|
Did
you
know
that
.
.
.
Volunteering
at
your
local
Navy-Marine
Corps
Relief
Office
can
be
a
rewarding
experience?
While
helping
clients
solve
their
emergency
needs,
you
can
enhance
your
job
skills
and
knowledge
of
oral
and
written
communications,
retail
sales,
customer
service,
public
speaking,
computer
software
programs,
training,
personnel
management,
and
family
budgeting.
Opportunities
for
personal
growth
help
you
increase
your
self-confidence
while
you
help
clients
achieve
financial
self-sufficiency.
Contact
your
local
NMCRS
Office
today! NMCRS:
Seeking
New
Volunteers!
|
 | Driver’s
License |
| Registration |
| Insurance |
| Viable
Spending
Plan
for
Repayment |
| Estimated
Cost
of
Repairs
(two
sources) |
| Repayability
|
When
you
need
help,
visit
your
local
Navy-Marine
Corps
Relief
Society
Office.
Did
you
know
that
.
.
.
A
Power
of
Attorney
(POA)
is
acceptable
to
the
Navy-Marine
Corps
Relief
Society
as
authority
to
provide
financial
assistance
to
a
service
member’s
family
during
deployment?
The
Society
accepts
valid
General
or
Special
POAs
which
authorize
an
individual
to
borrow
money.
As
a
fully
accepted
legal
document,
a
POA
also
means
that
the
Society
will
not
allow
the
service
member
to
disavow
assistance
rendered
to
family
members.
A
POA
is
an
acceptable
substitute
for
a
signed
and
witnessed
Pre-authorization
form.
Plan
for
the
unexpected!
Visit
your
local
Navy-Marine
Corps
Relief
Society
Office
for
more
details.
NMCRS: A Helping Hand!
Did
you
know
that
.
.
.
A
Spending
Plan
Review
could
be
the
key
to
your
financial
peace
of
mind?
Are
you
living
from
payday
to
payday,
having
trouble
meeting
monthly
bills,
being
harassed
by
creditors,
or
hoping
your
paycheck
reaches
the
bank
before
those
checks
you
just
wrote
do?
Visit
the
nearest
Navy-Marine
Corps
Relief
Society
Office
where
caseworkers
can
review
your
financial
situation
and
suggest
corrective
actions.
Are
you
about
to
get
married,
expecting
a
new
baby
or
about
to
make
a
major
purchase?
The
Society
can
also
provide
invaluable
spending
plan
assistance
before
you
make
these
major
decisions.
Did
you
know
that
.
.
.
Registered Nurses are available at no cost to the service member or family members to make home, clinic or hospital visits to Navy and Marine Corps personnel and/or their family members? They provide health education and resource information and promote continuity between patient, doctors and military or community resources. They can address questions about newborn care; post-surgical follow-up care; ongoing medical conditions such as diabetes, high blood pressure, respiratory conditions; child development, parenting issues or normal childhood illnesses; medications and nutrition and more.
Did
you
know
that
.
.
.
Spending
Plan
assistance
is
available
at
your
local
Navy-Marine
Corps
Relief
Society
Office?
Are
you
more
comfortable
with
your
computer
software
or
operating
a
fire
control
system
than
you
are
balancing
your
checkbook?
Can
you
afford
the
free
advice
of
a
Society
caseworker?
Can
you
afford
not
having
it?
Call
your
local
NMCRS
Office
today
to
schedule
a
free
Spending
Plan
review
session
for
you
and
your
spouse.
Not
having
this
valuable
information
could
be
a
costly
mistake.
Don’t
delay!
Did
you
know
that
.
.
.
Living
beyond
your
means
is
a
prescription
for
disaster?
Does
more
than
25%
of
your
take-home
pay
go
to
paying
bills?
Are
you
making
only
minimum
payments
on
bills
due?
Are
you
taking
out
new
loans
to
pay
off
old
ones?
Are
you
missing
payments?
Are
you
stalling
one
creditor
to
pay
another?
Are
you
having
frequent
family
arguments
over
money?
The
Navy-Marine
Corps
Relief
Society
can
help
you
improve
your
financial
picture.
NMCRS
Volunteers
and
employees
work
hard
to
help
Sailors,
Marines,
and
their
families
pull
themselves
out
of
deficit
budgets
and
into
spending
plans.
Call
today
to
schedule
an
appointment.
Did
you
know
that
.
.
.
NMCRS
Thrift
Shops
help
stretch
your
budget
when
you
need
to
buy
household
items
at
a
fraction
of
the
original
cost?
You
can
find
bargains
on
pots
and
pans,
books,
furniture,
uniform
items,
and
lots
more.
These
shops
are
well
stocked
with
children’s
clothing
–
sweaters,
winter
jackets,
shoes,
etc.
Thrift
Shops
are
especially
good
for
saving
you
money
on
expensive
items
you
may
not
use
often
–
such
as
sports
and
camping
equipment,
tap
shoes,
or
musical
instruments.
Before spending your hard-earned paycheck on new white elephants, check out the savings available at Thrift Shops in your neighborhood.
Did
you
know
that
.
.
.
White
Elephants
to
you
could
be
treasures
to
someone
else?
Have
you
out-grown
those
roller
blades
and
clothes
in
your
closet?
Will
you
ever
try
to
break
your
neck
again
on
that
gift
unicycle?
Does
the
thought
of
organizing
and
preparing
for
a
garage
sale
turn
your
stomach?
Navy-Marine
Corps
Relief
Society
Thrift
Shops
are
your
answer.
Thrift
Shops
are
great
places
to
take
items
that
you
no
longer
use
but
are
still
in
good
condition.
Why
not
recycle
your
discards
and
make
them
available
to
your
shipmates
and
fellow
Marines?
It’s
a
good
way
to
clean
house
and,
who
knows,
you
might
even
treasure
someone
else’s
white
elephant!
Offering Money-Saving Alternatives!
Did
you
know
that
.
.
.
The
Navy
Marine
Corps
Relief
Society
disbursed
$43.6
million
in
financial
assistance
to
45,690
Sailors,
Marines,
and
their
families
who
had
financial
needs
in
2007?
The
single,
most
prevalent
category
of
need
was
Basic
Living
expenses.
Our
clients
also
sought
assistance
to
pay
for
emergency
transportation,
medical
and
dental
bills,
funerals,
and
setting
up
households,
including
security
and
utility
deposits,
furniture,
car
repairs,
and
more.
Based
on
need,
assistance
is
provided
as
an
interest-free
loan
or
grant.
If
you
have
a
temporary
emergency
need,
NMCRS
may
be
able
to
help.
Call
your
local
office
today.
Did
you
know
that
.
.
.
In time of disaster, the Society’s mission is to assist with pre-disaster evacuation (when it is ordered), provide urgent basic assistance in the immediate aftermath of a disaster, and assist with essential long-term needs when losses are not adequately covered by insurance or government benefits. Make the Society as your first resource.
Did
you
know
that
.
.
.
Money
gobblers
eat
away
at
your
cash
flow
week
after
week?
Want
a
shock?
Record
what
you
spend
on
miscellaneous
items
for
a
week,
then
multiply
by
52.
A
partial
listing
might
include
magazines,
paperback
novels,
soft
drinks,
beer
and
alcohol,
fast
food
restaurants,
video
games,
movies
and
DVD
rentals,
lottery
tickets,
photo/film
supplies,
CDs,
exercise
classes,
long-distance
telephone
calls,
cigarettes,
arts
and
crafts,
toys,
and
pet
supplies.
If you’d like additional information on how to develop a spending plan, contact your local NMCRS Office. You’ll be glad you did!
NMCRS: Service with a Smile!
Did
you
know
that
.
.
.
Money
for
college
could
be
as
close
as
your
local
Navy-Marine
Corps
Relief
Society
Office?
The
Society
is
helping
eligible
students
pursue
their
academic
goals
by
providing
nearly
$4.5
million
to
fund
education
scholarships
and
loans
to
4,188
Sailors,
Marines,
and
their
families
in
2007.
The
Society
has
several
financial
assistance
programs
designed
to
help
you
and
your
eligible
family
members
pursue
higher
education.
Don’t
rule
out
college
before
contacting
us!
NMCRS Education Programs: A Helping Hand!
Did
you
know
that
.
.
.
Society
Volunteers
can
learn
all
about
military
income
through
the
Society’s
Volunteer
caseworker
training
program?
Not
only
will
you
learn
about
a
Leave
and
Earnings
Statement,
military
pay,
allowances,
and
deductions,
but
you
also
learn
how
to
help
others
find
lasting
solutions
to
their
financial
problems.
Many
Volunteers
gain
skills
that
make
them
more
marketable
for
future
employment.
Make
your
volunteer
experience
count.
The
training
is
free,
and
you
can
get
reimbursed
for
child
care
and
commuting
expenses.
Check
out
the
opportunities
at
your
local
NMCRS
Office
today!
NMCRS: Seeking New Volunteers!
Did
you
know
that
.
.
.
Title
Loan
Companies
charge
an
average
annual
percentage
rate
of
273%?
Regulated
by
the
same
laws
that
govern
pawn
shops,
these
companies
operate
in
14
states,
often
near
military
bases,
targeting
low-income
consumers.
Title
loan
companies
require
the
customer’s
vehicle
title
be
held
as
collateral
until
the
loan
is
paid
in
full.
Many
require
a
set
of
keys
to
your
car
to
facilitate
vehicle
repossession,
in
case
you
miss
a
single
loan
payment.
By
making
only
the
minimum
loan
payment,
none
of
the
money
you
pay
is
applied
to
the
principal,
and
the
loan
is
rarely
repaid.
Before falling victim to this consumer rip-off, visit your local NMCRS Office for financial assistance.
Offering Better Alternatives!
Did
you
know
that
.
.
.
The
Navy
Department’s
| The
two-fold
purpose
of
not
only
collecting
funds
for
relief
purposes,
but
also
educating
Sailors
and
Marines
on
the
Society
services
and
programs
available
for
their
benefit. |
| The strong selling point that the Naval Services take care of their own. |
Support
the
Active
Duty
Fund
Drive
!
Did
you
know
that
.
.
.
The
The
Support
the
Active
Duty
Fund
Drive
!
Did
you
know
that
.
.
.
The
Navy-Marine
Corps
Relief
Society’s
VADM
E.
P.
Travers
Scholar-ship
and
Loan
Program
provides,
on
the
basis
of
financial
need,
up
to
$2,500
in
scholarships
and
up
to
$3,000
in
interest-free
loans
to
eligible
children
of
active
duty
and
retired
personnel,
and
spouses
of
active
duty
members?
Applications
are
available
on
the
Society’s
Web
site
starting
December
1st
or
by
writing
or
calling
NMCRS
at
Did
you
know
that
.
.
.
The
Admiral
Mike
Boorda
Scholarship
Program
offers
need-based
grants
of
up
to
$2,500
a
year
to
eligible
active
duty
service
members
accepted
for
one
of
the
following
programs?
·
Marine
Enlisted
Commissioning
Education
Program
·
Medical
Enlisted
Commissioning
Program
Applications are available on the Society’s website starting December 1st, and must be received by May 1st. Applications must be reviewed and endorsed by the student’s commanding officer.
Did
you
know
that
.
.
.
The
Navy-Marine
Corps
Relief
Society
provides
need-based
education
grant
assistance
to
children
of
service
members
who
died
on
active
duty
or
while
in
a
retired
status?
Enrollment
opens
December
1st
and
applications
are
available
on
the
Society’s
Web
site,
or
by
writing
or
calling
NMCRS
at
Applications for the Children of Deceased Service members Scholarship Program must be received by March 1st.
Did
you
know
that
.
.
.
Individuals
may
remember
the
Society
with
a
simple
bequest
in
their
will?
There
are
a
variety
of
ways.
You
can
choose
a
specific
amount;
a
certain
percentage
of
an
estate;
a
memorial
gift
in
one’s
family
name;
a
gift
of
marketable
securities
(stocks
and
bonds);
or
a
gift
of
real
estate.
A
brochure,
“Remembering
the
Society
in
Your
Will,”
is
available
at
any
NMCRS
Office
or
by
calling
(703)
696-4904.
Prepared
under
the
guidance
of
an
estate
attorney,
this
brochure
provides
the
precise
language
required
for
a
codicil
to
your
will.
Did
you
know
that
.
.
.
The
Society
celebrated
its
104th
anniversary
in
2008?
The
Navy
Relief
Society
traces
its
roots
to
the
1903
football
game
between
the
U.S.
Naval
Academy
Midshipmen
and
the
Cadets
from
Since
its
founding
in
1904,
Society
volunteers
and
employees
have
provided
more
than
$1.1
billion
in
interest-free
loans
and
grants
to
more
than
4
million
active
duty
and
retired
Sailors,
Marines,
and
their
families.
Ready To Serve For 100 More Years!
Did
you
know
that
.
.
.
Continually
fueled
by
the
commitment
and
professionalism
of
more
than
3,400
Volunteers,
this
premier
military
aid
society
helps
with
a
broad
spectrum
of
needs?
These
include
emergency
transportation,
first-time
insurance
premiums,
food,
shelter
and
utilities,
college
scholarships
and
loans,
medical
bills,
automobile
repairs,
and
more.
The
Volunteers
and
employees
of
the
Navy-Marine
Corps
Relief
Society
look
forward
to
our
second
century
of
service.
For additional information on our programs and services, to learn about volunteer opportunities, or to make a contribution to this organization, we encourage you to visit our Web site.
Did
you
know
that
.
.
.
During
the
2005
hurricane
season,
NMCRS
was
there
to
render
assistance?
When
service
families
evacuated
just
days
before
pay
day,
the
Society
provided
immediate
funds
for
transportation,
food
and
lodging.
When
the
devastation
from
Hurricane
Katrina
kept
them
away
for
an
extended
period
of
time,
the
Society
continued
to
assist
them
until
per
diem
was
available.
When
the
service
families
were
able
to
return
to
their
homes
on
the
The
Navy-Marine
Corps
Relief
Society
will
continue
to
step
up
to
the
plate
no
matter
when
or
where
disaster
strikes.
And
when
natural
disaster
strikes,
the
Society
will
issue
debit
cards
that
are
far
more
negotiable
than
personal
checks.
NMCRS—Always There For You!
Did
you
know
that
.
.
.
The
Society
offers
bridge
loans
through
its
local
offices
to
support
the
college
education
goals
of
Sailors
and
Marines?
These
bridge
loans
cover
all
or
a
portion
of
the
service
member’s
share
of
the
cost
under
the
Navy
Department’s
Tuition
Assistance
Program
(TAP).
Bridge
loans
are
also
offered
locally
to
allow
enrollment
under
the
GI
Bill
if
education
benefits
from
the
Department
of
Veterans
Affairs
are
not
received
in
time
to
permit
enrollment.
To apply for support under this locally administered program, contact the nearest Navy-Marine Corps Relief Society Office. Visit our web site for a worldwide listing of office locations.
Did
you
know
that
.
.
.
Since the devastating 2005 hurricane season, the Navy-Marine Corps Relief Society published a Disaster Assistance Handbook? This handbook will help Society staffers prepare for large-scale natural and man-made disasters and will support Navy and Marine Corps families impacted by these disasters. Examples of large-scale disasters include forest fires, floods, hurricanes, earthquakes and terrorist attacks. In such cases, the American Red Cross (ARC) is the nation’s designated disaster relief agency, but the Society has a responsibility to help Sailors, Marines and their eligible family members promptly and with compassion.
Did
you
know
that
.
.
.
The Society has expanded its Visiting Nurse Program in order to provide greater services to Combat Casualties? These registered nurses work with entire families to identify and listen to needs and concerns, explain available resources, provide resource information both within and outside the government and provide long-term follow up as appropriate and desired. Financial assistance may also be available as an interest-free loans or grant, depending on need to help family members travel to the bedside of a wounded service member; cover living expenses while the family stays at the bedside of a wounded service member; reconfigure homes; purchase converted vans or vehicles; expand education programs and more.
Did
you
know
that
.
.
.
NMCRS
helps
with
a
broad
spectrum
of
needs?
These
include
emergency
transportation,
first-time
insurance
premiums,
food,
shelter
and
utilities,
college
scholarships
and
loans,
medical
bills,
automobile
repairs,
and
more.
Not
all
of
the
Society’s
business
involves
the
disbursement
of
loans
and
grants.
In
addition,
natural
disasters
like
Hurricane
Katrina,
the
Did
you
know
that
.
.
.
The Navy-Marine Corps Relief Society contributed to the 2006 Department of Defense “Report on Predatory Lending Practices Directed at Members of the Armed Forces and Their Dependents?” The downward spiral of staggering debt associated with this industry can be summarized by the statistic from the Center of responsible Lending that estimates that 91% of all payday loans are made to borrowers with five or more payday loans per year. Now that these loans are easily accessible on the internet, their impact is even more damaging. During 2006, the Navy-Marine Corps Relief Society provided $1.37 million in financial assistance directly attributable to 1,693 clients victimized by the predatory lending industry.
Did you know that . . .
The
average
cost
to
raise
a
child
to
age
17
is
$230,000?
This
includes
food,
shelter,
clothing,
school
expenses,
entertainment,
and
toys.
In
your
baby’s
first
year
alone,
you
can
easily
spend
anywhere
from
$7,000
to
$11,000.
NMCRS offers a Budget for Baby class designed to help you better understand your finances and provide you with information to realistically project expenses associated with the birth of a baby. Besides establishing a spending plan for your family you’ll learn valuable savings options and time-tested tips. After completing the class you will receive a layette for your baby valued at $75 that includes brand new Gerber products and a hand-made item.
Did
you
know
that
.
.
.
The
Navy-Marine
Corps
Relief
Society
can
help
you
develop
a
spending
plan?
A
NMCRS
trained
caseworker
will
work
with
you
one-on-one
to
track
down
all
your
sources
of
income,
look
at
where
all
of
your
money
is
going
and
provide
you
with
a
spending
log.
After
that
it
will
be
easier
to
help
you
set
your
spending
priorities
and
develop
a
plan
to
meet
your
financial
goals.
You
can
receive
help
understanding
your
LES,
how
to
get
and
review
your
credit
report
and
much
more.
Call or stop by your local Navy-Marine Corps Relief Society office today to make an appointment and get started on developing your spending plan.
Did you know that . . .
Volunteering
for
Navy-Marine
Corps
Relief
Society
has
many
rewards?
Join
the
Volunteer
Team
and:
·
Make
a
Difference
·
Help
people
in
need
·
Develop
new
skills
·
Improve
existing
talents
·
Make
new
friends
·
Stay
in
touch
with
old
friends
Flexible
schedules
allow
you
to
make
a
world
of
difference
by
assisting
Military
Families,
with
training
and
mentoring
provided
with
each
Volunteer
position.
Reimbursement
for
mileage
and
family
member
care
is
available.
Call or stop by your local Navy-Marine Corps Relief Society office today to explore the Society’s many volunteer opportunities!
Did
you
know
that
.
.
.
The
Navy-Marine
Corps
Relief
Society
offers
a
safe
alternative
to
payday
loans?
The
Quick
Assist
Loan
Program
makes
interest
free
loans
of
up
to
$300
available
to
active
duty
Navy
and
Marine
service
members.
These
new
need-based
loans
are
repayable
by
allotment
within
10
months.
The
loans
are
designed
to
help
with
emergency
needs
for
basic
living
expenses.
Any
active
duty
Sailor
or
Marine,
who
has
no
outstanding
loans
from
the
Society,
and
who
is
in
good
standing,
is
eligible
to
receive
a
QAL.
The
goal
is
to
serve
clients
in
as
little
as
15
minutes.
If you are interested in applying for a QAL bring your most recent Leave and Earnings Statement and your active duty ID card to your local NMCRS office.
Did
you
know
that
.
.
.
The
Society
protects
client
confidentiality?
When
you
make
an
appointment
to
meet
with
a
Society
Counselor
to
review
your
spending
plan,
discuss
your
financial
needs
and
get
help
from
the
Society,
your
conversation
remains
a
private
matter
between
you
and
the
Society.
It
is
no
one
else’s
business.
The
only
time
the
Society
would
contact
your
command
(and
even
then
ONLY
with
your
permission)
would
be
if
the
severity
of
your
financial
problems
was
beyond
our
ability
to
provide
assistance,
or
if
you
wanted
your
commanding
officer
to
appeal
the
Society’s
decision
to
deny
support
to
you.
If you have financial difficulties, please consider the Navy-Marine Corps Relief Society your first resource.
Did
you
know
that
.
.
.
When the Navy-Marine Corps Relief Society says “No” to your request for financial assistance, that doesn’t have to be the final response? Sometimes, a client’s request for financial assistance falls outside the policy guidelines of our organization and our local staff must submit your case to Headquarters for review and to possibly provide an exception to policy. At the time your case is submitted for review, the local Director submits a recommendation to authorize or deny an exception to policy. Even if the Society’s leadership at Headquarters denies the exception, the client has the right to take the case to his commanding officer. This is known as Command Appeal. Often, but not always, a commanding officer’s telephone call to the Society’s senior leadership will result in the client receiving financial help.
Did you know that . . .
The
Navy-Marine
Corps
Relief
Society
disbursed
more
than
four
times
the
amount
of
money
contributed
by
the
Did
you
know
that
.
.
.
The
Navy-Marine
Corps
Relief
Society
receives
significant
financial
help
from
outside
the
family?
You’ve
heard
the
expression,
“The
Navy
and
Marine
Corps
take
care
of
their
own.”
It
means
that
we
don’t
rely
on
anyone
outside
the
family
for
help.
The
founders
of
the
Society
felt
strongly
that
they
shouldn’t
ask
for
donations
from
individuals
who
weren’t
eligible
for
financial
assistance
from
the
Society.
That
doesn’t
mean
we
don’t
graciously
accept
unsolicited
donations
from
patriotic
individuals,
organizations
and
corporations
across
Did
you
know
that
.
.
.
The Navy-Marine Corps Relief Society can accept contributions through its web site? More than 8 million people visited the Society’s web site in 2007. After “landing” on our site, nearly 2,000 elected to place their cursor on “Make a Gift” and followed the prompts permitting them to make a one-time or recurring credit card donation. Our site gives donors the flexibility of making a general contribution or directing their charitable gift to support the Society’s combat casualty assistance program, our college education programs or our visiting nurse program. Our website generated $477,296.00 during the past year, with the average donation being $238.50. When talking with your friends outside of Navy and Marine Corps circles, encourage them to learn more about our organization by visiting our web site. Who knows, they might just be added to our growing list of supporters.
Did
you
know
that
.
.
.
The Navy-Marine Corps Relief Society needs Virtual Volunteers? Society Volunteers come from all walks of life. Some are spouses or parents of Sailors and Marines; some are military retirees; some are neighbors of Navy and Marine Corps personnel; and still others simply want to help out the military as part of their patriotic duty. We know that special circumstances might prevent you from spending time away from home, but that doesn’t mean you can’t be a Society Volunteer. There are lots of volunteer roles you can fill without leaving your home. Many involve having access to a computer. You could write articles for the local newsletter or station newspaper, help plan details of an upcoming event, maintain Society records, assist with bookkeeping, even recruit new Society Volunteers. Check out Virtual Volunteer opportunities by contacting the Society Office in your area.
Did
you
know
that
.
.
.
The
Navy-Marine
Corps
Relief
Society
offers
significant
assistance
to
the
widows
of
Sailors
and
Marines?
From
our
very
beginning
in
1904,
the
Navy-Marine
Corps
Relief
Society
has
been
helping
Navy
and
Marine
Corps
widows.
In
fact,
during
our
first
year
of
operations,
the
Society
had
donations
of
$9,000.00
and
we
helped
34
widows
and
orphans
that
year.
Our
support
includes
calling
them
on
the
phone,
visiting
them
in
their
homes,
sending
them
Birthday
and
Christmas
cards
with
an
enclosed
check
and
providing
a
monthly
financial
supplement
to
enable
them
to
maintain
an
adequate
quality
of
life.
Society
Caseworkers
review
their
financial
situation
each
year
to
determine
the
amount
of
financial
assistance
that
is
appropriate.
In
2007,
we
disbursed
more
than
$587,000
to
approximately
100
widows.
NMCRS:
Your
First
Resource!