Latest / Military Real Estate Rookie Show / Veterans Day Beyond The Parade
Transcript
- 0:00SPEAKER_00: Hello, everyone.
- 0:01SPEAKER_00: Welcome to the Military Real Estate Rookie Show.
- 0:04SPEAKER_00: I'm glad that you can join us today.
- 0:07SPEAKER_00: This episode is very special to me because I want to honor our veterans, right?
- 0:13SPEAKER_00: I'm your host, Rena Barron, retired United States Army, and I want to thank you guys for just serving your country.
- 0:21SPEAKER_00: Today is very special because we're taking a moment to honor our men and women of the United States Army, Air Force, Marine, etc., all our services.
- 0:33SPEAKER_00: Happy Veterans Day.
- 0:34SPEAKER_00: Today I want to speak directly to my veterans.
- 0:38SPEAKER_00: I want to show you guys that you do matter.
- 0:42SPEAKER_00: And the military families who stood beside them, the spouses who held them together, the children who grew up with parents leaving serving their country, who understands that military service is more than putting on a uniform, it's sacrifice.
- 0:59SPEAKER_00: It's about commitment.
- 1:01SPEAKER_00: It's about discipline.
- 1:03SPEAKER_00: it's about showing up even when things are very difficult, and it's about serving something bigger than you.
- 1:11SPEAKER_00: So I spent 35 years in the United States Army, 35 years of experience, 35 years of challenges, leadership, deployments, assignments, lessons, friendships, you know, memories that will stay with me for the rest of my life.
- 1:30SPEAKER_00: When you serve that loan, the military becomes more than a job.
- 1:35SPEAKER_00: It becomes part of you, who you are.
- 1:37SPEAKER_00: And when you retire, you may take off the uniform, but you don't take off the lessons, the learned, the lessons that's learned.
- 1:46SPEAKER_00: Today I want to talk about what Veterans Day means, the sacrifices that often go unseen, and the transitions into civilian life, financial woes, readiness, home ownership, and why we should continue supporting veterans long after the celebrations are over.
- 2:06SPEAKER_00: So whether you serve four years, 20 years, 35 years, or somewhere in between that, we want to thank you.
- 2:14SPEAKER_00: We want to thank you for your sacrifices.
- 2:17SPEAKER_00: Okay?
- 2:17SPEAKER_00: So what Veterans Day really means, let's start with the meaning of Veterans Day.
- 2:22SPEAKER_00: I give you guys a good, uh, a quick little synapses of what Veterans Day means, right?
- 2:27SPEAKER_00: Veterans Day is observed every year on November 11th.
- 2:30SPEAKER_00: It's a day set aside to honor all our American veterans who served in the United States.
- 2:35SPEAKER_00: And I want to make an important distinction.
- 2:38SPEAKER_00: Veterans Day honors who served.
- 2:41SPEAKER_00: Memorial Day honors remembers who died while serving in the military.
- 2:46SPEAKER_00: So let's make sure that you guys understand that.
- 2:49SPEAKER_00: But both days are very important because they served, but they served different purposes.
- 2:55SPEAKER_00: So Veterans Day is an opportunity to recognize the men and women who answered the call.
- 3:01SPEAKER_00: And whether they served during a wartime or a peacetime, they served.
- 3:06SPEAKER_00: Some served for a few years and some served for a long time.
- 3:10SPEAKER_00: Some served overseas and some served here at home.
- 3:14SPEAKER_00: We just want to thank them for their sacrifices.
- 3:17SPEAKER_00: And some returned and from service and transition and into civilian careers.
- 3:23SPEAKER_00: Others continue serving throughout government work, you know, public service, education, businesses, and their own community.
- 3:32SPEAKER_00: But every veteran has a story.
- 3:34SPEAKER_00: And sometimes we don't know that story simply because, you know, we're looking at it right now on Veterans Day.
- 3:42SPEAKER_00: You may be standing in line at a grocery store next to a veteran.
- 3:46SPEAKER_00: You just never know.
- 3:47SPEAKER_00: They may not be in uniform.
- 3:48SPEAKER_00: You may work with a veteran or even live next door to one.
- 3:53SPEAKER_00: We just want to thank them for their services and their sacrifices.
- 3:57SPEAKER_00: And you may never know what that person experienced, but you know that it's there.
- 4:03SPEAKER_00: And that's way, that's why a simple talk or thank you can mean a lot if you know that that person served.
- 4:12SPEAKER_00: But also believe that honoring a veteran should go beyond one day.
- 4:16SPEAKER_00: It should go every day, right?
- 4:19SPEAKER_00: Let me share a little about my own journey.
- 4:22SPEAKER_00: You know, I served 35 years in the United States Army and as a retired major in the Medical Service Corps.
- 4:29SPEAKER_00: When I look back over those years, I think about the people that I served with, the soldiers I served with, this leadership that guided me, the people I had the opportunity to lead.
- 4:42SPEAKER_00: It was just so impactful that I made the best decision of my life.
- 4:47SPEAKER_00: That assignment that challenged me.
- 4:49SPEAKER_00: You know, just thinking way back when, you know, I was that 18, 19-year-old and decided to raise my right hand and the moments that I had to make decisions that affect other people.
- 5:00SPEAKER_00: Military service teaches you responsibility.
- 5:04SPEAKER_00: It teaches you how to work with people from different backgrounds, teamwork.
- 5:09SPEAKER_00: It teaches how to adapt when plan change.
- 5:12SPEAKER_00: Especially when, you know, you go off to the field or you got a new mission, and but the it changes.
- 5:19SPEAKER_00: So it teaches you leadership and not just having a rank or position.
- 5:24SPEAKER_00: It's about caring for people, the caring part of it.
- 5:28SPEAKER_00: It's not about rank, it's not about position, it's about the caring of people.
- 5:32SPEAKER_00: Um, it's it's just it's about taking care of people, right?
- 5:35SPEAKER_00: Taking care of your soldiers.
- 5:37SPEAKER_00: And one thing I learned throughout my military career is that leadership doesn't stop when the uniform comes off.
- 5:43SPEAKER_00: Oh no.
- 5:44SPEAKER_00: You carry those lessons in everything you do.
- 5:49SPEAKER_00: You mean it.
- 5:50SPEAKER_00: When I became a civilian, I didn't suddenly stop being a leader.
- 5:54SPEAKER_00: I simply had to learn how to use those skills in a different environment.
- 5:59SPEAKER_00: And that's something I want veterans to remember.
- 6:03SPEAKER_00: Your military experience has value.
- 6:06SPEAKER_00: You have leadership value, you have training value.
- 6:09SPEAKER_00: Even if you, you know, retire from the military or you left the military, it's still there.
- 6:14SPEAKER_00: Those skills can just be great.
- 6:19SPEAKER_00: Your ability to manage people, solve problems, organize operations, and make decisions under pressure has value.
- 6:26SPEAKER_00: You've been through all of this.
- 6:28SPEAKER_00: Don't minimize what you bring to the table simply because you're transitioning to a different career.
- 6:34SPEAKER_00: You have the skills that employees want, businesses, love, and communities need.
- 6:41SPEAKER_00: You have the ability to have a very good impact on the world.
- 6:47SPEAKER_00: Now, the sacrifices people don't always see, let's talk about something that always don't get enough attention.
- 6:54SPEAKER_00: The sacrifices of military service.
- 6:57SPEAKER_00: When people think about military, they may think about uniforms, ceremonies, promotions, deployments, and homecoming celebrations.
- 7:07SPEAKER_00: But there's another side that's missing birthdays, missing holidays, missing parents, missing school events, anniversaries, and maybe even funerals.
- 7:19SPEAKER_00: They're leaving behind their families and trusting someone else to take care of things while they're away.
- 7:27SPEAKER_00: They're receiving orders and having to relocate entire households in a moment's notice.
- 7:36SPEAKER_00: They're starting over in a new community that they simply don't know, and they're bringing along their families.
- 7:42SPEAKER_00: They're learning a new job, meeting new people, adjusting to different environments.
- 7:47SPEAKER_00: You know, and not let's forget the military spouses are also sacrificing as well, and their children as well.
- 7:56SPEAKER_00: So these spouses who manage the households while their service members are away, it's a big sacrifice.
- 8:03SPEAKER_00: And we want to thank them.
- 8:05SPEAKER_00: The spouses who move from duty station to duty station also are sacrificing their lives.
- 8:11SPEAKER_00: They're supporting their spouses.
- 8:12SPEAKER_00: And the spouses who change jobs, rebuilding their career over and over again just to support their military spouse.
- 8:19SPEAKER_00: That is a huge sacrifice.
- 8:21SPEAKER_00: The children who learn how to make new friends every couple of PCS from the change of duty stations, they're sacrificing.
- 8:29SPEAKER_00: Military service affects entire families.
- 8:33SPEAKER_00: We cannot forget that.
- 8:34SPEAKER_00: So we not only have to thank the veterans, we have to thank the families as well.
- 8:39SPEAKER_00: So today I want to recognize the families who served along their veterans.
- 8:43SPEAKER_00: I want to say thank you because I know it wasn't easy.
- 8:47SPEAKER_00: And you may not want to, you may have not worn the uniform, but you sacrifice, your sacrifice matters, and you supported your military spouse, which is a very good thing.
- 9:00SPEAKER_00: Now, the day after uniform comes off, you're retired or you moved on, retirement transition, people congratulate you, they attend your retirement ceremony, they take pictures, I mean, they tell you how much they deserve to, you know, you deserve this retirement and you appreciate every little bit.
- 9:19SPEAKER_00: But then the ceremony ends, and then you take off the uniform, the uniform goes in the closet, then what?
- 9:27SPEAKER_00: Your military email is no longer your everyday communication.
- 9:31SPEAKER_00: At 0900, you're sitting at the desk and you're getting all these emails, and then all of a sudden it stops.
- 9:38SPEAKER_00: No Teams chat, no nothing like that, right?
- 9:41SPEAKER_00: It all goes away.
- 9:42SPEAKER_00: Somebody else handled it.
- 9:44SPEAKER_00: Your schedule changes, your daily routine changes.
- 9:47SPEAKER_00: You don't get those calls morning, noon, and night.
- 9:50SPEAKER_00: You got you don't have to be on conference calls.
- 9:53SPEAKER_00: And sometimes you start asking yourself, well, what's next?
- 9:58SPEAKER_00: For some veterans, retirement is exciting.
- 10:00SPEAKER_00: You know, you gotta schedule your trips, your vacations.
- 10:03SPEAKER_00: You already planned it.
- 10:05SPEAKER_00: You sold your house and you just want to live off no bat.
- 10:08SPEAKER_00: You know, they have plans to travel, spend time with family, start a business or pursue a career.
- 10:15SPEAKER_00: For others, the transition can be quite difficult.
- 10:19SPEAKER_00: You may miss the camaraderie, the phone calls.
- 10:23SPEAKER_00: Like I said, you may miss the missions, the constant working, you know, building something, the structure, set schedule.
- 10:31SPEAKER_00: You know, you must you might miss part of the team that understands exactly what you have experienced by talking it through together, or the fuel environment, or the water environment, or anything like that.
- 10:43SPEAKER_00: And that's okay.
- 10:45SPEAKER_00: You don't have to pretend that every part of your retirement is easy.
- 10:49SPEAKER_00: No.
- 10:51SPEAKER_00: Give yourself some time to adjust.
- 10:53SPEAKER_00: Build a new routine, find people who understand your experiences, you know, volunteer for community work with the VA, you know, things of that nature that you can constantly, they know the lingo, they know the language, you know, explore opportunities that allow you to continue to contribute.
- 11:11SPEAKER_00: And remember, retirement doesn't mean your purpose is over.
- 11:15SPEAKER_00: For those who think that, your next chapter can be as meaningful as the one you complete in uniform.
- 11:23SPEAKER_00: Now, your military skills have value in the civilian world.
- 11:27SPEAKER_00: It matters.
- 11:29SPEAKER_00: All the time that you did in the military matters in your civilian world.
- 11:33SPEAKER_00: I want veterans to understand something.
- 11:36SPEAKER_00: You don't have to start from zero when you leave the military.
- 11:39SPEAKER_00: Think about the skills you developed.
- 11:42SPEAKER_00: Were you responsible for personnel?
- 11:44SPEAKER_00: Did you manage budgets?
- 11:45SPEAKER_00: Did you coordinate operations?
- 11:48SPEAKER_00: You know, did you train soldiers?
- 11:50SPEAKER_00: Did you conduct planning?
- 11:52SPEAKER_00: Did you educate soldiers?
- 11:54SPEAKER_00: Did you in and out process soldiers?
- 11:57SPEAKER_00: Did you help them with their travel?
- 12:00SPEAKER_00: All of those things matter because that skill is very special.
- 12:07SPEAKER_00: And you can transfer those skills out into the military, to the civilian part of it.
- 12:13SPEAKER_00: You know, you may need to learn civilian terminology, you know, building your resume, et cetera.
- 12:20SPEAKER_00: But there's our tools out there for you, you know, as far as doing that and updating your resume or earning a certification.
- 12:29SPEAKER_00: All of that is available.
- 12:32SPEAKER_00: But don't overlook what you've already accomplished.
- 12:35SPEAKER_00: You may not even need most of that stuff.
- 12:38SPEAKER_00: A military career can prepare you for careers, project management, healthcare administration, logistics, supply chain, human resources, government contracting.
- 12:50SPEAKER_00: You can work at the VA, operations management, training and development, real estate entrepreneurship.
- 12:58SPEAKER_00: They have a ton of opportunities for our veterans.
- 13:02SPEAKER_00: VA.gov is one of the steps that you can learn about all of these things.
- 13:08SPEAKER_00: So, and if you're considering going back to school, that's okay too.
- 13:12SPEAKER_00: Investigate the education benefits available.
- 13:15SPEAKER_00: They're out there, you know.
- 13:18SPEAKER_00: So you have to do the work, but the information is there.
- 13:22SPEAKER_00: Programs such as GI Bill and the Veteran Readiness Employment may offer assistance to help veterans.
- 13:30SPEAKER_00: Do your research, ask questions, and make sure you understand your options.
- 13:36SPEAKER_00: You served, so you deserve to make sure that you've been done right.
- 13:41SPEAKER_00: So your service didn't limit your future, it helped prepare you for it.
- 13:46SPEAKER_00: So make sure that you go on those websites and learn about what opportunities are out there for you as a veteran.
- 13:54SPEAKER_00: Now, let's talk about my favorite thing: veterans and home ownership.
- 13:58SPEAKER_00: As you know, now because this is Military Real Estate Ricky Show, let's talk about real estate really quickly.
- 14:04SPEAKER_00: Home ownership is one of the biggest financial decisions many families make.
- 14:09SPEAKER_00: And veterans have access to a valuable benefit, the VA home loan.
- 14:13SPEAKER_00: The VA home loan benefit can help eligible veterans, active duty members, and surviving spouses purchase a home.
- 14:22SPEAKER_00: Yes, they can.
- 14:24SPEAKER_00: Depending on the eligibility, lender requirements, and the transaction, and a VA backed purchase loan may allow you to purchase a home without a down payment.
- 14:36SPEAKER_00: But let's make sure we understand something.
- 14:39SPEAKER_00: Zero down does not mean zero cost.
- 14:43SPEAKER_00: You may still have closing costs, prepaid expenses, inspections, moving costs, and other expenses.
- 14:51SPEAKER_00: So you still need to have some savings to make sure that you can complete those costs.
- 14:58SPEAKER_00: And some eligible borrowers are exempt from VA funding fee, including veterans serving in VA compensation for connected disability.
- 15:08SPEAKER_00: VA loan program also has specific occupancy and eligible requirements.
- 15:15SPEAKER_00: So before you purchase, talk with a knowledgeable VA approved lender.
- 15:19SPEAKER_00: There are a ton of them out there.
- 15:21SPEAKER_00: And here's another point.
- 15:23SPEAKER_00: If you're a veteran receiving VA disability compensation, don't forget to investigate property tax benefits in your state.
- 15:32SPEAKER_00: It's a huge difference.
- 15:34SPEAKER_00: For example, Georgia offers a disabled veteran homestead exemption for qualifying veterans.
- 15:41SPEAKER_00: The amount of requirements are subject to the state laws, so you need to reach out to them.
- 15:48SPEAKER_00: Check with your county tax office to determine what you qualify for, and also bring your letter.
- 15:55SPEAKER_00: Veterans have earned benefits, but you have to understand the rules and take the necessary steps to use them.
- 16:01SPEAKER_00: They're out there, but you have to call and learn about these things.
- 16:06SPEAKER_00: And this is why I do the podcast.
- 16:08SPEAKER_00: So I can give you guys this information and hopefully it helps.
- 16:11SPEAKER_00: So, financial readiness after the military.
- 16:14SPEAKER_00: When you leave the military, your financial picture may change.
- 16:17SPEAKER_00: You may go from receiving military pay two times a month to one time a month.
- 16:22SPEAKER_00: You may have disability compensation.
- 16:25SPEAKER_00: You may begin working as a civilian.
- 16:28SPEAKER_00: You may start a build a business.
- 16:30SPEAKER_00: You may decide to purchase another home or invest in a rental property.
- 16:34SPEAKER_00: This is a good time to sit down and evaluate your finances.
- 16:37SPEAKER_00: Ask yourself, what is my monthly income?
- 16:41SPEAKER_00: How much money do I make?
- 16:43SPEAKER_00: And what's my fixed expenses?
- 16:46SPEAKER_00: What are my debts?
- 16:47SPEAKER_00: Those are considered some serious things that you must make sure that you are on top of.
- 16:53SPEAKER_00: You know, do I have an emergency savings?
- 16:56SPEAKER_00: Do I have a retirement goal?
- 16:59SPEAKER_00: You know, look at everything before you get out of the military to make sure that you're taken care of.
- 17:06SPEAKER_00: I hope that helps.
- 17:08SPEAKER_00: You know, do you want to invest in real estate?
- 17:11SPEAKER_00: Do you want to go back to school?
- 17:13SPEAKER_00: You know, and what that look like, you know, reach out to education counselor just to see like what are the steps.
- 17:20SPEAKER_00: And after you consider real estate investing, remember that rental properties come with response responsibility.
- 17:25SPEAKER_00: Are you able to manage that while you're transitioning from the military?
- 17:30SPEAKER_00: Don't purchase an investment property simply because someone told you that it'll make good money.
- 17:35SPEAKER_00: You need to make sure that you have enough money aside in case of repairs, anything regarding that property that comes up.
- 17:46SPEAKER_00: And also, you know, there are renters in there that may or may not pay their rent on time.
- 17:52SPEAKER_00: So you need to be prepared for all of that.
- 17:54SPEAKER_00: Your goal should be building a financial future, you know, that supports your life when you leave the military.
- 18:02SPEAKER_00: So I wanted to make sure that you guys, you know, understand that so we could, you know, make sure that you're great when you leave the military.
- 18:11SPEAKER_00: And now I want to challenge everyone listening.
- 18:15SPEAKER_00: What are we doing for Veterans Day?
- 18:17SPEAKER_00: You know, what are we doing?
- 18:18SPEAKER_00: Is it easy to just post a flag?
- 18:21SPEAKER_00: Is it easy to just say thank you?
- 18:23SPEAKER_00: Is it easy to say thank you for your service?
- 18:26SPEAKER_00: You know, is it easy to just attend a Veterans Day event or parade or something like that?
- 18:31SPEAKER_00: But what happens on November 12th, right?
- 18:35SPEAKER_00: Are we still supporting our veterans?
- 18:37SPEAKER_00: Are we still saying thank you for your service?
- 18:39SPEAKER_00: Even when they're out of uniform or even when you're passing them in a grocery store or they're in their uniform, are you still acknowledging the fact that they did some sacrificing?
- 18:50SPEAKER_00: You know, are we connecting them with the resources if they fall on bad times?
- 18:55SPEAKER_00: You know, and are we checking on those who may struggle?
- 18:59SPEAKER_00: We need to ask each other that.
- 19:02SPEAKER_00: Are we helping transition service under Service members understand their benefits, then that's one of the keys.
- 19:10SPEAKER_00: I talked to a lot of veterans, and they some of them say, Yeah, I know about this, but I didn't know about that.
- 19:15SPEAKER_00: So we just need to keep educating our veterans.
- 19:18SPEAKER_00: And are we supporting veteran-owned businesses?
- 19:21SPEAKER_00: You know, are we encouraging veterans to pursue education and career development for their own selves?
- 19:28SPEAKER_00: There are so many ways to support veterans that we just got to do more than just say thank you for your service.
- 19:36SPEAKER_00: You can hire a veteran, you can shop at a veteran-owned business, you can volunteer with a veteran's organization, you can help a veteran navigate available resources.
- 19:46SPEAKER_00: You can simply take the time to listen to a veteran.
- 19:50SPEAKER_00: Those are some things that don't take a lot of money to do.
- 19:53SPEAKER_00: It just takes you listening to them, you know.
- 19:57SPEAKER_00: And sometimes listening is one of the most meaningful things you can do because a veteran, they like to remember what they did a long time ago.
- 20:05SPEAKER_00: And not every veteran wants to talk about their service.
- 20:08SPEAKER_00: Not every veteran has the same experience.
- 20:11SPEAKER_00: Some are Vietnam vet, some are Gulf War vets.
- 20:14SPEAKER_00: Respect that, you know, but make sure veterans know that they are valued and they are, they served our country.
- 20:22SPEAKER_00: And we thank them for their service.
- 20:25SPEAKER_00: You know, and so with that, a message to the veterans who is still finding their way.
- 20:31SPEAKER_00: I want to take a moment to speak directly to you.
- 20:34SPEAKER_00: The veteran who may be listening today and wondering what comes next.
- 20:38SPEAKER_00: Maybe you receive you recently retired, you've been separated, you're still trying to find that civilian job, you know, it takes time, but you must be able to don't give up.
- 20:50SPEAKER_00: I know this is a difficult transition.
- 20:52SPEAKER_00: Maybe you're wondering where your experience will relate, you know, but don't give up because there's meaningful outside the military.
- 20:59SPEAKER_00: And I want you to hear this.
- 21:01SPEAKER_00: You know, you're not starting over.
- 21:04SPEAKER_00: You've just done a big career.
- 21:06SPEAKER_00: Your next chapter, experience, you learn discipline and respect, accountability, all these things matter.
- 21:13SPEAKER_00: You know, you just may need to network with people outside the military, you know, but don't confuse transition with a lack of value.
- 21:20SPEAKER_00: You just did a whole thing of, you know, service.
- 21:24SPEAKER_00: Your service is part of your story.
- 21:26SPEAKER_00: And don't be afraid to tell people that.
- 21:28SPEAKER_00: Keep learning, keep growing.
- 21:30SPEAKER_00: You know, before I close, I want to recognize military families one more time.
- 21:33SPEAKER_00: To the spouses who held things together while their service members was deployed, thank you.
- 21:39SPEAKER_00: To the children who learned how to adapt to new schools and new communities and new friends, thank you.
- 21:44SPEAKER_00: To the parents, grandparents, siblings, and loved ones who supported their military service member, thank you.
- 21:50SPEAKER_00: And to the families who lost their loved ones, we recognize the Veterans Day can carry a different emotion.
- 21:55SPEAKER_00: We want to thank you.
- 21:57SPEAKER_00: Your loved one's service and sacrifice matters.
- 22:01SPEAKER_00: It touches families, communities, and generations.
- 22:05SPEAKER_00: Your service still matters.
- 22:07SPEAKER_00: As today we close the Veterans Day episode, I want to say thank you.
- 22:12SPEAKER_00: Thank you, every veteran who raised their right hand and took the oath.
- 22:16SPEAKER_00: Thank you for every service member who served during peace and wartime.
- 22:21SPEAKER_00: Thank you.
- 22:22SPEAKER_00: Thank you for everything that you've done.
- 22:24SPEAKER_00: And thank you for the veterans who continue to serve within our communities.
- 22:29SPEAKER_00: I say I am proud of people I serve with your sacrifice.
- 22:34SPEAKER_00: And if you enjoyed this episode, please follow or subscribe to this Military Real Estate Rookie show.
- 22:39SPEAKER_00: Leave a review, share this episode with another veteran and military family.
- 22:44SPEAKER_00: And if you're thinking about buying, selling, or investing in real estate, contact me at Rena Baron Real Estate on Instagram or Renabarron Realestate at gmail.com.
- 22:55SPEAKER_00: I work with buyers, sellers, and investors in Georgia and Florida.
- 22:58SPEAKER_00: And if you're looking in another state, I can help you connect with other professionals.
- 23:03SPEAKER_00: Until next time, remember the uniform may come off, but the commitment serves never has ended.
- 23:10SPEAKER_00: I'm Rena Barron, and this is your Military Real Estate Rookie show.
- 23:14SPEAKER_00: Happy Veterans Day.
- 23:15SPEAKER_00: And thank you all for listening.
- 23:18SPEAKER_00: Thank you.
- 23:18SPEAKER_00: Happy Veterans Day.