San Diego Veterans Magazine August 2023

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VETERANSSAN DIEGO Vol. 6 • Number 8 • August 2023 M A G A Z I N E VETERANS Resources & Support
PTSD MENTAL HEALTH Strategies, Advice & Tips TRANSITION Oppenheimer
OF SUMMER Tribute to Service
Dogs
Atomic Age The Cycle to Success
FIGHTING
DOG DAYS
Working
The

US Navy (1987 – 1993) US Air Force (1993 – 2013)

PTSD treatment can turn your life around. For more information visit: www.ptsd.va.gov/aboutface

2 WWW.SanDiegoVeteransMagazine.com / August 2023
“I’m happier with myself. Having been in therapy, period, has helped me be in a better place now.”
Rogelio “Roger” Rodriguez, Jr

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www.SanDiegoVeteransMagazine.com

Welcome to San Diego Veterans Magazine!

SDVM is a veteran-focused magazine throughout ALL San Diego & Southern California. It serves to assist all veterans, active military as well as their spouses and families.

It is the leading veteran magazine emphasizing resources & support and focusing on topics and issues facing today’s veteran community. SDVM focuses on resources, support, community, transition, mental health, inspiration and more...

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 the city of San Diego and 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 our military-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 past issues, please visit: www.sandiegoveteransmagazine.com/archives

mikemiller@sdvetsmagazine.com

www.sandiegoveteransmagazine.com

Publisher Editor-In-Chief

Mike Miller

Monthly Columns

What’s Next Transition

Eve Nasby • Kristin Hennessy

Human Resources

Paul Falcone

Veterans in Business

Barbara Eldridge

Successful Transitioning Stories

Dr. Julie Ducharme

Risky Business

Hadley Wood

Franchise Frontline

Rhonda Sanderson

Real Talk: Mental Health

Hope Phifer

PTSD: Reclaiming Control

Robert ‘Bob’ Cuyler, PhD

TLC Caregiving

Kie Copenhaver

Art & Healing

Amber Robinson

Legal Eagle

Kelly Bagla, Esq.

Family Law

Tana Landau, Esq.

Midway Magic

David Koontz

Veterans Chamber Commerce

Joe Molina

Contributing Writers

Wounded Warrior Project

Raquel G. Rivas, WWP

Disabled American Veterans

San Diego Veterans Coalition

Veteran Association North County

(In-House) Correspondents

Holly Shaffner

CJ Machado

4 WWW.SanDiegoVeteransMagazine.com / August 2023 San Diego Veterans Magazine 9528 Miramar Road, #41 San Diego, CA 92126 (858) 275-4281 mikemiller@SDVetsMagazine.com
San Diego Veterans Magazine is published monthly. Submissions of photographs, Illustrations, drawings, and manuscripts are considered unsolicited materials and the publisher assumes no responsibility for the said items. All rights reserved
EDITOR’S LETTER
WWW.SanDiegoVeteransMagazine.com / August 2023 5 AUGUST
INSIDE
8 Midway Magic - Freedom Park 12 Oppenheimer - The Atomic Age 16 PTSD - Avoidance in PTSD 18 Real Talk - The Power of Pets 20 Dog Days SDVM (2017 - 2023) 21 Why Dog Days of Summer 22 TLC -Courage and Service 23 History of Service Dogs 24 Shelter to Soldier 28 Canine Support Teams 32 Purple for Purple Hearts 34 Successful Transition - Katie Gonzales 36 What’s Next: The Cycle of Success 40 Human Resources - Tips and Guideposts 44 Business for Veterans - Consistency 45 Risky Business - Doggonit (Insurance) 46 Franchise Frontline - Nick Lambie 48 Legal Eagle - 10 Legal Mistakes 50 VCCSD: Investments/Family Members 51 Real Estate Guide - Broker vs Lender 52 San Diego Veterans Coalition 53 Veterans Association of North County 54 Veterans Art Project 56 Legally Speaking - Child Custody 58 Careers in Law Enforcement 60 SDPD Ride Along - A Story of Two Marines 64 From Navy Sailor to SFPD
2023
THE ISSUE
6 WWW.SanDiegoVeteransMagazine.com / August 2023 As a partner of the We Honor Veterans Program, Hospice of the North Coast is dedicated to providing optimal end-of-life care to the honored men and women who have fought for the freedom and security of our nation. 2525 Pio Pico Dr., Suite 301, Carlsbad, CA 92008 | www.hospicenorthcoast.org Veterans Program Call 760.431.4100 COM M I T T E D TO VETERANS
WWW.SanDiegoVeteransMagazine.com / August 2023 7 JOIN US FOR A VIRTUAL GALA BENEFITING MIRAMAR NATIONAL CEMETERY Summer 2023 The Miramar National Cemetery Support Foundation will be hosting a Virtual Gala to raise funds needed for construction of the MNC Memorial Amphitheater Help Us Make the Vision a Reality! Ways To Donate: Visit our website at www.miramarcemetery.org Mail check to Miramar National Cemetery Support Foundation Attn: Amphitheater Fund, 6906 Miramar Road, Ste C-142, San Diego, CA 92121 The Support Foundation is a 501(c)(3) organization. Tax ID #65-1277308

USS Midway Museum to Build Freedom Park at Navy Pier

The number of young sailors and Marines who bid farewell to the United States from San Diego’s Navy Pier will never be known. Pushing westward, often sailing into harm’s way, many of these fresh young faces, however, would never see their country again.

As far back as the early 1900s, U.S. Navy ships routinely anchored in San Diego Bay at the foot of Broadway. Seen as a natural site for a naval supply depot, a small pier was constructed in 1922 which would anchor the San Diego waterfront for a century. Countless naval vessels, brimming with untold millions of tons of supplies and ammunition, along with precious human cargo, cast off their mooring lines from Navy Pier to support U.S. military and humanitarian operations around the world.

Now, 100 years later, the pier will soon be transformed from a lifeless parking lot into Freedom Park at Navy Pier, paying tribute to the service and sacrifices of military veterans and their families.

“The park will honor our veterans and celebrate our freedoms,” said Laura White, president of the USS Midway Foundation. “It will also be an opportunity for our next generation to learn how they too can be an everyday hero in their life. They don’t have to necessarily join the military, they can just be an everyday hero in their own community.”

The USS Midway Museum and the Port of San Diego are working together on constructing the new park which will be the largest veterans park on the West Coast when completed. Unanimously approved by the California Coastal Commission, Freedom Park will tell the story of those who served our country and preserved the liberties that Americans enjoy today.

“Designs are currently being developed for this exciting new public park,” said White. “With Freedom Park, visitors will have countless opportunities to learn about and interact with many key milestones in our nation’s military.”

It is estimated that Freedom Park at Navy Pier will cost approximately $65 million. Currently, nearly $29 million has been committed to the project from the

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Port of San Diego, the USS Midway Museum and, with the support of Cong. Scott Peters, through Community Project Funding distributed via the federal Department of Housing and Urban Development. An additional $36 million will be raised by the USS Midway Foundation. Major fundraising efforts are scheduled to begin in fall 2023.

“This is an exciting moment,” said Ben Clay, chair of the USS Midway Foundation. “Our mission is simple, get the park built and celebrate our veterans. I look forward to making Freedom Park a reality for all San Diegans and those who visit our wonderful city.”

A Footsteps of Freedom promenade, that will run along the entire north side of Navy Pier, will be dedicated to the service and sacrifice of those who have worn the uniform of our nation and the families that supported them. Additional monuments, play elements, benches and swings, walking trails and gardens, smart technologies and other exciting features will be incorporated throughout the scope of the park.

“Anything to bring the people down here to acknowledge the Navy and its history is great,” said Mike Newell, a USS Midway Museum docent volunteer since 2007 who retired from the Navy in 1989 as an aviation electronics technician senior chief after 22 years of service. “San Diego is such a rich military town. It’s great to have the park built on Navy Pier.”

Engineering efforts are already underway, with structural repairs and rehabilitation proceeding on and under the pier. That work, along with the demolition of the last building on the pier, will take place over the next two years. It is anticipated that actual construction on the park will commence in 2025 and be completed by 2028.

“I have a personal connection as my father actually once had an office in the building on Navy Pier,” said Michael Montag, a Navy veteran who spent five years as a construction mechanic in the Seabees and recently joined Midway’s volunteer team. “I think it’s fantastic. The new park will be a great way to pay homage to all of the Navy and Marine Corps in San Diego. As a San Diego native and Navy veteran, I think we need to always be honoring our veterans.”

“It’s wonderful to see redevelopment along the Embarcadero and that Freedom Park will be right at the center of it all,” said White. “We’re excited to become the place to be in San Diego and looking forward to honoring our veterans in many different ways, as well as engaging the next generation.”

Continued on next page >

www.midway.org/give-join/volunteers volunteers@midway.org

www.midway.org

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For those interested in becoming a USS Midway Museum volunteer, more information along with the volunteer application can be found at: www.midway.orggive-join/volunteers.

We’re excited to become the place to be in San Diego and looking forward to honoring our veterans in many different ways, as well as engaging the next generation.”
- Laura White President of the USS Midway Foundation

Army General and Physicist Helped Usher in the Atomic Age

No one person can be credited with producing the world’s first atomic bomb but two men had outsize achievements in that effort: physicist J. Robert Oppenheimer and Army Lt. Gen. Leslie Groves.

On Oct. 9, 1941, President Franklin D. Roosevelt approved the development of the atomic bomb, partly out of intelligence reports that Nazi Germany might acquire one first.

Roosevelt chose the Army to lead the project, as that service had much experience managing large-scale construction projects.

In September 1942, Groves was appointed director of the ultra-secret Manhattan Project, the code name for the vast effort to produce the bomb. Groves had extensive experience supervising big projects as an engineer, including construction of the Pentagon, and he was widely recognized as a leader who got jobs done on time no matter what.

Groves approved a number of critically important research and engineering endeavors; he also approved

production sites for work on the bomb, including Oak Ridge, Tennessee; Los Alamos, New Mexico; and Hanford, Washington. As leader of theproject, Groves directed construction at those sites; made key decisions in the bomb’s manufacture process; directed intelligence on German efforts to produce a bomb; and, once the bombs were ready for delivery in 1945, selected targets in an effort to shorten the war.

Another one of Groves’ important decisions was selecting Oppenheimer to lead the physics aspects of making the bomb.

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Physicist J. Robert Oppenheimer, left, and Army Maj. Gen. Leslie Groves in 1945 at the site of the remains of the Trinity atomic test in New Mexico. Photo By: Army Army Maj. Gen. Leslie Groves, left, and physicist J. Robert Oppenheimer work on creation of the atomic bomb during World War II. Photo By: Army

Both Groves and Oppenheimer had the talent, drive and leadership qualities that enabled production of the bomb on a very short timeline.

After the end of World War II, the Manhattan Project continued to support atomic weapons testing until the Atomic Energy Act of 1946 split the program into two parts: the Atomic Energy Commission, known today as the Department of Energy, and the Armed Forces Special Weapons Project.

The organization responsible for the aspects of the nuclear weapons remained under military control after the split. It was responsible for nuclear weapons maintenance, storage, surveillance, security and transportation, and conducting offensive and defensive military training in nuclear weapons operations and supporting nuclear tests.

The Defense Department’s Defense Threat Reduction Agency traces its roots back to the Manhattan Project in 1942, according to the agency’s website.

A large number of books have been written about the Manhattan Project and the people involved in it. A biography of Oppenheimer, “American Prometheus: The Triumph and Tragedy of J. Robert Oppenheimer,” was published in 2005. It was written by Kai Bird and Martin J. Sherwin.

That book was adapted into the film “Oppenheimer,” which was released 07/21/23

The first nuclear test occurred near Alamogordo, New Mexico, on July 16, 1945. The bomb was successfully used later that year.

Directed by Christopher Nolan, it stars Cillian Murphy as Oppenheimer, Emily Blunt as Oppenheimer’s wife, and Matt Damon as Groves.

Postwar Developments

Developments during World War II later led to harnessing the technology to produce:

• Nuclear-powered submarines and aircraft carriers.

• The U.S. nuclear-triad defense, consisting of nuclear delivery from submarines, strategic bombers and intercontinental ballistic missiles.

• Nuclear power for producing energy for peaceful purposes.

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Physicist J. Robert Oppenheimer is seen in photograph taken in 1944. The first nuclear bomb is detonated in 1945 at the Trinity test site in New Mexico. Photo By:Courtesy of Universal Pictures
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WWW.SanDiegoVeteransMagazine.com / August 2023 15 mobiusmobility.com info@mobiusmobility.com www.freespira.com/veterans

PTSD: Reclaiming Control

The Anatomy of Avoidance in PTSD:

Understanding and Overcoming

In our last column, we began exploring the four ‘clusters’ of PTSD symptoms: intrusive thoughts and memories, avoidance, alterations in mood and cognition, and hyperarousal or hypervigilance. Having discussed intrusive thoughts, this month we’ll delve into the complex sphere of avoidance.

Intuitively, it makes sense for someone with PTSD to avoid anything that might trigger a distressing re-experience of trauma. It’s akin to avoiding an open flame after getting burned - a straightforward, protective response. In essence, avoidance can be seen as a ‘safety behavior,’ an adaptive strategy developed to shield oneself from perceived danger.

(Part 2 of 2)

However, the traumatized brain can be deceptive. Initially, sensible avoidance behaviors can escalate and rigidify, taking over more and more of daily life. Last month, I described a veteran who had been robbed in a grocery parking lot. His justifiable fear of the robbery location morphed into a broader avoidance of all parking lots. He started taking taxis to work, at considerable expense, to avoid parking in his office parking garage, and even refrained from social events that required night-time parking. His wife became increasingly concerned when he began avoiding social outings. He became more morose with feelings of intense shame, fearing his friends and co-workers might find out about his trauma. His world began to shrink as he succumbed to avoidance.

Furthermore, he developed recurrent nightmares about dying, which awakened him in a panic. To fend off these nightmares, he started avoiding sleep, subsequently resorting to heavy drinking to induce a dulled, dreamless slumber. As you can see from this case, unchecked avoidance can infiltrate multiple aspects of life, affecting mobility, daily tasks, social interaction, family and sleep.

The subtlety of the traumatized brain lies in its ability to justify avoidance. Every successful instance of avoidance is interpreted as evidence that the strategy is working. The ‘safety division’ of our brain is reassured when disaster is averted, and so the avoidance repertoire expands, further shrinking the PTSD sufferer’s world. This process can inadvertently cultivate feelings of loss, shame, and secrecy, paving the way for depression.

In illuminating the intricate workings of PTSD, my intention is not to paint a bleak picture. Rather, by fostering a comprehensive understanding of these symptoms, we can better tackle them. Over the next few months, as we explore the remaining symptom clusters, we will also delve into effective methods that help individuals reclaim control, rekindle confidence, and rediscover joy on their path to recovery.

Cuyler is chief clinical officer of Freespira, an FDA-cleared non-medication treatment that helps people with panic and PTSD manage their symptoms by learning how to regulate their breathing. - www.freespira.com

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WOUNDS

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.

San Diego Veterans Magazine works with nonprofit veteran organizations that help more than one million veterans in lifechanging ways each year.

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WE CANNOT SEE
Inspiration. At San Diego Veterans Magazine you can visit our website for all current and past articles relating
PTSD, symptoms, and resources.
FIGHTING
R
Resources. Support.
to
Resources & Articles available at:
PTSD
E S O U R C E S sandiegoveteransmagazine.com/category/fighting-ptsd

Real Talk: Mental Health

The Power of Pets: How Animals Can Improve Mental Wellness

I am a military spouse and mom of four boys.

With one of those boys diagnosed with High-functioning Autism, absence seizures, mitral valve regurgitation, gastrointestinal issues, tics, and chronic childhood migraines, I spent many days and nights in the hospital, or traveling to distant cities to see doctors and specialists, so much that it became routine. With my husband either deployed or on TAD (Temporary Additional Duty), I held down the fort and slept very little.

In fact, I would jump up out of my sleep and run into my son’s room to check on him often, because of all the past instances we had gone through with him medically. I was scared to sleep for too long, for fear I might miss something. What if he needed me and I was not there for him! I could never forgive myself. Every phone call from the school would physically make me sick to my stomach before I even answered the phone in fear that something had happened. There is nothing like a mother seeing their child in pain it creates a feeling of helplessness. Even though I knew I was doing everything I could, I still felt helpless.

It broke my heart seeing my child playing alone at the park or at school during recess and not interact socially with other children, and not be able to read social and emotional ques. He had his family, but he was alone, and that bothered me more than it bothered him. I felt so helpless.

I often considered the benefits and what life would be like if we were to get a service dog for my son. However, I also felt that it would be selfish of me to take away from someone whose different abilities I thought were greater than my son’s.

One day, I was at the Camp Pendleton commissary after having a long stressful day and just wanting to get home. A lady walked in with a service dog in training. I stopped her and asked if I could pet him. She gave him a command “go visit” and he walked up to me, turned around and sat right in front of my feet. As people

walked by, he did not budge, he had his eyes on his trainer and did not break focus as I kneeled and stroked his back. It was so calming and soothing! She gave him a command to put his chin on my knee and I was able to stroke his head as he just stared at me as if to say, “don’t worry momma I got you.” I learned that day that having a service dog is not about how significant one’s disability is compared to the next, but what a service dog can do for you specifically.

So, we got Ione, our service dog.

Having Ione as a companion for my son helped get him through his melt downs and he was quietly there for him for however long it took. Ione provided that body pressure when my son needed it, especially since he is not a fan of human touch. When he would get home from school, he was able to relax and release the tics that he held in all day and go through the physical motions it brings with it. And Ione would be sitting at the door every day waiting on his buddy, so he could be right by his side providing comfort and support.

Having a service dog changed my son’s life!

My son defied the odds and graduated from high school this year and will be going to college in the fall studying electrical engineering and competing in track and field.

I look at my son and see how far he has come and all that he has accomplished, despite what he went through and what we were told. He has worked so hard to get to where he is today and while he still struggles in areas, he refuses to give up and I am so proud of him.

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Goodson says the following are some reasons why having a pet helped her family, which could help other military families:

• Helped to calm her son when he was under high stress due to stressful situations at school.

• Taught her son responsibility. For example, he brushed him, cleaned up after him on walks, brushed his teeth and cleaned his face, paws and ears.

• Provided social connection and interaction with others in the community whereas before he was closed off and struggled with social interactions and communication.

• By teaching the service dog commands, it enabled her son to learn how to advocate on behalf of his needs as well as how to recognize what que best fit those needs in that moment. This also transpired into his school setting, and he began to speak up in the classroom with both his teachers and peers.

According to Kelly Williams, LMFT, Associate Director of the Steven A. Cohen Military Family Clinic at VVSD in San Diego, there are other ways pets can benefit mental wellness.

“When experiencing depressive thoughts or behaviors, such as difficulty getting up or completing basic tasks for oneself, some clients report their pets as the reason for pushing themselves,” Williams said.

“The need to walk a dog or complete a routine for a pet can give a person a sense of purpose that they have been struggling to find themselves.”

“Additionally, I have personally noticed during telehealth sessions, when some clients have the ability to hold or pet their animals in session, they are able to ground or regulate themselves in difficult conversations or topics,” she added. “Furthermore, clients who bring in their service animals to sessions at our Cohen Clinic, can use their pets as additional support when discussing difficult topics or when processing trauma.”

WWW.SanDiegoVeteransMagazine.com / August 2023 19 Therapy for Veterans, Service Members, and their Families Cohen Clinics provide therapy to post-9/11 veterans, service members, and their families, including National Guard / Reserves. LEARN MORE vvsd.net/cohenclinics 8885 Rio San Diego Dr. Suite 301 3609 Ocean Ranch Blvd. Suite 120 CVN Telehealth, face-to-face video therapy available statewide. 20800 Madrona Avenue, Suite C-100, Torrance, CA San Diego Oceanside Los Angeles our CALIFORNIA locations

DOG DAYS OF SUMMER

Tribute to Service - Working Dogs

The FIRST Issue featuring ‘Dog Days’ of Summer started in 2019, and is now one of our most popular San Diego issues every year.

“I got my service dog when I was medically retired out of the military, and it was the best thing that ever happened to me. I wish every medically retired serviceman could have a service dog. He’s amazing. He’s my best bud. I go everywhere and anywhere with him.”

“Service dogs give us the courage to face the world, even when it feels like the odds are against us.”

“A service dog’s presence is a constant reminder that we are never alone in our struggles.”

“Service dogs are proof that small moments of joy and unconditional love can bring immense happiness into our lives.” -

“Service dogs show us that it’s not our disabilities that define us, but our abilities to overcome them.”

San Diego Veterans Magazine (Dog Day Covers) 2019-2023

August 2019 August 2020

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2023
August 2021 August 2022 August

Why is this time of year, approximately forty days from early July to early September, referred to as the ‘Dog Days’ of Summer?

‘Dog Days’ of Summer

Many people believe the phrase “dog days of summer” stems from the fact that dogs tend to be a bit on the lazy side during the hottest days of summer.

Of course, who can blame them? With that much fur, dogs that exercise during the hot days of summer can overheat easily.

We have all heard the myths about Dog Days, most of which focus around our canine friends, which is why the old folks say this time of year is called Dog Days.

Some of the myths are:

Hunting dogs will not hunt, dogs go mad and foam at the mouth for no apparent reason, snakes go blind and strike at anything that comes near them, (dogs in particular), no use in going fishing because the fish will not bite, wounds and sores will not heal, if it rains on the first day of Dog Days, it will rain every day for the next 40 days, or the opposite-if it does not rain on the first day of Dog Days then it will not rain for 40 days, and the list of myths goes on.

Sometimes myths are just myths. Handed down from generation to generation, but the real origination of this time of year being dubbed Dog Days, is based on a partial myth also.

The term Dog Days was coined in ancient Rome, and was named after the star Sirius, the Dog Star, which is the brightest star besides the sun. It was thought that due to the rising and setting of Sirius at around the same time of the sun each day this time of year, that Sirius added its heat to the sun’s heat, thereby making the days hotter. Hence the term Dogs Days.

Our modern day usage of the term has little to do with Sirius or his alleged wrath. We use the term Dog Days to refer to anything that is slow, lazy or languishing.

I think the best way to appease the wrath of Sirius is to gather up my canine friends and find a hilltop breeze or go stagnate on the couch in front of the air-conditioning or maybe hit the beach and enjoy the San Diego cool ocean breeze.

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CAREGIVING TLC

Courage and Service

Chips, a German Shepard mix, is the only animal to receive the Purple Heart Medal. Man’s best friend for sure, Chips helped his squadron capture 10 Italians during World War II leading to his receiving the Purple Heart for this courageous and heroic deed.

The Purple Heart Medal is the oldest military decoration on record, originating in 1780 as the Fidelity Medallion by the Continental Congress. In 1782, President George Washington created the Badge of Military Merit, which later became known as the Purple Heart, stating its purpose as:

“to cherish a virtuous ambition in his soldiers, as well as to foster and encourage every species of Military Merit…whenever any singularly meritorious action is performed, the author of it shall be permitted to wear…over his left breast, the figure of a heart in purple cloth…Not only instances of unusual gallantry but also of extraordinary fidelity and essential service…shall be met with a due award.”

After Chips, the German Shepard mix, received his Purple Heart Medal, it was never awarded to another animal according to multiple news sources. Animals are recognized for their heroic actions while serving with military men and women by the nonprofit organization, American Humane, based in Washington, D.C.

In addition to awarding well-deserved medals to the animals assisting our active service men and women, this and many other organizations nationwide offer a service dog program to those military personnel needing additional assistance. As our veterans transition back to civilian life, a specially trained service animal can assist them with things like Post-Traumatic Stress Disorder (PTSD), Traumatic Brain Injury (TBI), anxiety reduction, seizure detection, as well as many other medical conditions. These service animals are trained in everything from maneuvering obstacles and tricky terrains, detecting and protecting those with seizure disorders, and interrupting PTSD-related night terrors to working within military healthcare facilities, visiting patients to provide comfort, emotional support, and to enhance the healing process.

So, hats off to all our service members – past and present – with a special thank you to those men and women who received the Purple Heart Medal for courageously and unselfishly putting themselves in harm’s way to ensure our freedoms endure today.

A special thanks goes out to our four-legged service members who stand next to our military men and women, ready and willing to serve their country, regardless of the dangers they may face - Chips, Sergeant Stubby (bull terrier mutt, WWI ), Rags (mixed breed terrier, WWI), and Staff Sergeant Reckless (war horse, Korean War) serve as honorable examples. And last but certainly not least, a salute to the countless other service animals who assist our veterans through service and companionship.

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Chips Staff Sergeant Reckless Sergeant Stubby Rags

THE HISTORY OF SERVICE DOGS

Have you ever wondered about the first service dogs? Who trained them and what types of tasks did they perform? Were dogs considered “family members” as they are today? Or were they nothing more than tools? We thought it would be interesting to take a quick look at the history of service dogs and how their roles evolved over time.

DOGS AS COMPANIONS

Nobody knows exactly when dogs and humans first forged their inseparable bonds. The oldest dog ever found was a perfectly preserved puppy found frozen in the permafrost in the Far East. Scientists estimate its age to be about 12000 years old.

We know that Ancient Egyptians kept both cats and dogs and valued them enough to take them along into the afterlife. Dog mummies have been found from as early as the sixth century B.C. and in Peru, a burial place dating back to 900 A.D. holds individual plots for both dogs and their owners.

The evidence is strong that dogs have played an important role in men’s lives for a very long time.

EVIDENCE OF DOGS AS SERVICE ANIMALS

When, though, did dogs first begin to help those with disabilities?

One of the first known references to service dogs is found in Ancient Rome. Frescoes depict blind men being led by dogs and Ancient Chinese scrolls talk of the same.

In America, one of the first well-known seeing eye dogs made history in 1928. Buddy and his blind owner, Morris Frank, publicly demonstrated how his dog could guide the visually impaired by having him navigate a busy New York intersection. Since then, guide dogs have been publicly accepted and sought for those with vision problems.

THE MODERN SERVICE DOG

It wasn’t until the 1960’s that service dogs for those other than the blind began to be trained and recognized. For the hearing impaired, dogs could signal a crying baby, a telephone, or the sound of sirens.

As time went on, dogs became companions for autistic children and soldiers suffering PTSD. Today, a service dog can be trained for all manner of tasks.

• Recognizing the onset of seizures.

• Notification of blood sugar issues.

• Stability and many others.

But, the role of the modern service dog wasn’t really defined until the American with Disabilities Act of 1990. That particular law was written to prohibit discrimination based on disabilities, but it also defined the rights of service dogs.

The ADA defines service dogs (or animals) as being TRAINED to perform tasks for a person with disabilities. They are not just companions, though they also fill that role. Service dogs are caregivers, nurses, and assistants.

SERVICE DOG LAWS

Today, the role of “service dog” has broadened to the point that new laws are required. Whereas it was once understood, that a service dog was trained to execute a specific task, people will now try to take untrained animals into public access areas. These dogs are often for emotional support as opposed to being trained to perform physical tasks.

For those who have invested time and money in their trained? service dogs, this can present a source of frustration.

HOW TO LEARN MORE ABOUT TRAINED SERVICE DOGS

For anyone wanting more information on how to acquire a trained service dog or how you can train your own dog to become one, please feel free to contact us.

White Mountain College for Pets

(603) 536-4219

www.collegeforpets.com

office@collegeforpets.com

WWW.SanDiegoVeteransMagazine.com / August 2023 23

Shelter to Soldier Team and Service Dogs Attend National Service Dog Conference to Expand Reach of Services for Southern

California Veterans

Women led and women strong, the Shelter to Soldier team of four dog trainers, along with four psychiatric service dogs in training, recently traveled across the United States to attend the Association of Service Dog Providers for Military Veterans (ASDPMV) National Conference in Washington, D.C. Together, they attended classes on service dog legislation, training for veterans, donor and sponsor relations, and task training for psychiatric service dogs, among other topics. The conference featured roundtable discussions about various benchmarks in the service dogs for military veterans’ space, while providing the opportunity to network with over twenty different service dog organizations from around the US.

Shelter to Soldier Director of Training and Operations, Nicky Moore, shares, “The Shelter to Soldier team was honored to network with other organizations from around the country focused on the common goal of providing the highest standard of service dogs to our veterans. The collective knowledge shared amongst so many passionate individuals will surely prove to be invaluable in the mission to save more veterans and dogs.”

Graham Bloem, Cofounder and President, believes continued education “keeps our team and our program at the forefront of our industry, allowing us to continue to make the deepest impact in the lives of the veterans and dogs we are committed to support.”

For the dogs, it was an early ‘Dog Days of Summer’ vacation, with roundtrip flights from San Diego International Airport to Ronald Reagan Washington National Airport over the course of four days. Beyond gaining the valuable flight experience that will prepare them for service dog life with their veteran recipients, service dogs Dante - sponsored by The Boeing Company, and Murphy – sponsored by UNITE Hair, Libby – sponsored by Karen and Jeff Shabel, and Oliver – sponsored by the David C. Copley Foundation, had the opportunity to encounter many new friends along their journey. Their tails wagging, confident demeanors and obedient behavior prompted many smiles from fellow passengers and travelers.

Sponsored by donors Karen and Jeff Shabel, dog lovers and philanthropists, and inspired by the Shelter to Soldier training team’s commitment to continued

education, the voyage to Washington D. C. was equally a successful human training course and a successful public access training week master class. The four Shelter to Soldier service dog candidates attended daily conference classes tucked politely under their trainer’s chairs. After a day of learning, they took to the town in their service dog booties (shoes), visiting the Washington Monument, the Lincoln Memorial, The White House, and World War II Memorial. The dogs gained the support of worldwide travelers and inspired many veterans and service members to seek help during their time of need. The mission of “Saving Lives, Two at a Time” was modeled by our four-legged recruits who themselves have troubled pasts, at times touched by trauma, and who have been granted a greater purpose and brighter futures ahead after their adoption into the Shelter to Soldier program. Their own commitment to training, growth, and service a testament to their impact.

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Shelter to Soldier is a CA 501c3 nonprofit organization that adopts dogs from local shelters and rescue organizations and trains them to become psychiatric service dogs for post-9/11 veterans suffering from PostTraumatic Stress (PTS), Traumatic Brain Injury (TBI), and/or Military Sexual Trauma (MST). The program also places emotional support animals (ESAs) with active-duty military and veterans, and deploys the Shelter to Soldier Canine Ambassadors, a team of therapy dogs and their volunteer handlers to provide visits of love and comfort to local military, veterans, and their families. Veterans are provided service dogs through the Shelter to Soldier program free of charge thanks to the support of the community, individual donations and grants that make a life-saving difference for those served by the mission. Shelter to Soldier is pending accreditation with ASDPMV. https://www.sheltertosoldier.org.

@sheltertosoldier

To learn more about veteran-support services provided by STS, call 760-870-5338 or email veteranservices@sheltertosoldier.org for a confidential interview regarding eligibility.

WWW.SanDiegoVeteransMagazine.com / August 2023 25

THIS IS OUR CALL OF DUTY.

For nearly 70 years, Father Joe’s Villages has been taking care of the immediate needs of homeless Veterans, while also helping end their homelessness for good. Call 1-619-HOMELESS or visit

26 WWW.SanDiegoVeteransMagazine.com / August 2023
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For military veterans suffering from physical and psychological disabilities, recovery and healing can be challenging, particularly as it relates to their access to quality jobs, education, and other social functions. Yet, relief and assistance can be found in an unlikely place— the unwavering bond between human and animal. In 2012, Canine Support Teams, Inc. (CST) launched the Providing Assistance Dogs to the Brave Men and Women (PAWZ) program. PAWZ was established to address the increasing number of men and women who, after serving our country in the United States military, require a service dog. This program directly connects expertly trained service dogs with disabled veterans throughout the U.S. to support their personal, social, and occupational independence.

Since its founding in 1989, CST has served more than 300 veteran families in gratitude for their service to our country. At no cost to the recipients, CST trains service dogs to support disabled veterans who are seeking enhanced mobility, independence, and companionship. The CST staff and volunteers work hard to ensure that the average wait time to match a dog and client is only 12-18 months, as compared to the industry standard of three to five years. Whether their disability is obvious or invisible, CST is committed to helping veterans reclaim their independence.

The Service Dog Journey

Volunteer Puppy Raisers and professional CST Trainers spend two years raising, providing medical care, and expertly training dogs to assist qualified veterans with disabilities in their everyday lives.

For the first 18 months of the dog’s life, CST’s volunteer Puppy Raisers socialize the puppy with as many outings and experiences as possible (e.g., restaurants, stores, and shopping centers, using public transportation, processing through TSA security).

The exposure and experiences are critical in helping potential service dogs become confident, calm, and focused amid distractions while “on the job” with their future clients. Puppies also complete basic obedience classes under the direction of our trainers, receiving American Kennel Club Star Puppy and American Kennel Club Canine Good Citizen certificates.

Dogs then enter CST’s unique Prison Pup Program for Advanced Training, the longest-standing prisonbased service dog training program in the nation. In partnership with California Institute for Men and California Institute for Women in Chino, CA, CST Trainers work with carefully vetted Inmate Trainers on a weekly basis. Using Operant Conditioning, which places emphasis on recognizing and working with the dog’s temperament to motivate it to perform a given task, dogs learn the specific service dog tasks needed to support their veteran client (e.g., walking with and beside a wheelchair or walker, retrieving dropped items, turning lights on and off, opening and closing doors, pressing elevator buttons, pulling off socks and sweaters, and barking to alert for help in emergencies).

Upon completing Advanced Training, the dog is matched with their veteran-handler and intensive Team Training takes place at the CST facility in Murrieta, CA, over a ten-day period. The training covers obedience, public access, and task training, including Basic Service Dog and Public Access Laws (e.g., the Americans with Disabilities Act of 1990 and associated regulations), as well as the veteran’s rights with regards to their service dog and how to respond when questioned or denied access to accommodations, employment, housing and the like. Additionally, there are workshops on dog behavior, training philosophies and techniques; First Aid and health care for dogs; having a service dog in home and work environments; and integrating the service dog into the client’s daily life and his/her family life. Upon completion of the training, the dog and veteran will have passed the Assistance Dogs International (ADI) standardized Public Access Certification Test (PACT).

Throughout Team Training, CST staff (several of whom are veterans themselves) are sensitive to the physical and mental challenges the veteran clients face. Each trainer is patient, kind, encouraging, and supportive to ensure the best experience for each veteran client.

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A Lifelong Connection

The placement of a dog with a veteran is just the beginning of their journey. CST is honored to offer veterans complete access to CST’s expert training staff for the “working life” of their partner-dog. In the early is paramount to help acclimate the dog to their new environment and relieve any stress felt by the veteran, their family, and/or the dog. If there are ever any issues or concerns, CST trainers schedule a time for an in-person individualized training to get them on track. The CST staff often forms lasting relationships with their veteran clients and are thrilled to receive pictures and videos of the wonderful experiences the veterans are having with their service dog.

Client Spotlight

Michael Mileham was born in London in 1947. He immigrated to the U.S. in 1953 and would eventually serve in the Vietnam War. For his service and sacrifice, Michael was presented with three Purple Hearts, and is the only British subject to receive this solemn distinction. Upon return to civilian life, and thanks to the GI Bill, Michael enrolled in the LACC Film Program. He eventually started a production company that made documentaries, industrial films, and music videos. Michael has had a very successful, award-winning career working with artist like Dolly Parton, The Beatles, Elliott Gould, Michelle Pfeiffer, and the Monty Pythons, to name a few.

Michael became a member of the CST family in the early 2000s, and recently received his third service dog, Angel, through CST’s PAWZ program.

“Michael is grateful to Canine Support Teams for providing him with three beautiful service dogs. Each dog who has supported him have truly enriched his life,” says his wife Marilyn Mileham.

Now retired in in Joshua Tree, California, Michael, his wife, and Angel enjoy visiting art museums, photography, traveling, and getting out into nature. Angel has helped Michael to not only navigate each of his favorite activities, but also to enjoy the constant companionship his service dog provides.

To learn how you can assist Canine Support Teams through advocacy, volunteering, or financial support, visit www.caninesupportteams.org. If you are or know a veteran who may benefit from a service dog, please email cstmain@caninesupportteams.org.

WWW.SanDiegoVeteransMagazine.com / August 2023 29
“We take great pride in every dog that we are able to partner with a veteran in need,” says Carol Roquemore, Founder and CEO. “We are able to do this because of our generous donors, caring Puppy Raisers, and our hardworking staff and prison trainers.”
Michael & Angel Michael & PJ Nurse Dog Michael & Charlie
30 WWW.SanDiegoVeteransMagazine.com / August 2023 Whether your disability is obvious or invisible, Canine Support Teams can help you reclaim your independence. Canine Support Teams is proud to offer the PAWZ for Wounded Veterans program, which provides specially trained service dogs, at no charge , to the brave men and women who have faithfully served our country. caninesupportteams @k9supportteams Apply for a service dog today at www.caninesupportteams.org/pawz Or Call 951.301.3625
WWW.SanDiegoVeteransMagazine.com / August 2023 31 www.nextstepservicedogs.org

Paws for Purple Hearts improves the lives of America’s Warriors (Veterans and active-duty service members) facing mobility challenges and trauma-related conditions such as Post-traumatic Stress Disorder (PTSD) and Traumatic Brain Injury (TBI) by providing the highest quality assistance dogs and canine-assisted therapeutic programs; and by building public awareness about the important role dogs play in helping Warriors along the road to recovery.

At Paws for Purple Hearts, we train and place two different types of assistance dogs. Facility Dogs can be found in a VA, DOD, or similar office visiting Veterans to bring joy throughout a facility. They bring happiness and essential assistance to Veterans, enriching their lives and promoting greater independence. Service Dogs are trained specifically for a Warrior in-need. They provide crucial support and aid to those who require their unique skills and companionship.

We provide our dogs to Warrior recipients and their families, free of charge. This provides immediate and significant financial relief to the Warrior and to their Military Caregivers, as they are not burdened with bearing the cost of our Service Dogs in order to benefit from the services and companionship gained. This is a significant benefit given that it takes about $35,000 to raise a top-tier Service Dog. Our Service Dogs are also involved in programs throughout their training that help more Veterans other than the ones they are being placed with.

Canine-Assisted Warrior Therapy®

Canine-Assisted Warrior Therapy® is a unique therapeutic intervention. This Program focuses on creating opportunities for positive meaningful interaction with our service dogs in-training. Guided by our highly experienced Program Instructors, in partnership with professional therapists, Warriors get the chance to reinforce commands and behaviors that are vital for a service-dog-in-training. They regain a sense of purpose in accomplishing a critical mission - training a life-long service companion for another comrade. Through this program, each dog will positively impact the lives of 40 – 60 Warriors.

Social Therapy

Service Dogs

Our Service Dogs learn over 110 commands making them more than capable of serving the most demanding category of mobility impaired Warrior, a quadriplegiclevel patient. This provides the Military Caregiver dramatic respite and logistical relief because our dogs can carry out many routine, repetitive and physically demanding tasks that would otherwise have to be accomplished by the caregiver, including picking up dropped objects, retrieving items, opening refrigerator doors, assisting with undressing, switching lights and other devices on and off, opening and closing doors, providing assistance moving to and from wheelchairs, etc.

Social Therapy uses the unique skills of our Service Dogs in-training to bring comfort and joy while reducing stress in the lives of America’s heroes. Versions of these programs are developed for both Veterans and active-duty service members. Our trainers and dogs will travel directly to our Warriors for this therapy or we host it directly at our sites. This interaction is also very imperative to our dog’s training, as this helps them learn positive interactions and gets them comfortable with meeting new people.

A Warrior’s Journey

In 2004, Rosa Perez and her three children were stationed on a military base in Hawaii while her

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husband, Carlos, was fighting in Iraq. He had always dreamed of serving his country and embraced life with joy. As a first-generation American, he was so grateful for all the opportunities our country provides and wanted to give back. After re-upping his enlistment in the Army after 9/11, Carlos was in a convoy outside of Kirkuk, Iraq when an IED went off right under his Humvee. Returning home and burdened with severe PTSD, Carlos was struggling to find peace.

“The journey of Paws for Purple Hearts has grown beyond our wildest dreams,” says Selah M., Senior Program Instructor. “The more we’ve grown, the more Veterans we can help, and that’s the most fulfilling part of our mission. Our dedication and passion continue to drive us forward, knowing that our larger reach allows us to make a difference in the lives of America’s Warriors.”

The dedication and loyalty of our community and supporters keeps Paws for Purple Hearts growing in the right direction. You can find out how to get involved by volunteering or donating on our website, pawsforpurplehearts.org. Together, we can further their mission and positively impact the lives of Veterans and Service Members in need.

After years of suffering, hope appeared when Rosa heard about Paws for Purple Hearts psychiatric Service Dogs that could help people cope with PTSD. When hearing of how badly Carlos was suffering from PTSD, Paws for Purple Hearts told him to come out to San Diego and meet some of the dogs. He was immediately drawn to Service Dog Liberty right away, and the Golden Lab somehow sensed his pain and became the perfect companion to help him heal. With Liberty’s support, Carlos found solace, and his family saw a remarkable transformation. While we can never repay injured Warriors for their extraordinary sacrifices, we can show our gratitude by giving them the crucial support they need.

Community Involvement

In the span of the last five years, Paws for Purple Hearts San Diego has made incredible strides in delivering invaluable services to the community. Through their dedicated efforts, they have successfully conducted 1,900 hours of therapy, directly benefiting 219 Veterans and Service Members. What initially began as a modest Service Dog training program run by two instructors out of their homes has now blossomed into a 10,000+ square foot facility providing therapy programs and assistance dogs for wounded Veterans.

Paws for Purple Hearts started as a research program at the prestigious Bergin College of Canine Studies. Together with the Menlo Park VA Medical Center, Canine-Assisted Warrior Therapy® was founded, and our lifelong mission began. With continued success, we established as an independent nonprofit recognized on June 29th, 2011.

We are proud to celebrate 12 years of improving the lives of our Veterans and Active Duty Service Members facing mobility challenges and traumarelated conditions. Today, Paws for Purple Hearts has expanded to six facilities across the US, deployed 159 dogs, and directly improved the lives of 11,000 Warriors.

For more information or to donate please visit https://pawsforpurplehearts.org/

WWW.SanDiegoVeteransMagazine.com / August 2023 33

Successful Transitioning Stories

Little Angles Dog Training

Since this month is service dog theme, I was very excited to highlight Little Angles Dog Training. I have known the founder of this program for 20 years before she even started the facility, Katie Gonzales.

Katie always had a love for animals and training them. Whenever I was at Katie’s house she always had dogs, and I would say wow you are like a dog whisperer, she could train them in minutes and watch how well they would respond. It only made sense with such great skills with animals that she would create Little Angels Service Dog company, a full-fledged training facility and school that serviced not just people in San Diego her home base but soon all over the world.

She currently has a facility in San Diego, one in New Hampshire, and a long waiting list of people in need. Even more poetic Katie got married to a Navy man and became a mil-spouse and started to learn firsthand how our military men and women often needed a support animal when they transitioned out. And today they have helped countless people in need of service animals. In this article I’ll be focusing on the veteran side of their business but please know they serve so many in need and please check out their website. Katie’s programs even extend to autism assistant, hearing assistant, mobility, psychiatric, seizure, diabetic and even a prison program in helping prisoner reform. I can’t say enough about Katie and what she and her teams do to better the lives of so many people in need.

Katie how did you start Little Angels? I started out training pet dogs for people and the money I made from that I would then use to train service dogs for free for people who were disabled and the first one I did was for a boy who could not walk on his own and was made fun of at school by the kids. When he got this dog, he went from being made of fun to being the most popular kid in school. Dogs can create this amazing social bridge.

What differentiates your training from others?

We are 1 of 2 accredited organizations in the world that will train psychiatric service dogs for a civilian mostly this is for veterans dealing with things like PTSD. We are also the only accredited organization in the world that will train a psychiatric dog for a child.

Can I get set up with a dog right away? We have over 200 people on our waiting list from Israel, Ireland, England, Canada, and all over the US. I wish we could say yes, this is quick and easy but the need for service dogs is a big one, especially for our veterans

You mention that your dogs can even sense seizures, how are you able to train them for this?

So many people have seizures and epilepsy is much more common than people realize and when you have a family member, child or adult who have seizures one of the most common ways they die is in bed. And if you have someone in your life like this you get no sleep.

The way we train the dogs is like a game, we put a box with a treat in it as well with a gauze that has saliva from a person who has had a seizure. The dogs not only responded to this but started to alert the seizure patients ahead of time before it happened because they wanted to get the treat. This is changing peoples’ lives as the dogs can alert them minutes in advance even up to an hour in advance of a seizure.

How specifically have you helped veterans coming back from war?

We have had some great success with our dogs and vets, when someone comes back from war they can’t just go to Target and just walk around an isle and then hear a sudden commotion where maybe something gets knocked over but to them it sounds like something in their past and it triggers them. Having one of our dogs the dog can smell the anxiety coming on and they will start to paw at their owner to calm them down. They also provide deep pressure therapy which is like a weighted vest. Which also helps calm anxiety.

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It’s so tough for our veterans to come back with a disability that people can’t see. They assume they are fine and have no idea what they are dealing with but the dog can sense it and can provide support for our veterans dealing with anxiety, depression, PTSD, mobility issues, and seizures. And our dogs also provide great companionship as well.

Being a mil-spouse, I have firsthand accounts with my husband dealing with PTSD and this service is so important for our veterans and I am thankful I can use my passion to help them.

If in need of any of services of Littles Angels Dog Service, please visit her website. https://littleangelsservicedogs.org

Hear Katie speak on her passion and how she trains dogs to know when a seizure is coming www.tinyurl.com/Katie-Gonzales

Finding a job in the civilian world may seem easy at first. After all, you have learned skills, practiced leadership and demonstrated initiative that will make you successful wherever you go.

The reality, though, is that it can be difficult. In fact, it can be downright depressing, demotivating and you may feel totally disillusioned.

Veterans In Transition is dedicated to you and to helping you succeed in your transition.

For editorial & monthly columns regarding transitioning to business, career advice, tips, workshops, transition to education, entrepreneurship, straight-forward legal tips for Military and Veteran Business Owners and more visit Veterans In Transition at www.tinyurl.com/SDVM-Transition

For more help on active duty transition, education, and more click the link below www.synergylearninginstitute.org

WWW.SanDiegoVeteransMagazine.com / August 2023 35
VETERANS IN TRANSITION
out of the Military into the Civilian
Transitioning
Workforce? www.SanDiegoVeteransMagazine.com

WHAT’S NEXT

Transition to Civilian Life

The Cycle to Success

It all began in the 60s when a 12-year-old boy, proud owner of a Schwinn bike, asked his parents, “Can I ride across the US on my bike?”

After 50 years, the resounding answer is now “YES!” At What’s Next, we have the privilege of interviewing exceptional Americans who have served our country and those who have served them. This month, we are thrilled to introduce you to Scott Watson, a veteran and cyclist.

Putting the Pedal to the Pavement Scott, a Naval Academy graduate, served as a submarine officer. Currently, as in, actually now, he is on a bike ride across the U.S. We caught up with him (literally) in the middle of his tri weekly 55 mile bike ride. He pulled over on the side of the road to take our call to talk about transition and we know that you will be glad he did.

Scott’s military journey started with a desire to follow his older brother into the Coast Guard academy. However, his father suggested exploring the Naval Academy, which he found appealing. After graduating in 1983, he transitioned into the reserves after his submarine career.

Getting on the Right Path

Scott attributes his successful transition into the civilian workforce to transition classes he took and the professional contacts he developed while in the military. Seeking advice from those who had already transitioned proved beneficial. He sought out those who had transitioned out 3-5 years ahead of him for advice and it worked. He was recruited out of the military by Eastman (Kodak) where he was surrounded by patriots who appreciated the military and sought to hire veterans.

Beware of Bumps Ahead

But it wasn’t always this smooth. In contrast, Scott made a career move later to a small private equity firm where he was the sole military veteran.

He was called for a two week deployment which proved to be very disruptive for the company. He says, “Being in a super dynamic, high level, private sector role within a smaller company was a challenge as the company needed to back fill my role in my absence.” Having no contact with Scott during his two-week deployment, the company struggled! While the inevitable roadblocks will appear, it’s essential to have a mindset to be prepared and go the distance.

Scott offers a few key points to help you in your journey:

1. Be mission oriented. Go on the mission. Accomplish the mission. Leave it all on the field. Find what you want to do, and pursue it with no excuses.

2. Maintain your integrity. Between his Christian upbringing and military experience, Scott had a strong foundation. Companies hire workers they can trust when no one is looking.

3. Never bilge your shipmate. Take ownership of your own mistakes. Never let a shipmate get blamed for something you are responsible for. Don’t blame others for your shortcomings or failures.

4. Find a great network. Start with alumni associations, which consist of like-minded individuals who are eager to assist one another.

5. Try different things. Embracing new opportunities opens doors and helps you grow. Scott’s multiple career pivots, from big to small companies and startups to pharmaceuticals gave him the tools to be where he is today.

Going the Extra Mile! (Or, 3,423 Miles)

On the topic of trying new things, let’s get back to riding across the US on two wheels, powered by one’s own legs. We asked the quintessential burning questions.

Why? Scott says, “It’s been a lifelong ambition and I’m thrilled to say

36 WWW.SanDiegoVeteransMagazine.com / August 2023

that after 50 years of dreaming about it, I’m joining a few of my USNA brothers, and we’re going to just do it. Not only does it fulfill a lifelong personal dream, but it also supports a great cause.

Who are you supporting? They chose to raise funds for veterans through “Operation Heal Our Patriots,” a program that has helped over 1,500 couples overcome marriage difficulties.

www.navy-cycling.com

After presenting the idea to their organizer, John Hultz, they got the green light.

Their goal is to send 16 couples, equivalent to approximately $100k in funding. The program allows combat-wounded veterans to reconnect with their spouses and engage with other couples who have faced similar struggles in the Alaskan outdoors. With an impressive success rate of over 80%, the program has proven transformative for these couples. Now that’s something to ride for!

Where and when? Their journey begins in Whidbey Island, WA on August 22. 2023. They aim to arrive in Annapolis, MD on October 5, covering a distance of 3,423 miles.

If you are a post-9/11 veteran seeking assistance for marriage concerns, know that there is help available for you. To follow and support Scott and his team, visit www.navy-cycling.com or find them on the following social media channels:

Twitter: @navycycling83

Facebook: Navy ‘83 Ride Across America

Instagram: @Navy83Ride

YouTube: NavyCycling83

More information and QR Code on the next Page >

Questions, looking for resources or answers?

Reach out to Eve at: eve@bandofhands.com

www.linkedin.com/in/eve-nasby-given-hiring-expert

www.bandofhands.com

WWW.SanDiegoVeteransMagazine.com / August 2023 37
www.bandofhands.com
38 WWW.SanDiegoVeteransMagazine.com / August 2023 www.navy-cycling.com
WWW.SanDiegoVeteransMagazine.com / August 2023 39 www om Contact Eve Nasby, Band of Hands president and passionate military supporter to learn more. eve@bandofhands.com Medical benefits and 401K for your employees at no additional cost to you Compliance with employment Laws Unemployment claim handling Workers Comp claim handling D o M o r e . S t r e s s L e s s . If it's related to employment, we handle it for you. We also provide: We do all this for you for only $12/week per person usiness Freedom for Small Business Owners = ith Dogs! A Veteran Owned Business proudly supporting Veterans, Military Spouses and active duty Military looking for work and employers needing great workers. www.bandofhands.com Clover: Chief Muppet Faith:Chief HappinessOfficer eve@bandofhands.com www.bandofhands.com

Transition to Business HUMAN RESOURCES

Recruitment, Hiring, and Interviewing in the Private Sector: Some Tips and Guideposts

It’s always a good idea to revisit basic job search assumptions from time to time to ensure that you’re on top of your game as you transition from the military to the private sector. Keep these tips and strategies in mind when preparing to launch your job search.

But HR management jobs in casino hotels are projected to grow by 41 percent, while positions in apparel manufacturing are expected to decline by 37 percent over the next decade. You can find these and other industry trends on the Bureau of Labor Statistics’ Occupational Outlook Handbook website at www.bls.gov/ooh

• Resumes versus Job Applications

Resumes and job applications are two very different things. Read that: even though you have a resume, you will be required to complete an employment application at most organizations. Why? Because resumes can be “fudged”—written by others on your behalf with mistakes resulting—while employment applications are in your own handwriting with your signature attached. That’s important to employers because courts have held that resumes with misleading or inaccurate information can’t really be held against job applicants, whereas falsified employment applications can justify immediate termination—even if you’re three months into your new job and enjoying it tremendously. Confirmation of falsified information on an employment application (e.g., stating that you have a bachelor’s degree when you’re in fact one credit short) will force most employers to terminate a new hire, even if their performance has been exemplary. Honesty wins in the job search game, so avoid exaggerating or bending the truth.

• Salary History Bans

• Industry is King

Historically, the question was always, “What are you going to do when you graduate from school or transition from the military?” or “Which companies are you hoping to work for?” A more relevant question in today’s market might be, “What industries are you pursuing as you prepare to transition out of the military?” Why? Because industries can be incredibly hot or amazingly cold, and it’s important that you know what’s happening out there. For example, job growth for human resource managers will likely average seven percent over the next decade, which is higher than the five percent average for overall job growth between 2021 and 2031.

Salary history bans have been enacted in a number of states, counties, and cities that prohibit employers from asking candidates about their salary history or current salary. The purpose of these bans is to “blind the compensation scales,” reduce the impact of historical discrimination (i.e., where females only earn 83 cents to the male dollar), and close the gap between male and female salaries for doing comparable work in the same field. Even where salary bans are in place, however, employers are permitted to ask about your “salary expectations.” This way, they at least have a ballpark understanding of what a candidate’s salary expectations are.

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•Pre-Employment Testing & Assessments

Tests and assessments can add validity to a company’s selection process if they accurately measure skills, knowledge, or other factors that are essential to job performance. For example, many organizations include skills testing in the pre-employment (job application) phase for administrative support candidates in the form of Word, Excel, and typing tests. Similarly, drivers take road tests and chefs undergo cooking demonstrations. Aptitude assessments are designed to measure honesty and personality testing, which measures truthfulness and integrity. However, applicants who respond the way they believe the testing instrument “wants an answer” may distort the test’s results and inadvertently disqualify themselves. So always answer based on what you believe, not on what you assume the testing graders “want to hear.”

Dependability assessments attempt to measure a variety of indicators, including a candidate’s attitudes, practices, and values that are job-related. Note that aptitude and dependability assessments are rarely used as a sole basis for a hiring decision because assessments are more effective at identifying the nature of a problem rather than in calibrating the severity of a problem. Determining the severity of a potential problem is typically left to the reference checking process, where employers speak with prior supervisors to gain insights into a candidate’s strengths, abilities, and areas for professional development.

• Reference Checks

Forget Johnny Paycheck’s infamous song, “Take This Job and Shove It”—the real world doesn’t work that way. Maintain key relationships with your current and prior supervisors, as they will likely serve as your references over the next ten years. When a prospective employer wants to check your references, call your prior managers and give them a heads-up that you’d like them to “sponsor” you in providing a reference to a promising company where you’re currently interviewing. Likewise, always keep hardcopies of your performance reviews in a file cabinet or hard drive so that you can provide them to prospective employers as proof of your employment along with an assessment of your strengths, achievements, and areas for professional development. Prior performance reviews work especially well when a former manager isn’t available to speak with a prospective employer on your behalf.

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

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42 WWW.SanDiegoVeteransMagazine.com / August 2023 www.pitbullsnPearls.com Become a certified IT professional in 15 weeks with no prior experience necessary! Talk to our friendly veterans admissions counselor today! • GI Bill & MyCAA Approved • Flexible Schedule • Online & In-person Hybrid Classes • Small Class Size • Hands-on Training • Lifelong Job Placement and Career Counseling • Technical Support Specialist • IT Support Technician • Network Administrator • Network Analyst • Systems Administrator Why ICOHS College? Career Outcomes: The median IT job salary in the US was about $88,000 last year. READY TO TAKE CHARGE OF YOUR CAREER? admissions@icohs.edu (858)581-9460 www.icohs.edu
WWW.SanDiegoVeteransMagazine.com / August 2023 43 sandiego.edu/msscm

BUSINESS FOR VETERANS

How Consistent Do You Present the Business and YOU?

Dying has made Prince’s music even more popular now then when he was alive. What can we learn from this legend? Well, when it comes to marketing, it pays to build a buzz and then back that up by being the real deal. It’s important to get the word out about who you are and what you do. Prince did it through record releases, public appearances, concerts, interviews, and fan clubs.

Yeah, but that was Prince, you say. It was easier for him. Is he really that different than us? If we build a buzz about our business, position ourselves as a leader in our field, deliver quality products and services to our target market—and are promote-able and likeable, what’s to stop us from changing the world—or at least make our mark in our area of expertise?

By identifying and following a set of core values, you will have the foundation for the kind of visibility and credibility you want. From these values come the behaviors that create consistency, integrity and measurement for how you are doing as a business and business owner.

The most important step to positioning yourself in the market is defining yourself. This includes taking stock of your strengths, values, goals and personality to determine the personal messages you want customers to take away from their encounters with you.

When you have taken the time to be consistent to your targeted audience then:

1. You are perceived as an authority in your field, you gain credibility

2. Your performance brands you as highly experienced, talented, proven to get results.

3 Recognition starts to come from leaders in your domain and adds to your credibility.

4. You find ways to differentiate what you excel in.

5. You form alliances with those who are already perceived leaders in their domain.

You must be perceived as truly special, with attributes unique enough to create a strong and lasting market position, being consistent does that. Otherwise, when money is tight, consumers will make a necessary if unpleasant choice: They simply won’t look to you to fulfill their needs.

Few products or services are unique, you make them unique by looking at your strengths to create your competitive edge.

What strengths do you have that you can effectively capitalize on? When you have answers to the questions that apply to you, you must be able to deliver that information verbally and in all your written and hand out materials. Remember people want to know “what’s in it for them.” So what is the outcome and value you deliver; this is not the how, but the what, that will keep them coming back over and over again?

Barbara Eldridge has built a solid reputation as a Results strategies specialist, within industry and business over the past 40 years. Her unique message, since starting Mind Masters 30 years ago for entrepreneurs and small business owners, continually stresses vision, purpose and values as the key elements of business philosophy. www.mindmasters.com

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RISKY BUSINESS

Insurance Info & Risk Management Tips

Doggonit – Why Is My Insurance Going Up?

with financials and capitalization – to share the risk of claims. Typically, the Re-Insurance carrier is funding 40%-60% of claims. If the Re- Insurance companies decide that the risk in a certain area is too high, they will back out. That will in turn force the underlying carrier to pull out of the market because they cannot promise the shared capitalization needed to fund the expected risk.

Now I know that is all goobly-gook to many people but the bottom line is this:

The hot, sultry days of porch lemonade with friends, beach parties with S’mores, BBQ and pool parties always come to mind when I think of summer.

But what are the ‘Dog Days of Summer’ and what does it mean? It is widely accepted that the meaning derives from the Greek belief that the summertime months of July and August would bring drought, bad luck, unrest and extreme heat. With the rise of the star system Canis Majoris (Greater Dog) otherwise known as Sirius (in Greek - meaning scorching), which rises in the months of July and August, it makes sense that the Greeks would connect the Dog with the Summer months and connect the dots, as they are. We can see Sirius in the sky as our brightest star in the July and August months.

So, the ‘Dog Days of Summer’ does have a deeper meaning - and one we can relate to the rising cost of insurance many of us may be feeling these days. Because rising heat in the summer months brings an increase of fires, floods, landslides, angry tempers – that increases theft, homicides, rape, etc.

• If insurance companies find that any risk is too high, they will back out of a market or state. They may keep current policies but not accept new policies until the risk is lifted.

• If there is an imminent or current hazard (fire/ flood/earthquake/etc.) insurance companies will put a hiatus on writing new business in that area or for that risk.

• If your rates have /are increasing – this is not necessarily because of any action or claim you may have. This is likely because the insurance company has found that your industry or operations or location has had many claims and they have to consider you a higher risk.

• If your rates have gone up significantly, call your broker or agent and ask why. Make sure you let them know you are doing your due diligence to keep risks down (fire suppression, alarms, etc.) Have your Broker/Agent check alternate markets –maybe there is a better package out here for you.

• The rate of violence tends to double between JuneSeptember (SD County Policy Dept)

I get calls all the time about this. ‘Why are my insurance rates going up’ OR ‘Why is my insurance canceling me’? Here is a breakdown of the behind-the-scenes logic:

The Insurance business is a business to make money. There are many people involved projecting probable events and possible scenarios that dictate the risk factor for each category of risk. Insurance companies have ReInsurance Companies behind them to back them up

Sadly, significant climate change over the last 35 years has resulted in increased risk of flooding in many states, warming of the oceans which results in more hurricanes in the southern states (and future hurricanes in the Pacific), fire damage in the West and South-West areas and severe drought across many states. The risk factor is higher now and will only increase and insurance rates are likely to increase across the board in the future years.

If you have any Business Insurance questions, please reach out to me. www.hlinwood-insurance.com

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Franchise Frontline

Success Stories & Resources

Nick Lambie

Former Air Force Master Sergeant finds the Devil in the Detail at Ziebart

Whether you’re detailing vehicles or managing aircraft missions for the military, you’re going to need a keen eye for detail, a cool intellect, and a dedication to the craft. Luckily for former Air Force E-7 MSG Nick Lambie, he maintains all of those qualities and continues to use them as a franchise owner of Ziebart, a category leader in premium automotive appearance and protection services.

Lambie’s military background has heavily influenced his journey toward owning his own business. With a family history of military service, Nick was drawn to the Air Force and chose to enlist after touring an Air Force base while in high school. He served as a Command & Control Battlefield Management Operator and Surveillance Technician, managing airborne aircraft missions and supporting operations in Afghanistan, Iraq, and Syria. Nick’s experience also included supporting air movements over high-profile events, including Air Force One.

Nick left active duty in 2017 and, though he continues to serve for the New York Air National Guard, it was during this time that Nick started planning to open his own business. Alongside his twin brother, Mark, Nick was drawn to Ziebart, a franchise they had previously used and admired for its products and customer service.

“When I was looking for a different career, we saw Ziebart as an option because it was something that was missing, service-wise, in our home town,” Lambie said. “When we met the headquarters team, they were so passionate and even though some of them had been there 20-plus years, they had the same energy like it was their first day. That’s when we knew it was a great fit.”

Lambie opened his first location in Morgantown, WV in 2019 and has been off to the races ever since, even signing on to open a second location in nearby Bridgeport, WV. His military experience has played a

significant role in his approach to business ownership. He credits the Air Force with teaching him leadership skills, how to manage and mentor people, and the importance of paying attention to detail. He takes pride in upholding the same level of excellence in his business that he did in the Air Force.

“Both serving in the military and entrepreneurship are challenging in their own right,” Lambie said. “One of the many lessons I learned serving with the U.S. Air Force was to take care of those around you, and they’ll take care of you in return. That message sits at the core of why I got into entrepreneurship in the first place and it’s an honor to wake up every day and be able to provide Ziebart’s quality service to my community.”

Nick’s story is a shining example of how military experience can translate to success in business ownership. His passion for serving his community and providing the best possible service to his customers is a testament to his dedication to excellence.

About Ziebart

Founded in 1959, Ziebart International Corporation is the worldwide leader in premium automotive appearance and protection services that extend the life of vehicles. Ziebart operates over 400 locations, with 1,300 service centers, in 37 countries. Ziebart continues to grow and offers domestic and international franchising opportunities, a best-in-class investment for qualified prospects. For more information about Ziebart including franchise opportunities, please visit www.ziebart.com.

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WWW.SanDiegoVeteransMagazine.com / August 2023 47 ENROLL NOW AT WFW.ORG Workshops for Warriors is a nonprofit school that provides veterans and transitioning service members with hands-on training and nationallyrecognized credentials in CNC machining, CAD/CAM programming, and welding. Our students earn credentials that open doors to jobs anywhere in the U.S. Call us at (619) 550-1620. CAD/CAM Programming CNC Machining Welding DoD SkillBridge Organization BEFORE SERVED HONORABLY. AFTER EARNED A CAREER IN JUST 4 MONTHS.

legal Eagle

Straight-forward legal tips for Military and Veteran Business Owners

TOP 10 LEGAL MISTAKES SMALL BUSINESSES MAKE

In my extensive work with small businesses, I have found a number of common legal issues that come up over and over again. Here are the top 10 legal mistakes made by small businesses:

1. NO FORMAL INCORPORATION

Too many entrepreneurs fail to establish the right legal structure for their company. At some point, this will hurt you. If you haven’t created the right legal structure, you and your assets are open to personal liability when you are sued by a customer or employee. What to do: Consult with a business attorney who can advise on the best legal entity structure that will allow you to achieve your business goals.

2. NO SHAREHOLDER AGREEMENTS

When it comes time to sell the company or a founder leaves, a shareholders’ agreement governs the terms of the separation and the issued stock. Chaos will ensue without such an agreement. What to do: Have a business attorney draft a legal document that states how issues will be decided among shareholders and what happens to the shares if a shareholder departs, dies, divorces or other changes occur.

3. NO FORMAL HUMAN RESOURCE POLICIES

Small companies get into a lot of HR trouble because they do not have employee manuals or human resource policies in place. You don’t want to be surprised by a personnel issue that at the very least distracts from your business goals and could potentially shut down your company. What to do: Seek the advice of a business attorney and a human resource professional (or at the very least, professional software) to formulate human resource policies that fit your company.

4. INCORRECT CLASSIFICATION OF EMPLOYEES VS. CONTRACTORS

To save costs most small businesses hire independent contractors to perform work for the company. The rules that differentiate an employee from a contractor

are very specific, and if you classify either incorrectly you will be liable for back pay, back taxes, and penalties, to mention a few. What to do: Consult with an attorney on federal, state and IRS rules that determine the proper classification

5. NOT PROTECTING INTELLECTUAL PROPERTYPATENT, COPYRIGHT, TRADEMARK, ETC.

Many small businesses fail to take the necessary steps to protect their intellectual property until another company steps in and claims it as theirs. You may not be aware of everything you have that constitutes an asset of your company and how to prevent hijacking by someone else. What to do: Seek the advice of an attorney to do an inventory of the company’s intellectual property and to properly protect it.

6. NOT PROTECTING CUSTOMER AND EMPLOYEE DATA

Small businesses are at high risk of having customer and employee data stolen. It could occur inside the company by employees, through online transactions, website hacking and other incursions. You have both legal and competitive issues with the possible loss of sensitive customer data. What to do: Hire a really good IT company to secure the site and the data as well as building internal policies and modifications to protect customer data. Also, consult with an attorney on the applicable privacy and disclosure laws that govern this data.

7. NOT ADDRESSING APPROPRIATE PERSONAL USE OF THE INTERNET AT WORK

Small businesses can prevent employees from using the Internet at work for personal reasons. What to do: Block inappropriate sites to protect the company and other employees. Frequently monitor website usage of company computers for proper use. Also, consult either a human resource professional or attorney on how to prevent potential abuse of the site that could implicate you in a sexual harassment or creation of a hostile work environment. Both can produce lawsuits and financial penalties.

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8. INSUFFICIENT SCREENING OF OUTSIDE INVESTORS

Many small business owners bring in outside investors to support cash flow. They then have disagreements with the investors on how to run the company. The investors then threaten legal action. What to do: consult with an attorney prior to finalizing any such arrangements to document the appropriate role for any outside investor. And remember, the background and history of the investor is as important as how much money they bring to the company. Choose very carefully.

9. NOT REMITTING PAYROLL TAX (OR SALES TAX) TO GOVERNMENT AGENCIES

Small businesses must legally collect payroll and sales taxes. Not remitting these monies to government agencies will get you shut down with fines, fees, and penalties to follow. What to do: Use a payroll service to remit employer and employee taxes automatically. Set up a separate account for the collection of sales and use taxes and review quarterly.

10. NOT HAVING AN EXPERT SUPPORT TEAM

All small businesses should have a team of experts who work together to protect the business and position it for the future. All small businesses should have a business attorney and a tax professional. What to do: Hire your expert support team as part of the earliest set up of your business. It’s better to spend your money now and protect your business than spend hundreds of thousands just to lose your shirt later.

Becoming a business owner, you control your own destiny, choose the people you work with, reap big rewards, challenge yourself, give back to the community, and you get to follow your passion.

Knowing what you’re getting into is smart business because the responsibility of protecting your business falls on you.

For more information on how to legally start and grow 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

WWW.SanDiegoVeteransMagazine.com / August 2023 49 Legal Pearls! PEARLS OF WISDOM for Avoiding Business Litigation Award-winning attorney, Kelly Bagla shows you how to avoid legal pitfalls FROM DAY ONE! Legal Pearls! - The quick and easy guide for avoiding business litigation. Award-winning Attorney Kelly Bagla distills the legal information every business owner needs to know to avoid costly lawsuits and protect personal assets. Now every entrepreneur can apply the same legal steps and strategies used by top attorneys. • AVOID COSTLY BUSINESS LITIGATION • PROTECT YOUR HARD-EARNED ASSETS • BE READY WHEN LEGAL ISSUES ARISE NEW FROM KELLY BAGLA! Get your copy at amazon today! www.tinyurl.com/Legal-Pearls

Veterans Chamber of Commerce

BENEFITS OF INVESTING IN REAL ESTATE WITH FAMILY MEMBERS

THE NEW TREND

There is no doubt that real estate is one of the most popular and profitable investments that have a great deal of potential for success when done correctly. You don’t need any luck to win money in real estate; there is no magic formula. It’s all about studying a potential investment before making any decisions. Aside from that, you should also understand the short-term and long-term benefits of real estate if you want to succeed.

You Can Generate Passive Income

You can generate nearly tax-free passive income by investing in real estate. Even when you are sleeping, your rental properties will make money for you. Instead of spending all of your time working, you can purchase several rental properties that generate enough income to cover your expenses.

You Can Help Provide a Home for Others

One overlooked benefit of real estate investing, specifically residential real estate, is the pride in helping provide a home for others. Everyone needs a roof over their head, but not everyone has the upfront resources to purchase a home, which makes renting the only other option for them. We often hear about landlords shirking their responsibilities and making living conditions downright nightmarish for their tenants. By investing in residential real estate, not only are you helping house a family, but you’re ensuring that the family is housed in safe, healthy, clean, and fair conditions.

Appreciation Planning in Real Estate

Whether you are already in real estate investment or are just starting, you understand that real estate is not a short-term investment plan. On the contrary, the benefits of investing in real estate include the appreciation of capital assets (a.k.a. land) over time. In other words, your property’s value will be worth way more 30 years from now, hence why investors are in it for the long run.

Long-Term Financial Security

Owning a rental property can afford investors a sense of security because of the property’s appreciation in

value over time. This means that your property’s value is most likely going to increase because land and buildings are appreciating assets.

Invest When and Where You Want

Investing in real estate is a numbers game. It’s easier to pick and choose when you have an investing strategy to follow and an end game in mind. While you shouldn’t fall victim to ‘analysis paralysis,’ there’s also no reason to jump at the first deal that comes along. Instead, wait for an opportunity that makes sense, then seize the day by sealing the deal.

Equity Sharing Options with Family members

The equity sharing model is an increasingly popular way for investors to reap the rewards of investing even if their time or funds are limited. In such arrangements, new investors can team up with time-strapped investors who like funding smart deals. It may benefit any investor to participate in equity sharing. The ability to find excellent deals is incredibly valuable for those attempting to break into REI. There will always be dealfunders available for those who find deals. A situation in which two or more investors work together to afford, finance, and purchase an asset may be called equity sharing. Everyone involved in sharing equity has an interest in the property. Family members sometimes use equity sharing to help transition mortgaged homes to the next generation.

Equity sharing may be used to:

• Divide costs of property and improvements

• Divide all profits/losses

• Get people in on the same deal with minimal hassle

• Allow one investor to live in the home (with the goal of paying off the mortgage)

• Develop short or long-term plans for the asset

Nominate a Hero: The National Veterans Chamber Radio Show

• Would you like to share your story? Then, be our guest on the show — here is the REQUEST FORM. https://www.vccsd.org/radioshow.html

• If you have any ideas or a project that you would like to develop email us at veteransccsd@gmail.com

* Disclaimer: This is for informational purposes only and based solely on my personal experience. Make sure you contact a qualified Attorney to actually create living trust for your family.

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Real Estate Tips for Veterans & Active Military

Mortgage Broker vs Lender: Which Should You Choose?

As mortgage interest rates continue to climb, you may be wondering how to access the best rates available to finance the purchase of a new home. Should you go to a mortgage “broker” or “lender”?

First, the difference between a mortgage broker and a lender is that the broker is a liaison that helps coordinate a loan between the bank and the borrower. The mortgage lender is the financial institution that funds the loan which is why they are also referred to as the “direct lender”

There are pros and cons to working with each:

Mortgage Broker Mortgage Lender

Pros

Options and flexibility: Brokers do the legwork for borrowers to shop a variety of products.

Discounted rates: Brokers shop multiple lenders to find you the most competitive rates.

Convenience:

One application can be used for multiple lenders.

Cons

A limited network: Borrowers may miss out on offers if brokers don’t work with certain lenders

Additional fees: Brokers are compensated on a fee-based schedule which is added to your closing costs.

Pros

Familiarity and trust: Working with a lender you know may give you peace of mind.

Relationship based: Lenders may offer special products for existing clients. Better fees and processing: Lenders may have lower fees and faster approvals.

Cons

Limited selection: Buyers can only shop the products the lender offers.

Stricter underwriting:

Conditions for approval may be geared toward well qualified buyers.

Inconvenient: If you don’t qualify, you must restart the process with another lender.

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Real estate Guide
For more information on buying and selling your home, contact Michelle Muniz at michelle@jmxinvestments.com.
www.sdsellhome.com michelle@jmxinvestments.com

Serving Veterans and their Families!

The San Diego Veterans Coalition was organized in 2009 and using the Collective Impact Model, SDVC is a premier San Diego County-wide monthly convener of over 160 unique member and participating organizations, businesses, and agencies. The Collective Impact Model is based on leveraging relationships with other veteran and family serving organizations so that we may provide veterans and their families with a complete array of services and other opportunities.

The purpose of the San Diego Veterans Coalition (SDVC) is to serve the needs of San Diego regional Veterans, their families and significant others. We intend to improve collaboration and coordination among community service providers so that delivery of services is more comprehensive and Veteran Family-centric.

The vision of the SDVC is to honor the nation’s commitment to veterans, their families and significant others by leading collaboration among all potential partners, making the San Diego region a national model for a comprehensive, integrated system of community services.

The SDVC is a catalyst that inspires collaboration and cooperation among service partners to deliver premier support for Veterans in the San Diego region.

At the SDVC we have found that collaboration is the key to addressing the needs of San Diego Veterans, their families and significant others. We have four Action Groups:

• Physical and Emotional Health Action Group (PEH)

• Family Life Action Group (FLAG)

• Veterans: Empowered, Successful, and Thriving Action Group (VEST)

• Education, Employment, Entrepreneurship Action Group (E3)

Through these Action Groups we are identifying gaps and creating measurable outcomes to resolve them. These groups are made up of our members and together we are working to strengthen our community.

www.sdvetscoalition.org

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SAN DIEGO VETERANS COALITION COLLABORATING TO BETTER SERVE OUR COMMUNITY’S VETERAN FAMILIES COMMUNITY • COLLABORATION • COOPERATION FOLLOW US ON SOCIAL MEDIA @SDVeteransCoalition @sd_vc @SDVetsCoalition www.sdvetscoalition.org LIVE WELL SAN DIEGO COUNTY OF SAN DIEGO HEALTH AND HUMAN SERVICES AGENCY
www.sdvetscoalition.org

Welcome to the Veterans Association of North County

HERE FOR YOU WHEN YOU NEED US

Here you will find several resources, programs, services and opportunities for Veterans, Service Members and their families. Our goal is to be your one stop shop for all things, so don’t hesitate to contact us at any time. Programs and services vary, and include additional information for each. We have two Veteran Services Representatives (VSR) here at VANC, read all about them below in Addtional Services at: (www.vanc.me/services-programs)

OUR MISSION

VANC is a 501(c)(3) non-profit organization created and operated by Veterans as a one-stop resource center for all active-duty military, Veterans, and their families. We centralize services from diverse agencies to assist with jobs, education, finances, health, and wellness.

OUR VISION

We seek to honor and support those who have served our country, bridging the past, present, and future. VANC is a vibrant gathering place in North San Diego County, where all Veterans, active-duty military, and their loved ones can reach out for help and community. VANC engages and informs local Veterans organizations, service providers, and individuals, helping them work together. VANC seeks to be a model for other organizations that serve the military community.

JOIN US FOR AMAZING UPCOMING EVENTS

There’s always engaging things happening at VANC and with our partners. Check our calendar here for regularly scheduled events, meetings and opportunities here at VANC (www.vanc.me/events#calendar)

WE LOVE OUR ASSOCIATION MEMBERS AND THEY’RE HERE FOR YOU TOO. VANC is open to all military, veterans and friends of the military. If you would like to become a Veterans Association member, Contact Lori at lori@vanc.me to learn more.

www.vanc.me

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WWW.VANC.ME

VETART currently operates a 5,000 sq ft, state-of-the-art, professionally equipped school of Ceramics and Glass studio space in Vista, California, and provides MFA-level instruction to participants. Encouraging the “see one, do one, teach one” VETART hosts an environment where the veteran community can build their communication, skills, and techniques.

While VETART has a long list of accomplishments to be proud of, Executive Director and Founder, Steven Dilley, remains most proud of the space he has fostered for the community. There is no other program providing the services, connections, or support as VETART.

STUDIO CLASSES

VETART currently hosts three ceramic classes a week; classes include art therapy, hand-building, and ceramic wheel instruction. Classes are completely free for not only veterans but also for active-duty military personnel, family and spouses of military members and veterans, veteran caregivers, and first responders.

Jill Brenegan, VETART’s Art Therapist, hosts Mosaic Tile Art Therapy. Bill Warehall who teaches glass Casting, while David Pirl and Steve Dilley teach ceramic hand building and wheel workshops. Classes are suited for all skill levels and instruction is as hands-on or off as participants wish.

In addition to classes, participants are welcome to utilize the studio for their individual art practice. It is common to see artists sculpting, glass casting, and painting.

It is a great space for veterans to decompress, socialize and make messes.

Maria Ysela Galvan, an Army veteran, has been going to the studio since 2019, “The studio is a place for me to socialize and make things I didn’t even know I could. Putting your mind into making art is very healing for the body.

During the calendar year of 2023, VETART has hosted several “Pop-Up Art Cafés” throughout California. These shows feature veteran artists of many mediums and provide them with a space to display and sell their work while connecting with our veteran artists in their area.

The Pop-Up Cafés are designed to engage in dialogue, foster networking, and speak directly to the unique experiences and mental health challenges of the extended Veteran community in these challenging times.

VETART is currently preparing for its large statewide event which will be hosted on the State Capital Grounds in Sacramento. This event is aiming to remind policymakers of the importance and impact art has in many veterans’ lives. As a population that struggles with mental illness and suicide, art can be a healing and empowering force for the community.

The event will be on October 17th, 2023, from 10 AM to 4 PM, State Capital Grounds 13th St & N St. West of the Veterans Memorial, Sacramento, 95814.

There will be displays, artwork, workshops, and music. All are welcome to attend!

POP-UP ARTS CAFE

Partnered with the Mental Health Services Oversight & Accountability Commission (MHSOAC), a California state agency, VETART is completing the third year of its statewide arts campaign.

“The pop-up cafés are awesome. I have done several and I have loved everyone. I get to show my art, network with other artists, and get exposure. Also, they allow people to come support veteran artists directly. I am looking forward to displaying my art on the state capitol steps!” - Reginald Green

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The Veterans Arts Project (VETART) is a community-based organization serving Veterans, Active Duty, Spouses, dependents, their caregivers, and the community through process-driven, Deep Arts Engagement, D.A.E.(c), and Art Therapy.

DoD SKILLBRIDGE LOCATION

To assist transitioning servicemembers gain civilian experience in the world of art, public health, and nonprofit management, VetArt is a proud host of a DoD SkillBridge location. Since its induction into the program in the winter of 2022, they have already hosted four interns – two former Airmen and two Sailors.

Unlike many rigid programs that are currently offered to servicemembers through this program, VetArt allows its interns to shape their experience to fit their goals and desire with only one set-in-stone rule – practice art making. Dilley is a true believer in wellness through art and he wants his interns to share that passion with him throughout their time with VetArt.

For one intern, their time at VetArt was dedicated to launching their creative brand and developing their artistic practice. With the goal of making art their livelihood following retirement from the Airforce, VetArt not only provided them with a space for art creation, but also assisted in forging connections, developing branding, and providing opportunities for exhibits.

Participants

Current participant, Mateo M. - USMC Veteran,.

“After hearing about VetArt through several presentations, and events across the veteran resource community. Such as, SDVC, PEH, and stand-down. I decided to attend a Raku open house to learn more. At the event I was greeted by my peers, (other veterans) all of which were eager and willing to help me get started. They provided me with a pot to glaze for the event. So, I could participate without having ever completed a piece before.

I enjoyed my first experience so much that I committed to visiting the studio every Saturday. Since my first Raku night, I have learned (from instructor David & volunteers) how to make my own ceramics using the pottery wheel.

What I have enjoyed most about my time at Vet Art is the freedom to express myself creatively while learning something new. Working with the clays allows me to be more present, patient and accepting of my mistakes. Trusting that I will improve through consistency.

I can’t express my gratitude enough for the program, staff, and space. Thank you for all that you do!”

For more informatio: (760) 295-0799

info@vetart.org

WWW.SanDiegoVeteransMagazine.com / August 2023 55

Legally Speaking

Military Focused Family Law Facts

Child Custody and Visitation: What Happens When One Parent Wants to Move Away

Move away requests or a request to relocate with a minor child can present challenges for both families and the Court. Move away requests can be highly contentious and exhaustively litigated. It is often a very emotional and complex issue; particularly when parents have shared custody of a child. The rights of each parent in move-away situations depend on the current custody arrangement. A parent with sole physical custody of a child has the presumptive right to change the child’s residence, subject to the court’s ability to prevent a relocation that would “prejudice the rights or welfare” of the child. The custodial parent does not have to show that the move is “necessary,” assuming the parent is moving in good faith. When making a determination with regards to a move-away order, the court must consider whether the relocation is in the best interest of the child. If the other parent can show that the relocation is detrimental to the child, they may request a change in primary physical custody based upon your request for a move-away.

The Courts will look at a number of factors in determining whether to grant the move away. These are known as the LaMusga Factors. These factors are as follows:

(1) the distance of the move: The Court will consider how far away the parent wants to move with the child as it can impact how frequently the other parent can see the child depending on how far the child or parent has to travel and what those travel costs may be.

(2) age of the child: The court considers the age of the child as younger children have different developmental needs than older children. Older children generally have established bonds that may be able to withstand longer absences.

(3) the children’s interest in stability and continuity in the custodial arrangement: The court will look at the current custodial schedule and how the move will impact that schedule.

(4) the children’s relationship with both parents: The Court will look at how bonded the child is to both parents and whether extended periods of time away from one parent would be detrimental to the child.

(5) the relationship between the parents: This includes but is not limited to their ability to communicate and cooperate effectively and their willingness to put the interests of the children above their individual interests. The focus of this factor is essentially the parents’ ability to co-parent. The Court will look at whether the moving parent is likely to foster a relationship between the child and non-moving parent.

(6) the wishes of the children if they are mature enough for such an inquiry to be appropriate: If a child is at least 14 years of age they can state a custodial preference under the law. If a child is under the age of 14, the Court has discretion to determine if the child is mature enough to inquire as to their preference which is determined on a case-by-case basis taking into consideration both the age of the child and their maturity for their age.

(7) the reasons for the proposed move: The court will look at whether the moving parent has a valid reason to move other than looking to get away from the other parent. This includes but is not limited to whether they have a job offer where they wish to move, family support, if there is a lower cost of living, and educational opportunities.

(8) the extent to which the parents currently are sharing custody: The Court will look at whether the parties

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share joint custody or whether one parent has primary custody. If the parents are sharing custody where a child is seeing each parent equally during the week, a change to that routine due to a move away may be more detrimental than to a child who is only seeing the other parent on alternate weekends.

These are not the only factors a court will consider. Courts will also consider other factors such as the social impact of the move on the child and impact on the child’s education. Thus, the court will consider the impact of removing the child from his or her established social circles, community, and friendships. The Court will also examine how the move impacts the child’s educational needs. Is the child being removed in the middle of the school year? If the child has special needs, can the child obtain the same educational support if moved? Is the child a junior being moved across the country for his/her senior year? These are all examples of the kinds of issues the Court considers in its analysis of what is in the best interest of the child.

Given move aways are typically an all or nothing issue, it is not uncommon for a move away request to go to trial. Move-away can be difficult to obtain if both parents want to be and have been involved in their child’s life. It’s best to consult a family law attorney if you desire to relocate with your child.

For more information about misconceptions about divorce, check out our website: www.frfamilylaw. com or call (858) 720-8250 and ask to speak with military family law attorney Tana Landau.

This article is intended only for informational purposes and should not be taken as legal advice.

WWW.SanDiegoVeteransMagazine.com / August 2023 57 Legal Experts with Humanity Time for a Fresh Start. Call 858-720-8250 or visit www.frfamilylaw.com to schedule a free consultation. Flat-fee law packages available. Military Divorce and Retirement, 20/20/20 Spouse, Survivor Benefit Plans, Support Orders, and more. No nonsense. No hidden fees. Discounts for service members. Move forward without breaking the bank. Our military expert family law attorneys are ready to push your case to the finish line.

Opportunities in Law Enforcement

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.

58 WWW.SanDiegoVeteransMagazine.com / August 2023
www.rva.gov/police/personnel www.rva.gov/police/personnel
WWW.SanDiegoVeteransMagazine.com / August 2023 59 Veterans! Join Our Team CHANGE Be the SFPD Salary $103,116 - $147,628 TEXT “JoinSFPD” to (415) 704-3688 www.JoinSFPD.com

SDPD Ride Along: A Story of Two Marines

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.

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.

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.

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.

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Officer Sean Bunch Officer Mark Wright

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.

Continued on next page >

WWW.SanDiegoVeteransMagazine.com / August 2023 61

“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.

SDPD Ride Along

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For more information visit www.joinSDPDnow.com or email us at SDPDrecruiting@pd.sandiego.gov SDPD NOW HIRING
Officer Sean Bunch - Amber Robinson (SDVM) - Officer Mark Wright
WWW.SanDiegoVeteransMagazine.com / August 2023 63 www.joinSDPDnow.com SDPDrecruiting@pd.sandiego.gov

From Navy Sailor to San Francisco Police Officer

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.

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“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 Cindy
Ovares

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

WWW.SanDiegoVeteransMagazine.com / August 2023 65
66 WWW.SanDiegoVeteransMagazine.com / August 2023 JoinCDCR.com
WWW.SanDiegoVeteransMagazine.com / August 2023 67 JoinCDCR.com
www.SanDiegoVeteransMagazine.com San Diego Veterans Magazine A Veterans Magazine by Veterans for Veterans Resources Support Transition HEALTH Community Voted 2020, 2021 & 2022 Best San Diego resource, support magazine for veterans, transitioning military personnel, active military, military families & veteran organizations

Articles inside

From Navy Sailor to San Francisco Police Officer

2min
pages 64-67

SDPD Ride Along: A Story of Two Marines

5min
pages 60-63

Opportunities in Law Enforcement

1min
page 58

Legally Speaking Military Focused Family Law Facts

3min
pages 56-57

Welcome to the Veterans Association of North County

4min
pages 53-55

Veterans Chamber of Commerce

5min
pages 50-52

TOP 10 LEGAL MISTAKES SMALL BUSINESSES MAKE

4min
pages 48-49

Franchise Frontline

2min
pages 46-47

RISKY BUSINESS

2min
page 45

BUSINESS FOR VETERANS

2min
page 44

•Pre-Employment Testing & Assessments

1min
pages 41-43

Transition to Business HUMAN RESOURCES

2min
page 40

WHAT’S NEXT Transition to Civilian Life

3min
pages 36-39

Successful Transitioning Stories

4min
pages 34-35

THIS IS OUR CALL OF DUTY.

8min
pages 26-33

Shelter to Soldier Team and Service Dogs Attend National Service Dog Conference to Expand Reach of Services for Southern

2min
pages 24-25

THE HISTORY OF SERVICE DOGS

2min
page 23

CAREGIVING TLC

1min
page 22

‘Dog Days’ of Summer

1min
page 21

DOG DAYS OF SUMMER

1min
pages 20-21

The Power of Pets: How Animals Can Improve Mental Wellness

4min
pages 18-19

The Anatomy of Avoidance in PTSD:

2min
pages 16-17

Army General and Physicist Helped Usher in the Atomic Age

2min
pages 12-15

You Could Get 25,000 Bonus Points on Back-to-School Purchases

6min
pages 3-11
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