Seabee eCourier, April 11, 2013


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Seabee eCourier, April 11, 2013

  1. 1. 53 No. 15 Naval Construction Battalion Center, Gulfport, Mississippi April 11, 2013 Perfecting techniques U.S. Navy cancels Blue Angels 2013 performances From Commander, Naval This is one of many steps the Air Forces Public Affairs Navy is taking to ensure re- SAN DIEGO, Calif. -- (NNS) -- sources are in place to support The Navy has cancelled the forces operating forward now remaining 2013 performances and those training to relieve of its Flight Demonstration them. Squadron, the Blue Angels. Changes that hit closer to The squadron will continue home include restricting sup- to train to maintain flying pro- port for community events ficiency until further notice at such as parades and static dis- its home station in Pensacola, plays at festivals to the follow- Fla. ing criteria. Authorization for Recognizing budget realities, local area engagement (up to current Defense policy states 100 miles) is authorized only if that outreach events can only there are no additional costs be supported with local assets such as fuel, meals or other at no cost to the government. expenses to the government. Holocaust Days of Remembrance April 18, 11 a.m. Gunners Mate 2nd Class Craig Williams and Sgt. Seth Leamon assigned to Naval Con- struction Group (NCG) 2 practice grappling techniques as part of the Marine Corps Seabee Memorial Martial Arts Program (MCMAP) taught by Staff Marines of Inspector-Instructor 3rd Platoon (Rein) Company A 4th Assault Amphibian Battalion, 4th Marine Division on Chapel board Naval Construction Battalion Center (NCBC) Gulfport, April 8. MCMAP is a com- Sponsored by NCBC bat system used by Marines that combines hand-to-hand and close-quarters com- Multicultural Diversity Committee bat techniques open to all branches of service. Once the students graduate, they will be awarded their first or next belt, representing their proficiency in the MCMAP. (U.S. Navy photo by Construction Mechanic 3rd Class Katchen Tofil/Released)
  2. 2. LEGAL: Taking control of NCBC student loan debt April is designated Commanding Officer By Lt. Michael R. Ellis, JAGC the three-step method shown below. in the mail or in your inbox to begin Capt. Rick Burgess New Orleans Legal Assistance Step 1: Survey the scene - As a tracking these loans down. Many loan SexualAssault Aware- Public Affairs Officer Office, RLSO SE legal assistance attorney advising a providers will have websites and on- ness Month (SAAM). Rob Mims If you are like many Americans client with student loan issues, I al- line payment options as well. Once Editor The SafeHelpline pro- who’ve attended college, you probably ways start by diagnosing the problem. you’ve tracked the providers down, Bonnie L. McGerr financed your way through with the vides live, one-on-one Specifically, you need to determine: you must then determine the status of Mass Comm. Specialist help of student loans but without pay- crisis support. CALL: MCC(SCW/SW/AW) what kinds of loans do you have, who each loan: are they in deference, for- Ryan G. Wilber ing much attention to the details. owns them, and the status of each bearance, repayment, or default? 877- 995-5247 After all, higher education was for loan. Typically loans are deferred while you CLICK: www.Safe- Special Contributors decades considered to be one of the Although simple in theory, it can be are still in school and go into repay- CM3(SCW) Katchen Tofil; CECN(SCW) Lucinda Moise wisest investments around. Unfortu- difficult in practice. Many students ment a few months after graduation. nately, the rising costs of tuition cou- or TEXT: 55-247 don’t fully understand where their stu- Periods of forbearance may be granted The Seabee Courier is a pled with the recent economic dent loan money comes from until for short periods due to hardship, but weekly authorized on-line downturn have resulted in many peo- after graduation. It’s important to de- that is usually up to the lender. Fi- Fraud, Waste and publication for members of ple finding themselves tethered to termine whether you have publicly nally, a loan is in default when you Abuse Hotline: Due the military services and their huge loan balances without the huge held subsidized or unsubsidized loans, have failed to make a payment during to limited IG resources families. Content does not incomes they imagined. private loans, PLUS loans, or some a period of repayment. In addition to necessarily reflect the official throughout the Southeast Re- If this sounds like you, then the first combination of the above. Publicly looking at your loan providers’ web- views of the U.S. Govern- gion, all Fraud, Waste and thing you should do is realize you’re held loans and PLUS loans are backed sites or paper statements, your credit ment, the DoD or the U.S. Abuse hotline work will now not alone. A recent report from the by the Department of Education and report will contain a wealth of infor- Navy and does not imply en- be handled by the Region. To Federal Reserve Bank of New York es- tend to have lower interest rates and mation about type and status of your dorsement thereof. The ap- timated that approximately one-third report Fraud, Waste and pearance of advertising in this more flexible repayment options. Pri- loans. of all student loans not in repayment Abuse, contact the Region at: newspaper, including inserts vate loans, on the other hand, tend to Step 2: Explore All Loan Repayment are more than 90 days past due. Toll Free 1-877-657-9851 or supplements, does not have higher interest rates, may fre- Options - Now that you’ve gotten a Meanwhile, the average debt load is handle on the big picture, it’s time to Comm: 904-542-4979 DSN constitute endorsement by quently be sold to other private com- over $28,000 and rising every year. panies, and typically have more explore your repayment options. 942-4979 FAX: 904- 542- the U. S. Government, DoD, The next thing you need to do is take restrictive repayment options. When it comes to public loans, there 5587, E-mail: CNRSE_HOT- the Navy or NCBC Gulfport of charge of your financial future with Look at the statements you receive See DEBT page 8 the products and services ad- vertised. All content in this newspaper shall be made available for purchase, use or patronage without regard to race, color, religion, gender, national origin, age, marital status, physical handicap, po- litical affiliation or any other non-merit factor of the pur- April 11, 2013 chaser, user or patron. If a violation or rejection of this equal opportunity policy by an advertiser is confirmed, the publisher shall refuse to print advertising from that source until the violation is corrected. The Seabee Courier solicits news contributions from military and civilian sources, but the Public Affairs staff reserves the right to editSeabee Courier and/or rewrite material se- lected for publication to con- form with journalism standards. The deadline for material is close of business every Friday. Your comments are always welcome. The Seabee Courier office is in Building 1, Room 205. The mailing address is 4902 Mar- vin Shields Blvd., Code 15, Gulfport, MS 39501. Phone: 228-871-3662., Email: 2
  3. 3. Buzz on Around the Street By CECN(SCW) Lucinda Moise the NCBC Public Affairs “What do you do to practice responsible drinking?” Center Suniman Keny (left) and Diane Boss, both store workers for the Defense Commissary Agency (DeCA), restock ba- nanas at the Commissary on board Naval Construction Battalion Center (NCBC) Gulfport, April 3. The Commis- sary offers deli hot and cold sandwiches and fresh sushi for an easy lunch. Store hours are Sundays, 11 a.m.-6 p.m., Tuesdays and Thursdays, 9 a.m.- 7 p.m., Wednes- days, Fridays and Saturdays, 9 a.m. - 6 p.m. (U.S. Navy photo by Construction Mechanic 3rd Class Katchen Tofil/Re- leased) “I have a plan before I go out.” UTCN(SCW) Thomas Dawkins NMCB 74 Hometown: Raleigh, N.C. Chief Master-at-Arms Talia Woods, a student at Expeditionary Combat Skills (ECS) School, gives instructions as the convoy commander dur- ing convoy simulation training at the Tactical Training Facility building on board NCBC, April 2. Convoy simulation training helps the students of ECS apply skills attained in a classroom to real life situations. (U.S.April 11, 2013 Navy photo by Construction Mechanic 3rd Class Katchen Tofil/Released) “I don’t drink over my limit.” Daniela Pagan NCBC Hometown: Utica, N.Y.Seabee Courier More than 600 Seabees assigned to Naval Mobile Con- struction Battalion (NMCB) 74, and their family members, participate in a Zumba class led by MWR Fitness Assis- “I volunteer to pick up my tant Lydia Dahlke for physical training at the Mini Grinder buddies if they need a ride.” on board NCBC, April 5. NMBC 74 invites family members for PT once a quarter to boost unit morale. (U.S. Navy photo SW3(SCW)Austin Bracelin NMCB 1 by Construction Mechanic 3rd Class Katchen Tofil/Released) Hometown: New Holland, Pa. 3
  4. 4. Gulf Coast CPOs celebrate birthday, conclusion of Year of the Chief By MCC(SCW/SW/AW) said that there is only one title Ryan G. Wilber that matters. NCBC Public Affairs “It’s all about titles; initiated, Chief Petty Officers (CPOs) of inducted, CPO 365, who cares. the Mississippi Gulf Coast met at The only title we’re looking for is the Anchors and Eagles Chiefs’ the title of a Chief Petty Officer,” and Officers’ Club on board said Levesque. NCBC Gulfport to celebrate the Many chiefs were happy to 120th birthday of U.S. Navy have their community high- CPOs, April 1. The day also lighted over the year, proudly marked the end of the U.S. Navy wearing their YOTC t-shirts and Memorial’s Year of the Chief handing out limited edition From left, Naval Construction Battalion Center (NCBC) Gulfport Command Master Chief Mark (YOTC), a year to honor all YOTC coins to deserving junior Thomas, Chief Equipment Operator Justin Hallahan, assigned to Naval Mobile Construction Bat- CPOs who have served, past and sailors. For those selected dur- talion (NMCB) 11 and youngest Chief present, and oldest Chief present, Naval Construction Group present. ing fiscal year 2012 the event (NCG) 2 Command Master Chief Duane Sharp, cut the ceremonial birthday cake during a U.S. Navy Each year, the Navy Memorial was even more meaningful. CPO 120th birthday celebration at the Anchors and Eagles Chiefs’ and Officers’ Club on board NCBC chooses a group within the Navy “It is very special to me, be- Gulfport, April 1. The day also marked the end of the U.S. Navy Memorial’s Year of the Chief, a year to honor. After 119 years of ex- to honor all CPOs who have served, past and present. (U.S. Navy photo by Chief Mass Communication cause I made it during the Year istence and 13 Master Chief Specialist Ryan G. Wilber/Released) of the Chief and this is the first Petty Officers of the Navy birthday as a CPO, so it means a For many chiefs, networking is (MCPONs), the CPO community lot to me,” said Chief Builder a key to success. Thomas said was chosen to spotlight its his- Doug Rathert, assigned to Naval he also thinks camaraderie is tory, heritage and contributions. Mobile Construction Battalion important and would like to see MCPON Michael Steven’s CPO (NMCB) 1. more social events on base. 365 guidance was one of the For some the day brought “What I want to do is get peo- main topics spoken of during mixed emotions, celebrating a ple down here to hang out to- NCBC Gulfport’s birthday cele- birthday, but also the chiefs’ gether, have some food, haveApril 11, 2013 bration. special year coming to a close. some drink and just be merry. “The way we have done things “As the Year of the Chief it’s That’s what I think is important, over the years has changed, pretty exciting, but that it’s the and we need to do more of it,” used to do things different, not last day it’s kind of bittersweet. said Thomas. “Anytime that we wrong just different,” said NCBC It’s fitting that we started with can get together as a group, Gulfport Command Master Chief the Chiefs’ birthday and ended and socialize, network and build Mark Thomas. “It takes chiefs to with the Chiefs’ birthday, and I that camaraderie it makes it a make chiefs. … So, we’ve got to whole lot easier on us as a Naval Construction Battalion Center (NCBC) Gulfport Command think it brings back a lot of the put it together, and we’re going team. It also allows our troops Master Chief Mark Thomas addresses Mississippi Gulf Coast Chief heritage and tradition of what to have the best season we can to see that we are fully function- Petty Officers (CPOs) during a U.S. Navy CPO 120th birthday we do as chiefs, and I think it’s celebration at the Anchors and Eagles Chiefs’ and Officers’ Club make.” important that we have the Year ing together as a team. It is im- on board NCBC Gulfport, April 1. (U.S. Navy photos by Chief Mass Com- There has been a lot of discus- of the Chief to let the troops portant that as chiefs we get outSeabee Courier munication Specialist Ryan G. Wilber/Released) sion within the Chief community know that we know where we’re and talk to each other, and about whether the Navy still has coming from and what we’ve know where each other is com- a proper induction or initiation done and keep those traditions ing from,” added Daniel. their Sailors to have a plan, be “Make sure everybody has a for CPOs in light of CPO 365, but ongoing,” said Senior Chief As is birthday tradition a cere- safe and look out for one an- solid plan, and lets take care of Naval Construction Training Cen- Equipment Operator Helen monial cake was cut before food other, the chiefs in attendance each other,” said NCG 2 Com- ter (NCTC) Gulfport Command Daniel, assigned to Naval Mobile and drinks were served. Chiefs were encouraged to do the mand Master Chief Duane Master Chief Chris Levesque Construction Battalion (NMCB) 74. are often found encouraging same. Sharp. Armed Forces MC 2013 Navy-Marine Corps Relief Fund Poker Run . . . A poker run to benefit the Navy Marine Corps Relief Society(NMCRS) is scheduled for April 20 at the AFMC Pitch In, Use the Bin! NCBC Clubhouse, 11007 Wolf River Road, Gulfport. Registration is at 10 a.m., first bike out at 11 is a No Litter Zone! 4 a.m. and last bike in at 4 p.m. For more information, contact call 228-229-2816.
  5. 5. Navy institutes new position: Resource Referral Tracking Manager By CECN Lucinda L. Moise complete military medical record. NCBC Public Affairs For Reserve Component, this People who have previously de- documentation is shared with ployed are well aware of the con- CNRFC, and Active Component fusion the military medical system members have documentation of can sometimes create. The Navy completion forwarded to their Par- has created a new position to as- ent Command. sist Sailors with those concerns. Medical care and case manage- Hospital Corpsman 1st Class ment are not provided through Tammy Madison is now in the role this office. This program is specifi- of Resource Referral Tracking cally designed to ensure Sailors Manager(RRTM), supporting de- medical needs are met and com- mobilizing Navy reservist and re- pletion is reported to the proper deploying Navy active duty Chain of Command. member after their departure “I’ve been dealing with deploy- from the Navy Mobilization Pro- ing and redeploying Sailors since cessing Sites (NMPS). 2004, so I have several years of HM1 Madison provides a "safety experience, said Madison. I have net" for those members through- a strong understanding of the mil- out the referral process and as- itary culture and stressors associ- sists, as needed, navigating the ated with a wartime deployment. TRICARE, Veterans Affairs Medical I know what to expect when they Centers (VAMC), and Military come back. My customer service Treatment Facilities (MTF). She skills are built on that foundation maintains a data base for those and utilized daily. This job is fully questions to ensure the members customer service oriented and geared toward the needs of our Hospital Corpsman 1st Class Tammy Madison, Commander, Navy Installations Com- concerns are resolved. mand Headquarters Detachment Resource Referral Tracking Manager (RRTM), assists a Besides addressing member’s Sailors.” The Resource Referral Tracking Sailor over the telephone inquiring information about Tricare. As the RRTM, Madison helps questions, the RRTM also tracks Sailors who need assistance accessing Tricare, Military Treatment Facilities and the U.S. referrals to completion using a Manager program was created by Capt. Linda Geisaka, Commander Department of Veterans Affairs. (U.S. Navy photo by Construction Electrician Constructionman system designed specifically for Lucinda L. Moise/Released) this program, allowing annotation Navy Installations Command of each contact such as appoint- (CNIC) Headquarters, Global Sen- “I have known HM1 Madison for Currently, HM1 Madison is the For more information concerning ment updates and completed ior Medical Officer. a long time. She has an excellent only RRTM Navy wide. She is the post-deployment referral medical care. This is further as- According to Capt. Geisaka, work history and has exceeded in available to Sailors worldwide, an- process, she can be reached thru surance that members have a Madison was more than qualified everything she’s done,” stated swering many questions regarding the Navy 311 Program at 855- to fulfill the role of RRTM. Geisaka. medical benefits and entitlements. 628-9311.April 11, 2013 See Something Wrong, Do Something Right! NCIS has two new anonymous To report information On- ways to report crimes or sus- line: picious behavior with the use 1. Go to, of discreet and secure online click on the “Report a Crime” or texting tip lines. tab and select the icon for “textSeabee Courier To report information by and Web tip Hotline.” Cell text: There is a reward of up to $1,000 for infor- 1. Text “NCIS” to the short mation leading to a felony arrest or ap- prehension code 274637 (CRIMES) from any cell or smart phone. 2. Receive a response, for ex- ample: “Your alias is: S2U5 Call 911 if urgent! If replies put you at risk, text “STOP” 3. Begin dialogue 5
  6. 6. Seabees dig deep to meet the mission Above: JACKSONVILLE, Fla. - Builder 2nd Class Michael Nordquest, assigned to Con- struction Battalion Mobile Unit (CBMU) 202, Detachment Jacksonville, digs to lo- cate a water line at Naval Air Station Jacksonville. The Seabees are transforming a vacant lot into a new park with seating areas, a pavilion with benches, landscap- ing, drainage and sidewalks with curbing. The park is being built as part of the pre- vious demolition of former building 921, the former site of the Fleet Air Photographic Laboratory. (U.S. Navy photo by Sue Brink/Released) Right: SASEBO, Japan - Equipment Operator 3rd Class Jason Lincolnpons, from Concord, Calif., removes a large stone during the excavation of a drainage ditch designed to prevent flooding at a muni- tions storage facility. Lincolnpons is assigned to Naval Mobile Construction Battalion (NMCB) 5s Detail Sasebo, which is currently deployed to Japan performing con- struction readiness operations in support of U.S. Pacific Command. (U.S. Navy photo by Engineering Aide Constructionman Casey Smith/Released) Race Engines, Dirt Bikes,April 11, 2013 ATV’s, Cigarette Boats, Zodiacs Are you up to the challenge of hard work and repairing unique SOF equipment? Naval Special Warfare Development Group is seeking ac- tive duty Construction Mechanics and all other Seabee rates.Seabee Courier - Motivated/Volunteer - Pass Navy PFA - E4 - E6 - No NJP - No bankruptcy - Obtain Secret/TOP Secret clear- ance Email us at ! or contact your detailer to request additional information. 6
  7. 7. Child Abuse Prevention Month Keeping it GreenApril is Child Abuse Prevention Month, but you can act Tips to start compostingto support families and protect children all year round for your gardenFrom the American Humane pate in a cultural event in your com-Association munity. Families come from different From StatePoint Media, cultural backgrounds that all bring It doesn’t matter if you’re a gardening novice trying to supplement your The future prosperity of any com- value in creating caring and com- passionate communities. dinner table with some home-grown veggies or an entrepreneur thatmunity depends on its ability to fos- ~ Do volunteer work for a youth- earns a living off the land, composting is a simple way to go green andter the health and well-being of thenext generation. When a community or family-serving organization in help save the environment.invests wisely in children and fami- your community. Some families just You don’t have to be an environmentalist to compost, either. Compost,lies, the next generation will pay need a little help from time to time, which is organic matter that has been decomposed and recycled and usedthat back through a lifetime of pro- and community organizations are for fertilizing soil, is great for your garden and will help reduce landfillductivity and responsible citizenship. designed to do just that. waste. In addition, composting in your home garden will help you save Yet, when not all children have ~ Take action on legislative issues money.equal opportunity for healthy growth For friends and neighbors: that affect children and families. Call “Using compost means your garden will be more cost-effective becauseand development — due to experi- ~ Compliment a father . . . some- your elected representatives, join one you know or even someone in demonstrations and be sure always you will have to spend less on fertilizers, insecticides, and fungicides for aences of child abuse and neglect — public . . . on something positive to vote to show that you support given harvest of any crop,” says Brett L. Markham, author of “The Miniwe put our future at risk. While April is Child Abuse Preven- you see him do with his children. services to help families raise Farming Guide to Composting,” the latest in his Mini Farming book series.tion Month, you can make a big dif- Dads contribute uniquely to chil- healthy children. Across the country people are embracing the concept of self-sufficiencyference year-round through small dren’s development. ~ Introduce yourself to your and preparedness, “mini farming” anywhere, from rooftop urban gardensacts that help protect children, ~ Offer your time to baby-sit for neighbors. Caring and connected to suburban backyards to larger land plots. Growing food is easier thanstrengthen families, promote traits the child of a friend, neighbor or neighborhoods can be powerful in ever and composting is a huge part of this movement.that help protect families — and, ul- family member. All parents need reducing neighborhood violence and Markham, who also has written the bestselling “Mini Farming: Self-Suffi-timately, prevent the abuse and help sometimes — even if it is just supporting struggling parents. ciency on 1/4 Acre” as well as mini farming guides to fermenting and veg-neglect of children. to rest or “recharge” for an hour or ~ Create a “Safe Children Zone” in two. your neighborhood. Host a commu- etable gardening, offers these gardening tips to get started on Here is a list of simple tips that can ~ Mentor a young dad you know nity meeting with your neighbors to composting:have a positive effect on the well-being and healthy development of in growing his relationship with his talk about what each of you can do • Composting is a natural form of recycling, so use food waste, grasschildren, families and communities. kids. Some young dads may need to help create a sense of safety for clippings, coffee grounds and even paper as compost. Just be sure toPrint the tips out and hang on your help with transportation or in identi- the children in your neighborhood. shred the paper first to speed up the process.fridge or post in your office as a re- fying helpful resources for their chil- ~ Volunteer at or donate resources • Start your compost pile in a convenient spot, and make sure it is semi-minder of things you can do dren. to a local preschool or daycare cen- shaded and well-drained.throughout the year to prevent child ~ Support parents looking for a ter. Early education builds the foun- • Add bulking agents such as wood chips to accelerate the breakdown ofabuse and neglect! job by offering your professional dation for a lifetime of healthy brain knowledge and experience in re- organic materials, allowing the finished material to fully stabilize and ma-For your family: development. sume writing or preparing for a job ~ Ask yours or another faith-based ture through a curing process. Add leaves, straw, or hay along with grass ~ As a parent, block out 15 min- interview. Financial stability links di- organization in your community clippings or green manures for plenty of bulk.utes a day to play one-on-one with Each layer should be no more than two inches so that the grass clippings April 11, 2013your child — doing anything he or rectly with family stability and can about donations — even small onesshe wants. We know from studies have a big effect on the emotional — that can be made to support fam- or leaves don’t get matted down to form a layer impermeable to air.that the more parents engage in well-being of caregivers and their ilies in need. Some families need • Keep the compost moist. Either water it yourself or let rain take care ofpositive activities with their children, children. help providing for their children’s it. The compost should be moist, but not soaked.the less they use negative physical ~ Build community trust and to- basic needs. • Cover the compost pile to help retain moisture and heat. This will alsoand psychological discipline. getherness by inviting friends to ~ Contact your local child welfare help prevent the compost from being over-watered by the rain. ~ Tell the children or youth in your participate in a meaningful cultural and family-serving agencies and ask event in your life. Helping people • Turn the compost pile with a shovel or a fork to aerate the pile. It islife how much you care for them about volunteer opportunities. Each learn about your culture may help of us has a role to play in creating important to water the pile as you turn it as well. Turning the pile addsand appreciate them. All childrendeserve to have someone who is them understand that despite some safe and healthy communities for oxygen to the compost which is necessary to get the most out of your“crazy about them” and loves them differences, we have a lot in com- children. pile.unconditionally. mon — especially the need for sup- ~ If you have reason to believe a • Once you add the compost to your garden, you’ll be ready to start ~ Work with the kids in your life to port now and then. child may be at risk of harm in their planting in two to five weeks! Seabee Courierexplore their heritage and learn ~ Be a resource and “sounding home, call your local child abuse You can learn more about composting, mini farming, and self-sufficiencytheir family’s story. Every family has board” for a dad who is separated hotline. Anyone who is worried at rich story to tell and our connec- from his children. Dads provide about the well-being of a child can Composting is the first easy step to helping the environment while grow-tions to our past help us carry for- qualities and benefits for their chil- call to report their concerns. dren no one else can. Naval Construction Battalion Cen- ing your own food. So make the most out of your garden, and start dig-ward our values and traditions. ~ Arrange a potluck event in your ter (NCBC) Gulfport will formally ging. ~ Connect with grandparents topreserve cultural heritage. Grand- neighborhood to get to know other proclaim its position in the fightparents are an incredible source of parents and their kids. Friends and against child abuse with a proclama-cultural heritage — from traditions neighbors can give outstanding sup- tion signing April 18 at 2:30 p.m., atto language to food! Encourage port to families in times of need or the Fleet and Family Support Center,them to tell stories to their grand- stress. building 30. All NCBC military, civil-children and even visit their schools For your community: ian employees and family membersto share where they come from. ~ Sponsor, volunteer at or partici- are invited to witness the signing. 7
  8. 8. ‘The Meat & Potatoes From DEBT page 2 are a number of government programs available to help. For example, the Income Based Repayment (“IBR”) program allows you to of Life’ index your public loan payments to your annual income. The IBR program is a great option to begin making small but qualifying payments without going into default. In addition, the IBR program will forgive the remainder of your public By Lisa Smith Molinari loans if you make 120 continuous payments while employed in a government or Military Spouse Contributer public service job. In other words, by making a payment every month on time for ten years, your entire public loan balance will be forgiven no matter howHow many idiots does it small the payment or how much is left. The catch: you must stay in the military or work in a qualifying public service capacity in order to take advantage of the loan forgiveness feature.take to fill out a 1040? at the Naval Postgraduate accurately calculate all income As of December 2012, there’s another option called Pay As Your Earn (“PAYE”) that builds upon the IBR program and provides some additional benefits to qual- ifying borrowers. Unlike public loans, private loans do not qualify for the pro- grams described above. Instead, you typically have to work out a repayment School was entitled “Congress, and deductions. Somehow, my schedule with each individual loan provider. Defense, and the Deficit: An husband and I still have no idea As military service member, however, you have an extra arrow in your quiver Analysis of the FY 1996 Budget what is going on. via the Service Members Civil Relief Act (“SCRA”). The SCRA allows you to re- Process in the 104th Congress,” “Do we qualify for the child duce the interest rate on student loans of all types to 6%. This is potentially but he couldn’t tell the differ- tax credit?” I asked, as my hus- huge savings over the life of the loan, particularly with regard to expensive pri- ence between short and long band slurped his coffee. “Heck vate loans. The SCRA also allows you to place loans into military deferment term capital gains if his retire- if I know . . . just do whatever during your active duty service. Although a great option for struggling families ment depended on it. we did last year, that seemed to that simply can’t make qualifying payments, military deferment is not the right But every year, we begrudg- work” he said nonchalantly. choice for everyone. Loans in military deferment continue to accrue interest ingly spread out our paperwork “I forget, do we have Roth even though you are not required to make payments. The only exceptions are and somehow fulfill our obliga- IRAs or regular IRAs?” I said a subsidized public loans, which do not accrue interest during military deferment. tions as taxpayers. few minutes later. Riffling “Oh crud, we need to do our Moreover, loans in military deferment are not eligible for the IBR and PAYE pro- One year, we wanted to act through a pile of papers, mytaxes,” I recently exclaimed to grams. Finally, the interest accrued is “capitalized”, meaning the interest is like grown ups, so we hired an husband found our statements,my husband, as I do every year rolled into the principle, which results in the loan growing exponentially faster accountant while stationed in which might as well have beenaround this time. each and every year of deferment. So be careful. Norfolk. He was a charming written in Chinese. “Roth, but After exhausting every reason Finally, all loans can be consolidated, which can provide you with a simplified southern gentleman with blue what on Earth is a ‘recharacter-to procrastinate – cleaning out payment process and an overall lower interest rate. But be careful. Consolidat- eyes, silver white hair and a ized contribution?’”the vegetable drawer, perusing ing public loans with a privately held company can dramatically limit your op- matching tidy moustache. He My eyes started to cross as Iold Hickory Farms catalogues tions, and consolidating pre-service loans will negate your ability to take called me “ma’am” and politely tried to decipher our mutualleft over from Christmas, clip- advantage of the SCRA. sat with us one balmy evening fund papers. “Is ‘cost basis’ theping toenails, surfing E-bay for Step 3: Develop a Plan - Now that you’ve determined how to best take advan- in the early days of spring. Over same as ‘purchase price?’” Ivintage bar signs, napping – we tage of the options available for each of your loans, it’s time to develop a plan the season’s first lemonades, said, searching my faded mem-finally faced the music. for the future. I find that the biggest impediment for most people is simply we casually chatted about our ory bank. “I don’t know, just Coffee and a folder haphaz- keeping track. The maze of websites and the frequency at which student loans finances, and he gathered all punch in $200 and see what April 11, 2013ardly filled with paperwork in change ownership is frustrating and confusing for even seasoned professionals the information he needed to happens,” my husband sug-hand, my husband and I reluc- to keep up with. prepare and file our returns. It gested.tantly plopped down in front of Luckily, there are number of cheap solutions to these problems. I recommend was so easy, we wondered why After four hours, two pots ofour computer to complete the that my clients enlist the help of a money management program such as we hadn’t been doing it this coffee, three calls to our finan-dreaded annual tax forms., Personal Capital, Quicken, YNAB, or one of the many others available. way all along. cial manager, and at least a We haven’t had the best luck Both and Personal Capital allow you to see the status of all of your fi- The next year, we tried to dozen choice expletives, we fi-preparing our tax forms over nancial accounts at once, which can take the hassle out of managing modern fi- contact our charming account- nally figured it all out and duti-the years, and are conditioned nances. Both are free and have smartphone apps that allow you to view your ant to do our taxes again, but fully sent our forms off to Uncleto avoid the experience. De- entire financial situation on the go. Programs like Quicken and YNAB cost a lit- strangely, he never returned Sam.spite my law degree and my tle more, but also provide powerful budget forecasting options that allow users our calls. We won’t get our return checkhusband’s master’s degree in fi- to project financing and budgeting decisions into the future. Combining a budg- We soon found out that he for several weeks, but rest as-nance, neither of us ever eting tool like Quicken or YNAB with a free tracking program like or couldn’t call us back because he sured, we’ve already spent it, Personal Capital puts users firmly in control of their financial futures. Seabee Couriergrasped the simple concepts was locked up in the big house. and lost the receipt. When ourrelevant to our personal income Finally, Sallie Mae -- the biggest servicer of publicly held student loans -- re- Turns out, our southern gentle- bank statements arrive, wetax forms. cently introduced the Upromise program, which merits an entire article in itself. man was politely holding him- won’t know how to balance the In law school, I took a course In general, Upromise offers a number of options to help chip away at your stu- self out as a CPA without a checkbook. And next spring,Tax Law and could write a dent loan balances such as special reward credit cards, online savings accounts, license, embezzling from we’ll be back in front of ourscholarly paper on whether the and much more. It’s worth a look. clients, and obtaining money computer, dazed and confusedfederal income tax is a direct The bottom line is that no matter how bad the situation you have options, and under false pretenses. Oops. all over again. Apparently, theretax or an excise tax based on as a member of the Armed Forces, you have more options than most. When in Back to the drawing board. are a few more things in lifethe Sixteenth Amendment and doubt, talk with your local military legal assistance provider to learn more about Since then, we have been that are certain aside fromthe Supreme Court’s opinion in those options and good luck. using Turbo Tax, a seemingly death and taxes.the Pollock case, but I struggled This article is not intended to substitute for the personal advice of a li- idiot-proof program which leads Get more wit and observationswith my 1040EZ. censed attorney. Contact the Naval Construction Battalion Center (NCBC) the user through a simplified from Lisa at her blog, http://the- My husband’s master’s thesis legal office by calling 228-871-2620 for an appointment. series of questions designed to meatandpotatoesof- 8
  9. 9. Focus on EducationLess than 9 weeks to reach Coastline Community College to hold early summer registration Coastline Community College will hold early registration for their summer term (June 18 - Aug. 11)the school year finish lineFrom Kevin Byrd from April 9 - May 28. For additional information, contact Dr. David Drye in the Navy College Offi- Make up practice questions or take prac-NCBC School Liaison Officer tice tests: Knowing the format and style cer, building 60, room 239 or at 228-871-3439/2785 or at the website, With less than nine weeks remaining in of a test can reduce anxiety. Encouragethe school year, fewer for seniors in high students to always ask their teachersschool, does your child need help getting about how the test will be formatted.over the end of the year hump? Get a good nights sleep: Lack of offers help with homework, contributes heavily to anxiety. Be surestudying, and test preparation in more your child goes to bed on time the nightthan 16 subjects from elementary math to before an exam.physics. Eat a healthy breakfast: Blood sugar is This program is provided by the Depart- at its lowest in the morning. In order toment of Defense. Authorized patrons in- think and problem-solve effectively, stu-clude U.S. active duty military service dents need to refuel.members, Reservists, National Guard per- Read through the exam to budget time:sonnel on active duty in a deployed sta- By looking over the test, your child cantus, DoD civilians in a deployed status, avoid any unexpected surprises (and anxi-and all authorized dependents. ety). Previewing also insures finishing in If your student has become bogged the allotted time.down in a particular course can Read all directions: Some students areprovide FREE, unlimited access to online so anxious to get the test over with thattutoring. Expert tutors are ready to help they fail to read the directions.students of all ages—from K-12 to college Jot notes: Jotting down brief notes rightto adult learners—one-to-one in math, away can help your child feel less anxiousscience, social studies and English, as well about forgetting important facts or key in-as with resume writing, and interview formation. Some students write impor-preparation. Help is available 24 hours a tant formulas or critical dates in theday, seven days a week. margin as soon as they receive their test To obtain assistance, students simply papers.enter their question and become con- Answer easy questions first: Getting thenected to a tutor in an interactive online easier questions out of the way buildsclassroom where they will work one-to- self-confidence and allows your child theone until the problem is solved. time to focus more clearly on the harder All tutors are screened, certified and questions.background-checked. All sessions are April 11, 2013 Organize thoughts before writing: Stu-recorded and reviewed for quality control. dents who organize their writing re- To access the program, log in to Navy sponses before they start writing typicallyKnowledge Online account and click on score higher. Having a plan or even athe REFERENCE tab. Look for the short outline insures a well-structured box in the right column, and sponse which hits all the main on the links "Kids and Teens" or Think positively: Negative thoughts dur-"Adults" to get a tutor. Authorized users ing a test (e.g., "Im going to fail") canwill then follow instructions on the Web not only destroy your childs confidence,site for password and login information. but also take up valuable time which It is also about this time that the pres- should be used to concentrate on thesure to get high marks on exams kicks in. test!Students who get nervous before a test Using these tips wont necessarily keep Seabee Couriershould be encouraged to try the following anxiety away completely. However, prac-tips and strategies for keeping anxiety ticing these techniques can give your childdown and energy up for the next big the right skills to manage test stress whenexam. it does happen. Hopefully a combination Dont cram: Studying like crazy the of tutoring through and practic-night before an exam can leave your child ing these test tips will help your childexhausted and more stressed out than achieve success and readily promote tobefore. the next grade. NCBC School Liaison Officer, Kevin Byrd is located at MWR, Building 352, 1706 Bainbridge Ave., NCBC, 228-871-2117 (office), 228-224- 4521 (cell) or email: 9
  10. 10. FREE Movie bring the whole crew! Stop by the Program at the Snack Bar on your way in to get that Training Hall: buttered movie popcorn and those Take a load off. other goodies that help you get lost Sit back and in the moment. Forget what was watch the big playing? No worries - put the movie screen all by yourself for some alone hotline in your phone, 228-871-3299 time, or make it a family night and and call anytime! FREE Movies at the Training Facebook or call the movie Hall have been suspended line 228-871-3299 for updated until further notice. scheduling. We apologize for Please continue to check the inconvenience. time for dinner. Ship Island Ex-Fitness cursion tickets are now on sale fully equipped video game room. 228-871-4009 for info. ice and good times are what you CDC Fitness Intramural sports at ITT at great low prices for Liberty also provides FREE shut- can expect at Anchors & Eagles.makes working out fun. This adults and children. Vouchers tles to shopping and dining Food and Beverage Open Tuesday - Thursday 2 - 9season, sign up for softball or are valid now through October areas and an exciting monthly Don’t let a busy work week p.m. and designated for chiefsthree on three lunchtime basket- 27. Ship Island is located eleven calendar of trips offered at dis- ruin your eating habits. The Grill and officers. Stop by and shakeball. Get a group together and miles offshore and consists of counted rates. Call or visit NCBC has healthy food options on the off the day with comrades.motivate each other to push that Mississippi’s undeveloped barrier Liberty on Facebook for hours of menu. Just look for the apple!work out a little further with islands. Call ITT today for more operation and additional details. Need a menu for your office or Youth Activitiessome healthy competition. Sign details. Search NCBC Liberty. want to place a delivery order,up today at the Fitness Center. On a budget? No worries - you Do you just need to get away call 228-871- 2494. The Grill is Don’t miss Big Screen Movie Spring can be a busy time on can still afford to get away with from base? Hitch a ride with the open Monday – Friday from 6:30 Night Friday from 6 – 9 p.m. Forthe job. Find balance and relax- ITT’s military discounted prices Liberty Center. Liberty is offering a.m. – 1:30 p.m. and offers only $2, enjoy popcorn and anation in yoga class. The CDC Fit- that aren’t available anywhere a FREE shuttle to the Edgewater lunch delivery 11 a.m. – 1 p.m. exciting film with all yourness Center offers morning and else – not even online. Design a Mall on Thursday. The shuttle Don’t skip the most important friends.afternoon yoga classes for your fun-filled, high quality custom departs at 6 p.m. meal of the day because you are On Saturday from 9 a.m. – 3 April 11, 2013convenience. Improve your bal- trip for you and your crew. Tired of eating at the same in a rush? Call your order in at p.m., get out of the house forance, strength, flexibility and Whether you have a day or a places or in your room? Hop The Grill and it will be ready the Youth & Teen Scavengerposture all in one with a yoga week, there is fun around the aboard the FREE Liberty shuttle. when you get there. The Grill is Hunt Extreme. The Hunt is onlystyle that promotes intensity and corner at the local breweries, Liberty is offering its Downtown open as early as 6:30 a.m. and $5.relaxation. beaches and hotels. Mobile, New Long Beach Dinner Dash on Fri- offers a variety of tasty options There is always something fun Summer is right around the Orleans and Pensacola are only day; departing at 6 p.m. from French toast plates to to do at the YAC. On Tuesday,corner. Are you ready for the a short distance away. Stop by breakfast burritos or traditional take your pick between Scooterbeach? The CDC Fitness Center today to design your worry free Navy Outdoor Rec eggs and bacon. The Grill is lo- Races or a Basketball Hot Shothas everything you need to help adventure. You can be sure to find the cated at the corner of Colby and Challenge. Events are from 5:30lose pounds, tone up target Visit Disney World or enjoy an best prices around at NOR. Stop 7th Street. - 8:30 p.m. and are absolutely eareas or just plain feel better. exciting Disney Cruise where by and pick up a price list for all Anchors & Eagles: Great serv- FREE!The Center has top of the line dreams come true! Stop by ITT of your spring outdoor planscardio and strength training beside the NEX and receive a from boats and camping gear to MWR Program contact information Seabee Courierequipment and plenty of it - so FREE child’s Disney growth chart party favorites like bounceyou don’t have to stand around the last Wednesday of every houses. NOR’s pricing can’t be Anchors & Eagles 228-871-4607waiting for machines. There are month. Call 228-871-2231. beat. NOR is open Monday, 8 Auto Skills Center 228-871-2804also racquetball and basketball a.m. – 1 p.m., Thursday and Fri- Beehive All Hands Club 228-871-4009courts, softball and soccer fields, Liberty Center Child Development Center 228-871-2323 day 10 a.m. – 6 p.m. and Satur- Fitness Center 228-871-2668and a running track. Equipment The Liberty program offers day 7 a.m. – 1 p.m. Information, Tickets & 228-871-2231is available for rental at the front multiple recreation opportunities Don’t sit around in your room Traveldesk. And don’t forget to finalize for the single sailor or unaccom- bored when you could be having Liberty Center 228-871-4684that healthy routine with a relax- panied active duty personnel of Seabee Heritage Center 228-871-3619 fun with friends at the Beehive. Navy Outdoor Recreation 228-871-2127ing visit to the sauna. NCBC Gulfport. This FREE facility Sit back and enjoy the flat Shields RV Park 228-871-5435Information, Tickets has Wi-Fi, pool tables, individual screens, play a little pool, and The Grill 228-871-2494and Travel TVs with headphones that play just have fun! With an excellent Training Hall 228-871-4750 cable or movies, a big screen Youth Activities Center 228-871-2251 beverage selection, you are sure Main Office 228-871-2538 Visit an island and be home in with recliners, computers and a to find your preference. Call 10
  11. 11. NCBC Helping Hands volunteer opportunitiesRAMP FOR DISABLED CHILD - There is an FLORENCE GARDENS 5K RUN - Twelve welcome them home. Uniform for the event training sessions will be April 24 -30 in the 14, 15 and 16 to serve as proctors. Volun-urgent need for three volunteers to construct volunteers are needed for the Florence Gar- will be Type I or III. Muster for the morning is Counselor’s office. If you are unable to at- teers are asked to report to the school byan ADA compliant ramp in Gautier for a child dens 5K Run April 13, 4 p.m. All proceeds will 5 a.m. The evening time is still to be deter- tend proctor training on the dates listed, 7:30 a.m. Please contact Stephanie Schep-with disabilities. If you can help, please con- benefit Make a Wish. Volunteers are needed mined, but in the past it has been approxi- other arrangements can be made. To volun- ens, 228-365-0204 for more information.tact Cynthia Singletary, 228-388-2401 or csin- to assist with parking, registration, water sta- mately 6:30 p.m. Contact Chief Ryan Wilber teer, please contact Sherry Johnson, 228-864- CENTRAL ELEMENTARY SCHOOL - . tions and other key components of the race. at ASAP if you wish to 8944 or teers are needed to serve as proctors at Cen-USO GULF COAST - The USO Gulf Coast Florence Gardens is located at 12321 Preser- volunteer. PASS CHRISTIAN BOYS & GIRLS CLUB tral Elementary School, 1043 Pass Road,needs 14 - 16 volunteers to work at the USO vation Drive Gulfport. If you are interested in SMOKIN’ THE SOUND AND SMOKIN’ THE SOFTBALL BENEFIT- Four volunteers are Gulfport, for state testing May 14 - 17. If youinformation at the Gulfport - Biloxi Interna- volunteering, please contact Vicki Parkhill, LAKE - Smokin’ the Sound and Smokin’ the needed to serve as umpires at the “Bases are able to help, please contact Jessicational Airport. The desk will be staffed seven 228-539-5039, ext. 6 or email www.florence- Sound, April 26 - 28, and Smokin’ the Lake, Loaded for Boys and Girls Club Adult Co-ed Mitchell at jessica.clincy@gulfportschools.orgdays a week between 8 a.m. - 6 p.m. Volun- May 4 - 5, are returning to the Mississippi Softball Tournament,” May 4. The tournament or 228-865-4641.teer shifts will be five hours long (8 a.m. – 1 BRANTLEY GILBERT CONCERT - The Gulf Coast. Race organizers are asking for will be held at Klondyke Road Fields, Long FIELD DAY VOLUNTEERS - Bel-Aire Ele-p.m. and 1 p.m. – 6 p.m.) Volunteers are re- Seabee Ball Committee is looking for 50 vol- volunteers to sell and attach wrist bands to Beach. Teams are also welcome - fee is $150 mentary School, 10531 Klien Road, Gulfport issponsible for greeting guests, directing them unteers to support the Brantley Gilbert Con- event spectators, director spectators to view- per team. Parties interested in volunteering or asking for 40 volunteers to help out at theto the USO lounge and answering general cert, April 18 at the Coast Coliseum. If you ing areas and perform other volunteer serv- entering a team can contact Leah Ladner, Bal- school’s Field Day May 17, 7 a.m. - 2:30 p.m.questions about local hotels, restaurants, are interested, please contact LT Nathan ices. Volunteers will be provided with a four Beatty Communities, 228-863-0424 or Volunteers will assist with running the games,casinos, and events in the area. Resources Chenarak (new Seabee Ball officer in charge) meal. If you are interested in volunteering, helping out at the concession stands and su-will be provided to volunteers to assist with at please contact Chief Ryan Wilber at LONG BEACH SCHOOL DISTRICT has re- pervising the bounce house. If you are inter-recommendations. To register to volunteer HONOR FLIGHT - The April 23, Honor Flight or stop by the NCBC quested proctors for the May State tests. ested, please send an email toplease visit is in need of 62 volunteers in the morning to Public Affairs Office, building 1, room 205, no Contact Christ Spinks, Assistant Superinten- CENTRAL MIDDLE SCHOOL - help the veterans as they arrive at the Gulf- later than April 12. dent, at 228-864-1146 for information. COAST SALVATION ARMY NEEDS VOL-GCMS, 1310 42nd Ave, Gulfport is asking for port airport, and 200 or more that evening to NORTH GULFPORT 8th GRADE PROC- ORANGE GROVE ELEMENTARY - Orange UNTEERS - Volunteers are need for various10 proctor/hall monitors April 10, from 7:30 - welcome them home. This is a big event for TORS - North Gulfport 8th Grade, 4715 Illi- Grove Elementary, 11391 Old Highway 49, projects throughout the year. Contact11:30 a.m. Contact Erwin Gilliam, Guidance the community and we have historically been nois Avenue, Gulfport is looking for test Gulfport is in need of six volunteers May 1, to Shawna Tatge for info, Shawna_Tatge-Counselor, 228-870-1020. the first to greet the veterans and the first to proctors for May 1, 14, 15 and 16. Proctor serve as test proctors and 35 volunteers, May Seabee Memorial Chapel Chapel Offerings Looking for a church? The Seabee Memorial Chapel holds services every Sunday that might suit your needs. Protestant Services include a Gospel Service at 8 a.m. and Divine Worship Service at 10:30 a.m. Catholic Services include Catholic Mass at 9:30 a.m. There is also Catholic Mass Tuesdays at 11:15 a.m. Seabee Pantry The Seabee Pantry needs restocking. During the holidays, the need for food donations is at its highest level. Please donate as many canned goods and other nonperishables as possible. Donation drop-off sites are located at the Navy Exchange, Chapel, Commissary, Fleet and Family Support Cen- ter and Armed Forces Retirement Home. The Seabee Pantry is for April 11, 2013 anyone affiliated with NCBC. Praise and Worship The Seabee Memorial Chapel is looking for new members for the Praise and Worship Team for the Divine Worship Service at 10:30 a.m. Sundays. If you can sing or play an instrument, you are invited to come share your gift. Women’s Bible Study Women’s Bible Study is held Wednesdays at 11 a.m. at the Seabee Memorial Chapel. Free child care is available. For more information on all offerings that are available, contact the chapel at 228-871-2454. Seabee Courier Center Chaplains: From Chief of Naval Personnel - Military Pay Sys- Lt. Cmdr. Paul Smith, Protestant Chaplain tem Audit . . . The Department of Defense Military pay Lt. Yoon Choi, Protestant Chaplain system will undergo a scheduled audit in the near future. Part of the audit includes verifying pay transactions and For information concerning other faith groups, ensuring personnel documents, including Leave and call the chapel office at 228-871-2454 Earnings Statements, are updated in Official Military Per- Services: Gospel Service: 8 a.m. sonnel Files (OMPF). Service members are asked to en- Sunday Catholic Mass: 9:30 a.m. sure LES and OMPF files are accurate and up to date. Weekday Mass: Tuesday, 11:15 a.m. Questions regarding the audit may be forwarded to CCL- Divine Worship: Sunday, 10:30 a.m. 11