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- Upcoming events
- How BAH dollars are used for on-base housing
- Need money for college?
- Salute to the Red Cross
- How changes to your BAH will impact your renter’s insurance
- Six Simple Steps to Jump-start Your Emergency Fund
- 6 Fun Facts about Valentine’s Day
- Spring lawn treatments
- Military Family Life Counselors sessions in your Community
- Staying warm in the winter
- Green Corner
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14 Feb: Valentine’s Day
Have you ever wondered how military housing companies use your Basic Allowance for Housing (BAH) dollars? The infographic below shows a broad overview of housing costs associated with BAH and how Corvias Military Living operates.
Don’t forget! Applications for the Corvias Foundation $50,000 Scholarships for children of active-duty service members are due Thursday, February 11. The application is available online at corviasfoundation.org. $5,000 Educational Grants for spouses are due May 5.
The Red Cross will be hosting a community wide event on March 11th from 3-6pm in the Colyer Forsyth Community Center to celebrate 135 years of the American Red Cross! This event will include interactive activities to provide families with resources and education on services the American Red Cross provides. Such as: CPR/First-Aid demonstrations, Home Fire Campaign toolkits, and Service to the Armed Forces resources. Other supporting Fort Riley and community agencies will be attending to highlight their respective services available to Soldiers and their families.
The Department of Defense (DoD) has changed the calculation for BAH and with that, renter’s insurance is no longer part of BAH. As a result of this change, Corvias no longer offers renter’s insurance to incoming residents effective April 1, 2015. Residents who moved in on or after this date are responsible for securing their own renter’s insurance policy.
How Does this Affect Me?
Based on the criteria above you may no longer have the renter’s insurance policy that has been previously provided through Corvias Military Living which included $20,000 personal property and $100,000 liability per occurrence with $50,000 on fire legal liability. The deductible on personal property was $500 and the liability deductible is $0. Read more…
What Should I do?
We recommend all residents obtain renter’s insurance immediately. The appropriate amount of renter’s insurance coverage is a personal decision that should be based on the value of your personal belongings.
Why Should I do it?
A renter’s insurance policy provides protection for personal property up to 20 types of loss that can create a financial burden for many families. Take a look at the example below of an actual loss which occurred as the result of a fire started by cooking on a stove.
**You could be liable for Fire Legal Liability of up to $50,000.**
As you can see, having a typical renter’s insurance policy purchased from USAA or another reputable insurance carrier can save thousands of dollars in what could be one of the most stressful times of your life. The following is a list of USAA representatives servicing the areas near you if you would like to call to discuss purchasing a policy.
- Aberdeen Proving Ground and Fort Meade, Md., Ronney Wright, 757-472-9105 or Ronney.email@example.com
- Fort Bragg, N.C., Dennis King, 803-445-434 or Dennis.firstname.lastname@example.org
- Fort Polk, La., Craig (Russell) Howell, 228-238-4344 or Russell.Howell@usaa.com
- Fort Riley and McConnell AFB, Kan., Joe Romans, 785-213-6892 or Joe.Romans@usaa.com
- Fort Rucker, Ala., Chris Glennon, 850-624-8300 or Chris.Glennon@usaa.com
- Fort Sill, Okla., Gary Thompson, 405-315-1668 or Gary.Thompson1@usaa.com
- Edwards AFB, Calif., Eric Page, 951-318-2334 or Eric.Page@usaa.com
- Eglin AFB and Hurlburt Field, Fla., Chris Glennon, 850-624-8300 or Chris.Glennon@usaa.com
- Eielson AFB, Alaska, Mike Sevy, 253-315-2449 or Michael.Sevy@usaa.com
- Seymour Johnson AFB, N.C., Jim Lewis, 910-467-4540 or Jim.Lewis@usaa.com
We appreciate you cooperation and understanding as we go through this transition. For all questions and concerns, please call your Corvias Community Office.
Saving several months’ worth of living expenses for an emergency fund can be intimidating, especially when it feels like all of your available cash is already accounted for each month. Better Money Habits offers these six simple steps to help you get started building a reserve of cash — bringing with it greater financial security and peace of mind. - See more at: http://www.americasaves.org/blog/1248-six-simple-steps-to-jump-start-your-emergency-fund#sthash.IH1KLp9l.dpuf
· Take it day by day
Putting aside months’ worth of living expenses might seem like an impossibly tall task. But more important than hitting your savings goal right away is simply getting started. To do that, pick a realistic number you think you could work toward in the short term. Some people, for example, might start with a goal of $50 or $100 a month—as little as $2 to $3 a day.
· Pick something and cut it
You could carpool or use public transportation to save on gas, bring your lunch to work or cancel that gym membership or cable subscription you don’t use. You may want to identify one discrete thing you can cut, which can be easier than trying to change your behavior.
· Make it easy on yourself
An easy way to save more consistently is to set up automatic transfers from your checking to your savings account. If you have direct deposit at work, you might be able to set aside a percentage of your paycheck to go directly to your emergency savings account each pay period.
· Don't let debt get in the way
If you’re struggling to pay down debt, saving might be the last thing on your mind. And if your debt carries high-interest rates—like credit cards—it might make sense to aggressively pay down balances first. But if your rates and balances are lower and more manageable, you can work on both goals at the same time: Consider allotting funds to both debt and savings each month.
· Keep your funds accessible—but away from temptation
Emergency funds must be available when you need them. That means not locking them up in accounts that charge you to access your money—or keeping them in an account you’ll be tempted to tap for everyday expenses. Consider creating a separate, interest-bearing, FDIC-insured savings or money market account.
· Now, up the ante
Don’t stop once you’ve hit your initial savings target. Steadily increase your savings goals until you have put aside enough money to cover your expenses for three to six months—a significant buffer against unexpected emergencies. - See more at: http://www.americasaves.org/blog/1248-six-simple-steps-to-jump-start-your-emergency-fund#sthash.IH1KLp9l.dpuf
If you are looking for a Valentine’s Day present for that special someone here is how the holiday is celebrated by the numbers:
Cards: About 1 billion Valentine's Day cards are exchanged in US each year. That's the largest seasonal card-sending occasion of the year, next to Christmas.
Parents: Receive 1 out of every 5 valentines.
Pets: About 3 percent of pet owners will give Valentine's Day gifts to their pets.
Flowers: Worldwide, over 50 million roses are given for Valentine's Day each year.
Chocolate: More than 36 million heart shaped chocolates boxes are sold on the eve of Valentine’s Day.
Proposals: The average number of wedding proposals taking place on Valentine’s Day is 220,000 and it is 10 percent of the total marriage proposals taking place in a year.
Our lawn care service provider will be applying a liquid weed control and pre-emergent treatment to lawns in February and March, as weather conditions allow. Check your Community Calendar to see when your home will be treated.
Treatment areas will include all landscape beds, front and side yards of all homes as well as community entry areas. To make the application process as efficient as possible, we ask that you please remove all personal items from your front and side yard turf areas.
During the application and while the treatment is drying, a yellow flag will be placed in each yard to signify that there is a turf application in progress. Please allow the treatment to dry and wait for the flag to be removed by our lawn care professionals before allowing children and pets on the treated areas. The treatment application is not harmful to your family or pets. The drying period will heighten the effectiveness of the treatment and help you avoid tracking the material into your home.
The product labels and material safety data sheets will be available at your Community Office for further information on the products used.
MFLC will be holding sessions in each Community Center. The topic this month is Principles for Healthy Relationships and Marriage. Please see the schedule below for sessions near you!
- Ellis Heights- February 25- 2pm
- McClellan- February 25- 10:30am
- Colyer Forsyth- February 25- 10:30am
- Warner Peterson- February 25- 2pm
Keeping your home warm in the winter accounts for about 66 percent of your energy consumption. Making some small changes around the house can help you lower your energy consumption and save you money through the Live Army Green Program.
Under the program, occupied homes that are the same, or similar, are grouped together and the utilities are averaged to determine a baseline. The baseline is averaged monthly so current conditions are automatically factored in.
Once the baseline is established, a buffer zone is added above and below the average. When a resident's use falls within the buffer zone, the resident will receive a "no action required" statement, but when a family uses less than the baseline and buffer zone they receive a rebate.
Families consuming above the buffer zone will receive a "balance due" notice on their statement, meaning a payment is due.
If you regularly receive a “balance due” statement here are some tips to reduce your energy consumption while staying warm:
- Wear slippers. Warm air rises so your feet on the floor often get cold. Wearing a pair of cozy slippers can keep your feet toasty and help you feel warmer.
- Sweaters, cardigans and sweatshirts can help you stay comfortable while keeping your thermostat set lower.
- Regularly changing your air filter reduces stress on your HVAC system. Filters are available at your community office for no charge.
- A slow cooker is an effective way to make a hearty meal on a cold day.
If you have any questions about the Live Army Green Program contact your Community Office.
Replace the air filter in your home every 30 days. Air filters are available at your Community Office for no additional cost.