Many of you may be receiving this magazine for the first time. This is our fifth issue but the first one that we havedirect mailed to this many people. We’re very excited about increasing our reach and hope that you enjoy our MWR Lifefor Retirees magazine. Please let me know what you think. You can email comments and suggestions to mwrliferetiree@fortcampbellmwr.com. If there are any writers out there –we would love to hear from you! We are alwayslooking for new “voices” to add to our content.

There are many ways to stay in touch with what’s happening on Fort Campbell. You can visit our website at www.fortcampbellmwr.com and you can “Like” us at www.facebook.com/fortcampbellmwr and follow us on Twitter@FortCampbellMWR. Watch our videos on www.youtube.com/FortCampbell101. You can listen to our radio shows onWJZM 1400 AM and WVRY 105.1 FM on Fridays from 8:30 a.m. to 9 a.m. and on WJZM from 10 a.m. to Noon (if you liveout of reception range, you can listen online at www.wjzm.com) or sign up for eNews – this is a weekly electronic newsletter that is sent directly to your email. You can find the link to register for eNews on the homepage of our website. You are always welcome to call me at the number listed below! Enjoy this issue – and we will continue to sharefuture free issues with you as they are published. Thank you for your service to our Nation!

EditorCynDe Clack

ContributorsChristopher BolivarLTC Scott DeitcheTed FaulknerTara GoodsonJenelle GrewellRamon M. MaisonetMandy Mullaney

PublisherCreative ink

Creative DirectorSears Hallett

Advertising931-801-4531 sales@creativeinktn.com

PhotographyChristopher BolivarCynDe ClackJenelle Grewell

Thinkstock pg 16

Shutterstock pgs 8, 11, 17, 19, 20

Disclaimers:Fort Campbell’s MWR Life Magazine is a monthlymagazine produced by the Fort Campbell MWRMarketing Department under the authority of AR215-1. Facilities and activities publicized are opento authorized patrons.The mention or appearanceof commercial advertisers, commercial sponsorsand/or their logos does not constitute endorsement by the Federal Government. The information in this issue is current at the timeof publication; activities and events are subject tochange.

MWR Marketing is located at 5663 ScreamingEagle Blvd, Fort Campbell, Kentucky. For moreinformation, call 270-798-7535 or log on towww.fortcampbellmwr.com.24 hr. event line - 270-798-3172 www.facebook.com/fortcampbellmwr

Inside this issue3 Fort Campbell’s New Commanding General

A message from MG Volesky.

4 Recognizing RetireesCSM Mark Herndon RetiresA look back at Mark's military career.

6 Soldier for LifeWhy it’s Good to be a Soldier for LifeA Retiree has access to the SFL-TAP campus.

7 Spotlight on MWRRenovating for YouImprovements and changes to MWR facilities.

8 TricareSupplemental Insurance PlansDo you need one?

11 In the KitchenIt’s Apple SeasonFruit facts and delicious recipes.

14 Our CommunityAUSA’s Voice in WashingtonThe “Voice of the Army” is working for Retirees too.

16 In the KnowSuffering from Arthritis?Millions of veterans are affected.

17 Body, Mind & SpiritDating After RetirementCompanionship during retirement years.

18 Healthy LivingWater WorkoutsWater aerobics are a great option.

19 Tech World5 Common Cyber-ThreatsHow to fight back.

21 Off the Beaten PathThe Joy of Home BrewingMove past the kit you got last Christmas.

CynDe Clack, Editormwrliferetiree@fortcampbellmwr.com(270) 461-0274

Hello Military Service Retiree!

3

Welcome

Fort Campbell recently hosted Command Sergeant Major Mark F. Herndon’s ceremony to recognize his retirement from distinguished military service. CSM Herndon entered military service in 1983 in Murray, Kentucky and went through Advanced Individual Training (AIT) at Fort Rucker to become a utility helicopter mechanic (UH-1H). His first assignment was with C Troop4-9 Cavalry, 6th Cavalry Brigade, at Fort Hood. In 1985, he was assigned to Camp Stanley, Korea as a UH-60 crew chief in B Troop 4-7 Cavalry, 2nd Infantry Division. Upon reenlistment, his next duty assignment was Fort Campbell, where he was a UH-1H crew chief inHeadquarters and Headquarters Company (HHC), 2 INF BDE FlightPlatoon. Later the unit was designated as 123 Aviation Battalion andfinally activated as 6th Battalion, 101st Aviation Regiment. Whilestationed at Fort Campbell, CSM Herndon deployed to Honduras, El Salvador and Panama. Following this assignment, he was selectedto be an Army recruiter with his first recruiting station in Dalton,Georgia, then Nashville.

In 1990, he was assigned to 5th Battalion, 158 Aviation Regiment, where he participated inOperation Provide Comfort in Turkey,the Beirut Air Bridge Mission inCyprus and Operation Restore Hope(Somalia, 1992). Later in 1993, he wasassigned to the United States ArmyPriority Air Transport (USAPAT) JETSas the Detachment First Sergeant(1SG) as well as the senior enlisted Standardization Flight Instructor.Later, he was selected to be on the initial evaluation and selection teamfor the UC-35 Jet Transport Aircraft.His next assignment in 1996 was to DCO, 228 AVN REGT Soto Cano, AB Honduras, where he was the Production Control NCOIC until his next assignment to Fort Campbell, in 1997. He was assigned to C Company 6th Battalion,101st Aviation Regiment as the Company 1SG then later transferredto HHC as the 1SG. In 2001, he was reassigned to Camp Eagle, Koreaas the A Troop 1-6 Cavalry as the Troop 1SG. Immediately, following

this assignment he attendedthe Sergeants Major Course(SMC) at Fort Bliss, whereupon completion he was promoted to Sergeant Majorand assigned to 2-17 CavalrySquadron here at FortCampbell. In 2003, he deployed with 2-17 CAV insupport of Operation IraqiFreedom (OIF) I to Al Qayarrah West Airfield, Iraq.In Aug 2005, he deployedwith 96 ASB in support ofOIF IV. In May of 2007, he

assumed duties as the Command Sergeant Major of the 101st Combat Aviation Brigade, and deployed in support of Operation Enduring Freedom (OEF) IX. He served as the Garrison Command Sergeant Major of Fort Campbell, from April 2009 thruSeptember 2012.

CSM Herndon is authorized to wear the Legion of Merit, BronzeStar Medal (3rd Award), Meritorious Service Medal (3rd Award),

Joint Service Commendation Medal,Army Commendation Medal (4thAward), Joint Service AchievementMedal, Army Achievement Medal (9thAward), Good Conduct Medal (8thAward), National Defense ServiceMedal (w/Bronze Star), Armed ForcesExpeditionary Medal (w/Bronze Star),Iraq Campaign Medal (w/Bronze Star),Afghanistan Campaign Medal (w/Cam-paign Star) Global War on TerrorismExpeditionary Medal, Global War on Terrorism Service Medal, Korean Defense Service Medal, Armed Forces

Service Medal (Macedonia), Valorous Unit Award, Joint MeritoriousUnit Award (3OLC), Meritorious Unit Citation, Combat Action Badge,Master Aircraft Crewmember Badge, Air Assault Badge, and the U.S.Army Recruiter Badge. He earned a BS Degree in Administration andManagement, as well as an AAS in Aviation Maintenance.

CSM Herndon’s career exemplifies his dedication and commitment to Soldiers and Families. As Garrison Command Sergeant Major,Herndon was often present atcommunity events and activities. In over 14 years stationed at Fort Campbell, hisrole switched from a Soldierbased directive to a Familycentric one and back again.With the mindset of “missionfirst and Soldiers and Familiesalways,” he will be missed inhis role as a senior leader atFort Campbell.

Recognizing Retirees

By Tara Goodson

Dedication to Service

“Without a doubt, I enjoyed every single day of my career and wouldn’t

have it any other way. I looked forwardto going to work everyday and my

personal sacrifices were not about myFamily, it was always about the future

of our Army.”

4www.fortcampbellmwr.com

6www.fortcampbellmwr.com

Maybe you’ve taken some time off since retirement, butyou’re getting tired of that “Honey Do” List. Or maybe you acceptedan overseas contractor position right out of the military but areready to stay state-side for a while. Perhaps when you left the service, all you were given was a DD214 and a “good luck” handshake on your way out the door.

Regardless of how you’ve ended up at the intersection “20+ years in service” and “I need a job,” it can be a scary place tobe standing. You’re about to come face-to-face with online job applications, scanning and uploading your resume, Skype interviews and questions about your LinkedIn account.

Are you ready? If the answer is “No, heckl no!” don’t be intimidated. We’re here to help.

The Soldier for Life – Transition Assistance Program (SFL-TAP), formerly known as ACAP, works in cooperation withthe VOW Act of 2011 to ensure every Soldier, regardless of rank orreason for separation, knows about the benefits they are entitled toas a veteran and is ready to take on the current job market.

Our new transition campus on Fort Campbell, located at buildings 5661 Screaming Eagle Blvd and 5668 Wickham Ave,were recently renovated to accommodate Soldiers as they exit theArmy. Within building 5661, we house over 20 career and financial counselors who work one-on-one with transitioning Soldiers to perfect their resumes, hone their interview skills andanalyze their post separation financial needs. Also within 5661 youcan find the 101st Reserve Component Career Center which assistSoldiers with continuing their service in the National Guard andReserves, and 10 Department of Veterans Affairs contracted Benefits Experts to assist with maneuvering through VAissues.The Army Transition Liaison Office is also located in 5661.Within building 5668, we have 10 Department of Veterans Affairsgovernment employees and three Veteran Services Organizations: the Veterans of Foreign Wars, Disabled American Veterans, and the TennesseeDepartment of Veterans Affairs, to assist withVA claims processing.

As you can tell, gone are the days of optional workshops and picking upDD214s on the fly. Whether he or shewants to or not, every transitioning Soldier goes through SFL-TAP becauseit’s now mandated by law. Our doors areopen to Soldiers who are 18 months outfrom ETS, 2 years out from retirement, oralready retired.

While the average Soldier retains services for 6 months postseparation, a Retiree has access to all of the SFL-TAPcampus and services for life.

Read on for details about we can offer you –

Every Retiree is entitled to have his or her own record at theSFL-TAP center. This means you have the capability of schedulingas many one-on-one, hour-long counseling sessions with one of ourcareer counselors as you’d like. Your counselor can offer you example resume formats, review a resume that you’ve already written, help you target your resume toward a specific job lead,and help you utilize job search engines. Once your dynamite resume lands you an interview, your counselor can also conduct amock interview, helping you prepare to answer industry specificquestions. Our program is designed for your success, and we’llmeet you wherever you are on your job search journey.

If you aren’t quite ready for one-on-one services, try easing intothe process by attending one of our many workshops. The topicsare tweaked to align with transitioning Soldiers’ current interests,but some regular classes in our 5 to 6 week rotation are: SocialMedia/LinkedIn, Law Enforcement, How to Apply for a FederalJob, and Interview Preparation. Seminars run weekly on Wednesdays from 0900-1030. After attending a seminar, an additional appointment with a counselor can always be made to address follow-up questions and concerns.

Additionally, the SFL-TAP team is proud to sponsor QuarterlyJob Fairs and Wednesday Employer Events. Our Job Fairs are thelargest in the region and boast over 140 employers who each haveat least 10 positions to fill. Our Job Fairs are held at Cole ParkCommons, bringing employers to Fort Campbell who have a local,national, and international reach while covering a variety of industry fields. Wednesday Employer Events, held from 0900-1500most Wednesdays, provide a weekly opportunity to engage withlocal, national and international businesses seeking candidates

just like you. Drop by the Center or visit SFL-TAP onFacebook at www.facebook.com/FortCampbellACAP

for a calendar detailing what companies you canexpect at which events.

Finally, don’t forget that the various VArepresentatives at buildings 5661 and 5668are available to address any VA issues thatyou may have. Schedule an appointmentat (931) 431-0661.

Before you retired, you wore your resume on your chest. Your rank impliedcapability.

We know you’re a Soldier for Life,but now that you’ve hung up your greensuit, let us help you write the resume that

accurately portrays the uniform and Soldier who usedto wear it. Reach us at (270) 798-5000. We look forward to seeing you soon!

Soldier For Life

By: Mandy Mullaney, Soldier for Life – Transition Assistance Program Counselor

Why it’s Good to be a “Soldier for Life”

7

We really took advantage of thispast year and made (or are in the processof making) some great changes and improvements to some of our business facilities – Hooper Bowling Center, ColePark Commons, Southern Buffet, the Coffee Nook, and The Smokehaus atSportsman’s Lodge. Keep reading for allthe details!

Hooper Bowling Center,located at 5380 Tennessee Avenue, replaced their lanes and new furniture willbe coming soon. Revamped party packages and an updated the snack barmenu have also been in effect for a shortwhile. If you haven’t been there lately –go visit! Grab some lunch, bowl somegames, book a party, and play some In-finity Bingo where you can win cash prizesup to $1,000. Hooper Bowling Centeropens at 10 a.m. Sunday through Fridayand at noon on Saturday. They close at 9p.m. Monday and Tuesday, 10 p.m. on Wednesday and Thursday and at

midnight on Friday and Saturday. Thesnack bar is open from 7 a.m. to 8:30 p.m.on Monday, Tuesday and Friday; 7 a.m. to9 p.m. on Wednesday and Thursday; 7 a.m. to 11 p.m. on Friday; noon to 11 p.m. on Saturday; and noon to 8 p.m.on Sunday.

Cole Park Commons, locatedat 1610 101st Airborne Division Road,added a new Grab-n-Go menu availableMonday through Friday from 8 a.m. to2:30 p.m. They offer teas, coffees, juices,energy drinks, sodas, homemade muffins,breakfast sandwiches, gourmet confec-tions, salads, and wraps. You are welcometo call ahead to order and pay and tellthem what time you want to pick it up –now that’s convenient!

Located on Cole Park GolfCourse is a new pavilion that is availableto rent for your special occasion.

Southern Buffet, located inside Cole Park Commons, changed upthe ala carte menu to include favoritessuch as a chicken tender basket, southern chicken salad and added aCBLT Panini, a black bean burger and aturkey burger. You can get a gluten freebun upon request and top your burgerwith smoked Gouda, Havarti, Cheddar orSwiss cheese, jalapenos, corn salsa, pico, mushrooms, guacamole, or add bacon.Sandwiches and baskets are served withyour choice of one of the following sides:fresh fried potato chips, steak fries, sweetpotato fries, side salad, raw mixed vegetables, potato salad or pasta salad.Monday through Thursday, they will offera $5 Blue Plate Special. The SouthernBuffet is open Monday through Fridayfrom 11 a.m. to 1:30 p.m.

Coffee Nook, located insidethe Family Resource Center at 1501William C. Lee Road, is now open Monday to Thursday from 7 a.m. to 1 p.m. with a new menu! They offer teas,iced beverages, coffees, juices, energydrinks, sodas, homemade muffins, gourmet confections, salads, and wraps.

The Smokehaus at Sportsman’sLodge, located at 6633 Sportsman’sLane, is now featuring great barbeque including pulled pork, baked chicken,fried chicken, fried catfish and smokedmeats, including sausage, turkey breast,chicken, and beef brisket. Don’t worry –they still have schnitzel! The all-you-choose-to-eat buffet (in-house only) includes a variety of your favorite home-style side items, a full soup andsalad bar plus your soft drink and dessertselections. The buffet will have a differenttheme each day of the week. Smokehaushas new hours and is now open for lunchMonday through Friday from 11 a.m. to 1 p.m., Dinner is served from 5 p.m. to 8 p.m. on Friday and Saturday and theSunday buffet is from noon to 3 p.m.

They have screened in the deckfor your dining pleasure as well as addeda pergola over the patio.

You can reach The Smokehaus at(270) 798-4993.

As you can see, MWR is updatingand improving our facilities to meet yourneeds. If you haven’t visited one of these locations recently, give them a try. I’msure you’ll enjoy it as much as I have.

By CynDe Clack

Renovating for YouSpotlight on MWR

www.fortcampbellmwr.com 8

Tricare

By Ted Faulkner

TRICARE Prime is no longer available in much of theUnited States as a result of sweeping changes to TRICAREcontract proposals in 2007 that only required bidders to establish Prime Service Areas (PSA) around military treatment facilities (MTF) and Base Re-alignment and Closuresites. This change forced thousands of Retirees off TRICAREPrime and onto TRICARE Standard. While this affects healthcare coverage (which doctors are available and where) it alsodrastically affects how much money Retirees will spend onhealth care. Many Retirees are now on TRICARE Standard,also referred to as “open choice” plans. Open choice plansallow you to visit whatever in-network physician or healthcareprovider you wish without first requiring a referral from a primary care physician. This allowsfor quite a lot of flexibility, but thedrawback is cost.Standard has an annual deductible of$300 for a Family. Inaddition to this expense, Retirees cov-ered under Standardmust pay 25% of allow-able charges (set by TRICARE, and thesecharges are not necessar-ily what the provider ischarging for a service, butthe maximum TRICAREwill pay) for every visit totheir Primary Care Managerand for visits to specialists.One popular method to mitigate some of these costs isto enroll in a TRICARE supplement insurance plan.

First of all, TRICARE supplement insurance plans arenot for everyone, or even for allTRICARE plans. TRICARE Primehas relatively low costs comparedto Standard. Except for a few limited situations, supplementalplans will not save you money if youare enrolled in Prime. But now thatRetirees living in nearly all of Tennessee and Kentucky are nolonger Prime, supplemental plans look much better for thoseon Standard. Also, for Retirees in TRICARE For Life (TFL),using Medicare Part B and TRICARE Standard as their healthcare plans, there is no cost savings by enrolling in a

supplemental. On the contrary, you would lose money every year.

Then why consider a TRICARE supplement insuranceplan? Because out-of-pocket health care expenses, even withTRICARE, can be very expensive. Consider this - the averagecost for a one night stay in a hospital is $1700. TRICARE Standard costs for a hospital stay are the lesser of $708/day or25% of billed charges plus 25% of allowed professional fees.That’s not cheap, but don’t lose hope. TRICARE has a limit onthe maximum out-of-pocket expenses (also called a cata-

strophic cap) that any Retiree willpay in a fiscal year. Currently thecatastrophic cap is $3,000 per fiscal year. This means that in a fiscal year, the most a Retiree will pay out-of-pocket for all cost-shares for appointments,services, in-patient care, etc.plus pharmacy co-pays is$3,000. That is still not verycheap, but it is better than thealternative. How can youlessen out-of-pocket costseven further? Possibly with aTRICARE supplement insurance plan.

TRICARE supple-ment insurance plans areoffered by numerous companies with myriadcosts and benefits. Key isdetermining if the planwill cover the type ofcost-shares you willhave during the yearand do so for less thanwhat you would havepaid for total out-of-pocket expenses. Asyou compare plansyou must remember,depending on yourpersonal health situation, there

may not be a plan that willallow you to “break even” with the

catastrophic cap. But if you can find a plan that coversyour annual deductible, or all of the cost shares you will likelyhave to pay, and does this for less than $3,000 per fiscal year,that may be just the ticket. You must be a smart consumer andperform your due diligence to make sure a TRICARE supplement insurance plan is the right decision for you andyour Family.

TRICARE Supplemental Insurance Plans

11

In the Kitchen

Apples are my favorite fruit because I love apples in almost everythingyou can make apple flavored. My favoritepie is apple pie, my favorite oatmeal isapple cinnamon oatmeal, my favorite fruitcandy is green apple and the list of applerelated foods I love can go on for pages.Not to mention apple themselves are aquick and delicious snack I can simply tossinto my bag and save for later.

I could talk all day about the yumminess of apples but it is also worth itto mention the health benefits of the fruit.The old saying “an apple a day keeps thedoctors away” has some merit to it.

Apples are packed with nutrition!A medium apple has four grams of fiber,only 95 calories and it counts as one cup offruit. Apples can also be a filling snack forthose looking to lose weight because thefiber and sweet taste help curb sugar cravings. That makes apples perfect for mesince I have the worst sweet tooth! This fruitcan also help lower your risk for heart disease and other cardiovascular diseases.

The United States is the secondlargest producer of apples after China. Apples are grown in all 50 states and about 100 different apple varieties aregrown commercially. That would explainwhy apple pie is the most American of all desserts.

Another reason I consider applesmy favorite fruit, aside from their deliciousness and health value, is how theapple has shown up throughout history insome of our most beloved stories. Applescan be a symbol for many things such as peace, beauty, wisdom, joy, fertility, youthfulness and even discord.

In Greek mythology, apples were included in manystories. Hera, queen of gods,owned precious golden applesthat tasted like honey and couldheal, renew themselves and ifthrown would always hit their target. Hercules had to obtainsome of these apples as a part ofhis 12 great labors. Norse mythology has a tale of magicalgolden apples that were guardedby the goddess Idun. These appleswere what kept the gods young. Theapple is often associated with the storyof Adam and Eve from the book ofGenesis when Eve takes the forbiddenfruit from the tree of knowledge ofgood and evil. Snow White ate a

poisoned apple that put her in a deep sleepuntil she was rescued by a prince. The listof stories involving apples goes on and on.It would be pretty easy to say that applesare an iconic fruit.

What is your favorite variety ofapple? My favorite is a Fuji apple which isthe number-one seller in Japan. It has adense, crisp, sweet and slightly tart flavor.These apples are great for eating out ofhand as a snack or adding to salads and applesauce.

Red Delicious is the most populargrown apple in America. The apple is sweetand mild-tasting and is best used in saladsand fruit cups.

Golden Delicious in another popular apple that is also sweet and mild.Keep this apple refrigerated and use forsnacks, desserts and salads.

Gala apples are a semisweet, crispand juicy apple. This apple is perfect foreating out of hand, in salads or paired withsoft, mild cheeses.

McIntosh apples are the third mostpopular apple in America. This crisp, sweet,juicy apple is best during autumn and theyare best apples for applesauce. However,these apples collapse when baked whole orin pies.

The Granny Smith apple would bemy second choice in apple. This greenapple is tart in flavor and resembles the

flavor of a lemon. It is agreat apple to eatout of hand, in salads and excellent for baking.

Are you hungry for apples yet? A multitude of fresh varieties are availableat your local market. If you want the opportunity to pick your own apples instead of stopping by your local grocerystore, middle Tennessee has several orchards you can visit. I would highly recommend calling ahead to any of theseorchards to find out more up-to-date information on hours and what varieties ofapples are available.

Morning Glory Orchard: 7690Nolensville Rd. Nolensville, TN. (615) 395-4088. Tuesday through Saturdayfrom 9 a.m. to 5 p.m.

Red Chief Orchard: 2400 HartsvillePike. Gallatin, TN. (615) 452-1516. Mondaythrough Saturday from 7 a.m. to 1 p.m.

Lovell’s Lacy Orchard and PumpkinPatch: 22850 Coal Creek Rd. Hopkinsville,KY. (270) 269-2242. Call for hours.

With many varieties of fresh applesavailable at the store, why not try out somenew apple dishes? I am not talking aboutapple pie or apple crisp, which I am sureeveryone already has their own favoriterecipes for, but I am suggesting some different and unique apple dishes thatmight just make apples your favorite fruit

too (if they aren’t already).

It’s Apple Season!By Jenelle Grewell

12

Fruit and Bacon Salad2 red apples, cored and sliced2 green apples, cored and sliced2 (11 ounce) cans of mandarin oranges, drained1 cup of seedless grapes6 slices of turkey bacon, cooked and crumbled1 cup of shredded carrots1 (10 ounce) package of mixed salad greens1⁄2 cup of honey Dijon salad dressing

Place apples, oranges, grapes, bacon, carrot and salad green ina large bowl. Toss well with dressing, adding more, or less totaste.

Pork Apple Burgers2 pounds of ground pork1 Granny Smith apple – peeled, cored and chopped1 sweet onion, finely chopped3 cloves of garlic, minced1⁄4 cup of teriyaki sauce 1 egg8 hamburger buns1 (20 ounce) can of sliced pineapple, drained

1. Preheat grill for medium-high heat.2. In a large bowl, mix together ground pork, apple, onion, garlic,teriyaki sauce and egg. If too dry, add some juice from the can ofpineapple slices. Form into eight patties. 3. Lightly oil grill grate. Grill pork burgers for 10 minutes or untilwell done. Toast buns on grill. Serve burgers on toasted bunstopped with pineapple slices.

Apple Oatmeal Cookies1 cup of all-purpose flour1 teaspoon of baking powder1 teaspoon of ground cinnamon1⁄2 teaspoon of salt1⁄2 teaspoon of ground nutmeg1⁄2 cup of shortening3⁄4 cup of white sugar2 eggs1 cup of rolled oats1 cup of diced apples without peel1 cup of chopped walnuts

1. Preheat oven to 350 degrees F.2. In a large bowl, cream together the shortening and sugar. Beat inthe eggs until well blended. Combine the flour, baking powder, cinnamon, nutmeg and salt; stir into the sugar mixture until wellblended. Fold in the walnuts, oats and apples. Drop dough by spoonfuls about 2 inches onto ungreased cookie sheets. 3. Bake for 12-15 minutes in the preheated oven. Let cool on wireracks.

www.fortcampbellmwr.com

1. 101st Airborne Division Headquarters2. 19th Hole (Cole Park)3. Army Community Service (ACS) & ACS Director4. Army Education Center5. Arts and Crafts Center, Guenette6. ASYMCA Backdoor Boutique7. ASYMCA Family Center8. Auto Service Center, Air Assault Auto9. Better Opportunities for Single Soldiers Program (BOSS)10. Blanch�eld Army Community Hospital11. Bowling Center, Hooper12. Civilian Personnel Advisory Center13. Commissary2. Community Activities Center (Cole Park)30. CYSS, Parent Central Services (Central Registration)30. CYSS, School Liaison38. CYSS, SKIESUnlimited Center14. Dog Kennels17. Dawg Haus (Dining)18. Estep Wellness Center19. Equipment Rental (Gear-to-Go)20. Exchange/Food Court/Mall21. Family Resource Center (FRC)22. Financial Readiness (Army Emergency Relief)

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13

What is AUSA and what do they do?

AUSA is a private, non-profit educational organization that supports America's Army - Active, National Guard, Reserve, Civilians,Retirees, Government Civilians, Wounded Warriors, Veterans, andFamily members. AUSA provides numerous professional developmentopportunities at a variety of events both local and national.

They are your voice on Capitol Hill. They fight to maintain military pay parity; support full concurrent receipt for all disabledRetirees; support stopping the erosion of access to, along with the quality and cost of, health care benefits, both pharmacy and quality ofcare; and they support maintaining the current size of the Army withbudget support.

In their “Where We Stand 2014-2015” statement, they shared,“AUSA will continue to work to ensure that the defense and veterans’ budget funds appropriate pay and benefits that are an essential offset for the unique demands, harsh conditions, and sacrifices inherent in military service.”

Not only do they advocate for veterans, readiness and modernization; they also fight forprograms and funding that will support Families (to include caregivers) and Army Civilians.

What do they do for Retirees?

The AUSA Legislative Priorities in2014 that directly affect Retirees are:

• Limit increases in TRICARE fees/deductibles/pharmacy copays to no more than annual COLA increase.

• Provide funding to increase reimbursement rates to TRICARE and MEDICARE providers to encourage increased provider participation.

• Maintain TRICARE for Life without enrollment fees.• Credit all post-9/11 active duty service toward National Guard and Reserve early retirement.

• Enact legislation to give National Guard and Reserve Soldiers compensation and benefits while on active duty status, equal to Active Component Soldiers.

• Repeal in its entirety the SBP – DIC offset for survivors.• Expand Concurrent Receipt entitlement legislation to include all disabled veterans and those that are medically retired.

• Repeal in its entirety the Department of Veterans Affairs offset on Retirees’ military entitlement (Concurrent Receipt).

• Amend Title 10 to forgive overpayment of retired pay after death of Retiree.

• Protect the full value of Retiree and annuitant pay and benefits.• Fully fund the Department of Veterans Affairs to reduce the backlog of claims and appeals.

But will things really change?

Actually things have been accomplished. Some of their past successes have been:

• Prevention of new co-pays and fees for under age 65 TRICARE beneficiaries.

• Elimination of the SBP – Social Security offset.• Approval of Concurrent Receipt.• Waiver of the Medicare Part B penalties for military Retirees (part of the Medicare legislation).

• TRICARE for Life for over age 65 Retirees and the pharmacy benefit for all beneficiaries.

• Reduction of the catastrophic cap from $7500 to $3000.• Elimination of financial penalties for federally employed Retirees.• Full funding of TRICARE/Pharmacy Programs for all beneficiaries.

Who can join?

AUSA is open to all Army ranks and all components -- including Active, NationalGuard, Army Reserve -- Government Civilians, Retirees, Wounded Warriors,Veterans, concerned citizens and Familymembers. Indeed, AUSA welcomes anyone who subscribes to the philosophy of a strong national defensewith special concern for the Army. Community businesses and defense industry companies are also welcome tojoin AUSA.

Is there a local chapter?

Yes there is. The Fort Campbell Chapterconnects Fort Campbell with the surrounding

communities, both in Tennessee and in Kentucky. When Congress passed a budget that reduced military Retiree pay – the localchapter was there fighting for us. Other campaigns of interest in thelast year have been for continued tuition assistance funding for Soldiers and their Family members, spending flexibility in the funding the Army receives in sustainment, restoration and modernization projects, and continued exchange benefits for veterans.

How can I learn more about AUSA?

The Fort Campbell AUSA chapter holds a 2nd Tuesday Luncheon every month, at The Smokehaus at Sportsman’s Lodge, andyou are welcome to attend. Give them a call at (270) 605-1234 for moreinformation. You can also find them on at www.fortcampbellausa.comor on Facebook at:www.facebook.com/pages/AUSA-Fort-Campbell-Chapter/142623832423317.

If you want to become a member, you can visit www.ausa.organd join online or you can contact the local chapter at (270) 605-1234.

AUSAAssociation of the United States Army

Our Community

14www.fortcampbellmwr.com

By LTC Scott Deitche

Suffering from Arthritis? In the Know

Millions of veterans suffer from arthritis. Sufferers are oftensurprised to learn that there are several different types of arthritis anda vast number of treatments for arthritis joint pain. Generally speaking, arthritis is a condition with localized joint pain caused by inflammation. Years of living with this progressive condition can leadto joint surface changes which, along with the pain, can hinder jointmotion and ultimately limit activities of daily living and even interferewith sleep patterns. Some of the more common types of arthritis include Osteoarthritis (commonly associated with overuse), Rheumatoid arthritis (arthritis related to immune system factors),Gouty arthritis (arthritis caused by gout) and Septic arthritis(arthritis caused by an infection). For the best results, arthritic patients and their health care providers can design treatment strategies which typically include various treatment combinations tailored to the individual’s needs. Treatment strategies can involvecombinations of medications, dietary changes, activity modifications,exercise programs, formal physicaltherapy, occupational therapy, prosthetic equipment and surgery. Itis important for individuals who sufferfrom arthritis to speak with theirhealth care providers in order to identify the cause of their pain and todesign a treatment plan. By adheringto specific treatment plans, individualssuffering from arthritis are able to reduce joint pain, improve joint function and ultimately have a moreproductive life.

Arthritis can affect almost everyjoint in the body and usually presentsaround the age of 50. With that said,there are some differences in how specific forms of arthritis typicallypresent. For example, osteoarthritistends to involve the hands, upper andlower spine, knees and hips. Whenspeaking with your health careprovider, it may be helpful to providecertain details on your joint symptoms. It may also be helpful to report any patterns of symptoms suchas the time of day when your jointsymptoms occur or if they tend to beassociated with certain activities. Itmay be interesting to know that jointpain and stiffness associated with osteoarthritis typically worsensthroughout the day with daily activities while rheumatoid arthritisjoint symptoms tend to present in themorning and can improve somewhatthroughout the day with activity.

Gouty arthritis can affect any joint as well, but more commonly affectsthe joints of the big toe and can be associated with certain types offoods or drinking beer. Many times, individuals note steady increasesof pain and stiffness in their weight bearing joints (spine, knees andhips) with a period(s) of weight gain or from changes in daily activities.It may also be beneficial to provide details on your direct Family member’s bone and joint health since genetics tend to play a key rolein bone and joint cartilage health. Don’t forget to report any past injuries such as broken bones, overuse type injuries from past activeservice, past and current occupational endeavors, past and currenthobbies, activities of daily living and sports. Your provider should alsoreview with you any medications and supplement usage both relatingto and not relating to your joint symptoms.

Once your provider has an understanding of the history of yourjoint symptoms, the next thing he or she will likely do is perform an examination which typically includes evaluating both affected and

non-affected joints, an assessmentof your muscle strength and a review of your past medical careneeds and past surgeries. Fromhere, your health care provider mayfeel the need to order some x-raysand laboratory studies. Once theevaluation and studies have been reviewed, your provider can determine the type of arthritis anddiscuss which interventions are indicated. These interventions mayinclude pain medications, referralsto dietary, physical therapy, sports medicine, rheumatology, orthopedics and brace clinics. Sincethere are currently no cures for the various forms of arthritis, it is veryimportant for people with this condition to adhere to certainlifestyle changes. Through variouslifestyle changes and combinedtreatment strategies, the debilitat-ing symptoms of arthritis can bemanaged to maintain higher qualities of life. Some of the mostimportant lifestyle changes include maintaining a healthy body weight, making efforts tosafely improve levels of physical fitness, being aware of the possibleside effects from regular use of anti-inflammatory medications andscheduling regular visits withhealth care providers.

16www.fortcampbellmwr.com

A friend of mine recently sent me a very funny picture of a manwho appeared to be in his late 60’s sporting a big smile. The captionread, “Men be like, I’m ready to settle down now!” I had to admit, I laughed for days about it thinking, wow, that guy got absolutely all ofhis dating days in, that’s for sure.

It also brought up another thought for me about what is it likefor someone who is actually looking to date when they are retired, ordating after a very long marriage that ends in divorce. Or maybe evensomeone who has been widowed.

Companionship during the retirement years becomes very important as you put your working years behind you. Why? Becauseeverything in life that truly matters can be boiled down to relationships. We were made for relationships. The question of how weget into those relationships through dating is another story altogether.So let’s talk about it.

Dating in your retirement life can be a very awkward and unsettling affair if you’ve not done it in a while.Here are a few things to consider if you are planning to “get back out there,” as they say:

Some things have changed, and some havenot. While social media sites like Facebook, Twitter and Instagram have changed the way thatpeople communicate, there are still some peopleout there that still believe in picking up the phoneand having a voice to voice conversation - you arein luck in that regard. Also, last I checked, it wasstill okay for a man to open the door for a lady, pickup the tab after a meal and be a gentleman.Chivalry is still valued by women.

Speaking of online. According tomatch.com, Americans age 50 and older are thefastest growing demographic on their website, andthey make up 20 percent of their users. This can bea fun and discreet way of looking at dating part-ners, and the website has tools that can help youpresent the very best “you” to potential matches.

The Adult Childrenfactor. If you have adultchildren, they may demonstrate concern overyou dating, but do not let their uneasiness prevent you from doing so. Acknowledge their concerns, but I say presson, senior citizen. PressOn! I shamefully admit thatI was appalled when mymom got back on the dating scene when she was in her early 50’s. Notbecause I don’t love mymother, it was just reallyweird for me, but ultimatelyI accepted the fact that sheneeded companionship.

When you date. Goout on a date to have fun,not to frisk and turn your dating partner into a Law and Order suspect. What I mean is there is no need to get their credit score, debt-to-income ratio and verify their identity on the first date. You areon a date to enjoy their company. You can get to know someonethrough casual conversation and fun story telling. Plus, you’re retirednow; there’s no rush to make this serious—you’ve got time.

Old dogs, old tricks. Consider that in dating people who are 50+,they may be set in their ways and not very willing to change their living habits. Sometimes we have a tendency to think that people willchange once they get into a relationship, and some things they do. Inthis age group however, consider that like Tina Turner sings, “what

you get is what you see.” Old Flames? Consider what happened

to your high school flame or your ex-collegeboyfriend/girlfriend. Maybe things did notwork out back then because you were both indifferent seasons of your life, but you arewiser and more mature now. Maybe thething(s) that kept you apart back then are thething(s) that can reunite and keep you together now. Classreport.org provides freeclass reunion websites for every graduatingclass of every high school, with free access forall class members. Go online and give it a try.Opportunity knocks softly. The more active

you are in the community, church, or localevents that take place in the city, the morelikely you are to meet someone that you neverplanned on meeting. Sometimes that specialsomeone could be right in front of you — justdo a double take and watch what happens.

by Ramon M. Maisonet

Dating After Retirement Body, Mind & Spirit

17

Healthy Living

Sometimes it can be hard to find the motivation to workout when exercising can be hard and boring. However, wateraerobics provides a fun and low-impact alternative. Don’t thinkwater aerobics is easy! Water aerobics is a hard work out andcan be very beneficial to those who decide to participate.

Water aerobics is exactly what it sounds like…An aerobics class in the water. You will perform movements to getyour heart rate up and strength train while in a pool. Wateraerobics are great because water exercise allows for people ofall fitness levels to work at a pace that is appropriate for theirexercise goals. Water aerobics workouts are vary when classes utilize pool noodles, water dumbbells and even yourown body weight.

Gardner Indoor Pool at Fort Campbell offers classes forthose who want to exercise in the water. Marla Voight, who hasbeen teaching water aerobics for 25 years, believes there aremany reasons water aerobics are a great option. • Socializing - Water aerobics provide the perfect opportunity to meet people and enjoy time with friends. Marla explained that many widows come to her class and they really benefit from the experience.

• Staying independent - “As we age, we notice our bodies start to break down and water aerobics helps slow down and prevent that break down,” Marla said.

• Reducing joint impact - Since water aerobics doesn’t take place on land, it helps with those who have had knee or hip replacements. It allows participants to do high impact exercises without the negative side effects.

• Less chance of injury - When you gain muscle control you are less likely to fall. Water aerobics also helps increase flexibility. More flexibility also helps to prevent injury.

• Getting more out of your work out - Water has 12 times the resistance of air so doing an exercise in the water provides a better workout in a shorter amount of time. “Instead of a really long work out or multiple workouts in a day, you can get one really good one with a water aerobics class,” Marla suggested. This makes water aerobics perfect for those who have multiple commitments on an average day.

• Sleeping better - Water aerobics improves blood flow, changes body temperature and enhances muscle conditioning. All of these benefits lead to a better slumber, and who doesn’t love a good night’s sleep? Marla sees a lot of participants lose weight. She sees

participants get more comfortable in the water and also withthemselves. “A lot of people don’t want to put on a bathing suit,but I tell them it’s a uniform during water aerobics.” She alsoobserves participants who, with proper diet and exercise, canstop taking diabetes medicine with their doctor’s permission.Another huge benefit is the friendships that have been forgedamong the regulars.

“I get excited with them,” Marla said of the benefits herparticipants receive, “I think they are on their way to a healthier life. They have more energy.”

Along with the health benefits of water aerobics, the

classes are also a fun way to get your work out. “You’re listening to music and even though you are getting a hardwork out, being in the water makes you feel young and vibrant,” Marla explained. Having a fun work out is importantbecause if you enjoy something you will commit to it and if youcommit you can change your life for the better.

Marla advises that anyone interested in trying water aerobics should check with a doctor prior to starting the program; let the instructor know about any medical conditions or medications you are currently taking. “Once youhave everything else in order, just get in! Just do it!” A wateraerobics instructor will work with any current injuries youmay have and modify the exercise or offer an alternative. Aslong as you have medical approval, don’t let anything stand inyour way!

“As we age we need to challenge our cognitive function.We need to challenge our general condition. We want to remain independent as long as possible,” Marla said.

Gardner Indoor Pool offers water aerobics classes for $3 a session or with pool membership. Various membershipsand prices are available from punch passes to several monthlong passes. For more information about water aerobicsclasses and times, please call (270) 798-6310.

By Jenelle Grewell

18www.fortcampbellmwr.com

High-tech threats are everywhere, from the data breaches at retail stores to the Internet security issues like the “Heartbleed” bugthat dominated the nightly news.

But a little knowledge, and common sense, can go a long way toward helping protect you from identity theft and financial loss.

“Today's consumer needs to be more vigilant than ever, all thetime,” says Tom Shaw, USAA’s vice president of Financial Crimes Management. The most effective defense is understanding the risksyou face when using your computer, smart phone or tablet.

Phishing

An email that appears to be from your financial institution or another business you deal with asks you to click a link that directs youto a web page that looks legitimate. On this web page, you may beasked to verify personal information, such as your account number, password or Social Security number. The email may include an attachment, which it urges you to open.

Don’t bite. It’s a scam to snatch your personal data. USAA andother reputable companies never gather information this way. If youare suspicious of an email, don't click on any links or attachments.

Vishing

Think of this as phishing over the phone — the “v” is for voice. Instead of sending a bogus email, the criminals call you, claiming to befrom your bank or another institution you trust, such as the local courtsystem calling about jury duty.

Even if an email or phone call appears to be legitimate, be suspicious. If they ask for a Social Security number or other personalinformation, think twice. Hang up and call the organization’s customer service number to double-check.

Smishing

This variant of the phishing concept uses text messages to lureyou into clicking links that provide your personal information ordownload infected apps on your phone.

Don’t respond to text messages or automated voice messagesfrom unknown or blocked numbers on your mobile phone.

Courtesy of USAA and NCPC

5 Common Cyber-Threats (and How to Fight Back)

Tech World

19

Internet Safety

Pop-up ads are especially bad, sinceclicking on them could trigger your computer to download a nasty virus or spyware – software that gathers personallyidentifiable information, including emailaddresses and passwords, from your computer without your knowledge. Thesame goes for attachments or links thatcome in unsolicited emails or in unsolicitedFacebook®, Twitter® or other social networking messages.

Once a malicious code is on yourmachine, it can hijack your computer’s operating system, send spam and malwareto other computers, launch unrelentingpop-up ads, or even record your keystrokesand report back to its controller.

Defend your computer with anti-virus, anti-spam, anti-spyware and pop-upblocker programs. Also consider researching alternative browsers that utilize additional security features. Remember, when you're in unfamiliar territory on the Internet, trust no one.

Laptop/Phone/Tablet Theft

It may sound old-fashioned and boring, but theft of devices remains the most common computer crime because it requires zeroknow-how to pull off. Tablets are increasingly popular as they are easily resold on the black market.

To help protect yourself, use a laptop cable lock whenever possible, and keep important gear out of sight unless you're using it.Store briefcases in your trunk, not the passenger seat of your car, andmake sure you use strong passwords and encryption (if available) on allyour devices in case they fall into the wrong hands.

Tips to Protect Yourself - Suggestions from the National CrimePrevention Council

The Internet can be a powerful tool, and the convenience it offersto manage business and recreation is invaluable. But theft and fraudare damaging the positive reputation of the Internet as a medium forbusiness. Consumers are losing confidence in their own safety on theInternet, and fewer people are making purchases online these days.However, there are steps that you can take to decrease your chances ofbecoming a victim, and to help catch cyber-criminals at work:

• Be aware that there are people online who would like to gain accessto your personal information. Do not share this information unlessyou have initiated the exchange or are absolutely sure of who is

receiving it.

• Install security and scanning software onto your computer to protect it from online hacking.

• Do not use your name, date of birth, address, or any other personalinformation for passwords. These passwords are easily cracked by hackers. In fact, it is suggested that for any password, you should not use a word that is found in the dictionary, as there are hackingprograms that will attempt every word in the dictionary.

• Never disclose personal information in response to an email. Legitimate businesses would never ask you to do this. If an email or pop-up ad requests you to confirm personal information, even ifit looks genuine, it is an example of phishing and should be reportedto reportphishing@antiphishing.org, the attorneys at the Securitiesand Exchange Commission at enforcement@sec.gov, and to the Federal Trade Commission at uce@ftc.gov.

• If you are concerned about an email you receive from a company, contact that company by phone to verify the information. If there isa web link provided in the email, type it directly into your browser instead of using the link or copying and pasting it, as some links can be redirected to other sites.

• When giving personal information over a website, check to make sure that site is secure. Look at the first part of the web address in our browser. It should read https:// and not http://

• Regularly check your credit card and bank statements and keep track of your transactions. Also, log into your online accounts frequently. This way, you will be able to notice any changes to youraccount soon after it happens.

By taking these steps, you can greatly reduce your chance of having your identity stolen, and help to combat this growing problem.If you are careful not to reveal personal information online, and help tomake others aware of the risks, you will be playing a part in making theInternet a safer place for all of us to communicate and conduct business.

20www.fortcampbellmwr.com

Off the Beaten Path

As we say goodbye to the long, hotdays of summer; we look forward to the changing colors, the crisp night air and footballseason. What goes great with football, tailgatingand the holidays? Beer! Of course! Not just anyold beer, but a good quality craft beer that goeswith the occasion. Whether you’re tailgating orwatching the game at home, nothing goes better with football season than a cold, crispSamuel Adams Boston Lager or the hoppinessof Sierra Nevada Pale Ale. What I have found toenhance these occasions is my own home brew– it’s fun and inexpensive. It is not as hard tomake your own beer as you may think. From startto finish, you can be drinking your own beer in aslittle as three weeks. With a few batches of brewmaking under my belt I have found home brewing very rewarding.

I was never much of a beer drinker untilI was introduced to Samuel Adams Oktoberfestback in 2004. The flavors of the different malts,spices and hops were like no other. The qualityand flavors are far superior tasting to the moretraditional beers. It was a no-brainer to make theswitch to craft beers and to get away from thesame old routine beer. The great thing aboutcraft beers is that there are no restrictions on theingredients used. If you are into light beers, youmight like a Honey Ale with a strong essence ofcaramel, biscuit, and toffee for a great summerbeer. During the winter season, I tend to drinkdarker, heavier beers; like a winter lager that hasa hearty malt flavor with spices of ginger and cinnamon. On a cool autumn night, I prefer aPumpkin Ale, which is slightly malty with a hint ofhops and the sweet flavor of pumpkin, nutmegand cinnamon.

A few years ago I gota beer kit for Christmas and I thought I would give homebrewing a try. It was one of thefoulest beers ever made. Ittasted like pond scum with ahint of beer. Keeping in mindthat it was a kit, I knew it was notgoing to be a TrappistesRochefort beer that has beenbrewed by the monks in Belgium since 1595, but it wasreally bad. I didn’t want to giveup, so I decided to invest in a home brewingstarter kit that had everything I would need - allfor under a hundred dollars. Finding the suppliesisn’t difficult either. Most cities have a local sup-plier, and if I can’t find it locally, I can always findit on the internet. Companies like NorthernBrewer and Midwest Supplies send out catalogsthat have everything needed to get started. Thebest recommendation I can give someone thatwants to start home brewing is to take a class onbasic beer making, often offered by local homebrew suppliers. You can also find how-to videoson YouTube that are very informative. If you arenot sure what ingredients you need to make yourfirst batch of beer, you can order a kit that has everything needed, including directions that

take you step by step fromboiling your wort to bottlingyour beer.

It is important to learn your equipment, especially the hydrometer - which displays the alcohol content. Not knowing the alcohol content and chugging down a beer, then waiting for the onset of a buzz is not a preferredmethod. The hydrometer will also indicate thefinal gravity of the beer so you are not awakenedin the middle of the night with exploding bottlesbecause you went to bottling too early and reactivated the yeast from the priming sugar -creating bottle bombs. That was a fun night!

Remember home brewing is an art. Donot get discouraged if you make a bad batch ofbeer because you will have good ones and badones. I did many things wrong with my first batchof beer, but thankfully, I tend to learn new techniques and learn from my past mistakes. I am nowhere at the level of a Jim Kock atSamuel Adams or Sam Calagione at DogfishHead. They too make mistakes but on a muchlarger scale! When you can make your own homebrew, become creative and always try somethingnew. Happy Brewing. Cheers!

The Joy of Home Brewing By Christopher Bolivar