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HPRC Fitness Arena: Family & Relationships
Identity theft is a serious crime that can completely disrupt your life through credit card charges and ruined credit history if the theft is not caught quickly. So, what is identity theft? It’s what happens when someone assumes your identity by using your personal information or property—typically your Social Security number or credit cards—without your permission. According to the Bureau of Justice Statistics, there are three general types of incidents:
- Unauthorized use or attempted use of existing credit cards
- Unauthorized use or attempted use of checking accounts
- Unauthorized use or attempted use of personal information to get credit cards, accounts, or loans or to commit other crimes
Homes unoccupied for extended periods may be goldmines for thieves to dig through trashcans, dumpsters, or storage areas at homes or apartment buildings for documents with useful pieces of information. Or it may be as easy as stealing a credit card from your mailbox or directly from your wallet.
When getting ready for deployments, you can place an active duty alert on your credit reports that lasts for one calendar year. For more information and tips, review the Federal Trade Commission (FTC) handout for Warfighters and their families.
Pre-deployment can mean a number of things to a Warfighter, from intense training or drills to saying farewell to family and friends. Preparation for deployment can be over months or at a moment’s notice with little or no time to settle your affairs. It’s important to have a checklist and contact list ready to use prior to your departure so you’re ready, whatever the scenario.
Having your personal finances in order should be a high priority. Options for being ready might include contacting a financial advisor, setting up automatic deposits and withdrawals, creating a monthly budget, checking into over-withdrawal options, adding a close friend or family member to your account to act in your absence, and reviewing your financial information and account numbers with a responsible person. Once all your financial ducks are in a row, your finances will be easy to maintain.
Your checklist should also include items such as legal documents, personal property review, auto and home insurance and maintenance, medical information, and international phone coverage.
The Air National Guard has launched a new resiliency resource—Ready54—designed for Airmen and their families. The website provides centralized information about the ANG, resiliency resources, and help finding the closest Wing Director of Psychological Health, Chaplain, or Family Readiness Program Coordinator. You can also submit ideas for articles and videos. Why “Ready54”? The Air National Guard motto is “Always Ready, Always There,” and the program provides resources for all 54 states and territories.
The Air Force recently launched a new website to support pregnant Airmen: Pregnancy A to Z. It provides information from real parents and physicians through videos that provide tips for the first trimester all the way through to delivery and post-partum. Check out the exercise library too—keeping fit while you’re pregnant is essential for a healthy pregnancy and an easy recovery. And the site isn’t just for moms. Dads-to-be will find helpful information as well.
One of the top personal sources of stress for Warfighters (according to a 2011 DoD survey) is money. Not enough money, not enough savings, or a bad credit history—all contribute to financial stress. For information and ideas on budgeting and saving money, check out this recent HPRC article. Another tool in your financial arsenal is the credit report. But first: What is a credit report?
A credit report is simply a record of your credit history. It includes your name, social security number, home address, credit cards, loans, collections, open amounts (how much you owe), and whether you have paid your bills on time (if late, it shows how late: 31-45 days past due, 46-60 days past due, etc.). In fact, you have more than one credit report; there are three major ones, so you need to pay attention to them all.
It’s important to have good credit reports—they have the information businesses look at to determine if they want to do business with you. This means if you apply for a credit card or loan, (1) are you worthy to get credit; (2) if you qualify, then what would the interest rate be; and (3) for an interest-free credit card or loan, what would the payback period be.
A number of businesses look at your credit reports: credit card companies, banks, mortgage lenders, cell phone companies, and even your insurance company. Employers can look at your credit history as well, but they must ask for your permission first.
It’s important to look at your credit reports for accuracy, especially with identity thefts, and to review the list of open credits that you may no longer use. Open credit is open credit—it can limit you in the long run because creditors know you have open lines of credit to use. The great news is that you can ask for a free credit report every 12 months from each of the three major companies, thanks to the Fair Credit Reporting Act (FCRA). Visit the Federal Trade Commission’s (FTC) website to see how to get your free credit reports.
Operation Live Well is a new wellness campaign by the Department of Defense that aims to make healthy living the easy choice and the norm for service members, retirees, DoD civilians, and their families. They point out resources for how to eat better, stay physically active, quit or avoid tobacco, and stay mentally fit. The educational, outreach, and behavior-change initiatives provide tools and resources to help you learn about healthy lifestyles. You’ll also be able to develop your own personalized health plan via the Operation Live Well website soon.
A second part of Operation Live Well is their Healthy Base Initiative (HBI), which aims to help the defense community reach or maintain a healthy weight and avoid tobacco use. Scheduled for launch during the summer of 2013 at 13 military installations and DoD sites worldwide, HBI will offer a range of installation-tailored, health-related programs that will be measured for their effectiveness. The programs that are most successful will eventually be expanded to other installations.
For more information on Operation Live Well, visit militaryonesource.mil/olw.
Are you a professional who would like to know more about the evidence behind a program that you are thinking about using with military families? Or are you a military family member currently participating in a program you want to find out more about? Check out Pennsylvania State University’s Clearinghouse for Military Family Readiness. HPRC’s Answer describes this program and the services it provides.
Good oral health means more than just brushing your teeth. Flossing and brushing your teeth at the gumline, contact areas, tongue, and any trouble areas your dentist or hygienist has pointed out—plus brushing after sugary snacks or beverages—are all important to good oral health. According to the Army Public Health Command, poor oral health can negatively impact training, mobilization, and operations. Visit the American Dental Association’s (ADA) Mouth Healthy website for more oral health information, tips, and news for adults and children.
The purpose of the 2011 Department of Defense Health Related Behaviors Survey of Active Duty Military Personnel (HRB) is to assess the health practices of active-duty service members. Substance abuse, mental and physical health, and lifestyle choices are important matters, especially when you need to be at your best for the demands of military life. Certain areas of this study directly affect human performance, and results (as reported in the Executive Summary) show that health behaviors vary between services.
Physical Activity/Body composition
Here are some figures from the Physical Activity/Body Composition portion:
- Overall, service members have lower rates of obesity (as defined by BMI) compared to the general public.
- More than one-third of active-duty service members age 20 and older were considered to be at a healthy weight, which exceeds the Healthy People goal as well as civilian population estimates.
- 75% of active-duty members practiced moderate to vigorous physical activity in the 30 days prior to the survey, with Army and Navy personnel having the highest rates.
- Almost half of service members do strength training three or more days a week.
Physical health and fitness are key components to optimal fitness. While these numbers are encouraging, there is no doubt that a larger portion of the military should be at a healthy weight and fit enough to fight. Make fitness and weight management your priority for performance.
- Only 40% of all active-duty personnel surveyed get the recommended seven to eight hours of sleep per night.
Sleep is an important factor in recovery. Poor sleep habits can take a physical and mental toll on your health, your relationships, and your performance.
Tobacco and alcohol
One area where the military could improve is in the use of tobacco products and alcohol:
- Almost one-quarter of service members reported smoking a cigarette in the 30 days prior to taking the survey, which is higher than the civilian population and the Healthy People objective.
- Smokeless tobacco use is also prevalent in the military with 12.8% of all service members using smokeless tobacco in the month leading up to the survey.
- Rates of binge drinking were higher in the military than in the civilian population and more prevalent in the Marine Corps than in any other branch.
Tobacco in any form is detrimental to your health. If you’re thinking about quitting smoking or would like to talk to someone about your alcohol use, there are lots of resources and professionals that can help you achieve your goal.
Stress and mental health
After more than a decade of ongoing war, troops have—and will continue to experience—significant mental stress as a result of their service. In general, 5-20% of service members reported high rates of anxiety, depression, PTSD, and/or other mental health concerns.
- The most common military-related sources of stress were being away from family and friends and changes in workload but included financial problems and family members’ health problems.
- Women reported experiencing personal sources of stress more often than men did.
- Those who drank heavily were more likely to report problems with money and relationships.
Drinking, smoking, overeating, and even attempted suicide are all negative coping factors when dealing with stress. The survey found that the most effective methods of coping were planning to solve problems and talking with friends or family members. Find out how to use productive and effective methods for coping with stress and mental health.
Nutrition and dietary supplements
Being fueled to fight is an important component for anyone in the military. Proper nutrition requires consuming healthy—and avoiding bad and potentially harmful—foods and beverages.
- According to the survey, active-duty personnel eat too many unhealthy foods such as snacks, sweets, and sugary drinks and not enough of the recommended servings of fruits and vegetables.
- More than one-third of personnel reported daily dietary supplement use.
What you decide to put in your body now may affect your performance and your career later. For more information on nutrition for combat effectiveness, read Chapter 15 of the Warfighter Nutrition Guide. And make sure you know what you’re putting into your body. Dietary supplements are not subject to pre-market approval by the FDA, and there are many ingredients that may do more harm than help. You can learn more about dietary supplements at Operation Supplement Safety. And for more information about the Health Related Behavior Survey, visit TRICARE’s webpage.
We all know the importance of communicating with our kids, but sometimes it’s hard to know what to say—particularly around issues such as sex, tobacco, alcohol, and drugs. Healthfinder.gov (from the U.S. Department of Health and Human Services) has tips for how parents can talk to their kids about:
- Healthy relationships
- Tobacco, alcohol, and drugs
Having open communication lines with kids and teens is important for healthy development. For more information on maintaining or strengthening your family check out HPRC’s Family & Relationships domain.