Monthly Archives: January 2013

Looking back at 2012

National Military Family Association: A look back at 2012Where does a year go? It’s amazing to see the months fly by, filled with memorable occasions like weddings, road trips, big moves, and deployments. 2012 was a year of change, new ideas, and growth for the military community, and for us as well! Here’s how we spent our year.

Sometimes it seems like if something can go wrong, it will. Or when it rains, it pours. Whichever idiom you want to apply, 2012 brought a few unexpected lemons for us to make into lemonade. From the close call of a government shutdown in April, threats to commissary benefits, and the fiscal cliff negotiations in December, we were proud to be  the place military families turned to understand the impact of these actions and find out what could be done in response. It’s nice to know that no matter what comes our way, our community always makes it to the other side of the issue infinitely stronger.

With almost everyone and their grandma (literally) having a smart phone or social media account, these days it seems like we are more connected than ever. Military families are no different, and this year we created a few new ways to provide resources and support via the most-used platforms. Although we are all part of the same community, each military family faces its own challenges going through the many different stages and phases of life. Whether a family is preparing to move, expecting a baby, or anticipating a deployment, our new app, MyMilitaryLife, brings our subject matter expertise and important resources when and where it’s most needed. We’ve had nearly 4,000 downloads from the iTunes and GooglePlay stores, and with six more life paths being added in 2013, we look forward to growing our presence on this new mobile platform.

We are committed to providing spouses and families with the resources and programs needed to make military life a bit easier. We awarded $448,000 in scholarship funds to military spouses beginning or continuing their education through our Joanne Holbrook Patton Military Spouse Scholarship Program. Our Operation Purple® program had another great season, sending 1,581 military kids to camp across the country. With so many service members returning from deployment, creating a network of support during this period of change and adjustment was more important than ever. We held six Family Retreats and four Healing Adventures for families with a wounded or returning service member who needed to ease into the reintegration process after a deployment.

It went by fast, but 2012 was a productive and fulfilling year. We’re excited to see where 2013 takes us—stay tuned for a companion post on the Association’s goals for the year.

Your turn: what would you like to see us focus on this year?

maranathaPosted by Maranatha Bivens, Communications Editor at the National Military Family Association

Losing sleep over your home loan?

Military families: losing sleep over your home loan?Over the past few months, my husband and I have been working with Housing Urban Development (HUD) housing counselors to modify our home loan and learn more about our mortgage options. It has been overwhelming to dig into the nitty-gritty details of the various government programs available to homeowners and to comprehend the fine print of our current mortgage.

Our situation is not unique and I know I’m not the only one losing sleep because of my home loan.

The National Military Family Association has heard from military homeowners across the Nation regarding their struggles with selling a home when they have orders to relocate. When PCS orders arrive, military families too often find their home is worth less than what they owe. In many cases, a LOT less.

While some families find renters, others struggle to maintain two house payments and make ends meets, or are forced to sell at a loss.

To help military families avoid foreclosure, the Treasury Department updated guidance to its Home Affordable Foreclosure Alternatives (HAFA) Program that may help in some circumstances. HAFA pays incentives for a short sale or a Deed-in-Lieu (DIL) of foreclosure used to avoid foreclosure when a borrower is financially unable to continue to pay their mortgage. Under the guidance, service members who cite a PCS order as the basis for their financial hardship when asking for help under HAFA will now be eligible even if their income has not decreased.

Our Association is continuing to work with policymakers to create better solutions for military homeowners. If you’re a homeowner losing sleep over your home loan, seek help (888-995-HOPE) and learn more about your options. Your sleepless nights might become a thing of the past.

What are your concerns as a military homeowner – could  the HAFA program help you?

hannahPosted by Hannah Pike, Communications Deputy Director at the National Military Family Association

One toe over the edge: the Fiscal Cliff and military families

One toe over the ledge: the Fiscal Cliff and military familiesSo we’ve managed not to topple over the cliff, but it looks like we’ll be hanging on the ledge of uncertainty for a few more months. In the wee hours of the New Year, Congress passed a compromise bill to keep the country from heading over the edge. Like any compromise, the bill didn’t please everyone, but it did fix several issues important to military families, including a one-year extension of the Medicare/TRICARE doc fix, which will help protect families’ access to health care. The compromise legislation did not include an increase to the debt ceiling and the Treasury Department estimates it will run out of ways to stay within the current ceiling by late February or early March, right about the time sequestration is now set to start.

And what of those automatic cuts to federal spending, known as sequestration? The best the Congressional leaders and the President could do was to postpone it for two months. That might sound like a good thing, but this delay also means uncertainty about what will or could be cut for military installations, schools that educate military kids, defense contractors, and all other military and community agencies that support military families.

Other provisions included in the compromise bill would:

  • Create a permanent fix for the Alternative Minimum Tax to prevent taxpayers from moving into higher tax brackets simply because of inflation—this fix was needed immediately to keep taxpayers from paying higher taxes on their 2012 income.
  • Permanently extend the Bush-era tax rates for all families earning less than $450,000.
  • Increase the tax rate on capital gains and some estates.
  • Freeze Congressional pay.
  • Extend federal unemployment benefits for one year.
  • Extend provisions in the expiring farm bill by one year. (This means milk prices won’t skyrocket, as you may have seen in the news.)

The compromise bill did not extend the lower payroll tax rate of 4.2% in effect during the past two years through economic stimulus legislation. Therefore, the payroll tax workers pay to support Social Security will immediately return to 6.2%. Workers will see this change in their first paycheck of 2013. Experts estimate that the family earning an average of $50,000 per year will pay an additional $1,000 in payroll taxes this year.

While the New Year’s Congressional action gives the government and taxpayers some breathing room, we’re not out of the woods yet. The temporary delay of the sequestration cuts will combine with other pending budget events to continue the fiscal uncertainty facing our Nation.

The Association appreciates the actions by Congress and the President to provide the fix to Medicare and TRICARE doctors. We remain concerned about the failure to address the potentially devastating sequestration cuts to both civilian and military programs that could have a negative impact on military families. While the delay in sequestration will temporarily protect some needed support services, it also continues the uncertainty, and a military community at war needs certainty that the Nation supports its service. We call on our Nation’s leaders to forge a more permanent solution that will preserve the strength of our service members and their families.

How do you feel about the outcome of the compromise bill and the negotiations surrounding it?

Joyce RaezerPosted by Joyce Raezer, Executive Director at the National Military Family Association

It’s resolution time!

National Military Family Association New Year's ResolutionsIt’s a new year! Time for new beginnings and a fresh start. Many people make New Year’s resolutions and, even if they get broken, we are still a fan of setting goals and planning for the year ahead.

Did you make a resolution for 2013? Here are some of the National Military Family Association staff’s resolutions and goals for the year, in case you need ideas!

Stop eating out at restaurants – Michelle W, Americorps Member

Take more photos throughout the year – Bailey B, Online Engagement Manager

Have a more positive perspective – Maranatha B, Communications Editor

I want to eat healthier – Karen C, Volunteer Services Coordinator, National Capital Region

To be more patient – Anne M, Development and Membership Deputy Director

To carve out time in my schedule to focus on my physical well-being (hit the gym!) – C.C. G, Government Relations Deputy Director

Spending more quality time with my kids – Amanda A, Content Manager, MyMilitaryLife app

Eat less sugar – Caroline R, Development and Membership Manager

Volunteer more – Hannah P, Communications Deputy Director

So, what is your 2013 New Year’s resolution or goal?