- Valentine’s Day Fun Facts
- 6 Ways to Save
- Renters Insurance
- Need money for college?
- Green Corner
- Preparing for Winter Weather
- Girls on the Run
- Want to know what is happening in your community?
Valentine’s Day is approaching. Sixty-two percent of Americans celebrate Valentine’s Day. How do they observe it? Here are some fun facts about this day:
- About 1 billion Valentine’s Day cards are exchanged each year. This makes it the second largest seasonal card sending time of the year
- More than 35 million heart-shaped boxes of chocolate will be sold for Valentine's Day.
- 73 percent of people who buy flowers for Valentine's Day are men, while only 27 percent are women.
- Over $1 billion worth of chocolate is purchased for Valentine's Day in the U.S.
- 189 million stems of roses are sold in the U.S. on Valentine's Day. Red roses are considered the flower of love because the color red stands for strong romantic feelings.
- Teachers will receive the most Valentine's Day cards, followed by children, mothers, wives, sweethearts and pets.
- 220,000 is the average number of wedding proposals on Valentine's Day each year.
The Department of Defense (DoD) has changed the calculation for BAH and with that, renter’s insurance is no longer part of BAH. As a result of this change, Corvias no longer offers renter’s insurance to incoming residents effective April 1, 2015. Residents who moved in on or after this date are responsible for securing their own renter’s insurance policy.
How Does this Affect Me?
Based on the criteria above you may no longer have the renter’s insurance policy that has been previously provided through Corvias Military Living which included $20,000 personal property and $100,000 liability per occurrence with $50,000 on fire legal liability. The deductible on personal property was $500 and the liability deductible is $0.
What Should I do?
We recommend all residents obtain renter’s insurance immediately. The appropriate amount of renter’s insurance coverage is a personal decision that should be based on the value of your personal belongings.
Why Should I do it?
A renter’s insurance policy provides protection for personal property up to 20 types of loss that can create a financial burden for many families. Take a look at the example below of an actual loss which occurred as the result of a fire started by cooking on a stove.
**You could be liable for Fire Legal Liability of up to $50,000.**
As you can see, having a typical renter’s insurance policy purchased from USAA or another reputable insurance carrier can save thousands of dollars in what could be one of the most stressful times of your life. Below is the USAA representative servicing the APG area if you would like to call to discuss purchasing a policy.
- Ronney Wright, 757-472-9105 or Ronney.firstname.lastname@example.org
We appreciate you cooperation and understanding as we go through this transition. For all questions and concerns, please call the Community Office.
Military Saves Week takes place February 22-27 this year. Saving several months’ worth of living expenses for an emergency fund can be intimidating. Especially, when it feels like your paycheck is already accounted for each month. Better Money Habits offers these six simple steps to help you get started building a “rainy day” fund. This can increase financial security and peace of mind.
1. Take it day by day
Saving a month’s worth of living expenses might seem like a tall task. More important than hitting your savings goal right away is simply getting started. To do that, pick a realistic number you think you could work toward in the short term. Some people, for example, might start with a goal of $50 or $100 a month or as little as $2 to $3 a day.
2. Pick something and cut it
Taking your lunch to work, canceling that gym membership or cable subscription you don’t use can save you money. Identify one discrete thing you can cut, which is easier than trying to change your behavior.
3. Make it easy on yourself
An easy way to save more consistently is to set up automatic transfers from your checking to your savings account. If you have direct deposit at work, you may be able to set aside a percentage of your paycheck to go directly to your emergency savings account each pay period.
4. Don't let debt get in the way
If you are struggling to pay down debt, saving might be the last thing on your mind. Paying down credit cards with high interest rates is a great way to start tackling debt. Consider allotting funds to both debt and savings each month.
5. Keep your funds accessible—but away from temptation
Emergency funds must be available when you need them. That means not locking them up in accounts that charge you to access your money. However, do not keep funds in an account you’ll be tempted to tap for everyday expenses. Consider creating a separate, interest-bearing, FDIC-insured savings or money market account.
6. Now, up the ante
Don’t stop once you’ve hit your initial savings target. Steadily increase your savings goals until you have put aside enough money to cover your expenses for three to six months. This creates a significant buffer against unexpected emergencies.
To learn more about practical ways to save check out: http://www.americasaves.org
Don’t forget! Applications for the Corvias Foundation $50,000 Scholarships for children of active-duty service members are due Thursday, February 11. The application is available online at corviasfoundation.org. $5,000 Educational Grants for spouses are due May 5.
Staying warm in the winter
Keeping your home warm in the winter accounts for about 66 percent of your energy consumption. Making some small changes around the house can help you lower your energy consumption and save you money through the Live Army Green Program.
Under the program, occupied homes that are the same, or similar, are grouped together and the utilities are averaged to determine a baseline. The baseline is averaged monthly so current conditions are automatically factored in.
Once the baseline is established, a buffer zone is added above and below the average. When a resident's use falls within the buffer zone, the resident will receive a "no action required" statement, but when a family uses less than the baseline and buffer zone they receive a rebate.
Families consuming above the buffer zone will receive a "balance due" notice on their statement, meaning a payment is due.
If you regularly receive a “balance due” statement here are some tips to reduce your energy consumption while staying warm:
- Wear slippers. Warm air rises so your feet on the floor often get cold. Wearing a pair of cozy slippers can keep your feet toasty and help you feel warmer.
- Sweaters, cardigans and sweatshirts can help you stay comfortable while keeping your thermostat set lower.
- Regularly changing your air filter reduces stress on your HVAC system. Filters are available at your community office for no charge.
- A slow cooker is an effective way to make a hearty meal on a cold day.
If you have any questions about the Live Army Green Program contact your Community Office.
As a reminder, Corvias provides snow removal within the housing area. Residents are responsible for snow and ice need removal from driveways, sidewalks and under carports. Prepare now for snow and winter weather conditions by having a sturdy shovel and snow melt on hand for use.
Girls on the Run is looking for volunteer coaches. If you would like the opportunity to inspire girls to be healthy and confident then this is a great opportunity for you.
Your community calendar can help you stay up-to-date on trash, recycling, lawn care, resident events and community activities.
You can even sync your community calendar with a personal Google calendar by clicking on the +Google button on the bottom right-hand corner of the calendar.
Follow us on Facebook!
Upcoming events and important dates:
· February 2 – Ground Hog Day
· February 5 – National Wear Red Day; learn more.
· February 7 – Super Bowl Sunday
· February 11- Corvias Foundation Scholarship deadline
· February 11- National Black History Month observance program; 10:30am at Southside Grill
· February 14 – Valentine’s Day
· February 15 – Presidents’ Day – Community Office will be open
Story Time is now held every Thursday 10:30-11:30 at the Bayside Community Center. Bring your child to enjoy great stories, sining and crafts.