- Corvias Leasing Center has relocated to Bowden Terrace
- Free Starbucks Coffee Feb 11
- Free Rewards Card and Food Tasting Feb 23
- Corvias Foundation Scholarship deadline is Feb 11
- Finance and Savings-Six Simple Steps to Jump-start your Emergency Fund
- How changes to your BAH will impact your renter’s insurance
- Fort Rucker Community Spouses Club Scholarship deadline is Mar 1
- Green Corner-Staying Warm in the Winter
- Want to know what is happening in your community?
The Corvias Leasing Center has relocated to the Bowden Terrace Community Center at 9700 Division Road. The Leasing hours will be 8 am to 6 pm, Monday thru Friday and 10 am to 5 pm on Saturdays. Bowden Terrace residents will still have access to all the amenities located within the Bowden Terrace Community Center. Furthermore, there will be 24-hour access to the Bowden Terrace Community Center.
Join us at the Allen Heights Community Center at 9 am for free Starbucks coffee provided by the MWR Coffee Zone. Coffee lovers can enter to win Starbucks products and get the latest on monthly drink specials, rewards and coupons and double stamp Wednesdays.
Join us at the Bowden Terrace Community Center at 9 am to receive a free "Welcome Home" Landing Zone gift card. Also, the Landing and Coffee Zone will be serving free coffee and food samples.
Saving several months’ worth of living expenses for an emergency fund can be intimidating, especially when it feels like all of your available cash is already accounted for each month. Better Money Habits offers these six simple steps to help you get started building a reserve of cash — bringing with it greater financial security and peace of mind
Take it day by day
Putting aside months’ worth of living expenses might seem like an impossibly tall task. But more important than hitting your savings goal right away is simply getting started. To do that, pick a realistic number you think you could work toward in the short term. Some people, for example, might start with a goal of $50 or $100 a month—as little as $2 to $3 a day.
Pick something and cut it
You could carpool or use public transportation to save on gas, bring your lunch to work or cancel that gym membership or cable subscription you don’t use. You may want to identify one discrete thing you can cut, which can be easier than trying to change your behavior.
Make it easy on yourself
An easy way to save more consistently is to set up automatic transfers from your checking to your savings account. If you have direct deposit at work, you might be able to set aside a percentage of your paycheck to go directly to your emergency savings account each pay period.
Don't let debt get in the way
If you’re struggling to pay down debt, saving might be the last thing on your mind. And if your debt carries high-interest rates—like credit cards—it might make sense to aggressively pay down balances first. But if your rates and balances are lower and more manageable, you can work on both goals at the same time: Consider allotting funds to both debt and savings each month.
Keep your funds accessible—but away from temptation
Emergency funds must be available when you need them. That means not locking them up in accounts that charge you to access your money—or keeping them in an account you’ll be tempted to tap for everyday expenses. Consider creating a separate, interest-bearing, FDIC-insured savings or money market account.
Now, up the ante
Don’t stop once you’ve hit your initial savings target. Steadily increase your savings goals until you have put aside enough money to cover your expenses for three to six months—a significant buffer against unexpected emergencies.
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.
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.
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. The following is a list of USAA representatives servicing the areas near you if you would like to call to discuss purchasing a policy.
- Aberdeen Proving Ground and Fort Meade, Md., Ronney Wright, 757-472-9105 or Ronney.firstname.lastname@example.org
- Fort Bragg, N.C., Dennis King, 803-445-434 or Dennis.email@example.com
- Fort Polk, La., Craig (Russell) Howell, 228-238-4344 or Russell.Howell@usaa.com
- Fort Riley and McConnell AFB, Kan., Joe Romans, 785-213-6892 or Joe.Romans@usaa.com
- Fort Rucker, Ala., Chris Glennon, 850-624-8300 or Chris.Glennon@usaa.com
- Fort Sill, Okla., Gary Thompson, 405-315-1668 or Gary.Thompson1@usaa.com
- Edwards AFB, Calif., Eric Page, 951-318-2334 or Eric.Page@usaa.com
- Eglin AFB and Hurlburt Field, Fla., Chris Glennon, 850-624-8300 or Chris.Glennon@usaa.com
- Eielson AFB, Alaska, Mike Sevy, 253-315-2449 or Michael.Sevy@usaa.com
- Seymour Johnson AFB, N.C., Jim Lewis, 910-467-4540 or Jim.Lewis@usaa.com
We appreciate you cooperation and understanding as we go through this transition. For all questions and concerns, please call your Corvias Community Office.
The annual Fort Rucker Community Spouses Club Scholarship application period is officially open. The application and list of scholarships available is now posted to the website and applications may be submitted through March 1. For more information about membership and scholarship is available at www.fortruckeresc.com or on Facebook.
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.
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Feb 5: International Spouses Get Together. 9 am Allen Heights Community Center. Call 255-3161.
Feb 6: Mardi Gras trip to Mobile, AL. Call MWR Central at 255-2997
Feb 7: Superbowl Sunday!
Feb 11: Free Starbucks Coffee. 9 am at Allen Heights Community Center.
Feb 14: Valentine’s Day
Feb 15: Presidents’ Day: Community Offices are open.
Feb 23: Free Gift Card and Food Tasting. 9 am at Bowden Terrace Community Center.
Feb 27: Deep Sea Fishing, Destin, FL. Call MWR Central at 255-2997