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.

How Smartphones Are Tracking Your Every Move

From NBC Nightly News (29 April 2015): Your smartphone may be keeping track of where you live, work and go for coffee every day. iPhone and Android phones keep lists of your movements and the Android is not just keeping those details on your device. Jeff Rossen from NBC News reported on this last night and provides instructions on how to turn off these features.

Lunch & Learn: Parenting Classes and Resources – 29 April

LunchLearn_2015-04_400Join us for a brief workshop during your lunch hour. Feel free to bring you own lunch, beverages will be provided.

This month’s topic will be parenting classes and resources available for FREE to the Ellsworth Community.

Open to anyone with base access. Please call 385-4663 to register!

Month of the Military Child Event – Saturday, April 18

The Airman & Family Services Flight is celebrating Month of the Military Child with an event at the Pride Hanger on Saturday, 18 April from 1:00 PM to 3:00 PM. Come out an enjoy the activities with the family!

MOMCFlyer2015_adThe Pride Hanger event will include:

  • Static displays from various on-base agencies that kids can interact with
  • Security Forces K-9 demonstrations
  • Climb the rock wall and play in Jumpy Castles
  • Visit with Sparky and McGruff
  • Visit the Youth Programs Sensory Tables and other activities
  • All for FREE and no registration required

Visit http://ellsworthafrc.org/kdl/ for more information.