Looking for a job? Plan on attending the Black Hills Veteran’s Job Fair – Wednesday, June 24

2015VetsJobFair_400The Airman and Family Readiness Center along with Hero 2 Hired, ESGR and the SD Department of Labor are pleased to announce the 2015 Black Hills Veteran’s Job Fair.

This event will be held on Wednesday, June 24, 2015 at Western Dakota Tech (WDT) from 12:00pm to 5:00pm. This event is open to active duty, veterans, spouses, and work ready dependents.

We will have local and national employers and helping agencies signed up. You do not have to register to attend.

You can view the updated list of employers at the following link:
http://jobs4ellsworth.com/eap/jobfairs/

Office of Personnel Management Data Breach

OPMLogoLast night’s national news alerted us to the data breach that occurred at the Office of Personnel Management (OPM) in April of this year. Reportedly current and former federal employees personal information may have been compromised. OPM handles all aspects of a federal civilians career and federal civilian employees of many agencies are likely affected. OPM stated in their announcement that beginning 8 June and continuing through June 19, they would be sending notifications to approximately 4 million individuals whose personally identifiable information was potentially compromised. “The email will come from opmcio@

csid

.com and it will contain information regarding credit monitoring and identity theft protection services being provided for 18 months (at no cost to the employee) to those Federal employees impacted by the data breach.” Visit our identity theft page for steps to take to protect yourself: http://ellsworthafrc.org/programs/finances/idtheft/


Below is the full announcement from the OPM: Source: http://www.opm.gov/news/latest-news/announcements/

Information About the Recent Cybersecurity Incident

June 4, 2015

The U.S. Office of Personnel Management (OPM) recently became aware of a cybersecurity incident affecting its systems and data that may have compromised the personal information of current and former Federal employees. Within the last year, OPM has undertaken an aggressive effort to update its cybersecurity posture, adding numerous tools and capabilities to its networks. As a result, in April 2015, OPM became aware of the incident affecting its information technology (IT) systems and data that predated the adoption of these security controls. Since the incident was identified, OPM has partnered with the U.S. Department of Homeland Security’s U.S. Computer Emergency Readiness Team (US-CERT), and the Federal Bureau of Investigation to determine the impact to Federal personnel.  And OPM immediately implemented additional security measures to protect the sensitive information it manages. Beginning June 8 and continuing through June 19, OPM will be sending notifications to approximately 4 million individuals whose Personally Identifiable Information was potentially compromised in this incident.  The email will come from opmcio@csid.com and it will contain information regarding credit monitoring and identity theft protection services being provided to those Federal employees impacted by the data breach. In the event OPM does not have an email address for the individual on file, a standard letter will be sent via the U.S. Postal Service. In order to mitigate the risk of fraud and identity theft, OPM is offering affected individuals credit monitoring services and identity theft insurance with CSID, a company that specializes in identity theft protection and fraud resolution.  This comprehensive, 18-month membership includes credit report access, credit monitoring, identity theft insurance, and recovery services and is available immediately at no cost to affected individuals identified by OPM. Additional information is available beginning at 8 a.m. CST on June 8, 2015 on the company’s website, csid.com/opm, and by calling toll-free 844-222-2743 (International callers: call collect 512-327-0700).

Steps for Monitoring Your Identity and Financial Information

  • Monitor financial account statements and immediately report any suspicious or unusual activity to financial institutions.
  • Request a free credit report at AnnualCreditReport.com or by calling 1-877-322-8228.  Consumers are entitled by law to one free credit report per year from each of the three major credit bureaus – Equifax®, Experian®, and TransUnion® – for a total of three reports every year.  Contact information for the credit bureaus can be found on the Federal Trade Commission (FTC) website, ftc.gov.
  • Review resources provided on the FTC identity theft website, identitytheft.gov.  The FTC maintains a variety of consumer publications providing comprehensive information on computer intrusions and identity theft.
  • You may place a fraud alert on your credit file to let creditors know to contact you before opening a new account in your name.  Simply call TransUnion® at 1-800-680-7289 to place this alert.  TransUnion® will then notify the other two credit bureaus on your behalf.

eSponsorship Training Gets an Update

The eSponsorship Application and Training (eSAT) course has been updated to the DoD’s new training platform, My Training Hub. The interactive eSAT will help sponsors make the most of sponsorship training.

Here are some of the features:

 – 24/7 accessibility – Sponsors will be able to log in to My Training Hub using their Common Access Card, or CAC. The eSAT website will remain the same (http://apps.militaryonesource.mil/esat), however, non-CAC users can access the site through My Training Hub (https://myhub.militaryonesource.mil).

– Customized resources – Sponsors will learn how to support a single service member, a family with pets, a family with special needs or any combination. With eSAT’s customizable resources, sponsors can create an electronic welcome packet personalized to their inbound family’s needs. My Training Hub currently offers several military-focused training courses like Money and the Move and Investing in Your Future. With the new eSAT course added to the lineup, My Training Hub is sure to become an integral part of your relocation toolkit.

Visit our sponsorship page for information about being a sponsor and a link to the training.

Hangar Games: Games in our Great Outdoors – 13 June

2015.06Come join us at the Pride Hangar for our next installment of Hangar Games on Saturday, June 13th from 1 PM to 3 PM.

We will have activities for everyone to include:
– 2 mile walk/run with the Fitness Center
– Demonstrations of disc golf, putt-putt golf and geocaching
– Climbing wall, kick ball, and bounce house
– Prize drawings from various Black Hills locations and more!

Don’t forget your Hangar Games punch card!

Quiz: Financial Emergencies – What should you do?

1. TRUE or FALSE – You should only set aside enough money in an emergency savings fund to cover one month’s worth of living expenses.

2. TRUE or FALSE – You should take a loan or hardship withdrawal from your retirement savings plan in the event of a financial emergency.

3. TRUE or FALSE – You should invest your emergency savings in stocks and bonds.

4. TRUE or FALSE – You should set up automatic contributions to an emergency savings fund.

5. TRUE or FALSE – You should use your emergency savings to put an addition on your house.Financial Quiz


1. False. Many financial advisers recommend setting aside six months’ worth of living expenses for an emergency. To calculate the amount you need to save, add up your mandatory monthly expenses (mortgage or rent, utilities, health care, food) and your discretionary monthly expenses (dining out, travel, entertainment). Focus on saving enough to cover your mandatory expenses first, and then move onto your discretionary expenses.

2. False. Saving for an emergency is just as important as saving for retirement, but the two accounts are separate for a reason; retirement savings should never be used for anything other than retirement income. Loans and hardship withdrawals reduce the amount of money growing in your account, prohibit you from contributing to your account for a period of time and, in some cases, result in tax penalties.

3. False. To help ensure that your money is available when you need it, deposit your emergency savings in a low risk money market fund or bank savings account. These investment vehicles provide easy access to cash when you need it, and protect your savings from the possibility of market declines associated with higher-risk investment options.

4. True. If you don’t already have an emergency savings account, you should be able to easily open a savings account at your bank. Once the account is open, you can set up automatic deposits to simplify the contribution process and help you save consistently.

5. False. Emergency savings funds exist for the sole purpose of helping you make ends meet if there’s a significant change to your income — for example, you lose your job or can’t work due to an injury — and covering unanticipated costs that you haven’t budgeted for, such as a major car repair.

BasicInvesting2015_400Join us for our monthly Basic Investing and Savings workshop to learn about:

  • How to set financial goals
  • The basics of investments and savings options
  • Allocating investments to help meet your needs and your goals

Call 385-4663 to register for the next available workshop!

State Bar of South Dakota’s Ask-A-Lawyer Program – May 5-7

SDStateBarlogoSouth Dakotans can get free legal advice from experienced lawyers when the South Dakota State Bar Association sponsors the annual Ask-A-Lawyer program May 5-7.

Each call is handled anonymously by experienced attorney volunteers. Last year Ask-A-Lawyer answered over 1,000 calls from East River to West River South Dakota, ranging from family issues to contracts, wills, real estate, and more.

The calls are not intended to be an in-depth analysis of the caller’s legal concerns, but to answer general legal questions and, if appropriate, refer the caller to specific lawyer referral services or a government agency.

Attorney volunteers will answer calls May 5-7 from 6:00 PM – 9:00 PM MDT and 7-10 p.m. CDT. They will answer calls at locations in Rapid City and Sioux Falls, but can be reached by residents anywhere in the state. West River residents may call toll free 1-877-229-2214. East River residents may call toll-free 1-877-229-2213.