Servicemember’s Group Life Insurance (SGLI)

All members of the uniformed services, including service academy cadets are automatically insured under Servicemember’s Group Life Insurance (SGLI) for $250,000, unless they elect in writing to be covered for a lesser amount, or not to be covered at all.

Full-time coverage is also provided, under certain conditions, for (1) persons who volunteer for assignment to the Ready Reserve of a uniformed service, and (2) persons assigned to or who, upon application, would be eligible for assignment to the Retired Reserve of a uniformed service and have completed at least 20 years of satisfactory service creditable for retirement purposes but have not begun receiving retired pay.

Part-time coverage is provided, under certain conditions, to members of the Reserves who do not qualify for full-time coverage.

SGLI has no loan, cash, paid-up or extended values.

SGLI is provided at no cost for 120 days following an individual’s separation or retirement from active duty.

For dept of veteran affairs and veterans donations. Visit

Montgomery GI Bill

What is the Montgomery GI Bill – Active Duty ?
Called “MGIB” for short, it provides up to 36 months of education benefits to eligible veterans for:

College, Business
Technical or Vocational Courses
Correspondence Courses
Apprenticeship/Job Training
Flight Training

Who is Eligible?
You may be an eligible veteran if you got an Honorable Discharge, AND you have a High School Diploma or GED or, in some cases 12 hours of college credit, AND you meet the requirements of one of the categories below:


Entered active duty for the first time after June 30, 1985
Had military pay reduced by $100 a month for first 12 months
Continuously served for 3 years, OR 2 years if that is what you first enlisted for, OR 2 years if you entered Selected Reserve within a year of leaving active duty and served 4 years (“2 by 4” Program)


Entered active duty before January 1, 1977
Served at least 1 day between 10/19/84 and 6/30/85, and stayed on active duty through 6/30/88, (or 6/30/87 if you entered Selected Reserve within 1 year of leaving active duty and served 4 years)
On 12/31/89, you had entitlement left from Vietnam Era GI Bill


Not eligible for MGIB under Category I or II
On active duty on 9/30/90 AND separated involuntarily after 2/2/91,
OR involuntarily separated on or after 11/30/93,
OR voluntarily separated under either the Voluntary
Separation Incentive (VSI) or Special Separation Benefit (SSB) program
Before separation, you had military pay reduced by $1200


On active duty on 10/9/96 AND you had money remaining in a VEAP account on that date AND you elected MGIB by 10/9/97
OR entered full-time National Guard duty under title 32, USC, between 7/1/85, and 11/28/89 AND you elected MGIB during the period 10/9/96, through 7/8/97
Had military pay reduced by $100 a month for 12 months or made a $1200 lump-sum contribution

How Much Does VA Pay ?

The monthly benefit paid to you is based on the type of training you take, length of your service, your category, and if DOD put extra money in your MGIB Fund (called “kickers”). You usually have 10 years to use your MGIB benefits, but the time limit can be less, in some cases, and longer under certain circumstances.

How Can I Apply?

You can get the application in several ways:

Fill out the form online at VONAPP.
Download forms from the VA Web site.
Call 1-888-GIBILL-1 (1-888-442-4551) and request the form. (You may have difficulty getting through quickly at the toll-free number, especially when school enrollments are heavy. You may have more success by going to the Internet site.)
Contact the nearest VA regional office.
You may also be able to pick up the application from your school or training facility.

For veterans site and veterans organization. Visit

What are the effective ways of self-defence?

When it comes to self-defence, there are several useful techniques that you can take help from. There are different kinds of kung-fu or karate techniques that you can learn to defend yourself. We’re not asking you to be a professional kung-fu master, but there are a few basic techniques that can help you stay secure at all the times.

If you’ve given try to these techniques and weren’t able to learn them, don’t worry because there are other options for you out there that you can take help from. If you think that you are not strong enough to fight against the enemy or you don’t have the potential to learn the basic self-defence techniques then you must take advantage of the different self-defence tools that are available in the stores for your comfort and benefit.

But you need to be very careful when buying such tools that whether they are legal or not. Stun guns are tasers are the most popular tools that are used for self-defence in different parts of the world and they are legal as well.

There are different kinds of varieties available for you if you want to buy one or more weapons for protection. But before making a purchase you need to be able to differentiate between stun guns and tasers and decide that which tool will work best for you in terms of use for self-protection.

Stun Gun

For the purposes of self-defence, you can easily use the stun guns. Having a stun gun makes a person feel more secure. A stun gun temporarily disables the attacker for several minutes leaving him dazed and stunned. In the meantime, the victim can get out of the attack situation.

Following a stun gun strike, the attacker loses all control of balance, his muscles become extremely tense and the temporary paralysis ensues. The attacker losses the muscular control and falls down when paralyzed.

Taser Fundamentals

The difference between a taser and stun gun is clearly manifest as you can protect yourself against the attack from a distance if you have a taser with you but if you own a stun gun you need to get in direct connection with the attacker to take him down.

Most of the people don’t prefer stun gun with a fear that they might get harmed during the direct contact with the attacker. If you’re also one of them and want to stay at a distance when securing yourself against the attacker, then you must choose a taser for self-defence.

There is a wide range of tasers available in the stores these days that you may choose from. We suggest you take a look at the reviews of top rated tasor batons before you go to purchase one for you.

Once you’ve gone through the reviews, you’ll be able to find the best self-defense tool for you.