The official publication of the R&W Association and FedESP.com
Apple Picking Choosing Health Insurance Fall Festivals & Foliage The Art of Silk
Recreation & Welfare | September/October 2015 1
September/October 2015
Recreation & Welfare
GET THREE COUNTRIES FOR THE PRICE OF ONE U.S., Mexico, and Canada now included at no extra charge.
Now wherever you call or travel north or south of the border, your coverage just works like it does at home. Switch to T-Mobile® and get unlimited calls and texts to and from the U.S., Mexico, and Canada to any phone—plus 4G LTE data—at no extra charge. All with no annual service contracts and no overages.
3 countries for the price of 1.
(Price with discount)
ONE LINE
4250
$
/mo.
TWO LINES
$
6800 /mo.
THREE LINES
$
7650
/mo.
FOUR LINES
$
8500 /mo.
Additional lines are $10 per month per line up to 10 lines. Includes up to 1 GB 4G LTE per line.
un -leash
®
Advantage™ bonus! Sign up for the Advantage™ Program and get a 15% monthly Advantage™ discount on any line of your account. Advantage™ Program offer not available in retail stores.
Experience mobile without borders
Call 1-866-464-8662 and use promo code 20417TMOFAV Have Questions? Contact harold.wintters@t-mobile.com
Capable device required to achieve 4G LTE speeds. Limited-time offer; subject to change. Taxes and fees additional. Not all features available on all devices. Unlimited talk and text features for direct communications between 2 people. Simple Choice North America General Terms: Credit approval, deposit, and up to a $15 SIM starter kit may be required. If you switch plans you may be bound by existing term (including early termination provisions) and/or charged an up to $200 fee. Regulatory Programs Fee of $2.71 per line/month applies. Taxes approx. 6–28% of bill; additional usage taxed in some countries. Additional charges apply for calls to other countries; calls rated on a per-minute basis. Call forwarding only to U.S. numbers. Partial minutes/megabytes rounded up. Full speeds available up to monthly allotment, including tethering (Unlimited on smartphone 4G LTE data option includes 7 GB of tethering); then, slowed to up to 2G speeds for rest of billing cycle. Certain uses, e.g., some speed test apps, may not count against high-speed data allotment or have speeds reduced after allotment reached. U.S. roaming and on-network data allotments differ; see your selected service for details. Unlimited high-speed data customers who use an extremely high amount of data in a bill cycle will have their data usage de-prioritized compared to other customers for that bill cycle at locations and times when competing network demands occur, resulting in relatively slower speeds. See T-Mobile.com/openinternet for details. Not for extended international use; you must reside in the U.S. and primary usage must occur on our U.S. network. Service may be terminated or restricted for excessive roaming or misuse. Communications with premium-rate (e.g., 900, entertainment, high-rate helpline) numbers not included and may incur additional charges. Advantage Program Monthly Discount: Participating locations. Limit 10 voice lines. All lines must be activated in same T-Mobile market with same billing address and area code. Discount subject to change. Not available in Puerto Rico. Discount applied to recurring charges while customer remains eligible and does not apply to overage, long distance, roaming, taxes and fees, or other charges. Eligible rate plans only; cannot be combined with Advantage Reward Card offer. Data Stash: On-network data from past 12 months carries over to next billing cycle for as long as you maintain qualifying postpaid service. Not available for use while in Canada or Mexico. Mobile Internet Service: Partial megabytes rounded up. Full speeds available up to monthly allotment, including tethering; then slowed to up to 2G speeds for rest of billing cycle. Certain uses, e.g., some speed test apps, may not count against high-speed data allotment or have speeds reduced after allotment reached. Roaming and on-network data allotments differ; see your selected service for details. Not for extended international use; you must reside in the U.S. and primary usage must occur on our U.S. network. Coverage not available September/October 2015 Recreation Welfareor restricted for misuse, abnormal use, interference with our network or ability to provide quality service to other users, or significant roaming. in some2areas. Network Management: Service may be|slowed, suspended,&terminated, See brochures and Terms and Conditions (including arbitration provision) at T-Mobile.com for additional information. T-Mobile and the magenta color are registered trademarks of Deutsche Telekom AG. © 2015 T-Mobile USA, Inc.
R&W Magazine
••••••••••••••••••••••••••••••••••••••••••••••••••••••••
Recreation & Welfare Magazine Editorial Brendan Dell brendan@rwpublishers.com Creative Services Siloquent, LLC Advertising Sales Dave Bontempo, RW Publishers dave@rwpublishers.com (301) 358-5994 Questions or Comments? Email us at stacia@rwpublishers.com Visit us on the Web at: www.fedesp.com
R&W MISSION STATEMENT The Recreation and Welfare (R&W) Association serves as an employee-services organization that provides affordable, top-quality and well-directed services and programs that are diversified, beneficial, and focused on enhancing the health and well-being of the National Institute of Health’s staff, patients, and patients’ families as well as the communities of Health and Human Services (HHS) and the National Oceanic and Atmospheric Administration (NOAA). The R&W team of dedicated and hard working employees and volunteers accomplishes this mission by providing and offering their communities a variety of retail, fitness, leisure and charitable fundraising activities.
Introducing...
The R&W Local Business Directory Check out the directory for... • Local Businesses • Local Events • Local Discounts
The R&W Directory is just getting started, so check back frequently for updates!
Recreation & Welfare | September/October 2015 3
table of
contents
••••••••••••••••••••••••••••••••••••••••••••••••••••••••
6 10 13 14 15 16 17 18 19 22 24 26 31 32 36 37
How Do You Like Them Apples? 10 Fall Festivals R&W Member Deals & Discounts Open Enrollment Health Savings Accounts New Employees: Health Coverage Self Plus One Health Coverage Which Health Plan is Right for You? Retirement Health Benefits Tea Time,Part II Fall Foliage The Art of Silk R&W Discount Tickets NIH Clubs & Organizations NIH Charities R&W Membership Resources & Shopping
Killington, VT Hay Festival
4 September/October 2015 | Recreation & Welfare
Recreation & Welfare | September/October 2015 5
How Do You Like by Brendan A. Dell
R
emember the legend of Johnny Appleseed? Popular myth portrayed him as a nature loving, carefree dude who wandered about America during its infancy, planting apple seeds at random wherever he went. Turns out Johnny Appleseed, whose real name was John Chapman, did not just whimsically cast apple seeds about while he was touring this mighty land of ours. No, he planted nurseries where he traveled, putting up fencing around them, and would have a neighbor look after the nursery. Chapman would then return every so often to tend to each nursery. As fall matures, thoughts turn to apple picking and this great American. From Daniel Lefferts, Lifestyle writer with the website bustle.com, here are some great spots to pick apples, along with my Aunt Judy’s recipe for apple cake.
• Stribling Orchard, Markham, Virginia • Brighton Woods Orchard, Burlington, Wisconsin • Sky Top Orchard, Flat Rock, North Carolina • Johnson Orchards, Yakima, Washington • Deardorff Orchards, Waconia, Minnesota • Alyson’s Orchard, Walpole, New Hampshire • Kiyokawa Family Orchards, Parkdale, Oregon • Bear Swamp Orchard, Ashfield, Massachusetts • Silverman’s Farm, Easton, Connecticut • Dr. Davies Farm, Congers, New York 6 September/October 2015 | Recreation & Welfare
Aunt Judy’s Apple Cake 2 C sugar 1 ½ C cooking oil 2 eggs 2 tsp vanilla 1 tsb soda 1 tsp salt 1 tsp cinnamon 3 c sifted flour 3 c diced apples ½ to 1 c pecans, chopped Mix sugar and cooking oil, then add eggs + vanilla & beat well. Add dry ingredients, then mix in apples & nuts. Bake an hour at 350. Top with whipped cream + cherry or leave plain.
e Them Apples? Washington, DC/Maryland/Northern VA Area Orchards (Pick-Your-Own Apples)
• Baugher’s Orchard & Farm, Westminster, MD • Butler’s Orchard, Germantown, MD • Catoctin Mountain Orchard, Thurmont, MD • Gardenhour Orchards, Smithsburg, MD • Gaver Tree Farm, Mt. Airy, MD • Hartland Orchard, Markham, VA • Homestead Farm, Poolesville, MD • Kingsbury’s Orchard, Dickerson, MD • Larriland Farm, Woodbine, MD
• Lewis Orchards and Farm Market, Dickerson, MD • Rock Hill Orchard, Mount Airy, MD • Waters Orchard, Germantown, MD • Weber’s Cider Mill Farm, Parkville, MD • Great County Farms, Bluemont, VA • Hollin Farms, Delaplane, VA • Marker-Miller Orchards, Winchester, VA • Stribling Orchard, Markham, VA
Recreation & Welfare | September/October 2015 7
8 September/October 2015 | Recreation & Welfare
Making the Most of Roth IRA and Roth TSP Opportunities by Kinney Lynch, CLU®, ChFC®
Although Roth IRAs (Individual Retirement Accounts) have been around for years, they initially were not available to many higher-income individuals due to restrictions imposed by Congress, which limited those of high net worth from contributing to these accounts. Under the Tax Increase Prevention and Reconciliation Act, Roth IRA conversions became available for everyone starting in 2010. Several years ago, Roth TSP became available to Federal employees. These changes created a significant planning opportunity for many high-income individuals including Federal employees who may fall into this category through the combination of their Federal Pension and Social Security. To take advantage of this opportunity, some individuals may now wish to consolidate their Traditional IRAs into one. Depending on the taxpayer’s Adjusted Gross Income, it also may be possible to begin making annual contributions to a Roth IRA or non-deductible contributions to a Traditional IRA. For reasons discussed in this article, such contributions can accelerate the tax benefits of assets that will later be converted from a Traditional to a Roth IRA. Roth IRA and Roth TSP Basics
Roth IRA has been in existence at least five years and withdrawals are taken after age 59½. Tax penalties apply on withdrawals of earnings prior to age 59½, unless a permitted exception applies – such as death, disability, medical expenses, first-time home purchase, or higher education expenses. For Roth TSPs, Federal Employees can contribute up to $18,000 per year, plus $6,000 in Catch-Up Contributions for those age 50 and older, regardless of income. •
Advantages of Roth Conversions •
A Roth IRA conversion can help to accumulate tax-advantaged assets during retirement, simplify tax compliance, and pass on estates on a tax-advantaged basis.
•
Roth IRA owners may make post-tax contributions at any age. (In a Traditional IRA, contributions are not allowed after age 70½.)
•
While there are no required minimum distributions (RMDs) from Roth IRAs during the owner’s
There are two main ways to participate: •
Annual contributions – Taxpayers whose Adjusted Gross Incomes (AGIs) do not exceed certain limits may make an annual contribution to a Roth IRA. Contributions are made with after-tax dollars and earnings compound on a tax-deferred basis. Withdrawals of Roth IRA contributions may be taken tax free at any time. Withdrawals of earnings are tax free, provided the
Conversions – Currently, any taxpayer (single or joint filer) may convert money from a Traditional IRA to a Roth IRA. The amount converted is added to the account holder’s taxable income in the year of the conversion and taxed as ordinary income. Since converted amounts then may qualify for tax-free withdrawals under the same terms as Roth IRA contributions, conversions are a way of pre-paying income taxes in an IRA.
Continued on page 21
Recreation & Welfare | September/October 2015 9
Ten Fall Festivals
by Brendan A. Dell
Air conditioning? Off. Mosquitos? Toast. Sweat? Only at the gym, thanks. Summer, good riddance. Hello, Autumn! Celebrate the cooler air, sweaters out of hibernation, and all things fall with a road trip. From the good people at Huff Post Travel, here are ten great festivals, made right here in the U.S.A. Warrens Cranberry Festival Warrens, WI hosts this cranberry bash every year during the last full weekend of September. Marsh tours, 1,300 booths of arts and crafts vendors and cranberries prepared every which way provide something for everybody. September 25-27, 2015
Warrens Cranberry Festival, Warrens, WI 10 September/October 2015 | Recreation & Welfare
Killington Hay Festival The picturesque Green Mountains provide the backdrop for giant hay sculptures in Killington, VT. The festival runs from Labor Day weekend through Columbus Day, and coincides with other
Wooly Worm Festival, Banner Elk, NC
notable area events, including Killington Restaurant Week and the Spartan Race. Apple Butter Celebration A day-long celebration at Skyland Resort in Shenandoah National Park, VA. The apple cooking begins early, and you can take home fresh apple spread. Bluegrass bands, cloggers, and pony rides for the kiddies. Saturday, September 19, 10 - 5. Wooly Worm Festival Banner Elk, NC is the home for this celebration of the Isabella tiger moth caterpillar. Local lore has it that this critter’s markings portend the severity or mildness of the coming winter. Contestants battle to see which caterpillar will be the official forecaster. October 17-18, 2015. National Apple Harvest Festival Apple-bobbing and pie eating contests,
a tractor square-dance, six stages for live music, 300 arts and crafts booths make this visit to Arendtsville, Pennsylvania a blast. Runs October 3-4, 15-16, 2015. Oktoberfest Zinzinnati Achtung, baby! America’s biggest Oktoberfest celebration takes place in Cincinnati, OH, September 18-20, 2015. Schnitzel, strudel, lederhosen, pretzels, and The Running of The Wieners, what’s not to like? Elk Fest In Estes Park, CO, late September/early October sees large numbers of elk descending from the high places to, ummm, you know, propagate the species. Elk viewing bus tours, mating call contests, and Native American storytelling are all featured. October 3 - 4, 2015. Recreation & Welfare | September/October 2015 11
Trailing of the Sheep Festival, Ketchum, ID
well as music, dancing, great food, and a folklife festival. October 7 11, 2015 Harvest Festival The agricultural village of El Rancho de las Golondrinas in Santa Fe, NM hosts this celebration. A grape crush, traditional music, folkloric dancing, candle making, and sheep shearing are among the attractions. A genuine experience of life during the eighteenth century make this fiesta a winner. October 3 - 4, 2015 Sonoma County Harvest Fair, Santa Rosa, CA
Trailing of the Sheep Festival This festival in Ketchum & Hailey, ID celebrates the return of sheep from the mountains to the pastures of Sun Valley. Visitors are treated to a parade of 1,500 sheep down Main Street in Ketchum, as 12 September/October 2015 | Recreation & Welfare
Sonoma County Harvest Fair The World Championship Grape Stomp, cooking competitions, chef demos, and art sales are just some of the highlights for this Wine Country extravaganza in Santa Rosa, CA. October 2 - 4, 2015
R&W Member Deals & Discounts Fall is a great time to travel. Whether you are spending a weekend in Manhattan, taking the kids to Orlando, or heading out to Las Vegas, you can find amazing savings through the Member Deals & Discounts available to R&W Members.
browse alphabetically. Once you find what you are looking for, just click and book. It’s so easy!
Let’s say you are heading to Manhattan and you need a room. Just click the Member Deals icon on the website, and presto! There are hundreds of hotel options in New York, all at your fingertips.
Member deals are also available on great California getaways, like San Diego, Anaheim Disney© Hotels and San Francisco. R&W members also get discounts on the major attractions in those cities. Get deals and discounts on passes to Disneyland®, Universal Studios® Hollywood, and Sea World® San Diego.
The website lets you refine your search, so you can select by price range, rating, or just
So if you are packing a bag this fall, take a look at what R&W membership can save you!
Recreation & Welfare | September/October 2015 13
Open Enrollment: What You Need To Know If you are a new employee in the federal workforce, or an existing employee interested in changing your health care benefits, the time is approaching to enroll or make changes to existing plans. Open Season for participants in the Federal Employee Health Benefit (FEHB) program runs from November 9, 2015 through December 14, 2015. During open season, “anyone eligible to participate in the FEHB may enroll, change health plans or options, cancel FEHB enrollment, and change participation in premium conversion,� according to the Office of Personnel Management website. For more information, visit the website at www.opm.gov/healthcare-insurance/ healthcare/enrollment/. To enroll, submit Standard Form 2809, Employee Health Benefits Election Form. Health & Human Services employees can also enroll using MyPay. Out of open season, there are provisions for election of coverage or changes to existing coverage, for specific types of employees or specific events. For example, newly eligible members may enroll within 60 days of becoming eligible, members who move to an area outside of their coverage plan may enroll in a different plan that covers their area, and OPM may announce special open seasons affecting specific plans. 14 September/October 2015 | Recreation & Welfare
There are also a number of specific events which allow for enrollment in a new plan or changes to existing coverage outside of Open Season. Only in connection with one or more of these events, termed Qualifying Life Events (QLEs) are changes to enrollment allowed, and as a general rule, a change to enrollment must be made within 60 days of the event. Categories of specific QLEs are changes family status, changes in employment status, or the loss of FEHB coverage. Family status changes include marriage, divorce, the birth or adoption of a child, the death of a spouse or dependent, acquisition of foster children, and legal separation. Employment changes include a change from part-time to full-time employment, reemployment after a break in service of more than three days, restoration to civilian status after military service, as well as others. For a complete list of QLEs, see the OPM website: www.opm.gov/healthcare-insurance/healthcare/ plan-information/changes-you-can-make-outside-of-open-season/
Sign up and Thrive! Get a complimentary salad bowl when you sign up for our monthly “Healthy Lifestyles” newsletter.
Find out why we’re the health plan that The New York Times calls “the future of healthcare.”
Ready to sign up?
At Kaiser Permanente, we want you to be your healthiest. So, when the next Open Season or qualifying event arrives, we hope you’ll choose us as your health partner. Here’s what we can give you: Accessible health care Many of our medical centers offer several services under one roof — including doctors’ offices, pharmacy, and lab — which helps you save time and energy.
Online convenience You can easily make routine appointments, refill most prescriptions, and access your health record* — anytime, anywhere. * When you receive care at Kaiser Permanente
High-quality care Our network of doctors and specialists work together as a team — and stay connected by one of the most advanced electronic health record systems around.
CLICK HERE
Restrictions apply; see details for more information.
Healthcare: Health Savings Accounts
Looking for health care options that provide greater flexibility and discretion over the use of your benefits? High Deductible Health Plans (HDHP) with Health Savings Accounts (HSA), as well as Health Reimbursement Arrangements (HBA), are worth looking into.
Under these types of plans, enrollment provides both medical coverage with a medical savings account that provides a tax benefit as well. The HDHP comes with higher deductibles. Preventive care under the HDHP is covered. Once you enroll in a HDHP, eligibility for either the HSA or HRA is determined. Under
the HRA, you are credited a predetermined amount at the beginning of each year. The plan provides for crediting your account a portion of the health care premium at the beginning of each month. Additional contributions to the plan are allowed up the IRS limit.
Deductibles can be paid out of either the HSA or HRA. You can also pay HSA deductibles out-of-pocket, and HSAs are kept even if you change plans. If you would like more information about these options, visit the website at www.opm. gov/healthcare-insurance/healthcare/health-savings-accounts/ Recreation & Welfare | September/October 2015 15
New Employees: What You Need to Know If you are a new or prospective federal employee, you may have some questions about your health benefits. Here are some answers to questions that may arise in relation to these important benefits, with more information through ‘Guide Me/New Prospective Employees.�
Eligibility Federal employees, unless prohibited by rule or regulation, are eligible for Federal Employee Health Benefit (FEHB) Program coverage. A new employee has sixty (60) days from their start date to enroll. Enrollment is also available during Open Season, or subsequent to a Qualifying Life Event (QLE). Family Members Coverage for family members includes your 1) spouse and 2) children under the age of 26. Foster children are eligible for coverage, with specific requirements. Children suffering mental or physical disabilities over the age of 26, who are incapable of self-support, are also eligible for coverage, provided the disability existed prior to age 26. Coverage Continuation New employees can continue coverage under existing plans after joining the federal workforce. Should you lose coverage under your old plan and wish to enroll in FEHB coverage, contact your Human Resources Office. If you are leaving the federal workforce, 16 September/October 2015 | Recreation & Welfare
Temporary Continuation of Coverage (TCC) of FEHB coverage is available for some individuals. If you are planning on retiring soon, your coverage will continue provided the requirements are all met.
How To Find A Plan The Office of Personnel Management (OPM) has a number of resources to help new employees compare plans. • The Plan Comparison Tool allows for an interactive experience in comparing plans, with results on the form of accreditation reviews and surveys from members. • Plan Info By State breaks it down for you geographically. • Guide to Federal Benefits How To Enroll To enroll, use Health Benefits Election form (SF 2809). Additional methods of enrollment are agency self-service systems, such as MyPay, Employee Express, Employee Personal Page, or Employee Benefits Information System (EBIS). Check with your individual HRO for details concerning self-service options.
New! Self Plus One Plan
A brand new enrollment type is available for federal employees, Self Plus One. Established under the Bipartisan Budget Act of 2013, enrollment in Self Plus One is available during the next Open Season, which runs from November 9, 2015 to December 14, 2015. Coverage would begin in January, 2016. How does Self Plus One Work? This new plan in the Federal Employees Health Benefit (FEHB) Program allows coverage for the federal employee as well as additional eligible family member designated by the insured. In 2016, all FEHB health insurance plans will offer Self, Self Plus One, and Self Plus Family enrollment types. Who is covered under Self Plus One? In additional to the insured, a “designated family member” is also eligible for coverage. Eligible family members are 1) a spouse or 2) a child under the age of 26. The exception would be a child, due to a disability that existed prior to the age of 26, incapable of self-support. Is Self Plus One right for me? The best thing to do is to compare. Determine eligible family members, then compare the rates of new plan types with your existing plan. The OPM has materials available for comparing plans. Recreation & Welfare | September/October 2015 17
The Great Healthcare Question:
Which Plan Is Right For You? In life, we all want what is best for our families. And when it comes to your family’s health, you want to make sure that they will be wellcared for, no matter what. While it’s nice to have choices, sometimes making those choices can be challenging when it comes to health care coverage. As Open Season for healthcare enrollment approaches, now is the perfect time to familiarize yourself with the options available to you. The first step is to understand the basic differences in coverage between plan types, then determine which plan is the most beneficial, given your individual circumstances. The plan types available for those seeking to either enroll in Federal Employee Health Benefits (FEHB), or make changes to an existing plan are 1) Consumer-driven and High-Deductible plans, 2) Fee For Service plans, along with their Preferred Provider Organizations, and 3) Health Maintenance Organizations. 1. Consumer-driven and High-Deductible plans - These plans offer an alternative to the traditional model, which require payment of a pre-determined amount in the form of premiums. Under the Consumer Driven model, the insured pays for routine medical care. The care is financed through tax-free medical savings accounts. Should the balance run out in such an 18 September/October 2015 | Recreation & Welfare
account, a High-Deductible medical plan safeguards the insured from catastrophic medical expenses. Likewise, any unused balance then carries through to the next year, allowing the insured to build a medical savings account. 2. Fee For Service Plans and their Preferred Provider Organizations (PPO) - Fee For Service Plans are traditional insurance plans whereby the insured’s medical provider is either paid directly or the insured is reimbursed from the plan after filing a claim. Under a PPO regime, the insured is given a reduced rate for service in exchange for receiving care within the prescribed network of providers. With a PPO, care must be taken with regard to where the insured receives treatment to assure such care is covered under the plan. 3. Health Maintenance Organizations (HMO) Under this plan, the insured receives care via a network of provider physicians, hospitals, and other services. Enrollment eligibility for HMO plans is determined by location. The answer to the question “Which plan is right for me?” is an individual one; it will require some research. For more detailed information on the various plan types, and for help in determining which plan will work best for you and your loved ones, please visit the OPM website.
Your Health Benefits, Your Retirement, & You
by Brendan A. Dell
If you are approaching retirement, here are some things you should know about your health benefits. To be eligible for retention of your health benefits, you must meet the following requirements: • Be entitled to retire on an immediate annuity under a retirement system for civilian employees (including FERS MRA + 10 retirements) • Been either continuously employed or covered as a family member in any of the FEHB plans for five years of service immediately before the date the annuity starts or for the full period of service since your first opportunity to enroll (if less than five years).
MRA + 10 Separating employees covered under FERS who are eligible for an immediate annuity under the Minimum Retirement Age (MRA) + 10 provision, you can continue your coverage when your annuity starts, provided that the requirements for continuing coverage are met. Postponement of receipt of your annuity results in termination of enrollment on the date of separation. You may be able to receive temporary continuation of coverage, or convert to an individual contract. You may elect to resume FEHB coverage on the date the annuity begins. If you would like more information on your retirement and your health benefits, visit the OPM website.
Recreation & Welfare | September/October 2015 19
Visit the Online NIH Logo Store! Ordering is Easy!
1. Choose your product (t-shirts, polo shirts, hats, USB drives, stationary items and much more) 2. Choose your logo (from a library of more than 40 logos) 3. And have it shipped right to your door!
We are pleased to offer embroidered logos on the Polo shirts, hats and hoodies. A ladies’ cut is offered for the t-shirts and polo shirts. Many of the items can be specially personalized (Pens, USB drives, totes and more)! If your logo is missing or you’d like to see us add a specific product, please contact NIHsupport@fedlogostore.com. If you’d like to order more then ten of a specific item, please contact us for special pricing!
Order your items today on FedESP.com! 20 September/October 2015 | Recreation & Welfare
Making the Most of Roth IRA and Roth TSP Opportunities, Cont. from page 9 lifetime, a Roth IRA conversion also avoids the annual calculation of the annual RMD that is required in most Traditional IRAs after age 70½.
By comparison, suppose that you put 70 cents of post-tax money ($1 less 30 cents tax) into a Roth IRA and it compounds over 10 years at the same 4% to produce $1.11. Since the full amount can be withdrawn tax free, the amount available for retirement security is exactly the same as in the Traditional IRA.
•
Since no income tax is due on qualifying distributions from a Roth IRA during the owner’s life or after death, a Roth can make life easier for heirs by leaving them tax-free assets. Although heirs are a subject to annual RMDs from Roths after the original owner’s death, they have some flexibility to “stretch” these distributions over several years, thus enabling the tax-deferred growth to continue for some time.
While it is impossible to know whether federal, state and local income tax rates will go up or down in the future, many financial professionals feel that taxes have nowhere to go but up. Despite this, since no one can predict the future with any level of certainty, one strategy advisers sometimes recommend is to hedge against unknown future tax rate levels by dividing retirement money between Traditional and Roth IRAs.
•
For Federal employees who contribute to the Roth TSP, the Federal matching contribution goes into the traditional TSP which may give you more disbursement options at retirement.
Even for those who aren’t sure about the wisdom of Roth conversions, it can be useful to contribute or convert a small amount to a Roth before retirement. People over age 59½ are allowed to take tax-free withdrawals from Roth IRAs starting five years after the account was opened. Even a small amount put into a Roth now starts that “five-year clock” ticking.
Tax Rates Can Make a Difference One of the more challenging questions to consider is this one: “Do you think that, on the whole, tax rates will increase or decrease during your retirement?” Because Roth contributions and conversions effectively pre-pay income taxes, they may make sense for individuals who believe tax rates will increase during their retirement. Some people think it is a mistake to pre-pay taxes because they will lose the “time value of money” on the taxes paid. However, this is not the case, due to the following rule: A pre-tax dollar in a tax-deferred investment will have exactly the same after-tax future value as a post-tax dollar in a tax-free investment, if you assume that tax rates stay constant. For example, suppose you put $1 of pre-tax money into a Traditional IRA and over 10 years it compounds (at a 4% annual return) into $1.58. You then pay federal/state income tax at a hypothetical 30% rate, leaving $1.11, after taking a taxable withdrawal.
Summary Roth IRAs have become a viable planning tool that can help to increase tax-advantaged asset accumulation and allow individuals to enjoy a certain level of tax-free income during retirement. Because changes in the tax law have made Roth conversions universally available, that makes this a good time to begin evaluating their pros and cons. Be sure to consult a financial professional for assistance with your personal situation. Prepared by The Guardian Life Insurance Company of America. The information contained in this article is for general, informational purposes only. Guardian, its subsidiaries, agents or employees do not give tax or legal advice. You should consult your tax or legal advisor regarding your individual situation.
Recreation & Welfare | September/October 2015 21
Tea Time Part II
22 September/October 2015 | Recreation & Welfare
by Brendan A. Dell
“One day I decided to try to have a complete day without tea. I was quite shaken. I was quite disturbed.” — Morrissey What do George Orwell, Ozzy Osbourne
and Helen Mirren have in common? Tea lovers, all. Tea drinkers come in all shapes and sizes from all over the globe, as the drink
is universal. While tea itself may be ubiqui-
tous, the method of preparation varies from country to country. Here are two unusual methods of making tea, along with a few recipes.
Preparation Let’s look at two types of Indian tea,
Cardamon basil tea and fennel tea. These Indian teas are quite different than what
most tea drinkers are accustomed to and are considered healthy. Note the increased use of milk in preparation. Thanks to WikiHow for these recipes.
Indian Cardamon Basil Tea
One cup (250 ml) requires the following
ingredients: a) milk (200 ml) b) water (20 ml) c) Indian tea (leaves are preferred) d) Cardamon e) sugar to taste f) basil leaves g) ginger flakes
Step one: In a pan, add water, tea leaves, and sugar
Step two: Turn burner to low
Step three: Heat until the tea is reddish brown in color
Step four: Crush the ginger and basil together and add to the mixture
Step five: Add milk and crushed cardamom Step six: Crank up the burner
Step seven: Turn off burner when the milk rises to the top of the pan
Step eight: Filter and serve hot Fennel Indian Tea
This recipe yields three servings. a) Three
bags regular tea b) One teaspoon sugar c)
Two teaspoons of fennel seeds d) 1.5 cups of water e) 1.5 cups of milk
Step one: Pour water into saucepan
Step two: Add tea bags, fennel and sugar Step three: Simmer over medium heat
Step four: Add milk and cook for about five minutes
Step five: Remove from heat Step six: Strain and serve
To see tea street vendors in action, check out these videos: Pouring Indian Tea and Thai Tea Show
Recreation & Welfare | September/October 2015 23
Kaleidoscope of Colors: Fall Foliage
by Brendan A. Dell
24 September/October 2015 | Recreation & Welfare
“Autumn is a second spring, with every leaf a flower.” - Albert Camus Fall brings with it a spectacular display of color as the leaves turn. Hitting the road to take in the fall foliage is an annual event for some, a chance to take in the vibrant hues along roads less traveled. New England boasts some of the best leaf peeping. Throughout the region, there are countless places to go, from Maine to Massachusetts, New Hampshire, Rhode Island, Vermont, and Connecticut. Manchester, Vermont and Acadia National Park, Maine are recommended. Moving south, New York’s Catskills and Adirondack Mountains are prime locations for great viewing. Or just take a walk in Central Park to soak it the colorful display. Further south, Pennsylvania, Maryland, West Virginia and Virginia, particularly in the more mountainous western regions of each state, also
provide spectacular vistas of vibrant red, orange, and yellow leaves. Coopers Rock State Forest, West Virginia, stands out. In the midwest, some great fall colors to be sampled throughout the region, particularly along the Great Lakes. Door County, Wisconsin is a hot spot, peaking in mid-October. Out west, you can head to Aspen, Colorado. Here, in the city that was once home to Hunter S. Thompson, the city’s namesake tree turns a beautiful golden color in late September. Or Willamette Valley, Oregon, with mid-October being peak time. Oregon is famed for its natural beauty, and it is on full display during this special time of the year. Heading on down to California, Big Bear Lake does not disappoint with it’s annual foliage peaking in late October. If you are going to travel to see the fall foliage, bring your GPS or an atlas. Some of the best areas to see nature in the fullness of her glory lie off the beaten track. Recreation & Welfare | September/October 2015 25
The Art of Silk & The Colors of Healing by Brendan A. Dell
J
aney Harrington is an artist who says,
“My work is really different because it is artwork you take with you wherever you go.” She has been interested in art throughout her life, but it wasn’t until she began to use silk that she found her true passion. She majored in business at Virginia Tech, went into marketing after graduating, and
26 September/October 2015 | Recreation & Welfare
loved it. Over the course of time and after some life changes, she found herself looking for new challenges. Janey had always enjoined painting, and she bought a book on silk painting. Silk proved to be the challenge she was looking for. “The silk isn’t always nice,” she says. She took a class at Maryland Hall in Annapolis, where she makes her home, to hone
her skills. At Maryland Hall, she became a
Janey is “channeling the energies of peo-
student of Nadia Azumi. Under Azumi’s
ple,” which then find expression in her art.
tutelage, her work flourished.
Her friends, each with their own different
Each work begins as a simple piece of white silk, and ends as a unique artistic creation. “Every time the dye touches the silk, it’s something new,” she says. Her pieces are completely different than anything that
backgrounds, strengths, and vocations, are part of the art. For instance, a friend who is a dancer inspires Janey’s dancing series.
could be made by a machine, as they are
She also lets nature
truly works of art that take time, dedication,
in on the act of cre-
and love to create. The aspect of her work
ating some pieces.
that gives her the most satisfaction is the
During the summer,
feeling of joy that each piece gives to the
when the humidity
wearer.
reaches levels that
The inspiration for her work comes from her close friends. Through these relationships,
sends many Annapolitans inside for the comfort of air condi-
Ordering NIH business cards is now Faster, Cheaper and Easier! Our new online printing service provides full-color business cards using NIH standards (40+ NIH logos are available). 1. 2. 3. 4.
Choose your quantity (1 box-250 cards) Choose your logo (from a library of more than 40 NIH logos) Complete the brief order form And have it shipped right to your door!
Add a Desk Business Card Holder for Only $7!
NOAA Cards
HHS Cards
NIH Cards Visit FedESP.com and selectRecreation Business Cards |under the ‘Shop’ 2015 button! & Welfare September/October 27
tioning, Janey will leave some silks outside and “let nature move the dye.� There is another aspect to her work that transcends art or fashion: healing. The theory lies in an alternative medicine called chromatherapy, which ties color to changes in our biological, mental, and emotional processes. Her ultimate goal is to start a foundation, wherein those in distress can receive the benefits of chromatherapy via her art. The foundation Janey intends to create will be the Beth Anne Turner Foundation, named after a recipient of one of her comfort shawls. To learn more, you can visit her website at www.silkcreationsbyjaney.com.
28 September/October 2015 | Recreation & Welfare
We offer a special discount on car insurance for R&W members. Tell us you are a member and see how much more you can save. At GEICO, we know the only way to build stronger communities for tomorrow is to invest our time and energy today. We call it our insurance plan for the future, and it’s a policy we’re proud of.
For an auto rate quote 24 hours a day, visit geico.com/fed/r&w or call 1-800-368-2734.
Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York a premium reduction may be available. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. GEICO Gecko image © 1999-2015. © 2015 GEICO
Recreation & Welfare | September/October 2015 29
Are You a Federal Employee or Contractor? If so, you need to be a member of the R&W Association, the only organization dedicated to the recreation and welfare of Federal Employees and Contractors! You can join for FREE or become a Preferred Member for just $9/year! Sign up today! Visit FedESP.com R&W Membership Benefits
Membership Type Free Preferred
Access to Member ‘Deals’ Site (Major Merchant discounts, etc.)
•
• • • • • • • •
Receive Weekly Email with Events/Programs/Special Offers/Coupons for R&W Stores
•
•
Place ads on the R&W NIH Online Classifieds
Seminars & Programs to Employee Welfare
• • • • • • • •
• • • • • • • •
Discounts to R&W’s Special Events (Camp Fantastic BBQ, Ringling Brothers Circus, and more!)
•
•
Access to Onsite Fitness Center Programs and Classics R&W Onsite Store Discounts Discount Tickets (theatre, movies, sports, etc.) Discounted Dry Cleaning Discounted Movie Rentals Participation in NIH Clubs & Organizations Discounted BJ’s Wholesale Club Membership
Discounted Entertainment Coupon Book R&W’s Onsite Beauty & Barber Shop R&W Onsite Discounted Tax Preparation Services (February & March) Access to NIH Federal Credit Union Support NIH Charities R&W’s Discounted Onsite Notary Service
30 September/October 2015 | Recreation & Welfare
Discount Tickets Through R&W Member Deals ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••
Member Deals Highlights Free R&W Members and Preferred R&W Members have access to the R&W Member Deals Site!
HOTELS
Save up to 60% off Hotel Bookings all over the country!
The R&W Member Deals site includes discounts for Disney World, Cirque du Soleil, nationwide movie theaters, Broadway tickets, hotels, and much more! A login is required.
Get discount Movie Tickets for more than 15 major theater chains (AMC, Bowtie, Regal, etc.) Save up to 40% on tickets! Get major discounts on tickets for more than 35 Broadway Shows! Radio City Christmas Spectacular, Aladdin, The Lion King, Chicago, Wicked and More! Save up to 45%!
There are deals in more than 20 major cities as well as some top international vacation spots! Join R&W Today!
Save up to 35% on Cirque Du Soleil shows in 6 major cities!
WATER PARKS
Save up to 50% at water parks in more than 20 states with R&W’s Member Deals discounts! RENTAL CARS
Save up to 25% on Car Rentals nationwide! Budget, Avis, Hertz, Thrifty and Dollar
Recreation & Welfare | September/October 2015 31
R&W Clubs ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••
Akido Club Meets Wednesdays from 7:00-8:35pm & Saturdays 10:30am-1:30pm in the Malone Center, BLDG. 31/C, B4, C18. Traditional Aikido techniques are taught combined with other defenses necessary to provide a balanced capacity in self defense. Fridays from 6:30-8:30pm and a joint session with the Taekwondo Club in Bldg. 31c, B4, C18. Badminton Club Meets Tuesday 7:30-10pm Enjoy the game of Badminton and learn new techniques. Ballroom Dance Club We are starting the new Cuban Rumba classes with Chip Atwood (http://www.chipatwood.com). The 6 week session starts on July every Tuesday. In the Loft - T-39, on Bethesda campus. Classes are on Tuesdays, in the lunch time from 1:15pm-2:15pm. No partner needed!!! The 6 weeks session fee is $60, drop-in fee is $15. Point of contact Olga Vovk – olga.vovk@nih.gov. If it’s too hot or rains we will come into the Building 10 south lobby. Bethesda Little Theatre Website Meets at a BLT member’s home every month on the first Tuesday at 7 pm. Outlet for employees creativity and talents! One major production every year ( 2hours) with road show performances ( 1hour) at retirement facilities and nursing homes the rest of the year. Proceeds benefit the Patient Emergency Fund and the NIH charities. Contact Membership Director, Elaine Hughes, BethesdaLittleTheatre@gmail.com. Phone: (301)589-0720. Bicycle Commuter Club Website The club exists to assist and encourage NIH employees in commuting by bicycle and to serve as a link with the NIH administration to ensure that there are adequate facilities for the bicycle commuter. Camera Club Website For over 50 years, the NIH Camera Club has been 32 September/October 2015 | Recreation & Welfare
the place for people who are interested in photography. Through speakers, field trips and workshops, you can learn new techniques to improve your photography. Through monthly photo competitions, you can receive expert feedback on your photographs from experienced professional photographers. Through our award winning monthly newsletter, Cameraderie, you can find information on our club activities as well as other area events, classes and workshops where you can learn even more. Our regular monthly meetings are the second Tuesday of every month from September – June and we meet off campus at the Five Star Premier Residence, 8100 Connecticut Avenue, Chevy Chase, Md. 20815. Chamber Singers Small acapella chorus performs 2-3 times a year. Please contact audition coordinator Jill Koshiol (KoshiolJ at mail.nih.gov) for more information. Chinese Martial Arts Club Website Kung Fu is perhaps the oldest of systematic martial arts. Originating from Shaolin Temple, its goal is to bring harmony to mind and body. The training includes physical fitness, internal and external exercises, empty hand and traditional weapon forms. Conscious Dancer Club Do you long to be peaceful, free and passionate? Since the beginning of time our ancestors danced together to celebrate life, strengthen community bonds, heal illnesses and co-create the future. Conscious Dance is a free style movement meditation that revives this tradition. On a journey of inner rhythms, expressive movements and spontaneity it reconnects you to the wisdom of your body and your innate state of joyous wellbeing. No dance experience is necessary. You are a beautiful dancer! Conscious Dancer Club meets October to April on Thursdays at 5:00pm, alternating locations between Rockledge Fitness Center and Building 10. For updates subscribe to ConsciousDancer@list.nih.gov via https://list.nih.gov/. Golf Association Meets bi-monthly April to Sept. & monthly Oct. to
March. The league has stroke play and match play competition with prizes and trophies and sponsors a year-end banquet. 9-Hole Golf League Website Meets Tuesdays at Needwood Golf Course and Thursdays at Falls Road Golf Course. Competitive (match Play) and non-competitive play after work. Fall Outing and Awards Banquet at end of season. Health’s Angels Running Club Website The mission of the NIH Health’s Angels Running Club is to encourage, inform, support, and train the NIH community about running, jogging, and walking as a means to stay healthy and fit. Hiking Club Website Meets monthly for hikes. Hiking and backpacking in the Maryland/Pennsylvania/ Virginia/ West Virginia area. International Women’s Group Website The International Women’s Group: a community of friends, a venue for cultural exchange, a group that provides women with moral and practical support, a community that always welcomes you. Our main purpose is to be a network of friends and facilitate newcomers’ integration in their new community in the Bethesda-Rockville area. More than providing services or activities, we do things together. IWG will be perfect for you if you are a woman with an international spirit, would like to meet friends from all over the world and get a chance to expose your family to foreign cultures. Regular weekly/monthly activities for kids (Art & Craft, singing group, playgroups, meetings at the playground, for ladies (Morning Coffee, book club, English conversation, computer classes) and for families (spring children’s festival, summer splash party, Halloween, Thanksgiving and holiday parties & Various services: Google Group, monthly bulletin, welcome package, newcomer contacts, maternity clothes on loan, various fund raising, etc. Judo Club Tuesdays & Thursdays, 6:30-8pm & Saturday, 8:30-10am. Kodokan judo accommodates all levels of skill and emphasizes physical conditioning and
mental discipline. Kenjutsu Club Training is offered in the classical Japanese warrior martial arts traditions of Shindo Muso Ryu Jodo, Yagyu Shinkage Ryu Heiho and Jiki Shinkage Ryu Kenjutsu/Heiho. These ancient schools train primarily with the staff and sword. (Practice equipment is either wood or bamboo). Madrigal Singers Sing & perform Renaissance period music. Musicians Club The NIH Musicians Club maintains a list of amateur musicians who are interested in playing music with like-minded colleagues. This includes all genres, such as classical, jazz, rock, folk, blues, funk, etc. Members may also organize performances on or off the NIH campus, as well as trips to musical events. This is a new club, so we are anxious to increase our membership. Contact: Rob Tycko, robertty@mail.nih.gov. NIH Asian and Pacific Islander American Organization Asian and Pacific Islander American Organization, also known as Asian and Pacific Islander American Organization (APAO) is an independent organization sanctioned by the NIH Director’s office. It was formed in October 1996 to represent the Asian and Pacific Islander American (APA) employees of NIH. NIH Co-Rec Softball League Provides NIH Employees, contractors, family members, and friends with an opportunity to enjoy playing softball in a recreational atmosphere. Openings next season for individual players or teams. All skill levels are welcome. League season extends from mid-April to early August and teams play once a week (Monday through Wednesday). All games begin at 6:15 and are played at several fields in the Bethesda/Rockville area. Contact Rob Willcoxon, robwillcoxon@me.com.
NIH Community Orchestra Website The NIH Community Orchestra began meeting in October 1996 to provide an orchestral outlet for the rich and diverse musical talent of the NIH and HHS research community. In the following year, it added woodwinds and brasses and quickly expanded its size and repertoire. The NIHCO roster often includes employees of numerous other government Recreation & Welfare | September/October 2015 33
`
`
R&W Clubs ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••
agencies (including NASA, LOC, DOJ), local high school students and educators, and members of the general community. NIH Democracy II Toastmaster Club Website We meet at 6707 Democracy Blvd, Conference Room 849 (NIMHD conference room), Bethesda, MD 20817 on the first Tuesday of the month from noon-1pm and on the third Tuesday of the month from 5:30-6:30pm. During the meetings, a series of prepared speeches are presented and evaluated, while impromptu speeches give everyone the opportunity to build their confidence. We strive to provide an encouraging, friendly and supportive environment in which members can comfortably and confidently attain their communication and leadership goals. Contact: Derrick Tabor at 301594-8950 or email us at contact-1200808@toastmastersclubs.org. NIH Evening Speakers Website The NIH Evening Speakers club, which is a Toastmasters club that meets the 2nd and 4th Tuesdays, in Building 10 Room 3-1608, 19:30-21:00. During the meetings, a series of prepared speeches are presented and evaluated, while impromptu speeches give everyone the opportunity to build their confidence. We strive to provide an encouraging, friendly and supportive environment in which members can comfortably and confidently attain their communication and leadership goals. Contact: Vice President of Membership, vpm-3691@toastmastersclubs.org The NIH Philharmonia Orchestra Website NIH Philharmonia is an all volunteer orchestra founded at the National Institutes of Health in January 2005 under the professional musical direction of Dr. Nancia D’Alimonte. The orchestra was established by a core group of NIH scientists and federal workers with the goal to play orchestral music from all genres in free concerts open to the public. The orchestra is always looking for players who are committed to sharing a passion for music with the community. For information on how to join, please 34 September/October 2015 | Recreation & Welfare
email info@nihphil.org or go to the website: www. nihphil.org. The NIH Recreational Volleyball Club Join our easy going and fun group of players of all ages and skills that holds outdoor games on the NIH campus on Wednesdays and/or Thursdays at 5:30 pm during the warm season. Join us to get in shape, delight in beautiful sunsets, and enjoy camaraderie! Subscribe to volleyball@list.nih.gov via https://list.nih.gov/. NIH Sailing Association Website The NIH Sailing Association is a sailing club for NIH and NOAA employees. Our club has been in Montgomery County, Maryland since 1968 and owns five Flying Scot boats in Selby Bay (just south of Annapolis, Maryland) that members can charter. We also offer training, racing and social activities for our members. Come join the fun! Contact: Andrea Balbo at andrea.balbo@nih.gov. NIH Soccer Club Our mission is to bring together NIH employees who share an interest in playing soccer. We have both weekend and week night teams in various leagues in DC, Silver Spring, and Germantown, and we sometimes practice in Rockville. We also occasionally attend DC United games. To get involved, please contact Vance Berger at vance917@gmail. com. NIH Taekwondo Club Website Our club lineage comes from both Kukkiwon and Chung Do Kwon Tae Kwon Do. We are looking for adult and mature teenage members of all ranks, and abilities. No previous experience is necessary! A typical class may include cardiovascular warm up and stretching, basic techniques, kicking drills, forms (Taeguk and Palgwe), self defense, and sparring. Please contact Glenn Daigon, gdaigon@hotmail. com Schedule (Bldg 31, level B4, basement level, of C-wing, Thomas E. Malone Judo and Taekwondo Fitness Ctr):
`
Monday: 6-8pm Wednesday: 6-7pm Friday: 6-8pm
The Best Deals on Tickets!
NIH Weight Lifting Club Website The NIH Weight Lifting Club’s mission is to promote the sports of Olympic Weightlifting, Power-Lifting and strength training through the use of free-weight based training. We offer a supportive environment for novice and seasoned lifters to learn and share knowledge about the core lifts including, but not limited to, the Squat, Dead-lift, Snatch, Clean & Jerk and Press. Qi-Gong Club Meets Wednesday 8-9pm in Malone Center, Bldg/ T-39/Cwing-B4 level. The NIH Qi-Gong Club has been providing classes at NIH since 1994. Classes are held on a continuing basis on Wednesday evenings from 8:00-9:00 pm in Building T-39. The initial class is free, and visitors are welcome to watch and/or participate. Classes are taught by QiGong Master Shuren Ma, the chief instructor for Capital Qi-Gong. For additional information visit our Website at capitalqigong.com or call Mr. Ma at 202-409-8490 or Sandy Adler at 301-460-3040. Salutaris: The NIH Lesbian, Gay, Bisexual, Transgender, Intersex and Two Spirit Staff Forum Website Salutaris is an organization of Lesbian, Gay, Bisexual, Transgender, Intersex, Two-Sprit (LGBTI2S) and Allied NIH Staff members whose mission is to foster an atmosphere at NIH that is open and inclusive of all employees! Salutaris holds regular “Meet and Eat” lunchtime meetings on the 2nd Thursday of the month at Noon in the Building 10 Cafeteria; and an after work social/mixer on the 3rd Thursday of the month. Please join us! Young at Heart Tap Dancers Adult volunteer tap dance performance group. We perform Broadway and rhythm tap dance shows for senior facilities and other community venues. We rehearse two hours twice a week at Joy of Motion Bethesda and Knock on Wood Takoma Park. Always looking for new members and venues to perform for, so if interested in joining or booking please contact us. Contact: Sara Robinson, sara. tapdancer@verizon.net, (301) 229-8776. Recreation & Welfare | September/October 2015 35
NIH Charities ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••
MAKE A DREAM POSSIBLE BY DONATING TO THESE NIH CHARITIES Combined Federal Campaign (CFC) NIH is one of the leading CFC contributors in the area but we still need your help. We can’t meet our goal without you. Any amount you can give helps those in need! Federal employees are encouraged to designate their contributions directly to as many as five charitable CFC organizations. Support the NIH Charities! The Children’s Inn at NIH The Inn is a private, nonprofit residence for families and their children who are participating in pediatric research at the National Institutes of Health’s Clinical Center. The Inn enhances the opportunities for groundbreaking medical discoveries by providing a free “place like home” that reduces the burdens of illness through a supportive environment including therapeutic, educational, and recreational programming. If you would like someone from The Inn to speak to your employees, contact Lauren Stabert at lauren.stabert@nih.gov. Special Love/Camp Fantastic Special Love provides recreational programs, financial assistance, and a community of support to children with cancer and their families in the Mid-Atlantic regions. Through programs like the week-long Camp Fantastic and BRASS Camp, young patients, siblings, and parents discover they’re not alone in their battle against cancer.
36 September/October 2015 | Recreation & Welfare
Friends of Patients at the NIH Patients of the Clinical Center and their families have enough on their minds. Friends of Patients at the NIH helps NIH patients and their families by providing emergency financial assistance while they are receiving vital treatment during research protocols. They provide money for housing payments, utility bills, transportation etc. The Foundation for the NIH The Foundation for the NIH (FNIH) raises funds for a broad portfolio of programs that enhance NIH priorities and activities. The many partnerships FNIH forms and fosters- among the federal government, corporations, foundations, nonprofit organizations and individuals- support biomedical research, education and training. Donors to FNIH advance scientific discovery, support our next generation scientist and improve human health. Programs the FNIH supports include the Edmond J. Safra Family Lodge and the NIH Medical Research Scholars Program, and others in areas ranging from cancer research, heart disease, diabetes, Alzheimer’s Disease, arthritis, sports and health research and other identified priorities. Visit www.fnih.org. We have a goal to collect over $2.2 million for this year’s campaign. If you haven’t made your contribution yet, this is a great opportunity to learn how you can make a difference.
R&W Membership Resources & Shopping •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• Discount Auto Insurance R&W and Nationwide Insurance have partnered to offer employees of NIH/NOAA a discount on auto insurance. Call your current Nationwide agent and ask for the R&W Affinity discount, and a 3% discount will be applied to your policy. If you are not insured with Nationwide or have questions on your current Nationwide policy or to shop and compare your current auto and homeowners rates contact Corrigan Insurance Agency at 800-213-1634. Be sure to mention you are a NIH/ NOAA employee to receive your discount. R&W Online Housing & Classified Ads
The R&W has an online Housing and Classified ad page. Listing categories include “Housing,” “Automotive,” “Child Care,” “Elder Care,” “Tutoring,” “Events,” “For Sale,” “Pets,” and “Other Services.” Ads are $25/ listing and run for one month. Buying or Selling a Home? The NIHFCU can help you search for a home, find a Realtor, earn a valuable rebate and get the financing you need all under one roof! Buying and selling a home can be a complicated process. Let us help you along the wayfrom start to finish – saving you time and money with these incredible resources. Powered by CU Realty Services, the HomeAdvantage Program is a no-fee, no-obligation service available to all NIHFCU members. For more details or to enroll, visit nihfcu.org/mortgages or call an NIHFCU Specialist at 855-203-4747. 2015 R&W Preferred Memberships $9 Fee For the Whole Year Did you know...All NIH, NOAA, and HHS employees, contractors, patients and their families are eligible to become Preferred R&W Members? Join the R&W at any time for just $9 and your membership will be good for one year from the date that you joined. Preferred mem-
bers have access to discounted tickets (entertainment, sporting events, children’s shows, etc.) movie rentals, discounted dry cleaning, gift items, fitness center programs and classes, recreational clubs, community discounts and much more. Sign up at any R&W store, or online at www.FedESP.com. NIH R&W Montgomery Aquatic Center (MAC) Corporate Membership Eligibility for MAC Corporate Memberships apply to any NIH staff member who has both a valid NIH ID badge, current NIH email address, and a current R&W membership. This offer doesn’t extend to family members. MAC memberships under this promotion are $150 (savings of over $200). This group membership provides joiners with full access to the MAC, ONLY. The MAC is located at 5900 Executive Blvd; North Bethesda, MD. To join NIH employee can sign up for their membership directly at the MAC. You must present your NIH ID badge, as well as a current R&W membership card with sticker (purchase a new card/sticker at any R&W store location). Registration will open on September 3rd. Call the MAC at 240-777-8070 if you have questions about swim schedules, swim hours, classes, etc. This opportunity is not part of any official federal fitness program, so neither R&W, NIH, nor any other part of DHHS can take responsibility for injuries or related problems that may develop as a result of using this facility. Use of the MAC must also be on employee’s personal time only. Neither R&W, NIH more broadly, nor DHHS is necessarily endorsing the MAC. R&W Beauty and Barber Shop 8:30am - 4:30pm Whether it’s a simple trim, haircut or a new style; the staff at the Beauty & Barber Shop is there to provide services to all NIH employees, contractors and patients. Movie Rentals for R&W Members 1.00 Overnight $2.00 Monday – Tuesday due Thursday $3.00 - Weekends starting Thursday due Monday, or Friday due Tuesday $2.00 - Friday after 12pm Late fees $2.00 per night per movie.
Recreation & Welfare | September/October 2015 37
R&W Membership Resources & Shopping •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• BJ’s Wholesale Club Membership Discounts R&W has BJ’s membership discounts for new members or renewals! When you join BJ’s, you’ll have the convenience of finding all you need in one place – 6,500+ items in stores! And, BJ’s accepts all manufacturers coupons. This special offer is not valid online or at any BJ’s Club locations – it’s only available through only through R&W! To receive an application, contact David Browne at browned2@mail.nih.gov. BJ Memberships Categories: Inner Circle - one year/$40 (reg $50) plus 3 months free Rewards - one year for $80 (reg. $100) + 3 bonus months free and earn 2% back on BJ’s purchases. PayCheck Direct - A Smarter Way to Shop Brought to by the NIH R&W, PayCheck Direct helps you get what you want today and pay for it the easy way, with interest-free financing and worry-free payroll allotment over 12 months. When you shop with PayCheck Direct, you have thousands of choices: furniture, big-screen TVs, major appliances, fashionable jewelry, powerful computers and even toys. PayCheck Direct does not perform credit checks and there are no down payments required. For a PayCheck Direct catalog visit any R&W store and start shopping today at www. mypaycheckdirect.com/nih. NIH’s R&W Dry Cleaning Service The NIH R&W has dry cleaning service available at the R&W stores in Bldg. 10 CRC, and Rockledge. Dry cleaning will be picked-up from and delivered to the store every Monday and Thursday. Laundry service will be $2.20 and dry cleaning will be $6.75 and up. Leather Repair, Bridal Gown Restoration, and Shoe Repair are also offered. Please be aware that if a federal holiday falls on a Monday or Thursday or there is inclement weather, then pick-up and delivery will resume on the following Monday or Thursday as the situation allows. If you have questions regarding the service email us at nihrw@mail. nih.gov or speak with the store manager. The NIH Farmers Market Every Tuesday,10am-2pm, South Lobby, Bldg 10 AND Thursday, 10am-2pm, Bldg 31A Patio 38 September/October 2015 | Recreation & Welfare
We will have a wide selection of goods to purchase from including breads and cookies, fruits and vegetables, olive oils, teas, roasted nuts, organic body lotions and more. Please come show your support and also bring your own plastic or recyclable bags. Please be aware that on days it rains, the market will be held under the awnings in front of Bldg. 31 and at the patio. If you have a suggestion for the market or regarding our current selection, email David at browned2@mail.nih.gov.
R&W GIFT SHOP LOCATIONS Building 10 CRC, 8:00am – 3:45pm Rm. 1N-2582, 10 Center Drive Bethesda, MD 20892 301-451-7708
Rockledge I., 8:00am – 3:45pm Rm. 4202 6705 Rockledge Dr. Bethesda, MD 20817 301-435-0043
R&W FITNESS CENTER LOCATIONS Bldg 31 C, B4 C18 9000 Wisconsin Ave Bethesda, MD 20892 (301) 496-8746 The Loft (T-39) Located by Parking Lot 41 Rockledge, Room 5070 6705 Rockledge Dr. Bethesda, MD 20892 (301) 435-0038 Bayview 251 Bayview Blvd. RM 3C011 Baltimore, MD 21224 (410) 558-8300, x7002 24-hour access
Travel & Entertainment Discounts through R&W Member Deals! FedESP.com has partnered with a leading travel and entertainment provider to bring HHS, NIH and NOAA employees money-saving tickets and exclusive deals on entertainment in some of the most exciting and desirable destinations in the US, Caribbean and Mexico. By simply registering on FedESP.com for your free membership, you can take advantage of exclusive access and discounts for shows, theater, theme parks and attractions, movies, concerts, hotels, car rentals and more. Within a few hours of the Washington DC/Virginia area there are nearly 50 saving deals including: Kings Dominion – Save over 30%! Save up to 30% at an AMC Theatre near you! Spirit of Washington Dinner Cruise - Save up to $20 Save up to $40 on Amaluna by Cirque du Soleil
FEDESP.COM Recreation & Welfare | September/October 2015 39