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The Defense budget maze with so many things going on, let's set the table:
We have been flooded with a world of acronyms, impacts from sequestration, on-again, off-again furloughs, threatened store closings, the collateral damage from the hiring freeze, known reviews and shadowy study undertakings and budget reviews all of which could have a lasting impact on the military resale system.
Is there any way to layout what is going on isn't an understandable time line? Because we all have a boss we have to explain it all to and we are supposed to know the answers, even if no one else does, so here goes.
It is fiscal year 2013 and we are in the middle of a budget that has been passed very late in the form of a massive government-funding bill. This funding bill reduced the overall levels for Defense and it has created pressure on the budget. The shortfalls in this overall funding bill didn't address the automatic budget cuts from sequestration, which was set in place by earlier law the Budget Control Act of 2011. Sequestration reductions are across the board in the federal government. But we are only concerned about the portion that applies to DoD. The initial estimate was that the implementation of sequestration would result in a 9.2 percent reduction across the board on DoD with the exception of programs that were exempted. As we reported earlier this was a potential $155 million cut to DeCA with $130 in appropriated fund and $25 million in surcharge.
DeCA was originally going to cover this cost primarily with travel restrictions, hiring freezes, and furloughs of its civilian workforce of 22 days beginning in April 2013. Various funding maneuvers within DoD provided some relief and now DeCA is looking at furloughs for 14 days beginning in July. DeCA announced that they would close one day a week to manage these furloughs. Now, Defense officials are seeking ways to further mitigate the effects of the budget and reduce the number of furlough days. The jury is still out on this as we are waiting on the outcome of other DoD budget maneuvers that could further reduce furlough impact.
The most immediate impact is coming from the DeCA hiring freeze. This has a cumulative effect on military families since DeCA is a prime employer and the military are in the heart of PCS season. Here, we see some store staffing levels well below what is required, in some cases, 70 percent of required staffing. ALA is working with and Congress to get some relief in this critical area.
There would also be impacts on the exchanges because of reduced base support and overseas transportation funding. This is a double-edged sword for exchanges because exchanges need to backfill any cuts with earnings and therefore diminished ability to recapitalize their facilities and technology systems. And, the cuts put more pressure on dividends as MWR programs are cut and more exchange earnings are required to mitigate these cuts.
For FY14 the president's proposed a budget for DoD that fully funds DeCA and has no known negative impacts to military resale. We take this as a positive sign in that the administration has continually voiced support for quality of life programs and stepped up for them in this budget. In addition, military resale is at the heart of several key White House initiatives, In particular the first lady's Joining Forces initiative and the DoD's Healthy Base Initiative. So support for military resale would seem to be consistent with what the White House says is important.
The Senate and the House mark up their fiscal year 2014 defense budget bills in early June. The President has requested that sequester be done away with and did not submit a budget that takes the sequester into consideration. It's unclear at this point whether Congress will fund DoD at the higher non-sequestered level or the sequestered level that chops out some $50 billion. In this case, we will move again into the cycle net year of threatened furloughs and commissary store closures. (There's a glimmer of light on the horizon, however, as revenue projections. Goldman Sachs has lowered their estimates of the deficit both this year and next, on the back of higher-than-expected revenues and lower-than-projected spending. Analysts started the year projecting that the deficit in the current fiscal year would be about $900 billion. Earlier this year, they lowered the estimate to $850 billion. Now they have lowered it again, to $775 billion. If the overall deficit numbers continue to drop, this may provide maneuvering room for defense budget relief.)
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Now we come to a series of ongoing reviews that are principally focused on FY15 but could direct earlier changes. Here is where we need to go through some acronyms. The first is Strategic Choices and Management Review (SCMR) that was announced by the Secretary of Defense in April. It has a broad based review template and includes a focus on personnel costs and overhead structures. It is ongoing. This is being run by the Cost Assessment and Program Evaluation or CAPE. This is a group headed by a political appointee that reports directly to the Secretary of Defense and his Deputy. This is largely a DeCA budget drill and as far as we know, exchanges are unaffected. The report to the Secretary of Defense is due May 31.
Another overarching review that will take place this year will be the Retirement Modernization and Compensation Commission that will look at all elements of military pay and benefits including commissaries and exchanges. A sub-group of that Commission is the Quality of Life Committee that will compile information on programs including the military resale benefits. This report is expected to be complete next year.
While these reviews are going on there is a reduction review project that has been given DeCA in the form of a Resource Management Directive (RMD). These are usually initiatives to look at resource options when you are building your budget in some instances they specify target levels for the budget. DeCA received just such a Directive and it specified two options. First, develop a budget with a 5 percent reduction and submit that program in May; next look at sustaining OCONUS commissary operations with a budget reduction of up to 33 percent (not more but total so 5 percent plus 28 percent). This is an unconstrained review so the answer can come in the form of several options. One is the current business model and another could be an alternative universe where the rules are different. The second part of the assignment is due in July but must be submitted in time to allow CAPE to take a look at it. As we speak, DeCA is developing options and socializing them with the Quality of Life Committee and the Commissary Operation Board.
In summary, while there are trains on many tracks involved in reviews, they are all expected to arrive at the station at some point this summer where they will be part of the discussions for the compensation model of the future and in particular the foundation for the 2015 budget. It is our position that DeCA is part of the solution for the compensation model of the future and not part of the problem. We believe that DeCA must share in the efficiency drive within DoD but should not be singled out and cut disproportionately compared to other DoD programs. DeCA has already returned over $700 million in savings from its consolidation and continual focus on efficiency. The recently completed economic analysis demonstrated this clearly. Finally, if DeCA is fully funded in the FY14 budget and is a key supporter of key administration programs, why is there a Resource Management Directive looking for a 33 percent reduction in FY15?
It also is our position that exchange earnings come from the pockets of the patrons and are designed for a specific purpose recapitalizing the exchanges and funding base MWR programs. These funds should continue to be used for the purpose intended and not diverted to cover legitimate readiness or base operations taxpayer obligations. We hope this helps layout what is a very dynamic set of events that are taking place in the budget world. We continue to work diligently to engage and educate key decision makers about the importance of the military resale programs.
Patrick B. Nixon
President, American Logistics Association
In partnership with more than 200 Brands having distribution in the Commissaries and Exchange Stores, The MyMilitarySavings.com Distribution Network has developed and introduced a highly targeted, state of the art shopping list program for our Military Families. For a Demo of the “My Shopping List” Program and or more information on reaching the more than 1 million Authorized Shoppers now participating, please visit MyMilitarySavings.com, email to firstname.lastname@example.org or call 619.522.2957.
Reviews threaten commissary benefit
Commissary officials are conducting at least three short-fuse cost-cutting reviews, each of which could significantly reduce access to the benefit by either shutting down some stores or shortening their hours.
Pentagon plans to cut civilian workforce
Agence France-Presse via Space Daily
The Pentagon plans to cut its vast civilian workforce by 5-6 percent over the next five years to match similar reductions in the number of US troops, Deputy Defense Secretary Ash Carter recently said. "These reductions are largely proportional to military end strength reductions that we proposed," said Carter at the National Press Club in Washington.
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Judy Johnson's Military Family Mailbox: Co-op envelope
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Contact: Military Media Inc. 845-454-7900.
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Lawmakers seek details of possible sequester cuts to defense budget next year
The Washington Post
The Pentagon is likely to face steep, across-the-board budget cuts beyond the end of this fiscal year, the two top lawmakers on the Senate Armed Services Committee recently warned, as they asked the secretary of defense to lay out in detail the consequences of slashing $52 billion from its budget next year.
Details leak on DoD's budget reprogramming
Shipping $28 billion worth of equipment out of Afghanistan over the next year and a half won’t be easy — or cheap. The massive job is made more difficult by the fact that the overseas contingency operations funding line is expected to fall from the $88 billion granted by Congress last year, though by how much remains to be seen. Senior Pentagon officials say they will release their request in the next several weeks.
Pentagon furloughs still uncertain as services disagree
Defense Secretary Chuck Hagel said he's still reviewing options that may avert furloughs more than three months after the Pentagon said automatic budget cuts may require unpaid leave for as many as 750,000 civilian workers.
Top US admiral says shift to Asia on track despite budget cuts
Plans to expand the American naval presence in the Pacific with new ships and hi-tech weaponry will go ahead despite steep budget cuts, the U.S. Navy's top officer said before a trip to the region.
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White House sees room to maneuver on budget cuts
The Wall Street Journal
White House officials believe they may have found a bit more wiggle room to prevent about $4.9 billion of cuts to several agencies' budgets this year, two congressional aides briefed on the matter said. The biggest beneficiary appears to be the Pentagon, which might receive an additional $3.7 billion. The State Department and Department of Homeland Security are among a handful of agencies that also would receive more money. The agencies would still face cutbacks, but the reductions wouldn't be as deep as previously estimated.
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Commissary Web Posts
The following commissary items were posted to the ALA Website as of 10 a.m., May 9, 2013.
DP #12, Alaska Promotion & Shipper Quantities.
Summer Club Pack, Update #1.
NOTICES TO TRADE
13-77, Revision to DeCA Brand Name Fresh Chicken Program.
Adds/Changes/Deletes for Week 13-19.
Guard & Reserve On-Site Sale Schedule updates.
SAVE THE DATES
June 18, 2013: ALA Congressional Caucus, Washington, D.C.
NEW Aug. 20 & 21, 2013: 2013 Hawaii Food Show, Hawaii Prince Hotel, Honolulu, Hawaii
Sept. 30 – Oct. 2, 2013: 66th ALA National Convention, Hyatt Regency, New Orleans, La.
Program buy for fluid milk and associated products
Federal Business Opportunities
The Defense Commissary Agency is seeking interested sources capable of providing fresh fluid milk and associated products to commissaries located in DeCA's West Area. The commissaries are located in the midwest and southwest area of the United States (North Dakota, South Dakota, Wyoming, Colorado, Nebraska, Kansas, Nevada, Utah, Oklahoma, Texas, New Mexico and Arizona).
Contracts for May 3, 2013
Coast Produce Co., in Los Angeles, Calif., is being awarded an indefinite-delivery, requirements-type contract to provide fresh fruits and vegetables, live potted plants and ornamental produce for resale at 36 commissary store locations in Defense Commissary Agency's (DeCA) West Area, considered Area 6. Contractor will deliver FF&V, live potted plants and ornamental produce to the store locations as needed. The contract is for a two-year base period beginning June 1, 2013, through May 31, 2015.
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Federal contracts awarded to companies in Virginia
The following federal contracts were announced by federal agencies as having been awarded to companies operating in Virginia.
Double basket shopping carts
Federal Business Opportunities
This solicitation is being issued as 100 percent small business set-aside for double basket shopping carts for the Defense Commissary Agency stores located through the continental United States and overseas locations. However, for overseas stores with the exception of Hawaii and Alaska, the Contractor is responsible for preparation for overseas shipment and delivery to the port. A Firm Fixed Price Contract is contemplated.
What supermarket cashiers need to know
Often we talk about the power of the bagger. That this person is typically the last touch point for a shopper, and how a smile, thank you or offer to help you to your car can reinforce the relationship to the store. And then there is the cashier. One step before the bagger experience, the cashier is that person who is responsible for proper scanning and taking the shopper’s money — all too often a lightning-fast and unemotional experience.
Study: Credit, debit comprise 60 percent of dollar sales
Credit and debit payments now exceed 60 percent of dollar sales, followed by cash at 23.1 percent, according to a new study by the National Grocers Association. And while check usage in the grocery channel has fallen to single digits as a percentage of sales, it continues to have the highest average transaction value at $63.21.
Advertising on bags increases avocado sales in supermarkets
According to a recent report published by the Hass Avocado Board retailers have a new opportunity to increase the sales and distribution of avocados sold in bags. Although most of the major supermarket chains sell avocado in bags, smaller and independent chains, as well as traditional retailers, may increase the category's distribution by adding this type of packaging in their stores. According to the study, avocados sold in bags are a complement to the category's growth, in addition to the fruit's bulk sales.
Grocery shopping while hungry may lead to more high-calorie choices
Starving for a bite? You probably shouldn't shop at a grocery store if you have an empty stomach, new research suggests. A research letter published in JAMA Internal Medicine on May 6 shows that hungry grocery shoppers are more likely to buy higher-calorie food items.
Women take the reins of grocery shopping, cooking
It's probably no surprise to the millions of women who do their family's grocery shopping and cooking that females do the majority of those tasks, but a new study commissioned by the Private Label Manufacturers Association confirms that status quo. "Today's Primary Shopper," conducted by GfK Custom Research North America, found that two-thirds of females are the primary grocery shoppers, with three-quarters of those women making the grocery lists and 53 percent clipping coupons or researching sales.
LinkedIn: Social media a major motivator for mass affluent consumers
About 90 percent of mass affluent consumers use social media, according to a recent study by LinkedIn. The study classifies the mass affluent as consumers who have investable assets between $100,000 and $1 million. LinkedIn says that this group is active on social media and could prove a key market for financial institutions.
Forrester: 75 percent of consumers access smartphones in-store
A Forrester Research analyst at the Mcommerce Summit: State of Mobile Commerce 2013 conference said that three-quarters of consumers surveyed use their smartphones while in-store.
J.C. Penney takes to social media to ask shoppers to come back
J.C. Penney Co Inc, recognizing it made mistakes in its attempt to re-invent itself last year, recently launched a social media and television campaign that asked shoppers who left in droves to come back.
Dollar General to hold May 18 job fair in Independence
The Kansas City Star
Dollar General said it plans to hire 10,000 employees in May to fill positions at its stores and regional distribution centers. The company will hold a job fair from 10 a.m. to 2 p.m. May 18 at 170 locations in the 40 states it serves. Hiring fairs at its distribution centers will be held throughout this month, said the Goodlettsville, Tenn., company.
Evolving expectations keep retailers innovating
The retail industry continues to evolve rapidly. As we all know, retail has always changed and adapted — and in just the past 20 years it has advanced from then-radical game changer Amazon.com to more recent models like Hointer, which boasts what amounts to online shopping in a store. There is a distinct theme emerging around all of this evolution.
Retailers wage war against long lines
The Wall Street Journal
Supermarket giant Kroger Co. is winning the war against lengthy checkout lines with a powerful weapon: infrared cameras long used by the military and law-enforcement to track people. These cameras, which detect body heat, sit at the entrances and above cash registers at most of Kroger's roughly 2,400 stores. Paired with in-house software that determines the number of lanes that need to be open, the technology has reduced the customer's average wait time to 26 seconds. That compares with an average of four minutes before Kroger began installing the cameras in 2010.
Sears dips toe into daily-deal world
Crain's Chicago Business
Sears Holdings Corp. recently launched its first daily-deal coupon, offering 15 percent off through Google Offers. The offer must be redeemed in stores and applies only to clothing, handbags and accessories. Linking shoppers' online daily-deal purchases with in-store visits is an example of Sears' efforts to reverse its declining fortunes by better connecting customers' online and real-life shopping experiences.
RadioShack aims younger with Thicke, Beats
In a bid to reach the next generation of electronics users, RadioShack is teaming with one of their favorite accessory brands: Beats by Dr Dre. "As part of our brand transformation, we need to broaden our appeal to be inclusive of Millennials who currently don't know that they can find the hottest music accessories that they want in their neighborhood," said Jennifer Warren, RadioShack's chief marketing officer.
Mother's Day spending up, macaroni necklaces rule
With four separate consumer forecasts predicting spending increases for Mother's Day, there's little doubt that most moms will get something on May 12. But what do American mothers say they really crave? Bring on the crayon cards, pasta jewelry and husband-propelled vacuum cleaners.
Steele Fitness and Under Armour to open co-branded stores
Steele Fitness is strapping on its Under Armour. The Golden Valley, Minn.-based chain of upscale fitness centers recently signed a deal with athletic wear maker Under Armour to open a retail store in Edina. The 2,500-square-foot store at 50th and France Avenue, to be called Under Armour for Steele, will open in May and feature thousands of co-branded workout apparel items, including yoga pants, jackets and sneakers.
DSW set to open first South Carolina store
Chain Store Age
Footwear/accessories retailer DSW Designer Shoe Warehouse opened a new store in Columbia, S.C., on May 2. This marked the entry of the DSW brand into South Carolina.
Bloomberg: Apple to grow aggressively in China
Chain Store Age
A recent report by Bloomberg said that Apple plans to double its number of retail stores in China over the next two years to help offset slowing growth worldwide.
Wal-Mart provides scheduling visibility to associates
Chain Store Age
Wal-Mart Stores Inc. recently said it is implementing a pilot program that brings increased transparency to its workforce scheduling and allows associates to choose more hours for themselves.
Surprisingly good jobs report sends Wall Street surging
Fort Worth Star-Telegram
A surprisingly positive jobs report recently showed that employers added 165,000 positions in April and the unemployment rate fell to a four-year low of 7.5 percent, sparking a day of milestones on Wall Street as investors looked past doubts about robust hiring in the months ahead.
Neiman Marcus explores options
The Wall Street Journal
Neiman Marcus Group Inc. is talking to banks about strategic options such as a public stock offering or sale, said a person familiar with the company, in the latest step toward a change in ownership for the luxury retailer.
Mother's Day will set record spending on iPads, tablets, electronics
Consumers are scaling back the frills, the flowers, the champagne brunches and massages to buy something a bit more practical — and pricey — this Mother's Day: tablets, iPads and smartphones. More than 14 percent of shoppers will buy electronics for mom, according to a survey by the National Retail Federation, the highest percent in the decades-old history of the NRF report.
Fight expected in House on online sales tax
The Hartford Courant
The Senate recently overwhelmingly voted to give states the power to enforce their sales tax laws on online purchases, but the legislation faces a tougher fight in the Republican-controlled House of Representatives. The Democratic-controlled Senate voted 69 to 27 to back the measure, which pits brick-and-mortar stores like Wal-Mart Stores Inc and cash-hungry state governments against such Web retailers as eBay Inc and Republicans wary of new tax measures.
Limited's plans for 2013 include four outlet stores
The Columbus Dispatch
The Limited is pushing the limits of its fashion business by expanding into outlet centers, a growing sector of retailing. Recently, the New Albany-based women's-apparel company quietly opened the doors on its Nashville-area store and will open another store in Auburn Hills, Mich., on May 18. Grand openings for both stores are set for Memorial Day weekend.
Retailers brace for the effects of bad weather
The dwindling number of retailers still giving out their monthly sales data recently reported their April tallies, and weather casted a shadow and offset benefits of lower gasoline price and an improved job picture.
Toys 'R' Us targets tablet users with interactive, brand-building app
Mobile Commerce Daily
Toys "R" Us has launched a new mobile application for iPad and Android tablets that centers around its mascot Geoffrey the Giraffe and endeavors to build brand awareness. The Geoffrey's Jungle app follows Geoffrey the Giraffe as he embarks on a safari adventure through different islands full of games and surprises. The app is part of the company's ongoing efforts to expand its mobile reach.
AAA fuel gauge report: Gas prices end 61-day streak of declines
Convenience Store News
After 61 consecutive days of declines, the national average price for a gallon of regular gasoline has risen to $3.52. This is two cents more expensive than a week ago, but still nine cents less than one month ago and 26 cents less than a year ago, according to the AAA Fuel Gauge Report. It is also 27 cents below the peak 2013 price to date of $3.79 posted on Feb. 27.
How to be more strategic about online customer engagement
Social media has opened up a whole new world of opportunities to engage with our customers like never before. We openly ask for their feedback and opinions on our brands, products and marketing programs. Of course, asking those questions can be like opening a can of worms. Many times that commentary is inspiring, as brands look to continuously improve. Other times, though, it can be potentially damaging to the brand.
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Senate approves Internet sales tax proposal
The Senate recently approved a long-anticipated Internet sales tax proposal, moving the legislation one step closer to enactment and paving the way for shoppers to pay sales tax on the majority of online purchases. The so-called Marketplace Fairness Act would allow the 45 states (and the District of Columbia) that currently charge sales taxes to require large online retailers to collect tax on purchases made by their residents. The law would only apply to online sellers that have sales of at least $1 million in states where they don't have physical operations, like a store or a warehouse.
Let social media do good work for you
By Cindy Woudenberg
The amount of people using social media is on the rise, and it's going to continue to climb. It's essential to engage with these communities when building and maintaining connections for your business online. To optimize usage of the available current technology, here are some key items to consider when boosting how your online presence works.
Industry Pulse: How often does your organization post on social media?
Previous Industry Pulse: Does your facility use high-efficiency toilets?
Mobile becomes key to consumer finances
Despite lingering security concerns, consumers are becoming incredibly comfortable with their smartphones and all manner of mobile transactions. As new research shows, a full 75 percent of consumers are just as comfortable accessing financial accounts from their mobile device as they are from their desktop computer. As a result, 72 percent of consumers now use banking apps (or access a banking website with their mobile gadget) at least once a week, while 56 percent report using a credit card app (or mobile website) every week.
Senior Executive Announcement
I am pleased to announce the following promotion of Dr. Jim Skibo to a senior executive role. Please help me in congratulating Jim!
Dr. Jim Skibo, VP, Business Intelligence has been selected to the newly established position of SVP, Business Development effective May 10, 2013. (The SVP Europe Region position was repurposed to the new SVP Business Development.)
Jim will lead the newly created Business Development Directorate and will be responsible for spearheading value-enhancing business development initiatives for the organization. He has a PhD in Human and Organizational Systems, extensive experience with the Exchange, and brings a wealth of knowledge from his time in the Sales Directorate, Marketing and Business Intelligence.
Congratulations, Jim! Please disseminate to our Exchange family.
Thomas C. Shull
AAFES economic engine worth 1 billion annually to Dallas
Dallas Mayor Mike Rawlings and the Army & Air Force Exchange Service's Senior Vice President of Strategic Plans and Partnerships Mike Immler discuss economic development opportunities at a City of Dallas "Grow South" event. The Exchange spent more than $575 million with local businesses in Dallas last year. This, combined with an annual payroll of $187 million, means the Exchange’s economic impact to the city is nearly $1 billion annually.
Each year, Fisher House Foundation prints and distributes a large poster that acknowledges those DeCA trading partners whose donations make the Scholarships for Military Children Program possible. The poster is displayed in all commissaries, worldwide. Copies of the poster were distributed to donor companies at the Commissary Roundtable in Richmond or were mailed to each company. If you did not receive a copy, or would like additional copies, they can be picked up at the 1st floor of DeCA headquarters at Fort Lee or you can request copies from Jim Weiskopf, Vice President, Fisher House Foundation.
Click here for poster.
AAFES Retail Sales By Department 2012
ALA Salutes Doug McAlister
Doug McAlister has retired after 11 years of service to the Coca-Cola System, as Vice President, Worldwide Military Sales and Export. Doug has led the Coca-Cola Military sales effort since 2002 and his overall leadership and dedication were significant for ALA and the Military Retail System. He and his wife, Nancy, will enjoy their family as they embark on this new chapter in their lives. For those wishing to contact Doug, he can be reached at firstname.lastname@example.org.
ALA Exchange E-Blast week 5/10/13
ALA Executive Briefing (archive link)
AAFES Press release Archive 2010-2012
AAFES sales flyers (to view click below)
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Save the dates:
June 18, 2013: 2013 Congressional Caucus & Public Policy Forum, Rayburn House Office Building, Washington, D.C.
Prior to the beginning of the governments new fiscal year we have congressional representatives addressing legislative and policy issues impacting the military resale and MWR/Services industry. The forum takes place on Capitol Hill to showcase the association's efforts to strengthen existing relationships and forge new partnerships with the Administration, Congress and Department of Defense.
June 24, 2013: NY Chapter Golf event at West Point - To benefit the Military Commander's Scholarship Fund.
NEW Aug. 20 & 21, 2013: 2013 Hawaii Trade and Food Show, Honolulu, Hawaii
Sept. 30 – Oct. 2, 2013: 66th Annual Convention, Hyatt Regency, New Orleans, La.
Dec. 5, 2013: ALA NY Chapter Annual Holiday Luncheon, New York City.
Go to: www.ALA-National.org, sign in and CHECK OUT the information.
Joint Base Myer-Henderson Hall appreciates its military spouses
Blackanthem Military News
Family and morale, welfare, and recreation is set to treat spouses like celebrities. Little is known of the sacrifices made by America's home front heroes, military spouses. During the week of May 6 to 10 Joint Base Myer-Henderson Hall's Family and Morale, Welfare, and Recreation organization intends to shine a light on those sacrifices and honor the Family members who serve right along with the service members. Military Spouse Appreciation Day is May 10, but FMWR will celebrate these husbands, wives and partners during the whole week.
Monterey Presidio's temporary-stay facility to be operated by hotel group
The Oakland Tribune
The first place where hundreds of thousands of service members stayed when they first came to Monterey was recently turned into a Holiday Inn Express. The two temporary-stay lodges on the Presidio of Monterey, built in the 1950s and 60s, will now be operated by the InterContinental Hotels Group.
7701 Las Colinas Ridge, Ste. 800, Irving, TX 75063