2012
I S S U E
MAR/APR
41
this issue
Director’s Letter/Recipes P.2
Get Moving for Better Health/SpotlightP.3
March Training Calendar, Activities, Baby Announcement P.4
Oct/Nov Employees of the Month P.5
April Training Calendar, Activities, Employee Coupon P.6
Oct/Nov Retail Employees of the MonthP.7
Income Tax Tips P.8
CIVILIAN FITNESS PROGRAM
By Mary Ellen Barrena
WHO am I?
I work in the 92278 zip code.
I’m wearing sweat pants, a comfy t-shirt and
tennis shoes.
I have a water bottle in hand and I’m checking
in for duty.
Gotcha stumped? I’m an MCCS employee
participating in the Combat Center’s
Civilian Fitness Program (CFP), offered
to MCAGCC employees in January 2010.
Once certain criteria are met, employees
may don work out attire and head to one
of several fitness facilities, the PFT course
or a customized route that works for their
chosen exercise routine.
The Office of Personnel Management,
the United States Marine Corps and 30%
of American businesses acknowledge the
value of promoting a healthy workforce via
work-based fitness programs. Per Combat
Center Order (CCO) 12000.8, the mission
at MCAGCC is “to promote improvement of
physical health of participating individuals
and to benefit this command through
improved readiness and productivity from
a healthy workforce.” Studies consistently
show employee fitness programs increase
productivity, performance, morale and
attitude, as well as reduce stress, sick leave
and absenteeism of participating employees.
Locally, we are on board!
Should YOU accept this mission, obtain
a copy of CCO 12000.8 (there’s a link at
the end of this article)along with your
supervisor’s permission,
complete the required forms
which include a medical
release good for one year,
submit through the proper
channels and once approved,
you are on your way to fitness
at work!
The specifics, you ask? For
up to one hour on three
different days per week, you
may exercise while on work
time. Imagine yourself….
toning, reducing your blood pressure,
releasing beneficial endorphins to reduce
stress, building stronger muscles and
bones….all in a days work? Most of us find
time constraints or insufficient facilities
prohibit us from working out regularly.
Here at MCAGCC, lack of facilities hasn’t
been a problem, but finding the time to
fit into our already packed day has been
difficult. With the signing of this order in
2010, employees have up to three hours
where you can get paid to exercise. Now,
that’s a benefit!
The biggest hurdle, besides taking that first
step to beginning any exercise regimen, is to
get the boss’ approval. In many MCCS jobs
participation in the fitness program may be
accomplished without interrupting the day
to day operations; however, there are some
positions where participation can impede
the work at hand. In those cases, the
supervisor’s or Division’s tough call may be
to disallow participation. We are first and
foremost a customer driven organization
so although the program is supported by
the command, approval is contingent upon
mission requirements, per CCO 12000.8.
May is National Employee Health and
Fitness Month, why not see if you can
participate and kick off during the national
celebration of fitness at work!
Asked to describe their participation in
CFP, MCCS employees say
Appreciate it’s offered!
… Kay Emerson, Library Manager, Marine & Family
Services Division
Compelling , motivating , amazing!
… Stephanie Andrews, Editor, Desert Magazine,
Marketing Division
A great perk!
… Laura Putnam, Human Resources Assistant,
Personnel
Find the form at http://www.marines.mil/
unit/29palms/hro/documents/CivFit%20Form.pdf
It’s going to be a lively spring aboard the Combat
Center this year. With special events, sports and
employee programs designed to keep you active - it’s the
perfect time to get out there, get moving and enjoy the
benefits that accompany your employment with MCCS.
One of our most exciting events is the return of actor
Gary Sinise and the Lieutenant Dan Band. Join us on
April 13 at Sunset Cinema for the band’s eighth annual
show at MCAGCC. All employees are invited to attend
what is always a lively concert!
Because we recognize the importance of staying
healthy, I encourage our full-time regular status
employees to take advantage of the Civilian Employee
Fitness Program. The Combat Center-initiated program
allows you, with your supervisor’s approval and doctor’s
permission, the opportunity to spend three work hours
per week engaged in fitness activity. We highlight the
benefits of this amazing program in this issue.
Why not get the whole family engaged in some
physical activity? The MCCS Youth Sports program is
open to the children of all MCCS employees and is a
great outlet to introduce your child to some healthy
habits. This spring there’s baseball, tennis, golf, track and
field, even cheerleading camp - plenty of opportunities
to get involved! Stop by the Community Center or call
830.8421 to find out how your family members can
participate.
Making these activities available to our employees is
just one of the ways we thank you for all that you do.
But whether you participate in these activities or not,
please know that we deeply appreciate all that you do.
Your dedicated service to our military families makes
me proud of MCCS on a daily basis. Keep up the good
work!
Sincerely,
Katherine
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Get Moving for Better Health
Information
& Referral
2012
2
2
by Amalia Schocken, MCCS Personal
Trainer
Spotlight Recognition
By Stephanie Andrews
WHAT THEY DO AND HOW THEY HELP
In each issue we’ll be highlighting a different department of MCCS; explaining what they specifically do
and how their efforts positively impact the lives of Marines, Sailors and their families.
WHO: Information and Referral, Bldg. 1551
WHAT: Information and Referral (I&R) is a part of
Personal Readiness and Community Support (which also
includes Personal Financial Management, Relocation
Assistance and the Retired Activities Office). It is a
branch of Marine and Family Services. I&R has only one,
very capable specialist in its section; Tamara Harrison.
Tamara’s motto for I&R is “The Right Resource ,The
Right Way, The First Time.” Anyone who starts a
question with “how do I...” or “who do I...” can turn to
I&R for guidance.
HOW: The military lifestyle can be a tricky one to
navigate. Information and Referral aims to make it less
so. The office has a plethora of information that aid
military personnel, DoD civilians, sponsored family
members and retirees. Marines, Sailors and family
members turn to I&R for these helpful packets; Welcome
Aboard (both for our station or for any station someone
may be transferring to) and Pre and New Marriage
(everything needed to process a new family member into
the military community). As well as providing details on
the Marine for Life program, available to anyone who
may be getting out. They also offer information about
MCCS services, can suggest ideas about things to do
aboard the Combat Center and surrounding areas, as well
as offering six CAC card free computers with printing.
But perhaps the most simple but most powerful gesture
of all is that Tamara says she welcomes each and every
new face who walks in her door and thanks them for their
service.
WE WANT YOUR PARTICIPATION
RECIPE
Do you have a tasty recipe
to share? Please submit
your favorite dish today.
MCCS DEPARTMENT SPOTLIGHT
Send us your nomination for
the next issue. Tell us why your
department rocks.
NEW BABY
Email us a photo of your new
bundle of joy to share with
your co-workers.
Please send submissions to andrewssa@usmc-mccs.org
It’s common knowledge that a
sedentary lifestyle can lead to health
problems like heart disease, type 2
diabetes and hypertension. We all know
that getting exercise daily is one great
way to lead a long and healthy life.
But did you know that exercise alone
may not be enough? Recent research
published on the American Council on
Exercise website suggests that people
who engage in long periods of sitting
or lying down, like watching hours of
television, are at risk of health problems.
Perhaps the most surprising part of the
new research, done by the Heart and
Diabetes Institute at the University of
Queensland, is that the risk is still there
even for people who exercise.
Long story short, simply putting in
a session at the gym several times a
week may not do the trick. Healthy
habits include not only a sweat
session but also making movement a
regular part of your day. Take frequent
computer breaks, walk around while
doing simple tasks, play with your
kids in the beautiful desert weather
and always, always, always take the
stairs. Fitness is a lifestyle and in order
to reap the most benefit, we must live
an active life.
For more information on this or any
other fitness topic, visit acefitness.
org, take a FREE group exercise class
aboard the base, or talk to one of the
friendly and knowledgeable trainers at
any of the MCCS gyms!
3
MARCH
Training Calendar
MCCS Fitness and Nutrition
Facilitated by Danielle Kyle
Mar. 1, 8 -11:30 a.m.
East Gym
After All… You’re the Supervisor!
Facilitated by Heather Martin
Mar. 6, 8 a.m. - 4 p.m., Personnel Training Room
Speaking Effectively…
to 1 or 1,000
MARCH ACTIVITIES CALENDAR
Facilitated by Heather Martin
Mar. 7, 9 a.m. - 12 p.m.
Personnel Training Room
Give Em’ the Pickle
Facilitated by DeWitte Mandley
Mar. 9, 8 a.m. - 12 p.m.
Personnel Training Room
New Employee Orientation &
Indoctrination: (All New Employees)
Mar. 12-14, 8 a.m. - 4 p.m.
Personnel Training Room
TA Brief
Facilitated by the MCCS Training Dept.
Mar. 15, 9 - 10 a.m. or 1 - 2 p.m.
Personnel Training Room
The Difficult Guest
Facilitated by Heather Martin
Mar. 20, 8 a.m. - 12 p.m.
Personnel Training Room
Marine Corps Acculturation
Facilitated by DeWitte Mandley
Mar. 21, 8 a.m. - 2 p.m.
Personnel Training Room
Program
Activity
Date & Time
Age
MCCS Special Events
830.5086  Bldg. 1024
Operation Magic
March 14, 7 p.m.
Sunset Cinema
MCCS authorized patrons
(18 and over)
New Parent
Support Program
830.7622  Bldg. 1438
Baby Basics Workshop
March 7, 8 a.m. - 4 p.m.
(must call to register)
MCCS authorized patrons
Leapin’ Lucky Leprechauns
March 15, 6 - 7 p.m.
MCCS authorized children
T-ball
April 6 - June 16 (register
through March 16)
MCCS authorized children
ages 4 - 6
Youth Tennis
April - June (register through
March 16)
MCCS authorized children
ages 7 - 18
Ultimate Warrior Challenge
March 7, time TBD, West Gym
MCCS authorized patrons
Marine Corps Family
Team Building
830.3110  Bldg. 1551
L.I.N.K.S. for Spouses
March 13 & 14, 8 a.m. - 1 p.m.
MCCS authorized patrons
5 Love Languages
March 29, 10 a.m. - 12 p.m.
MCCS authorized patrons
Auto Skills Center
830.7527  Bldg. 1083
How to Change a Tire
Workshop
March. 10, 11 a.m.
MCCS authorized patrons
Family Advocacy
Program
830.6245  Bldg. 1438
Couples Communication
Workshop
1st and 3rd Tuesday of each
month, 9 a.m. - noon
MCCS authorized patrons
Lifelong Learning Library
830.6875  Bldg. 1528
Youth Sports
830.8421  Bldg. 1004
Semper Fit
830.6451  Bldg. 1407
A New MCCS Baby
Employees of the Month
Runners Up
New Employee Orientation &
Indoctrination: (All New Employees)
Facilitated by Heather Martin
Mar. 26-28, 8 a.m. - 4 p.m.
Personnel Training Room
RUNNERS UP
Facilitated by Heather Martin
Mar. 23, 9 - 11:30 a.m.
Personnel Training Room
Mid-Level
RUNNERS UP
Creating Goals and Objectives
Mid-Level
- Alice Elmer
Marine & Family Services
- Jeannie Fuga
Finance
Frontline
- Jessie Pickett
Business Operations, F&H
- Dawn Sherman
Business Operations, F&H
October - CONGRATULATIONS!
CDSO BRIEF
(no need to register)
Mar. 30, 10 a.m. or 1 p.m.
Caroline
Visit mccs29palms.com or call
830.6163 ext. 222 for more details.
born to Heather Martin,
Employee Development Specialist
Aug 27, 2011 at 12:34pm
7 lbs, 7 oz., 21” long
4
CONGRATULATIONS!
- Megan Walker
Finance
- Stacye Calvert
Marine & Family Services
Frontline
- Derek McMillan
Semper Fit
- Anthony Parker
Business Operations, F&H
November - CONGRATULATIONS!
Please see the form section of the Employee page at
mccs29palms.com to nominate a fellow employee.
By Stephanie Andrews
Jolene Patton, October Mid Level
Marine & Family Services, Administrative Assistant New Parent Support
Jolene loves working in the New Parent Support Program. In addition to providing support to the team, she aims to
spread the word about just how helpful the program is at teaching parenting skills and helping through the trials and
tribulations of parenthood. In fact, Jolene finds the info they provide so useful that she uses it on her own children
ages eight and fourteen, despite that it’s aimed at ages five and younger. But her job is not the only thing this Reno
native embraces, she LOVES the desert. The heat, the dirt, the fact that she doesn’t have a lawn to mow; all reasons
that Jolene is happy exactly where she is. Give her a bottle of nail polish and she’s even happier. She does her
nails up to three times a week and looks at it as a way to relax and be creative. Finally, I asked her what her fellow
employees would be surprised to know. She replied “if I have on boots, it’s a 50% chance that my socks may not match!”
Maria Starr, October Frontline
Food & Hospitality, Cook
Maria Starr has spent three years at MCCS doing exactly what she enjoys doing most, cooking. She begins her
shift at Charlie’s Coffee House at 4:30 a.m. making whatever the hungry crowd orders. But in her personal life,
the omelets and burritos are put aside, as Filipino cuisine is what Maria enjoys making most of all. She is, in fact,
so skilled that many co-workers will ask her to make dishes for their own special occasions. She especially enjoys
preparing Rice Puto, a sweet steamed rice cake, which can take three to four days to prepare, and Chicken Adobo,
a traditional dish with garlic, vinegar and soy sauce. Which is just fine with the biggest fans of her cooking, her four
children, ages six to 20, and her husband, a former member of the United States Air Force. So stop by Charlie’s and
say hello to Maria while she does what she does best, we bet you’ll become a fan too!
Michelle Shotwell, November Mid Level
Marine & Family Services, Lead Victim Advocate
When I ask Michelle Shotwell what advice she’d give fellow MCCS employees hoping to succeed, she tells me “Give
it your best. Every job here is important, you do make a difference”. No one knows this more than Michelle. It’s
precisely what she’s been doing since 2008 in the very important role of Victim Advocate. She’s on call 24 hours
most days, providing support for victims of domestic violence and sexual assault, and to non-offending parents in
child abuse cases. With such serious subject matter, I asked Michelle how she avoids letting it affect her? She wisely
chooses to focus on the positive side of her job, helping people. If she’s able to put a person’s mind at ease and
steer them in the right direction, she walks away feeling good. Reading, relaxing and spending time with her three
dogs helps as well. Though Michelle, who grew up in South Africa, is certified for both domestic violence and sexual assault in the state of
California, she plans to be fully credentialed as a Victim Advocate in the National Advocate Credentialing Program within the next five years.
Erin Detty-Greschaw, November Frontline
Business Operations, Design & Display
Erin received the Employee of the Month award for doing what she has aimed to do every day in her five months
in Design and Display, assisting wherever she’s needed. This time it was stepping in to help MIS with the video
projection screen displayed at this year’s holiday party. She recognized a problem and quickly grabbed the supplies
needed to fix it. But as happy as we are to have gotten to know Erin’s “can do” attitude, we’ll be just as sad to see it
go. She’ll be leaving in mid April when her husband is transferred to Camp Lejeune. Someone else who will be sad
to see her go, her softball team. Erin played Short Stop and Outfield on a base team ever since she arrived (and in
her Greenwood, Indiana high school as well). Erin, her husband Todd, and their dogs Roxi and Drako look forward
to whatever the move holds for them, including expanding their family. We wish you nothing but the best and thank you for your hard work
while you were here!
5
APRIL
Training Calendar
IMCP Training
Apr. 3, 1 - 3 p.m.
Personnel Training Room
Leadership Pickles
Facilitated by DeWitte Mandley
Apr. 4, 8 a.m. - 12 p.m.
Personnel Training Room
IMCP Training
Apr. 5, 9 - 11 a.m.
Personnel Training Room
MCCS Fitness and Nutrition
Facilitated by Danielle Kyle
APRIL ACTIVITIES CALENDAR
Apr. 6, 8 - 11:30 a.m., East Gym
WCCS Refresher
Program
Personnel Training Room
MCCS Special Events
830.5086  Bldg. 1024
Gary Sinise and Lt. Dan Band
April 13, 7 p.m., doors open
at 6:30, Sunset Cinema
MCCS authorized patrons
All Hands Restaurant
(at Officers’ Club)
830.6610  Bldg. 1573
Steak Night
Every Monday, 5 - 7:30 p.m.
All hands
Sandy Hill Lanes
830.6422  Bldg. 1584
April Fools Tournament
April 1, call for time
MCCS authorized patrons
Semper Fit
830.8410  Bldg. 1588
Family Field Day
April 28, time TBD, Felix Field
MCCS authorized patrons
Youth Sports
830.8421  Bldg. 1004
Challenger British Soccer Camp
June (register now)
MCCS authorized children
ages 3 - 18
L.I.N.K.S. for Kids CAX
April 26, 9 a.m. - 2 p.m.
MCCS authorized patrons
Family Readiness Volunteer
Training
April 3 & 4, 5 - 8 p.m.
MCCS authorized patrons
New Parent
Support Program
830.7622  Bldg. 1438
Solutions to Parenting
Challenges Workshop
April 18, 8:30 a.m. - 1:30 p.m.
(must call to register)
MCCS authorized patrons
TA Brief
Auto Skills Center
830.7527  Bldg. 1083
Lubricating and Cooling
Advanced Workshop
April 21, 11 a.m.
MCCS authorized patrons
Personnel Training Room
Counseling Services
830.6245  Bldg. 1438
Open Door Counseling
Mondays, 5 - 7 p.m.
MCCS authorized patrons
Facilitated by Heather Martin
Apr. 6, 8 a.m. - 12 p.m.
New Employee Orientation &
Indoctrination: (All New Employees)
Apr. 9-11, 8 a.m. - 4 p.m.
Personnel Training Room
How To Win The Battle and
NOT Wage War
Facilitated by Catherine DeBlieck
Apr. 12, 8 a.m. - 12 p.m.
Personnel Training Room
IMCP Training
Apr. 12, 1 - 3 p.m.
Personnel Training Room
Mixing 4 Generations
in the Workplace
Facilitated by DeWitte Mandley
Apr. 13, 8 a.m. - 12 p.m.
Personnel Training Room
Facilitated by the MCCS Training Dept.
Apr. 16, 9-10 a.m. or 1-2 p.m.
Are You Listening?
Facilitated by the MCCS Training Dept.
Apr. 17 & 18, 8 a.m. - 4 p.m.
Personnel Training Room
PeopleSoft Time and Labor for
Managers & Timekeepers
Facilitated by Kim Ayala
Apr. 19, 9 - 11 a.m.
Personnel Training Room
Speaking Effectively…
to 1 or 1,000
Facilitated by Heather Martin
Apr. 20, 9 a.m. - 12 p.m.
Personnel Training Room
New Employee Orientation &
Indoctrination: (All New Employees)
Apr. 23-25, 8 a.m. - 4 p.m.
Personnel Training Room
Activity
Marine Corps Family
Team Building
830.3110  Bldg. 1551
EMPLOYEE COUPON
MAR/APR 2012
10%
RECEIVE
OFF
ALL SHEETS
& TOWELS
Keeping the Good Ones:
Employee Retention
Facilitated by Heather Martin
Apr. 26, 8 a.m. - 12 p.m.
Personnel Training Room
CDSO Brief
MAIN EXCHANGE • BLDG. 1502
760.830.6163
.830.6
.83
8330.6
0 61633 • MCCS29PALMS.COM
MC
MCC
CCS29
S PAL
PA
ALMS.
MS.
MS
MS.
S CO
CO
Apr. 27, 10 a.m. or 1 p.m.
No need to register
Visit mccs29palms.com or call
830.6163 ext. 222 for more details.
6
Valiid Ma
Vali
Valid
March
rch 1 - Apr
rch
Apri
April
il 30,
3 2
30
20
2012
12
One Coupon Per Employee. Valid MCCS ID required.
Not to be combined with other specials, discounts & coupon offers.
Date & Time
Age
October
KAREN PASSOT
STEPHANIE PENDEXTER
VALERIE BRIDGES
Supervisor, Ocotillo Exchange
Sales Associate, Camp Wilson
Sales Associate, Camp Wilson
Karen (pictured with Store Manager Trisha
McDowell and MSgt Ferguson) is the oil
that keeps Ocotillo Exchange running. In the
absence of a manager, Karen stepped up to the
plate, worked without misstep and proceeded
to exceed what was expected of her. We are
impressed with the quality of her work and
the amount of knowledge she has amassed
in the five years she has been an employee.
The success of the Ocotillo Exchange is
largely dependent upon Karen’s outstanding
performance. Her positive attitude, dedication,
and willingness to learn are the qualities
which make up the foundation expected of
MCCS management.
Stephanie (pictured with Store Manager GySgt
Chisholm, Store Supervisor Robin Ashkenasy
and MSgt Ferguson) is a sales associate who
truly takes pride in her work. She is dedicated
to ensuring that the facility is successful by
continuously providing World Class Customer
Service to all patrons. In the time that
Stephanie has worked at Camp Wilson she has
never called out of work and always adheres
to the schedule that is made. She always
takes initiative to complete tasks, continuously
identifies areas in the store that need to be
restocked and assists fellow co-workers to
complete their tasks when needed.
In the short time that she has been employed
with MCCS, Valerie (pictured with Store Manager
GySgt Chisholm, Store Supervisor Robin
Ashkenasy and MSgt Ferguson) continues to
make a huge contribution to the success of
the facility. She is a dedicated employee who
is very punctual and has never missed a day
of work. While working on the register, she
provides World Class Customer Service to all
patrons and has received a perfect 100% score
in two secret shopper reports. Valerie is very
effective in communicating with all customers
and always displays a cheerful, positive attitude
when doing so.
ROUAINE VAUGHN
JEROME RODGERS
MARCUS NOIL
Sales Associate, Camp Wilson
Laborer, Main Exchange
Materials Handler, Retail Warehouse
Rouaine goes above and beyond regular duties
by filling the billet of audit clerk. Beginning in
October 2011, she volunteered to learn how to
reduce the “Negative on Hands” in the facility.
Her work ethic and dedication of this duty
helped reduce this amount by over $10,000.
Jerome is a very hard working individual. He
continuously does much more than what his
duties call for. He has shown his dedication,
work ethic and desire to perform exceedingly
well in whatever he has been assigned to do.
Jerome is an asset to this company and has
always shown respect to his fellow employees
and provided World Class Customer Service to
our customers.
Marcus always has a positive attitude and is
a pleasure to work with. He will always do
anything that is asked of him, whether it’s
unloading big rig trucks, UPS, Federal Express
or completing in house transfers. He is looking
forward to learning all he can about warehouse
operations as well as using the wonderful
resources that MCCS offers to help further his
career in MCCS.
November
7
TEAM MCCS Issue 41 March/April 2012
PRST STD
Commanding General
MCAGCC
Marine Corps Community Services
Box 788150
Twentynine Palms, CA 92278
US POSTAGE PAID
29 PALMS, CA
PERMIT # 101
We Want to Hear
from YOU!
Do you have a
question for us?
Please direct your
feedback to the
Marketing Department
via your Division Head.
TEAM MCCS is a Marine Corps Community Services Publication
LOOK INSIDE FOR YOUR EMPLOYEE COUPON
on pg. 6
PAY YOURSELF OR PAY UNCLE SAM
by Sandra Little, AFC, Personal Financial Management Program
It’s a fact of life that everyone has to pay
taxes on the income they earn. The primary
objective of tax planning is to manage your
finances to minimize the percentage of income
the government collects as taxes. Legally
minimizing your tax liability is called tax
avoidance. Not to be confused with tax evasion
(which is lying about income, expenses or other
efforts to illegally defraud the government of
money owed). To offset the amount owed,
consider paying yourself instead of Uncle
Sam. Tax sheltered investments are methods of
deferring taxes until a later date when the tax
rate will likely be lower. By deferring taxes, we
can take advantage of the time value of money
(compounding). The easiest and best way to
defer taxes is through pre-tax contributions
to retirement plans like the Thrift Savings
Plan and traditional Individual Retirement
Accounts (IRA), and civilian employer-provided
401(k) plans. This means that your retirement
contributions are taken from your paycheck
before taxes are deducted.
Also, ensure that your withholdings and
exemptions are correct. An income tax
withholding is the money an employer deducts
from an employee’s paycheck that is used to
pay all or part of individual’s income taxes. An
exemption is the portion of a person’s income
on which no tax is imposed. It is important
to understand that the allowances claimed on
your W-4 can be adjusted as needed; there
isn’t a requirement to claim the same number
of allowances as dependents. By adjusting
your allowances, you can strive to end the year
with zero tax liability. This will put additional
dollars in your pocket each month, money that
can be used more productively (i.e., funding
an emergency account, paying down debt,
investing or other financial goals).
Another option to keep in mind is to use pretax dollars to pay certain expenses. Health
plan premiums, life and disability insurance
premiums and flexible spending accounts are
qualified expenses. Contact MCCS’ Employee
Benefits representative for enrollment
information. After exhausting the options
available to eliminate and defer taxes, the final
objective is to reduce taxes by taking advantage
of tax deductions, such as education expenses,
mortgage interest and property taxes paid.
Lastly, for those that practice over withholding
in effort to receive a refund or for those that
may see this as a form of saving, know that
Uncle Sam does not pay interest on your
money! A free IRS withholding calculator is
available at http://www.irs.gov/individuals/
article/0,,id=96196,00.html
Let MCCS help you manage your money!
To reserve a space in any of these classes,
email tracy.earnest@usmc.mil.
Developing a Budget
March 6 & April 3
Thrift Savings Plan
March 13 & April 10
Credit & Debt Management
March 20 & April 17
Car Buying
March 27 & April 24