facing my problems with care but unafraid to point them out members. my problems with care but unafraid to point them out. I wouldn’t change anything.” This sentiment is echoed by many others who have found a sense of belonging and understanding at the clinic. By providing accessible and effective mental health care,the Cohen Clinic has not only improved the lives of its clients but also contributed to the overall well-being of the San Diego community.
The clinic's success is a testament to the power of partnerships in delivering essential services. It has
been a pleasure to partner with organizations like USO – San Diego, Blue Star Families, Grand Canyon University and a host of others. Collaborations with local organizations have been instrumental in sustaining and expanding the clinic's offerings. We are grateful for these partnerships, which have provided a model for future initiatives aimed at addressing the mental health needs of military families nationwide.
As we celebrate five years of the Cohen Clinic at VVSD, it is clear that the commitment to accessible mental health care for veterans, active duty service members and military families must continue to grow. We invite
veterans, military families, community stakeholders, and active-duty service members to join us in advocating for these essential services. Together, we can ensure that every veteran and military family has access to the high-quality mental health care they deserve. The work is far from over, but with continued dedication and innovation, we move closer to a future where no one is left without support.
For more information on how you can support or engage with the Cohen Clinic at VVSD, San Diego, please visit vvsd.net/cohenclinicsandiego or contact us directly. Let's work together to make a difference in the lives of those who have given so much to us.
Therapy for
and their Families Cohen Clinics provide therapy to post-9/11 veterans, service members, and their families, including National Guard / Reserves.
By Kie Copenhaver CSA, RHIA, SHSS, RCFE www.agingwellpartners.com
It’s that time of year again – Open Enrollment Period for Medicare is October 15 through December 7. Thisis the time of year those eligible for Medicare have the ability to change their Medicare coverage. Why would you want or need to change your coverage, you may be asking. Well, here are some reasons.
1. Your healthcare needs have changed.
As we age, our healthcare needs typically change. You weren’t having issues with your eyes last year, but this year has been full of appointments for eye injections and numerous follow-up appointments. Last year your knees were fine but this year, the left knee is really causing
you pain, and you are finding it increasingly difficult to enjoy the outdoor activities you so love. Healthcare needs can change in a moment or over the course of a year. If your healthcare needs have changed dramatically from last year, you may want to consider sitting down with your Medicare agent to discuss some new and different Medicare plan options.
2. Your plan benefits no longer meet your needs
This can happen for many different reasons. Your doctor may no longer be covered under your current plan, and you wish to stay with them, which means changing your Medicare plan. Some plans will discontinue certain benefits while other plans may increase the number of benefits it offers. To know which Medicare carriers and plans are changing, you can either do the comparison shopping yourself using the Medicare website or make an appointment with a local Medicare agent who can compare the various plans available to you.
3. Your plan no longer meets your budgetary Constraints
Plan coverage and costs can change from year to year. A plan that was once affordable may no longer be as financially feasible. Your prescription costs may have shot up significantly since the last Open Enrollment and you want to shop the plans for a more affordable one that includes the new medications you are taking. This is a great time to compare all your Medicare coverage options.
Don’t be fooled by all the advertisements on television, phone calls from telemarketers, and mailings you get during this Open Enrollment Period.
Plans vary by state and by zip code. What’s offered in Tennessee may not be available in Texas and what’s offered on the television may not be offered in your city or state. Often, television ads will spotlight the best of a Medicare plan but upon closer inspection, the small print reads “this plan only available in Vermont”.
Get the facts by contacting a local Medicare agent who can help you navigate all the choices you have during Medicare Open Enrollment Period this year. You’ll be glad you did.
and therapy as treatments for
To Qualify, You Must...
• Be a veteran of the U.S. armed forces or first responder
• Have symptoms of Posttraumatic Stress for at least 3 months
• Be available for both in-person and additional online sessions
Interventions
• You may receive intervention for your PTS symptoms in the form of either Transcendental Meditation (TM) or Present Centered Therapy (PCT).
• Neither intervention involves medication or discussing traumatic experiences.
Compensation
• Qualifying participants will be financially compensated over $800.
Find a Research Study Location Near You
- ONWARD OPS: Military Transition Support
- Cybersecurity Awareness Month
- Cybersecurity and Service
- How Veterans can thrive in Cybersecurity Careers
- Veterans Face Higher Risks of Identity Theft
- Cyber Scares (Risk Management)
- Bulletproof your Business from Cyber Attacks
- Artificial Intelligence (Workplace)
- What’s Next: Rewiring for Success
- A Difficult Boss at a Job you Love
- Franchise Dreams: Misconceptions
- Re-Evaluate your Financial Strategy
- Cybersecurity - Job Readiness
- Careers in Law Enforcement
For editorial & monthly columns regarding transition, career advice, tips, workshops, transition to education, entrepreneurship, straight-forward legal tips for military and veteran business owners and more, visit Veterans In Transition.
www.homelandmagazine.com/category/veterans-in-transition
Since 2004, the President of the United States and Congress have declared the month of October to be Cybersecurity Awareness Month, a dedicated month for the public and private sectors to work together to raise awareness about the importance of cybersecurity.
Over the years it has grown into a collaborative effort between government and industry to enhance cybersecurity awareness, encourage actions by the public to reduce online risk and generate discussion on cyber threats on a national and global scale. October 2024 marks the 21st Cybersecurity Awareness Month.
Let’s work together to build a safer digital world. We can increase our online safety through the following articles and whether at home, work or school, these tips make us more secure when connected. Take time to discuss them with family, friends, employees and your community so we can all become safer online!
By Carly Donner
Getting into cybersecurity has been a rewarding but challenging journey for me, especially while balancing a full-time career in the military. My role involves overseeing various support functions—everything from admin to legal, facilities, and IT—across six states and 265,000 square miles. Yet, despite the heavy responsibility, I found myself drawn back to the technical side of my primary Military Occupational Specialty (MOS) in Communications, which I hadn’t been able to practice much in my current billet. That’s why I decided to pursue a master’s degree with a focus on cybersecurity.
For anyone looking to enter the field of cybersecurity, credentials are key. My program at Western Governors University (WGU) embedded industry-recognized certifications into the curriculum, which was invaluable. For instance, earning the EC-Council Certified Ethical Hacker certificate was part of my program, and it not
only gave me new skills but also renewed my existing CompTIA certifications. These kinds of credentials are essential for staying competitive in the job market, whether you’re aiming for a role in the military or the civilian sector. I’d recommend students pursuing cybersecurity prioritize certifications like CompTIA Security+, Certified Information Systems Security Professional (CISSP), and Certified Ethical Hacker (CEH). These are recognized across the industry and give you a solid foundation on which to build your career.
Balancing work and school can be challenging, especially with a demanding job like mine. That’s why I went with a competency-based program that allowed me to work toward my degree at my own pace. With constant travel and unpredictable hours, fitting in homework often meant late nights in hotel rooms or long weekends spent studying. Since I didn’t have to attend scheduled lectures or group projects, I could carve out time to study based on my other commitments.
Since completing my degree, a lot of doors have opened. The certificates I earned during the program keep me competitive in my current MOS and will be a huge asset when I return to the fleet. I’ll be able to step back into collateral billets like Information System Security Officer or System Admin, making me more valuable to my unit. Beyond the military, this degree has set me up for a smooth transition into civilian cybersecurity roles whenever I decide to leave the service.
The need for cybersecurity professionals is growing, and having both practical experience and academic credentials makes me feel confident about my future.
“For military members and veterans considering continuing education, I’ll say this: it is hard, but it is also easier than you think even with the demands of service life. Plus, the payoff is so worth it. Not only will you gain knowledge and skills that make you more effective in your current role, but you’ll also be preparing yourself for life after the military. Take advantage of educational benefits like Tuition Assistance and the GI Bill and keep pushing yourself—you’ll be amazed at what you can achieve.”
- Carly Donner
By Lisa Easterly, President and CEO of Cyber Center of Excellence (CCOE)
Cybersecurity is now everyone’s business! The FBI reports more than 150% increase in cybercrime complaints across all industries in the last 5 years, totaling $37 billion in losses. And, the global cost of a data breach has climbed over $4.88 million according to IBM. More than half of these costly attacks are aimed at small and medium-sized businesses – our region’s economic engine.
Now, pair that with the global shortage of cyber professionals to thwart these attacks—to the tune of 470,000 openings in the U.S. and 5,700 here in San Diego according to Cyberseek—and it becomes mission critical to address this universal risk. Veterans, with their exceptional problem solving skills and discipline, are perfectly positioned to excel in cybersecurity. And San Diego is home to many resources and programs that can help them transition into this critical field.
San Diego is buzzing with activity in the cybersecurity sector, boasting over 1,000 cyber firms and hosting the Navy’s Information Warfare Systems Command. This robust cluster supports more than 26,000 jobs and drives a staggering $4 billion in annual economic impact! Our dynamic ecosystem is at the forefront of developing cutting-edge technology, robust defenses and skilled cyber warriors to tackle the ever-shifting threat landscape.
Now celebrating 10 years of service to the San Diego community, Cyber Center of Excellence (CCOE) is a nonprofit that mobilizes businesses, academia and government to grow the regional cyber economy and create a more secure digital community for all.
Our programs earned CCOE a spotlight in the White House’s 2023 National Cyber Workforce & Education Strategy as an Ecosystem in Action.
CCOE helps seed and diversify the cyber talent pipeline to support the public and private sector, critical infrastructure and academia. We offer free career and cyber training resources to veterans and their families, including:
• Cyber Career Map: Chart your personal path to a cyber career with our interactive map loaded with education, training, certifications, jobs and career pathways.
• Education & Training: Learn about the academic programs in our region that offer degrees, hands-on training and certificate programs.
• Workforce Development Resources: Check out innovative resources like Haiku Games That Train, San Diego Cyber Lab, My eCISO and San Diego Cyber Clinic that offer free training and tools.
• Partnerships & Other Initiatives: Join the community and support inclusivity through our collaborations with orgs like Able-Disabled Advocacy, NDIA, REBOOT, US Valor, Raices Cyber, JIT For Foster Youth, NFAR and WiCyS.
Visit CCOE’s Career Center for free resources and more: https://sdccoe.org/career-center
We also invite you to join us for CCOE10 on November 19 at Qualcomm as we take a look back at the evolution of the industry over the past decade and mobilize around the new threats, technologies and workforce needs of our future.
Register here: www.eventbrite.com/e/ccoe10-tickets-999607732637
www.sandiego.gov/cyber-lab
CCOE, CSUSM, National University and SDSU are launching the San Diego Cyber Clinic with support from Google’s Cybersecurity Clinics Fund and the Consortium of Cybersecurity Clinics. The Clinic trains students to provide free digital security services to under -resourced organizations, similar to how law or medical schools offer free community clinics.
Interested in working with students and instructors to help address your cybersecurity challenges?
Learn more at www.sdccoe.org/cyber - clinic
By Scott Hermann, CEO of IdentityIQ®
With October as Cybersecurity Awareness Month, now is an important time to focus on how you are protecting your personal information. This is especially true for military members, veterans, and their families. That’s because, unfortunately, military members, whether active duty or retired, are at higher risk for identity theft. Scammers take advantage of their dedication and service to exploit their personal and financial information.
Recent data underscores the growing challenge military families face when it comes to scams and fraud:
• According to the Federal Trade Commission’s Annual Data Book, last year more than 93,000 fraud cases were reported by service members, veterans, and their families. Among these, 42,766 were imposter scams, costing victims more than $178 million.
• Also, according to the FTC, retired military members reported $350 million in losses from fraud last year, up nearly 20% from the previous year.
• Active-duty service members are 76% more likely than civilians to report the misuse of existing accounts, such as their bank or credit card accounts.
• In total, the military community lost $477 million to scams last year, according to AARP.
Military status, whether active duty or retired, can make you a target for identity theft and other fraud. Here are some key reasons why:
• Steady income and/or government benefits attract criminals looking to steal personal information and money.
• Scammers may want to impersonate military members or government agencies using fake military ID cards.
• Active-duty military members have frequent relocations – making it harder to spot early warning signs of identity theft.
• Data breaches at government agencies have led to the sale of servicemembers' personal information on the dark web.
• Military members often need to share personal information, such as the highly sensitive DD214 form, to verify service. In the past, Social Security numbers were also used as a way to identify service members and veterans.
• Deployments can leave military members without immediate access or the ability to monitor their bank accounts or credit card statements.
When it comes to protecting personal and financial information, it’s important to stay ahead of identity thieves and take action. Here are steps military members and veterans can take to help protect their families and themselves:
• Use strong, unique passwords for each account. Consider using a password manager for added security.
• Enable multifactor authentication when available.
• Set up an active-duty alert with credit bureaus when deployed. This requires lenders to verify your identity before opening new accounts.
• Use an identity theft protection service that provides access to your credit reports and scores as well as realtime alerts for possible fraud.
• Regularly review credit reports and dispute any inaccuracies with the major credit bureaus.
• Monitor bank and credit card accounts monthly to identify possible suspicious activity.
• Report lost or stolen military or veteran ID cards immediately.
• Use antivirus software and virtual private networks (VPNs) to protect your devices and online activity.
• Be cautious about where and when you share personal information.
When your information has been compromised, there are a few warning signs that should prompt immediate action. Those include:
• Unfamiliar transactions on credit cards or withdrawals from your bank accounts.
• Inaccurate information on your credit report.
• Bills or other communications from companies you haven’t done business with.
• Statements or other notices about credit cards or accounts you didn’t open.
• Debt collection calls for unknown debts.
• Denied credit applications, especially if your credit was previously good.
• Missing mail or emails from companies you do business with.
• Inaccuracies on your IRS account or Social Security statement.
If you suspect identity theft, here are steps you can follow to report the fraud:
1. File a report with your local law enforcement agency.
2. Contact your state’s attorney general for legal assistance.
3. Report identity theft to the FTC at IdentityTheft.gov or by calling 877-382-4357.
4. Freeze your credit with the three major credit bureaus – Equifax®, Experian®, and TransUnion®.
5. Reach out to your installation’s Personal Financial Manager (PFM) and Legal Assistance Office for financial and legal advice.
Military members and veterans are at greater risk for identity theft and fraud. However, there are steps you can take to help protect your personal information and reduce the risk of financial loss. This includes having identity theft protection services that monitor for threats to your identity and finances.
Military members, veterans, and their families can begin protecting themselves now with IdentityIQ identity theft protection services. These services include identity and credit monitoring, real-time fraud alerts, device privacy and security, and $1 million in identity theft insurance, underwritten by AIG.
In appreciation of your service, IdentityIQ offers a 25% military discount to military members, veterans, and their families. For more information, visit www.identityiq.com/veterans.
The mission of Zero8Hundred is to proactively link military service members, recent veterans, Reservists, National Guard and spouses (including Gold Star spouses) to the broad range of resources and opportunities in their local community dedicated to helping them transition to civilian life
Zero8Hundred derives its name from the daily military ritual of raising the American flag at 0800 hours (8:00 a.m.) to signal that a new day of work has begun.
Zero8Hundred uses a Veterans Wellness Model to create & ensure a better system to ease the transition into the civilian community before, during and after leaving the armed forces
Through a unique partnership with community partners and the military, Zero8Hundred provides a one-stop approach to support transitioning service-members, veterans and their families.
By Hadley Wood www.hlinwood-insurance.com
If you have ever turned on your computer to find the ‘blue screen of death’ staring back at you, you know how scary that moment can be! All of us, and especially business owners, rely so heavily on our computers for our daily lives it is nearly impossible to think about living and working without them. Computers have become our lifeline to our connections, finances, research, clients, supply chains and more and when they are compromised, we are left in the dark.
Cyberattacks have increased ten-fold in the last 7 years and it is a lucrative, big business all over the world. There are all types of attacks, but bottom-line cyber criminals are looking to access data to leverage for money. The primary types of attack include – Malware (includes Ransomware and Adware), Phishing, Spoofing, Denial of Service, Social Engineering, Insider, and now AI Threats. It seems like a game of Wack-A-Mole and staying on top of the threats can be a daily chore and pose an existential risk to most businesses. So, what can we do to minimize the risk of cyberattacks?
Here are 10 considerations to add to your risk management for cyber control:
Michael Kidd
• Cyber Liability coverage –This should be a piece of your insurance package and may be included in your General Liability or as a stand-alone policy.
• IT Professional – Every business should retain an IT person to call on a minutes notice to fix and remedy any computer issues.
• Stay in the ‘Know’ – Make a point to read up on the latest ‘Bad-Actors’ in the Cyber world and know what the latest threats are. There are many media outlets that focus on this specifically.
• Stay in the ‘Know’ – Make a point to read up on the latest ‘Bad-Actors’ in the Cyber world and know what the latest threats are. There are many media outlets that focus on this specifically.
• Train Employees to recognize threats – the cyber criminals are very savvy and will use all types of email and phone Phishing to lure in targets. Employees need to be trained to be aware and not give out sensitive information to unknown trolls.
• Password Changes – Changing passwords can be a real pain, but it needs to be done frequently! Consider using a password manager such as KEEPER or RoboForm to assist in password management.
• Anti-Virus Software – Every computer needs to have this installed but make sure you have the correct and updated versions. Connect with your IT person to recommend the best software for you and update as needed.
• Off-Board Employees properly – Terminated employees might be out for revenge. Access to company data, passcodes, equipment and sensitive information should be halted immediately when an employee is terminated.
• Back Up Data daily/weekly – Daily back up to a remote hard drive or USB should be part of your process. A cloud service like Carbonite can be helpful also.
• Create a Passcode for Friends and Family – Some really terrible cyber criminals use family and friends to get to your data by posing as loved ones in need.
Create a secret passcode to use to identify whether the threat is real.
• Go to the Source Directly – if you receive an email, phone call or letter with some type of threat from the IRS, Bank, a Vendor, Client, etc. It could easily be a Spoofing attack. Connect separately and directly with the source to verify.
It takes a lot of effort and diligence to be cyber secure and even with all of this, there is always a threatbut with the right measures in place, the risk can be substantially reduced.
If you have any Business Insurance questions, please reach out to me. www.hlinwood-insurance.com
By Kelly Bagla, Esq.
In 2018 Verizon’s Data Breach investigation uncovered that 58% of cyber attack victims were small businesses. Although cyber attacks have been contained to 43% in 2024, cyber hackers are becoming more sophisticated and finding new and clever ways to attack. Modern day hackers target small businesses more than big ones because most of these small businesses have minimal or basic security, making it easier to steal their sensitive information.
A cyber attack can have a colossal impact on your business and may even lead to its demise. Small businesses need to arm themselves with the following tips on how to bulletproof their business from dangerous and modern cyber attacks.
Cyber security insurance, also known as “cyber risk insurance” or “cyber liability insurance” protects businesses against losses that are computer or technology related. This could be due to a phishing or
ransomware attack, or because a laptop containing sensitive information was lost or stolen. If your small business maintains a website, accepts credit card payments, or collects or stores customer data including names, emails addresses, home and mailing addresses, phone numbers, and social security numbers and more, your business is vulnerable to a cyber incident.
There must be a clear, comprehensive contract with clients that outlines the scope of services, limitations, and disclaimers. This contract should include provisions that clearly define the responsibilities of both parties and specify that the company cannot guarantee absolute protection against cyber attacks.
Information Technology companies can monitor networks, devices, applications, and data to identify potential threats and vulnerabilities. They can use tools such as firewalls,
Cyber hackers are becoming more sophisticated and finding new and clever ways to attack. Small businesses need to arm themselves and bulletproof their business from dangerous and modern cyber attacks.
access controls, and network monitoring software to detect unusual activity or security breaches.
Your wi-fi network is the easiest channel to infiltrate and gain access to all your business information. Safest way to keep your network secure is by protecting it with a very strong password that includes as many different character combinations as possible, and if you can limit the number of employees with direct access to your password.
Two steps authentication procedures offer added layers of protection to an online system because users are required to verify their identity twice. The first step asks users for their sign-in details, and the second step requires user identity confirmation through specific personal information.
Common security questions like the name of your first pet, however, can still be easily deciphered by hackers, so a two step authentication procedure makes use of other forms of confirmation, like fingerprints, email code, and SMS codes. Two step authentication is highly effective in protecting your online information from hackers.
According to the Annual Cyber Security Report, an average of 14.5 billion spam messages are sent in a day, and 73% of these are phishing emails. Phishing emails normally target unsuspecting employees to gain access to your sensitive information. Your online reputation could depend on how equipped your employees are at dealing with threats and cyber attacks since they have access to your sensitive business information. It’s crucial for them to catch security incidents and immediately report them.
If you have questions on how to protect your small business, schedule your consultation with the Queen of Business Law® Kelly Bagla, Esq. today and secure your peace of mind.
For more information on how to legally start, grow, and exit your business please visit my website at www.BaglaLaw.com
Disclaimer: This information is made available by Bagla Law Firm, APC for educational purposes only as well as to give you general information and a general understanding of the law, and not to provide specific legal advice. This information should not be used as a substitute for competent legal advice from a licensed professional attorney in your state.
Kelly Bagla, Esq., and her team at Bagla Law Firm, APC, a Business Formation and Asset Protection firm, have over twenty years of experience protecting real estate for rental owners. They customize your asset protection plan to ensure that your rentals are protected in case of a lawsuit.
By Paul Falcone
I don’t know about you, but artificial intelligence, or “AI,” seems to be all over us these days. The news channels can’t report on it enough, it seems to have struck fear in so many people’s hearts, and the headlines are eye-popping:
• By 2030, 45 million Americans could lose their jobs to AI automation, representing about one-quarter of the workforce.
• By 2030, artificial intelligence could displace roughly 15% of the global workforce, or 400 million people worldwide.
• If the trend of improving tech continues along the predicted path, many experts believe that by 2060, AI capabilities will surpass human cognitive power.
Wow, that’s absolutely shocking, isn’t it? It should be—this is real and it’s simply our next step as a global society. But let’s break down the panic so we can calm things down a bit with a more strategic perspective.
First, understand that this “AI panic” really only got traction since November 2022 when ChatGPT was introduced onto the world scene. Sure, the “predictive” capabilities of this chatbot are impressive—it is able to create content in a logically coherent manner by scraping data off the Internet. I get it. But before this announcement in November, this wasn’t much of a topic on anyone’s radar screen. All of a sudden, this technology could cause the end of the world as we know it. I’m being facetious, but you get my point: the schizophrenic whiplash from the news media has us panicking yet again in what could be called our new “poly crisis” world.
Second, understand that we’re now entering what’s known as the Fourth Industrial Revolution (IR4). IR1 occurred in the late 18th century when steam, coal, and mechanical equipment took center stage in transforming global economies from agriculture to industry. We were able to mechanize production for the first time. IR2 found its footing a century later in the late 19th century, when electricity, the division of labor, and mass production took hold. IR3 is estimated to have begun in 1969 with automated production from semiconductors, mainframe computers, microprocessors, and the advent of the World Wide Web. Now, IR4—a term coined in 2016—is characterized as a fusion of technologies that blur the lines between the physical, digital, and biological spheres. We’re at a point where the acceleration of innovation and the velocity of disruption are difficult to comprehend and anticipate. Still, this historical perspective is important to understand so that we can keep all this incredible technological change within a reasonable and understandable context.
You don’t have to be a quantum physicist to excel in the future. But it is important that you stay relevant with the new technology and terminology coming our way. Here’s just a partial list of new terms so you can say you heard it here first: generative and adaptive AI, the Metaverse, quantum computing, machine learning, robotic process automation, the Internet of Things (IoT), blockchain, 3-D printing, and virtual (VR) and augmented (AR) reality.
Do you need to be able to discuss each of these areas in detail with a prospective employer during an interview? Probably not. But should you be able to answer a standard interview question or discuss this with your boss beyond the “I don’t follow that stuff” kind of response? Yes, you should. A typical response might sound like this: “I know it all sounds and feels pretty overwhelming, especially since AI technology can be harnessed for good or used by bad actors on the world stage. I’m sure there will be a combination of both, and we’ll have to see where the government sector steps in to regulate what’s being distributed content-wise for us to read and see. But while the statistics may sound earth shattering, I believe this has been well underway for a long time. We’re all familiar with IVR (interactive voice response) and chatbots handling our customer service requests when we reach out for technical assistance with our computers and printers. We’re seeing fast food restaurants switch to digital ordering menus, and robots may start staffing their kitchens.
“And I understand that repetitive and routine tasks will likely be assumed by machines over time. But people are still going to be needed to oversee what those computers are producing and what those algorithms are recommending. In other words, there’s a lot of room for us humans to remain at helm of industry, and I’m looking forward to playing my part.”
There’s nothing like a little professional optimism and perspective at a time of severe change. Come from wisdom, remain vigilant, but don’t get swept away too quickly by those hyperbolic and doomsday headlines that you’re reading out there. Yes, we’ll transition as a society and an economy. And yes, there will likely be significant disruption at times as old jobs are eliminated and new jobs are created. But if the largescale introduction of robots about a decade ago is any sign, there will be more net jobs—not less—once the wave passes over us.
You can connect with Paul on LinkedIn at www.linkedin.com/in/paulfalcone1
Paul Falcone (www.PaulFalconeHR.com) is a management trainer, executive coach, and bestselling author on hiring, performance management, and leadership development.
www.harpercollinsleadership.com/catalog/paul-falcone/
By Eve Nasby & Kristin Hennessy www.bandofhands.com
A revolutionary treatment offers new hope for those struggling with mental health during career change.
Transitioning from military to civilian life is a journey fraught with challenges, and for many veterans, mental health issues can be a significant roadblock to success in the civilian workforce.
A 19-year Marine veteran, who we’ll call “Mike,” just couldn’t get up in the morning to get to work. Haunted by depression and anxiety, Mike could not get to sleep, and as a result was finding it impossible to get to work on time. The stress resulted in strained work relationships and overflowed into his personal life as well. His relationship with his wife was on edge and he knew he needed help and needed it now.
Mike learned of a groundbreaking treatment called Transcranial Magnetic Stimulation (TMS) that offers new hope and potentially smoother transitions for those who have served our country. TMS is a non-invasive therapy provided by companies like Kind Health TMS, and is emerging as a game-changer for veterans grappling with depression, anxiety, and PTSD as they navigate the complexities of civilian career paths.
"TMS is not just treating symptoms; it's rewiring the brain for long-term success," Dr. Georgine Nanos of Kind Health TMS. This FDA-approved treatment uses magnetic pulses to stimulate specific areas of the brain, creating new, positive neural pathways that can be crucial for veterans facing the stresses of job searches, interviews, and new work environments.
The efficacy of TMS is turning heads in both medical and veteran support communities. With a remission rate of 50-60% and a response rate of 87.5%, it's outperforming many traditional therapies. For veterans transitioning to civilian careers, these numbers translate to real-world benefits
Mike underwent Kind Health TMS's accelerated 5-day program. Within weeks of treatment, he saw a complete turnaround. He began experiencing immediate improvements in sleep, followed by better mood regulation and decreased anxiety. These changes directly translated to improved job performance and workplace relationships.
What sets TMS apart for transitioning veterans is its lack of severe side effects commonly associated with psychotropic medications. "We're offering a safer alternative to SSRIs, without the sexual dysfunction or gastrointestinal issues that can interfere with job performance and interviews," Dr. Nanos emphasizes. This means veterans can focus on their career transition without the added burden of managing medication side effects.
Accessibility is key for veterans in transition, and Kind Health TMS is addressing this head-on. The treatment is now covered by TRICARE and the VA for those diagnosed with depression who have shown resistance to traditional medication. For those seeking the accelerated 5-day program, Kind Health TMS has launched the Kind Care Initiative, a philanthropic arm aimed at making treatment more financially accessible.
"We understand that financial strain is common during and after career transitions," Dr. Nanos states. "We're working with military non-profits and exploring grants to ensure that finances don't stand in the way of mental health and career success."
The potential impact of TMS on career transition is vast. By addressing underlying mental health issues, veterans are better equipped to:
1. Handle the stress of job searches and interviews.
2. Adapt to new work environments and corporate cultures.
3. Build and maintain professional relationships.
4. Focus on skill development and career growth.
5. Maintain work-life balance in their new civilian roles.
As one treated veteran put it, "TMS didn't just help with my depression; it gave me the mental clarity and emotional stability to reimagine my career path. For the first time since leaving the service, I feel equipped to take on civilian professional challenges."
For veterans, active duty personnel considering future transitions, and military spouses navigating their own career changes, TMS represents a new tool in the kit of transition resources. As mental health continues to be a crucial factor in successful civilian career transitions, innovative treatments like TMS offer a new ray of hope.
"We're not just treating veterans, "Dr. Nanos concludes. "We're empowering them to write the next chapter of their professional lives with confidence and clarity."
In a landscape where successful transition to civilian careers remains a significant challenge for many veterans, Kind Health's TMS therapy stands out as a beacon of progress.
As more success stories emerge and accessibility improves, it may well redefine how we approach mental health support for transitioning service members, paving the way for more successful and fulfilling civilian careers.
www.bandsofhands.com
Need help with your transition? Have questions? Link up with Eve on Linked In today www.linkedin.com/in/eve-nasby-given-hiring-expert
Learn more about Kind Health’s TMS therapy at: https://tms.kindhealthtms.com/ www.bandofhands.com
By: Stanley Popovich www.managingfear.com
What can you do if you like your job, but your boss causes you a lot of stress and anxiety?
It can be stressful to be at your place of employment and have your supervisor constantly get on your case.
As a result, here are seven tips on how you can deal with a difficult manager at your current job.
1. Don’t rush to conclusions: Do not be quick to make judgements about your boss. Give it a month or two to see how things work out before getting upset. It usually takes some time to adjust to changes that take place regarding your job
2. Improve your work performance: If you get a new boss, try doing some extra work to show that you are a good and dependable employee. A few extra hours of work during the week could impress your manager and could improve relations. Many managers like employees who go the extra mile.
3. Try to reduce any future problems: It is important to make sure you plan ahead to help reduce any potential issues that might occur between you and your manager. Make sure you meet all of your deadlines and talk to your manager if you have any questions about your performance. Doing these things will help prevent future business conflicts.
4. Watch your actions: Be careful what you talk about when hanging out with others in your office. Do not talk about politics, religion, or any other sensitive topics that could get you into trouble. Focus on trying to do the best job you can instead of worrying what everyone else is doing.
5. Focus on what your boss likes to do: It doesn’t hurt to ask your manager what they like to do when they are not working. Show an interest in what your manager likes to do. This will help to get to know your manager as a person rather than just as a boss.
6. Talk to a career counselor for advice: If your still having trouble with your manager, talk to a career counselor who can give you advice on what you can do. Do not be quick to make any career decisions that could cause problems for you down the road.
Remember to take things one day at a time. Instead of worrying about how you will get through the rest of the week, try to focus on today. Each day can provide us with different opportunities and that includes learning how to deal with your problems at your job. Have an open mind regarding your current job and be on the lookout in finding ways to maintain the peace with your supervisor.
7. You always have options: Sometimes a person may need to change departments or find another job if they do not like working for their current supervisor. Do not be afraid to change jobs if it means that you will be happier. It is important to enjoy what you are doing and to work with a supervisor who is understanding and easy to work with.
About the Author Stan Popovich
Stan’s mental health advice has been featured on NBC, ABC, CBS, and Fox News. Please google Stan and visit his website at www.managingfear.com for more valuable information advice.
By Doug Dwyer doug.dwyer@dreammakerbk.com
Franchising presents a unique opportunity for veterans transitioning from military service to civilian life. The structure, support, and established systems can make it an appealing option for those accustomed to discipline and teamwork. However, several misconceptions about franchising can deter veterans. I’d like to take a moment to debunk some of the most common myths, specifically from a veteran's perspective.
A prevalent myth is that franchising guarantees business success. While franchises often have higher success rates than independent startups due to established brand standards and support systems, they are not a guaranteed ticket to prosperity. Veterans, familiar with rigorous training and strategic planning, understand that success depends on several factors such as location, market conditions, and their management skills. The military's emphasis on preparedness and adaptability can be crucial in navigating these variables.
Some believe that franchises are simple to operate because they come with a set operational model. This misconception can be misleading. Managing a franchise requires effort in areas like staffing, marketing, and customer service. Veterans, who excel in leadership and operational excellence, are well-suited to handle these challenges. The franchisor provides a framework, but veterans must apply their discipline and leadership to execute the business plan effectively.
When people think of franchises, they often picture fast food chains like McDonald's. However, franchising spans numerous industries, including healthcare, education, home services, and even kitchen and bath remodeling. Veterans, with their diverse skill sets and experiences, can explore a wide array of franchise opportunities that align with their interests and strengths. This opens possibilities that allow veterans to find a niche that suits their passions and career goals.
Another common misconception is that franchisees are merely extensions of the franchisor with little independence. Franchisees are independently owned and operated, providing you with significant control over your business operations, from staff management to local community involvement. Veterans, who are used to making decisions in high-stakes environments, can thrive in this model. The structure provided by the franchisor ensures consistency, but the day-to-day operations and local adaptations are in the hands of the franchisee.
Many veterans might believe that franchising requires a substantial financial investment. While some franchises do have high entry costs, many are affordable and offer financing options. There are also specific programs and incentives designed to assist veterans in franchise ownership. Organizations like VetFran (go to VetFran.org to learn more) provide resources and discounts to help veterans transition into franchising, making it accessible to those with varying budget levels. At DreamMaker, we’re proud to offer veterans a 20% discount on their franchise fee.
For veterans considering franchising, understanding these misconceptions is crucial. Franchising offers a structured yet flexible path to entrepreneurship, blending the benefits of proven processes and systems with the autonomy of running a business. With realistic expectations and the right approach, veterans can find a rewarding and prosperous career in franchising.
Doug Dwyer is the President & CSO of DreamMaker Bath & Kitchen, a company dedicated to helping its remodeling franchisees achieve Strong Margins and a Quality of Life. doug.dwyer@dreammakerbk.com
By Barbara Eldridge www.mindmasters.com
As we enter the final quarter of 2024, only 92 days remain to make the most of this year. This is a critical time for all business owners to re-evaluate their strategies—especially in the financial realm. Whether you’re running a small veteran-owned business or a larger operation, now is the perfect opportunity to assess your financial standing and plan for a prosperous year ahead.
With the end of the year rapidly approaching, it’s time to think about your tax obligations. For some, this means making sure you’re caught up and prepared to meet your final tax deadlines. Waiting until the last minute can lead to stress and mistakes—did you wait this long? If so, there’s still time to act. Whether you’ve been proactive or not, now’s the time to review your finances, gather your paperwork, and consult with your accountant to ensure you’re ready for the year-end crunch.
Running a business is expensive, and controlling costs should be a top priority. That’s why the last quarter is an ideal time to reassess your financial needs for next year. Pay close attention to where your dollars are going. Are your expenses aligned with your goals, or are there areas where you can make smarter decisions?
Use your financial wisdom and seek your accountant’s advice to evaluate what's working and what needs adjustment.
The key to creating a successful business lies in focusing on the essential areas—especially the effective and strategic management of your finances. This doesn’t have to be complicated, but it does require discipline. Establishing the routines and habits of a strong financial manager is crucial. In fact, poor accounting practices are one of the primary reasons small businesses fail. A wise business owner knows that consistently tracking revenues, expenses, cash flow, and budget forecasts on a monthly basis is non-negotiable.
Just as you need to monitor where your money goes, you also need to take stock of your mindset. How you think about your finances can directly impact your financial outcomes. Negative or scattered thinking leads to poor decisions and negative results, while positive, focused thinking leads to constructive solutions and better outcomes.
As a veteran business owner, you understand the importance of discipline, strategy, and focus. These traits that have served you well in your service can be applied to the management of your business finances. Use this last quarter as a time to reset, reassess, and refocus on what matters most. Whether it’s meeting tax deadlines, cutting unnecessary costs, or adjusting your financial mindset, the work you do now will lay the groundwork for success in the coming year.
Remember: Financial success is not a matter of chance, but a matter of choice. Make the right choices now, and set your business up for a strong finish to 2024—and a thriving 2025.
Barbara Eldridge President/ Founder of Mind Masters where business owners tap the synergy of energy, commitment and excitement for each other to raise the bar for each other’s goals, brainstorm ideas, create solutions, and offer mutual support. Checkout how a Group help you create personal, professional and financial growth. www.mindmasters.com
By Joseph Molina www.vccsd.org
Cybersecurity is a rapidly growing field with high demand for skilled professionals.
Positions range from security analysts and engineers to security architects and consultants. Salaries are generally competitive, and there are opportunities across various sectors including finance, government, and tech.
Here are some options on how to be Job-Ready if you are interested in this Industry.
1. Bachelor's Degree in Cybersecurity: This is a common starting point. Programs typically cover topics such as network security, cryptography, and ethical hacking. Look for programs that offer hands-on labs and practical experience.
2. Master’s Degree in Cybersecurity: If you already have a bachelor’s degree and want to advance, a master's in cybersecurity provides deeper knowledge and often focuses on management and strategic aspects of security.
3. Master’s Degree in Computer Science with a Focus on Security: Combines advanced computing skills with specialized knowledge in security.
1. CompTIA Security+: A great entry-level certification that covers a broad range of security topics.
2. Certified Information Systems Security Professional (CISSP): An advanced certification ideal for those looking to specialize in security and take on managerial roles.
3. Certified Ethical Hacker (CEH): Focuses on offensive security techniques and ethical hacking.
4. Certified Information Security Manager (CISM): Emphasizes management and governance aspects of information security.
5. Certified Information Systems Auditor (CISA): Suitable if you’re interested in the auditing and compliance aspects of cybersecurity.
6. Cisco Certified CyberOps Associate: Focuses on security operations and Cisco network technologies.
7. Offensive Security Certified Professional (OSCP): Known for its hands-on and challenging approach, it’s great for those interested in penetration testing.
8. GIAC Security Essentials (GSEC): Covers the practical aspects of security and is a good intermediate-level certification.
9. Certified Cloud Security Professional (CCSP): Ideal if you’re focusing on cloud security.
• Internships: Seek out internships or co-op programs related to cybersecurity. They provide hands-on experience and help build a professional network.
• Labs and Projects: Engage in practical labs, simulations, and projects. Many degree programs offer labs or virtual environments where you can practice.
• Hackathons and Competitions: Participate in cybersecurity competitions or hackathons. These can be a great way to challenge your skills and stand out to employers.
• Technical Skills: Proficiency in programming languages (like Python), network security, encryption, and system administration.
• Analytical Skills: Ability to analyze and interpret data, detect patterns, and respond to incidents.
• Soft Skills: Communication, problem-solving, and critical thinking are essential, especially when explaining technical issues to non-technical stakeholders.
Networking and Professional Development
• Join Professional Organizations: Groups like (ISC)², ISACA, and the Information Systems Security Association (ISSA) offer networking opportunities and resources.
• Attend Conferences and Workshops: Stay updated on the latest trends and technologies in cybersecurity.
If you have any specific interests in this Industry the National Veterans Chamber can help you land a job in this field Just send us an email at veteransccsd@gmail.com (Subject line Cybersecurity)
Disclaimer: The information provided is for educational purposes only. Make sure to consult with a real estate financing Loan expert who can provide valuable guidance in navigating these decisions and finding the right solution for you.
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September 1–November 11, 2024
To recognize Veteran's Day, in support of our military families and veterans, VFW, Humana, and Feeding San Diego invite you to support the Uniting to Combat Hunger Food Drive.
From September 1 to November 11, 2024, bring non-perishable food items to participating locations or donate through our virtual food drive!
For a list of participating locations, scan the QR code or visit feedingsandiego org/utch
Visit feedingsandiego org/utch or scan the QR code to donate today! Every $1 donated helps provides 2 healthy meals to people facing hunger in San Diego County
every pound of food or dollar donated by participating VFW posts, the VFW Foundation with Humana will donate $1 to the post, up to $1,500 per post.
You’ve served your country, now serve your community!
Military and law enforcement have had a longstanding relationship with overlaps in training exercises, equipment, and, most important, personnel.
It is not uncommon for a service member to make the jump from the military to law enforcement as both professions look for the same characteristics; leadership, fidelity, chain of command, and teamwork are all common themes in both professions.
Quite understandably, many American military veterans often gravitate to a career in law enforcement when the time comes to rejoin the civilian workforce.
The two professions have many fundamental similarities; from the uniforms they wear with pride, to the firm command structure they serve under, to great personal risk they endure while protecting those who cannot protect themselves.
The following agencies are actively hiring & proudly support our veterans, active military and the families that keep together.
By Holly Shaffner
Changing careers can be exciting, exhilarating, and filled with trepidation. Meet Officer Cindy Ovares who has made the transition numerous times – from active-duty service member, to student, massage therapist, teacher, and now police officer.
The life experience she gained in those previous longterm jobs set her up to be successful today. She is doing what she’s always wanted to do – have a career that is challenging and rewarding.
Cindy was like many seniors in high school as she contemplated what she would do after graduation. When the Navy recruiter called the house looking for her brother, the recruiter instead got an eager, independent 17-year-old woman who wanted to find adventure. Just a few months later, she was off to “see the world” and start her first career.
As an Aviation Machinist’s Mate, Petty Officer Ovares was a jet engine mechanic. It was a male-dominated job, and she wanted to prove that anything a man could do, she could do better. She attended military schools in Florida and Virginia to learn her trade, and was later stationed in Lemoore, California. She was attached to VFA-22, an F/A-18 Super Hornet squadron, that deployed on ships. After serving four years on active duty, she earned Post 9/11 GI Bill education benefits, and chose to leave the Navy to attend college.
After completing her bachelor’s degree in Secondary Education and being a fluent Spanish speaker, she was hired to be a high school Spanish teacher. The job was gratifying; but also, under resourced, understaffed, and had little room to grow professionally. She wanted something new and challenging, was drawn to the community where she grew up, so, in her late 30s she applied to be a police officer.
“Being able to talk to people, figure out what they are going through, and what they need is a huge portion of the job. I enjoy interacting with the public, and engaging in what I call verbal judo.”
Officer Ovares was accepted to the San Francisco Police Academy and has been an officer for the last three years. She is a foot patrol officer working in the Tenderloin District – a 50-block area that has a storied history, and has been known for homelessness, drugs, and crime.
“Being able to talk to people, figure out what they are going through, and what they need is a huge portion of the job. I enjoy interacting with the public, and engaging in what I call verbal judo,” said Officer Ovares.
For Officer Ovares, the parallels between serving in the military and serving in law enforcement made the transition go smoothly:
• Routine – You know what to expect before your shift begins (what time to report, what uniform to wear, the structure of the day).
• Camaraderie – The bond between fellow officers is like the bond between your fellow military brothers and sisters.
• Variety – Every day is different with different assignments and duties, so the job is never boring.
• Benefits – Include a competitive salary, paid vacation days, floating holidays, and sick days, healthcare, retirement, and special pay for certain assignments and being bilingual.
As a Latina giving back to her community, she admits that the job comes with highs and lows. Officer Ovares recommends a career in law enforcement for those military members looking to make a smooth transition to a new chapter.
To learn more about the San Francisco Police Department, or to connect with recruiter, go to: www.sanfranciscopolice.org/your-sfpd/careers
By Amber Robinbson San Diego Veterans Magazine
When I asked to go on a ride along with the San Diego Police Department, making a special request for any veterans-turned-cops, I expected a really serious, possibly dangerous, afternoon of shadowing our city’s toughest crime fighters.
What I got was an afternoon of heartfelt service to our San Diego community, honorable humility and a lot of respect.
When I asked whether former Marine Sergeant Major, Mark Wright, and his partner, former Marine Staff Sergeant, Sean Bunch, had rank or titles he said their titles were just San Diego police officers. They are relatively new partners, but act like they’ve known each other for years, which is usually the case when you get Marines together.
Wright is a newer addition to the force, coming on board two years ago, with Bunch only having two years left.
Currently, these brothers-in-arms spend their days patrolling the entirety of Balboa Park.
Although neither men are taking fire or kicking in the enemy’s door on this beat, like during their time in Iraq or Afghanistan, they still work hard to serve their local community. Service which can range from tracking down criminals to answering questions from lost pedestrians, to giving out stickers to kids and never backing down from a chance to turn on those flashing red and blues just to make one of them smile.
Most of our particular day was cruising around beautiful Balboa Park running car tags to see if they were current, from cars not displaying proper plates and placards to those double parked. Bunch says they often catch parole violators or even stolen cars doing just this. I was struck as I watched both officers go out of their way to look in and around vehicles to find plates or disability placards not displayed correctly so as to avoid issuing superfluous tickets.
“We try to give everyone the benefit of the doubt,” said Wright. “We’re not out to get anybody.”
Although, both officers confirm that enforcing even the most basic of park rules can yield large payoffs. During a recent patrol Bunch spotted an individual smoking in the park, which is illegal. As he circled back round, the individual turned and rapidly tried to walk away, which activated immediate suspicion. He was detained and came back with a warrant for numerous kidnapping and child molestation charges.
Both men say a lot of what they do is talk with museum owners and those living in the neighborhoods surrounding the park about their concerns. A shared concern by all is the park’s homeless population.
Bunch says their posture towards the homeless is mostly that of assistance, adding there are many resources available for those who would take them.
The city spends a lot of money on resources,” said Bunch. “The biggest problem we run into is whether or not the [homeless] people want them, and a lot of them don’t.”
Thus, the men tend to run into the same issues with the same people pretty often. Although frustrating, they have learned that respect goes a long way when challenged with these repeat offenders. Bunch recalls spotting one such offender in the park, who was in violation of his parole and wanted on warrant. He was unable to get to the offender immediately, but still apprehended him with a verbal request. The parolee waited patiently to be hand-cuffed and arrested, simply out of the respect he held for the law man.
“Being respectful of everyone despite their lot in life goes a long way in this job,” said Wright.
Both men say a huge part of their work is being able to connect and communicate with the myriad of people they meet daily.
Bunch says he feels he and Wright are lucky to come to the force later in life, given it means they have a wider frame of reference for those they meet and serve daily. “We deal with people who are going through all kinds of things in life,” said Bunch. “And it’s helpful to be able to say, ‘hey I know what you are going through, I’ve been there.”
As the day progressed, I realized that both gentlemen definitely had a long list of tough and unique life experiences to pull from. Both proudly served the United States Marines for years, traveling to war and all over the world, experiences that yield much wisdom as well as many a story.
Bunch, for instance, did not come to the force straight from the Marines, but from Hollywood. Surprisingly, he is a member of the Screen Actors Guild, working as a military advisor on various productions, like Lonestar 911, and appearing in some as well, such as one of the most recent Men in Black movies.
“I grew up outside of LA,” said Bunch. “So, I’ve always just kind of been around the business and found a place for myself there with all my military experience.”
Bunch hopes to return to work in Hollywood after he leaves the force, bringing with him a new level of experience and respect.
Wright, who retired from the Marines as a Sergeant Major never worked in Hollywood, but he does have plenty of stories about being a proud grandfather, father and new amputee. When I entered the Central Division Station and met him, he said he was just getting back to work after some time off after losing his leg.
Wright remained unscathed during his over-20-years in service, overseas deployments and endless combat train ups. It wasn’t until after service that he lost his leg in a motorcycle accident late one foggy night a little over a year ago. Wright says it had been an eventful second watch and he was leaving the station about 2 AM on his motorcycle when it happened.
“It was only about two minutes from work,” said Wright. “I was coming around a curve and entered into what I thought was fog, and as I’m entering, I see a headlight and side mirror in my lane.”
That headlight and mirror became an entire car that was blocking Wright’s entire side of the road.
“I was a heuy crew chief in the Marines and reverted to my training from that, grabbed my shoulders, braced for impact and went flying like a human lawn dart over my handlebars,” said Wright.
Wright landed in the ditch on the side of the road. He says he realized immediately that he had a back and leg issue. He learned that a bystander had called 911, but he requested they call back and state that the injured motorcycle rider was a policeman with the San Diego Police Department and expedite services. This one request would become pivotal in saving Wright’s life.
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“What I didn’t know at that time was that I had severed two arteries in my leg, and I was bleeding out,” said Wright.
What Wright would learn later is his heel had also been torn off on the wrecked car as he sailed past it into the ditch. After much pain and many surgeries, Wright would finally lose his leg from the knee down. says he doesn’t let it get him down, though. He’s proud to continue to serve as one of our city’s finest.
Both he and Bunch take much pride in their time as Marines and as San Diego Police Officers. Each officer comes from strong military stock, with Wright’s grandfather being a World War II veteran and Prisoner of War and Bunch’s father a decorated veteran of Vietnam.
All in all, this Army vet’s afternoon with two Marines was an impressive one. Both seasoned public servants, these honorable men have discovered you must give respect to get it, that violence is often not the answer and the most important thing to keep in mind along the way, is a good, human dose of empathy.
For more information visit www.joinSDPDnow.com or email us at SDPDrecruiting@pd.sandiego.gov
