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NOV 2016
Family Assistance Centers
2LT Christina Lemburg
Warrior & Family Support Office
1-800-432-6778
This newsletter contains official and unofficial information. The inclusion of unofficial information has not in-
creased the cost to the Government, in accordance with DOD 4525.8M
Resilience & Wellness 2
Military One Source 3
Family Readiness Support 4
Family Assistance 5
Alcohol Awareness 6
Financial Counsel 6
Child & Youth 7
Quick Contact List 8
Did you know…
The WFS Office has a COMMUNITY EVENTS and OFFERS
page where we post discount offers, community events and fliers with info of
interest to our military members & families.
neguard.com
Check it out and sign up for email alerts!
Promoting Readiness & Quality of Life for Service Members & Families
The Department of Veterans Affairs Home Loan Basics So you're buying a new home. Now THAT is super exci ng. But before you begin picking out furniture, the first move toward homeownership is mee ng with a lender to secure a loan. That's where the Department of Veterans Affairs home loans come in.
The Home Loan Program is a substan al benefit you have earned with your military service. Benefits that in-clude no down payment, no private mortgage insurance, nego able interest rates, etc. It's a fantas c deal. We'll show you what it's all about.
The quick rundown
Essen ally, a VA home loan guarantees the lender they will be covered even if you fail to repay your loan. You get much be er financing terms and you're not required to make a down payment. It's a win-win.
Even if you haven't been approved for a tradi onal loan, you might s ll qualify for a VA loan. To find out, call the Regional Loan Center for your area.
Features of Veterans Affairs home loans
OK, we know you want to get to the fun part of a VA home loan — the benefits. Keep in mind, every loan could end up being a li le different. Here are the standard features:
No down payment. Perhaps you can save or invest what would have put aside as your down payment. 30‐year loans. What's especially nice here is not only do you have a long me to pay back your loan,
but you can pick your repayment method, too. So if you'd rather switch to a graduated repayment, that's a possibility.
Nego able interest rates. You are s ll looking at the current rates in the market, but you will get the opportunity to write down a number and slide it across the table to your lender.
No mortgage insurance premium. Veterans are required to pay the VA's funding fee, but no mortgage insurance.
Right to prepay your loan. Rule of thumb — always try to pay off loans early. Not having to pay interest leaves you with addi onal money to invest in other things. Some loans will penalize you for doing that, but these won't.
Assumable mortgage. When you sell the property, you may elect to have a VA-eligible buyer assume your mortgage. If you do, the assumer's qualifica ons must be reviewed and approved by the lender or the VA.
Reduced funding fees. You can elect to finance the funding fee, and if your down payment is at least 5 percent, you are eligible for a reduced funding fee. If you are a veteran receiving compensa on, you are exempt from the funding fee.
Warranty. You'll get a warranty from the builder, plus assistance from the VA ge ng the builder's co-opera on on homes Veterans Affairs inspects during construc on.
Leniency. If you are experiencing some temporary financial difficulty, ask Veterans Affairs how they can help.
With so many different mortgage lenders and loans it can be overwhelming. Help is available. The Veterans Affairs Home Loan Program has helped thousands of ac ve-duty service members and veterans become homeowners. Now that you're armed with the basics of the Home Loan Program, you can start looking into how to use it to get your dream home.
Call, click and connect at 800-342-9647 or h p://www.MilitaryOneSource.mil 24 hours a day, seven days
a week, from any loca on in the world.
We can help!
Santa Suits available (3)
Pants, Coat, Hat, Belt,
Gloves, Gift sack, Wig,
Beard, Boot covers
(2) Elf Hats
Don’t forget, we have popcorn machines, a cotton candy machine and snow cone machines.
When requesting, remember you will need to
provide your own supplies .
For a complete list of items available, Contact your FRSA!
Sending Care Packages overseas?
Here are the Postal Service “mail by” deadline recommendations for holiday mail to APO/FPO addresses:
USPS Retail Ground: Nov. 7
Space Available Mail (SAM): Nov. 25
Parcel Airlift Mail (PAL): Dec. 2
First-Class Mail (letters and cards) and Priority Mail: Dec. 9.
First– Class Mail (letters and cards) and Priority Mail- If mailing to ZIPs starting in 093 (contingency areas): Dec. 2
Priority Mail Express Military Service: Dec. 16, except to 093 ZIPs. This express service is not available to those
areas.
FRSS TEAM:
FRSS Trainer: Kim Ostermeyer FRSA: Stephanie Whisler FRSA: Dan Paxton (402) 309-7328 (402) 309-7435 (402) 309-7327 [email protected] [email protected] [email protected]
Student Veterans of America (SVA) is a 501(c)(3)
coalition of student-veteran groups on college
campuses across the globe.
DID YOU KNOW…
19% meet criteria for alcohol dependence.
Of Soldiers age 18-24,
Self-referral may be an option for you. NEARNG Substance Abuse Program Phone: 402-613-9023 or 402-309-7773
New Staff Member Introduction
Personal Financial Counselor (PFC) Mr. Cliff McKrell
Be a Millionaire!
Cliff McKrell recently arrived in Nebraska to serve as a Personal Finan-cial Counselor (PFC) to members of the Guard and their families. One of the “fun” parts of his role is to help people become a “millionaire” by giving them a million dollar bill. The bill is not legal tender, of course, but serves to illustrate that we can all become a millionaire if we work towards that objective by investing our time and /or money as we go through life.
To that end, serving in the Guard can play an important part towards achieving financial independence. In addition to pay, other benefits include using the Thrift Savings Plan (TSP), taking advantage of educa-tion programs to get promoted or pursue a civilian career, and using Tricare, the commissary or networking within the Guard community.
Cliff is available for individual consultations on a free, confidential and without sales pressure basis. Typical topics include credit counseling, money management, TSP and investments, insurance, taxes and re-tirement planning. He is a retire Air Force Reservist and has over 35 years of experience in the financial services industry. He can be con-tacted at 402-309-4281 or [email protected]
5 Reasons Outdoor Education is Important Outdoor Learning provides direct contact with the natural world Environmental issues are of increasing importance in the political agenda, yet many people live an urban life which does not allow them to experience the relationship between their actions and the ele-ments which support life on earth. Outdoor Learning allows participants to develop values and opin-ions that are informed by first hand experience of the natural world.
Outdoor Learning is a source of powerful learning experiences Outdoor Learning can be powerful, exciting, inspirational, developmental and rewarding in many ways. The power of Outdoor Learning makes it a valued means for overcoming some of the toughest learning challenges. For example: it can bring about personal breakthroughs for people with learning difficulties; it can help to bring divided communities together; and it can inspire culture change in or-ganizations.
Learners who usually struggle can excel in the outdoor classroom Outdoor Learning provides such a different climate for learning that people who normally struggle as learners often become motivated and capable learners in the outdoors. Teachers are frequently sur-prised by the abilities and interest shown by 'poorly performing' students when in the outdoors, and by the extent to which Outdoor Learning has awakened their potential.
Learners who already excel become more versatile learners Even people who are excellent learners in indoor environments encounter very different learning ex-periences outdoors. For example, some outdoor programs are designed to help PhD students be-come more rounded and employable. But all students benefit from becoming more skilled, rounded and versatile learners. This matters even more in a fast-changing world that needs lifelong learners.
Personal development: "If I can do this, I can do anything!" Participants of all ages and abilities frequently report personal breakthroughs, especially when taking part in adventurous activities and surprising themselves. "If I can do this, I can do anything!" is the kind of statement that signifies such breakthroughs.
Outdoor Education Opportunities
The Nebraska National Guard Child and Youth Pro-gram offers a variety of opportunities for military chil-dren to engage in Outdoor Education experiences. For information about our upcoming events, download our Fall Program Guide here. You can also keep up with us on our Facebook page and register for events online through our Eventbrite profile.
Questions about upcoming events? Give us a call or e-mail and we’ll get back to you as soon as possible!
State Family Program Director
CPT Melissa Kramer
2000 N. 33rd St, Lincoln
(402) 309-7331
Personal Finance Counselor
Cliff McKrell
(402) 309-14281
Alcohol & Drug Coordinators
Amanda Kushen (Lincoln)
(402) 309-7325 and (402) 613-9023
Mark Darby (Kearney)
(402) 309-7773 and (308) 627-8233
Resilience & Suicide Prevention Office
MSG Kelli Hatzenbuehler
(402) 309-7343
MSG William Buettner
(402) 309-7349
Suicide Prevention Program Manager
Bridget Pettaway
402-309-7326
Family Readiness Support Asst. (FRSA)
Stephanie Whisler - 92nd TC, JFHQ, SRRO
402) 309-7435
Dan Paxton - 67th MEB, RTI
(402) 309-7326
FRSA Trainer
Kim Ostermeyer (402) 309-7328
Region 1 Family Assistance—Lincoln
Brandi Gettert
(402) 309-7333 and (402) 318-8986
Region 2 Family Assistance—Omaha
Bob Reichwein
(402) 309-7086 and (402) 318-8989
Region 3 Family Assistance - Wayne
Layne Beza
(402) 309-8940 and (402) 318-8990
Region 4 Family Assistance—Ashland/Mead
Mary Mathiessen
(402) 309-8074 and (402) 318--9000
Region 5 Family Assistance—Kearney
Carey Wilson
(402) 309-7747 and (402) 318-8994
Region 6 Family Assistance—North Platte
Scott Halsted
(402)309-8602 and (402) 318-8995
Region 7 Family Assistance –Scottsbluff
Amy Reinpold
(402)309-8566 and (402) 318-8992
American Red Cross
1-877-272-7337
Psychological Health Coordinator
Jodi Kohler
2000 North 33rd St, Lincoln
Cell: (402) 309-7434
Tricare Resource NCOs
Nebraska Guard HRO Office
(402) 309-8167 or (402) 309-8181
Chaplain
LTC Houser (402) 326-4254
Military OneSource
www.militaryonesource.mil
1-800-342-9647
Child & Youth Office
Luther Mardock & Niki McKinstry
(402) 309-7330 & (402) 309-7338
Employer Support of Guard (ESGR)
Bill Nelson
(402) 309-7303
Yellow Ribbon Program
SFC Ronnie Larmeu
(402) 309-7344
