dec 2012 jan 2013

Tarheel Guardsman

December 2012/January 2013

Merry Christmas and Happy Holidays

from the Staff and Officersof the

North Carolina National Guard Association

Inside:Combined Event Registration and Information — pages 6-7875th EN CO News — pages 14-15

– Tarheel Guardsman — December 2012/January 2013

Another year has ended, and we ap-proach a new one with hope and antici-pation. At the same time, we remember

the milestones of the past year, some good and some painful, and accept them as part of the difficult jobs we volunteered to do, and the joys and difficulties endured by our families and employers as we do them. I can't help but think back on the faces we no longer see in our ranks. As I write this on

Oct. 31, I'm reminded of the funeral of 1st Lt. Ashley White-Stumpf who was laid to rest a year ago today. I'm reminded of the four brave men of MAFFS 7 who gave their lives in July while fighting fires in South Dakota. I'm reminded of the three brave Soldiers of the 514th Military Police Company who died at the hands of a cowardly suicide bomber in Khost City, Afghanistan, Oct. 1. We can never forget that freedom indeed is not free and that it takes the courage of heroes such as these to preserve it for all of us. At the same time, I'm also reminded of the great successes we've achieved. We officially dedicated a new Joint Force Headquarters Building. We have deployed and welcomed home hundreds of Soldiers and Airmen who have gone in harm's way for our state and our nation. At this moment, we are demobilizing dozens of Soldiers and Airmen who answered the call to state duty in anticipation of Hurricane Sandy. Also at this moment, Airmen in Charlotte and Stanly County are ready-ing engineer force packages for use in helping our fellow Americans who are suffering in the wake of Sandy's destruction wrought in the Northeastern United States. And at the Army Aviation Support Facility in Morrisville, aviators from Salisbury and Morrisville are preparing to lead a task force of helicopters to New Jersey to bolster the disaster-relief mission spearheaded by the nation's National Guard. All of these things point up the reasons our nation needs a strong and relevant National Guard. Indeed, as I've said many times, we are the most cost-effective, ready, reliable and responsive military force for the state and the country. We are the most experienced force we've ever been. We cannot fail to remind everyone we can of this fact as we face the prospect of extraordinarily lean financial times in 2013. I want to salute you all for being part of our Always Ready, Ready Team! Families and employers are certainly included in that salute. We couldn't do our jobs without them. Be safe heading into the new year. Keep striving to always be thebest. Let me know how I can support you. I wish you and yours a very happy holiday season and a prosperous new year. Always Ready, Ready Team!

TAG’s Corner

Maj. Gen. Gregory A. LuskAdjutant General of NC

óóNC Adjutant General – MG Greg Luskhttp://www.facebook.com/NCAdjutantGeneralhttp://twitter.com/NCTAG

NC Assistant Adjutant General Air – Brig. Gen. Todd Kellyhttp://facebook.com/NCAirAAGhttp://twitter.com/NCAirAAG

NC Senior Enlisted Leader – Command Sgt. Maj. John Swarthttp://www.facebook.com/NCCSMhttp://twitter.com/NCSCSM

NC Command Chief Warrant Officer Rick Comerhttp://www.facebook.com/pages/NC-Command-Chief-Warrant-Officer/261726843901458http://www.twitter.com/NCCWO

NC Command Chief Master Sergeant Chief Master Sgt. Bruce Picketthttp://www.facebook.com/pages/NC-State-Command-Chief-Master-Sergeant/330777956943662http://www.twitter.com/NCCmdChief

TAG email contact: [email protected]

CONTACT INFO

Tarheel Guardsman — December 2012/January 2013 —

Address changes or questions? Call us toll free in NC at

1-800-821-6159 or if out of state, 919-851-3390.

Our email address is [email protected] and our web site is

www.ncnga.org

Deadline for submitting articles to the Tarheel Guardsman:

FEB/MAR issue: 4 JAN 2013

Send articles/photos to Teri Foster, Editor at the NCNGA (7410 Chapel Hill Rd, Raleigh, NC 27607-5047) or email ([email protected])

Officers Executive Council

Teri Foster, Editor

DECEMBER 2012/JANUARY 2013 Volume 46 Number 6Official publication of the North Carolina National Guard Association

NCNGA:Convention Information 6,7Educational Foundation Golf Tournament Application 9In Memoriam List 10Legacy Bridge Program 12Application for Office 13

NC National Guard:Donated Art Work 5875th EN CO 14,15

Contents:

TARHEEL GUARDSMAN

The Tarheel Guardsman, (ISSN 10618392) is published bi-monthly for the Army and Air National Guard of North Carolina, by the North Carolina National Guard Association, 7410 Chapel Hill Road, Raleigh, NC 27607-5047. Periodicals postage paid at Raleigh, NC 27676-9651. POSTMASTER: Send address changes to: Tarheel Guardsman, 7410 Chapel Hill Road, Raleigh, NC 27607-5047. The Tarheel Guardsman is the official publication of the North Carolina National Guard Association, a non-profit organization. The publication’s mission is to promote the general welfare of the NCNGA, assist in increasing the readiness of the NC Army and Air National Guard of North Carolina and serve as a vehicle of expression for members of the National Guard. Members receive the publication free with their membership. The annual subscription rate for non-members of the Association is $15.00. Please include your old address when requesting change of address. Deadline for submitted material to the Tarheel Guardsman is the 5th of the month, two months preceding the calendar date of issue. Manuscripts and photographs on subjects of general interest are invited. Unless otherwise indicated, material may be reprinted provided credit is given to the Tarheel Guardsman and the author where listed. Articles and photos will not be returned, unless requested. (USPS 533-640) Advertising is accepted. For details contact the Association headquarters. Advertising, including political ads, published in this publication does not represent the endorsement or approval of the North Carolina National Guard Association.

Scholarship Applications:

Applications will be accepted for the 2013-14 school year as follows:

College Students — 1 Feb 2013High School Students — 1 Mar 2013

Applications and scholarship amounts are on our website: www.ncnga.org/education-founda-tion-2/scholarship-information/

President Ronnie Honeycutt

Vice PresidentBernie Williford

Past PresidentFisk Outwater

Secretary-TreasurerAdene Tyler

Judge AdvocateRick Fay

ChaplainK. Carl Singley

STAFF

Executive DirectorAdene Tyler

Insurance AdministratorTeri Foster

Assistant Insurance AdministratorRhonda Arndt

Executive AssistantKathy Ford

NCNGA Educational Foundation

AdministratorPeggy Robinson

30th HBCTScott Schnack

Bobby Lumsden130th MEB

Diana StumpfRussell Thorington

60th Troop CommandTom HolcombDale Baker, Jr.

449th TABThomas Underwood

Stephen Davis113th Sustainment BDE

Billy HillStephen McCormick

JFHQ-NCCharlene Johnson

Wes Morrison139th Regiment (CA)

Ronald HillK. Todd Helms

Air GuardWendy LarsenScott Harrell

Associate ClassJohn Sweat, Jr.

Al RoseJunior CouncilLonnie Brooks

Leverne Jackman, Jr.


POLICY SERVICE FORM

BENEFICIARY DESIGNATIONI (we) ask the beneficiary of the above policy be changed as shown below. All prior beneficiary designations are revoked. I (we) agree that theCompany is free from liability in relying on a statement about birth, death, marriage, names, addresses and other facts concerning all beneficiariesfrom any other one. Unless otherwise stated, the survivors of a beneficiary class share equal amounts of the proceeds.

I would like to change my Beneficiary on my Group Life Policy to:

List beneficiary’s full name and address Relationship Date of % of To insured Birth Proceeds

_________________________________________________ ______________ ___/___/___ _____________________________________________________ ______________ ___/___/___ ____

Relationship Date of % ofList beneficiary’s full name and address To insured Birth Proceeds_________________________________________________ ______________ ___/___/___ _____________________________________________________ ______________ ___/___/___ ____

If none of the above are living or this designation is ineffective proceeds will be paid to the insured’s estate. If you name a Trust as the Benefi-ciary, submit a copy of the trust for our file.

Unless the Company has been notified of a community property interest in this policy, the Company shall be entitled to rely on it’s good faithbelief that no such interest exists and assumes no responsibility for inquiry. The insured and/or policyowner signing this form agrees to indem-nify and hold the Company harmless from the consequences of accepting this transaction.

1. NAME CHANGE : Insured

Former Name ______________________________________ New Name_________________________________________

Date Named Changed ___/___/___ Reason _____________________________________

2. ADDRESS CHANGE: Owner Insured______________________________________________________________________________________________________Street City State zip

3. Lost policy Request :____ I am unable to find the policy named above. I request that the company issue a Certificate, which validates all of the provisionsof the last Policy.

__________________________________ ________________________________________________ Date ___/___/___Signature of Witness Signature of Insured Member

Member’s Name: ________________________________________ Member’s SSN: _________________________________________(Please Print)

The Company has recorded the change requested and retained a photocopy of the request. Date ___/___/___ By ____________________

American Equity LifeInsurance Company

North Carolina NationalGuard Association

American Equity Change of Beneficiary/Name FormInstructions:1) Complete sections that are applicable.2) Have someone other than beneficiary witness signature.3) Member’s signature, printed name & SSN must be completed.4) Send form (with original signature) to NCNGA, 7410 Chapel Hill Rd, Raleigh, NC 27607-5047.5) Questions? Please call 1-800-821-6159 (NC only) or 919-851-3390, ext 1 for Teri Foster or ext 0 for Rhonda Arndt.

Are YOU insured through the NCNGA and need to update your beneficiary? Please use this form and mail it to us (see #4 on instructions for address).


RALEIGH, NC — North Carolina National Guard Soldiers, Airmen, veterans and retirees from across the state donated artwork for the new NCNG Joint Force Headquarters. The 76 artworks donated by more than 22 individuals and organizations showcase mili-tary history and values throughout the ages. The NCNG gathered the paintings, pho-tographs and other artworks over a period of years. “It is a legacy of where we have been so the younger Guard generation know where we are going,” said NCNG Deputy Command Historian Army 1st Lt. Sean Daily. The project lead by Daily collected the works over 15 months for display throughout the 246,000 square foot building. Soldiers, Airmen, and state employees from the several state agencies located here with visitors are often seen admiring the art. “When people saw the art go up what began as a modest project evolved into a mission with meaning,” said Daily. The artworks are more than adornment.They reflect the values of the organization and those who donated. A ceremonial sword given as a gift to then Col. Greg Lusk by an Iraqi leader, stands in a display case with war trophies and other artifacts for 100 years of war and conflict. Artwork depicting a Soldier with an angel’s wings reflecting the duty and selfless service expected of all the Guard. “It is a true testimonial that leaders leave for generations to come,” said Daily. If you are interested in donating artwork, please call 1st Lt. Dailey at 1-800-621-4136.

“For God and Country - Still Serving Proudly.”

The North Carolina Department of the American Legion

Thanks You for Your Service to Our State and Nation!

We invite you to visit any of our 334 Posts, statewide, visit our website

www.nclegion.org, email us at [email protected],

or call 919-832-7506.

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Donated Artwork Honors N.C. Guard at Headquarters By Deputy Command Historian Army 1st Lt. Sean Daily

Retired Army Col. Lawrence L. Steed, serving more than 30 years with the North Carolina National Guard beginning in 1940, visits his former headquarters to donate artwork for display at the NCNG’s new headquarters here last year. (US Army Photo by Sgt. 1st Class Robert Jordan, North Carolina National Guard Public Affairs)

Don’t forget the Tarheel Retiree Homecoming to be held Thursday, 13 December 2012. The event starts at 1000 HRS and will be held at the New Joint Force Headquarters, 1636 Gold Star Drive, Raleigh NC. To register or for more in-formation, please contact MSG Jimmy Bright at 919-664-6000 ext 46843; SGT Kalithia Adams at 919-664-6000 ext 46902; or CPT Matthew Boyle at 919-664-6000 ext 46829.


Saturday Dinner Choices

Attendee: Spouse/Guest: Beef Beef

Chicken Chicken

Vegetarian Vegetarian

COMBINED EVENT REGISTRATION FEES

Retirees & Spouse/Guest (based on rank at retirement)

By 31 MarchPer person

*After 1 AprilPer person Total

E1-E4 & Spouse/Guest $20 $30 $

E5-E7/WO1-WO2/O1-O2 & Spouse/Guest $35 $45

All other ranks & Spouse/Guest $40 $50

Non-Military $35 $45

Child(ren) (meal only) $20 $30

Credit Card Fee $3

TOTAL $

Registrant’s Name _____________________________________ __________ Yes No Yes No

Spouse/Guest Name ___________________________________ __________ Yes No Yes No

Address ________________________________________________________ Unit: City_______________________________ State________ Zip____________ ______________________ Telephone ____________________________E-mail_____________________________________________

NC National Guard Association & NCNG Combined Event Registration Twin City Quarter, Winston-Salem, NC

25-27 April 2013

Method of Payment: ____Check enclosed (payable to NCNGA) ____Charge my: ____MasterCard ____Visa

Account #________________________________ Expiration date ____________3 digit security code ______

Authorized Signature ____________________________________________________________________ There will be a $23 Fee for Returned Checks.

Complete & Return To:NCNGA, 7410 Chapel Hill Rd. Raleigh, NC 27607 (Or Fax to: 919-859-4990 Or Call: 919-851-3390)

_____Joint Force Headquarters

_____145th Airlift Wing

_____60th Troop Command

_____130th MEB

_____30th Armored Bde Combat Team

_____449th Theater Aviation Brigade

_____113th Sustainment Brigade

_____139th Regiment (Combat Arms)

_____Open Seating

Attending Business Session: Member: Friday Yes No Saturday Yes No

Seating Preference (if any)

Attending Friday Dance: Member: Yes No Spouse/Guest: Yes No

*We are unable to accept registration AFTER 15 April 2013

AssociationMember

FirstConventionRank

Links to on-line registration and hotel registration are available on our website at: http://www.ncnga.org/CombinedEvent2


The North Carolina National Guard Association’s Annual Convention, and the Enlisted and Officer Military Balls are joining forces in 2013 for a spe-cial weekend of fun, fellowship and camaraderie. This event will be held 25-27 April 2013 at the Twin City Quarter in Winston-Salem, NC. What is the Twin City Quarter? It is comprised of the Marriott Hotel, Embassy Suites Hotel and Benton Convention Center — all connected with a covered walkway and in beautiful, downtown Winston-Salem. Why combine all these events? Well, we hope to save you some money and eliminate another Guard related weekend. We really hope you will plan to come early and enjoy the activities of the NC National Guard Association annual conven-tion. For one registration price, you can attend the Business Sessions and learn about YOUR Association, attend the Friday night hospitality rooms and dance — and then attend the grand finale: The Combined Event Ball. If you are able to come on Thursday, you can participate in the NCNGA Educational Foundation’s golf tournament and later that evening, try your luck at winning $4,000 at the Foundation’s annual Reverse Drawing (ticket required). Then you will have most of Friday to enjoy a visit to Old Salem, the downtown arts district, the Winston Cup Museum for race fans, the Children’s Museum of Winston-Salem, shopping, or golf before joining the Association for their ac-tivities on Friday afternoon/evening. Hotel rooms are blocked for Thursday, Friday and Saturday — so reserve your room today! (Hotel information is on the back page.) Are you a regular attendee to the NC National Guard Association Annual Convention? If so, don’t worry — this is going to be a unique event and a lot of fun. There will be a lot of attendees for the din-ner and dance on Saturday evening, and the dress will remind those of you that have been attending for quite a few years of the “old times” when we used to dress up for the Saturday evening event. You will also have the opportunity to meet the leadership of the NC National Guard and visit with your current and former unit members. It is going to be fun and different — don’t miss this event!

We look forward to seeing you there!

Thursday, 25 April 2013 9:00 a.m. - 2:00 p.m. Educational Foundation Golf Tournament - Tanglewood Golf Club, Clemmons, NC

6:30 p.m. - until Educational Foundation Reverse Drawing - Winston-Salem Armory

Friday, 26 April 2013

11:00 a.m. - 5:00 p.m. Registration/Exhibitors/ Silent Auction 2:00 p.m. - 4:30 p.m. First Business Session 52nd Annual Convention

4:30 p.m. - 5:00 p.m. Enlisted/Junior Office Forum

6:00 p.m. – 9:00 p.m. Hospitality Rooms Open

8:30 p.m. - 12:00 a.m. Dance/DJ/Cash Bar

Saturday, 27 April 2013 8:00 a.m. - 12:00 p.m. Registration/Exhibitors/ Silent Auction

8:30 a.m. - 11:30 a.m. Second Business Session Awards & Installation Ceremonies

11:00 a.m. - 12:30 p.m. NCNGA Auxiliary Business Session

11:30 a.m. - 12:30 p.m. Unit Representative Workshop

12:00 noon Enlisted Awards Luncheon

2:00 p.m. - 4:00 p.m. Educational Foundation Annual Meeting

4:30 p.m. - 5:30 p.m. Social Hour/Cash Bar/Hosp. Rms

5:45 p.m. - 12:00 a.m. Dinner/Dance/Cash Bar

NC National Guard Association&

NC National Guard

Combined Event25-27 April 2013

Tentative Schedule of Events

COMBINED EVENT INFORMATION


818.590.9814

[email protected] http://waketechms.theknowledgebase.org

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A total of 80 golfers were greeted with a

beautiful day for golf and a golf course in prime condi-tion to host a great event. Piney Point Golf Club was the proud host of this event for the 10th year in a row. The 10th Annual Danny E. Bowers Memorial Tournament was a proud tribute to the man the tour-nament was named after. Danny was an avid golfer, which makes it fitting to host a golf tournament in his name every year. He was also a long-time mem-ber of the NC Air National Guard and a proud member of the military. This tourna-ment raises funds for schol-arships that are awarded through the NCNGA Educational Foundation. The scholarships are named in honor of Danny E. Bowers. The tournament would not have been a success without the help family, friends, players and sponsors to contribute and help in many different ways. Recipients of this year’s Danny E. Bowers Memorial Scholarship were Harley Davis, Eliza Green and Alannah Wagner.

10th Annual Danny E. Bowers

Memorial Tournament

Biltmore Tickets — Only $35 each**(Gate/Online prices - $49-$64)

Biltmore is delighted to offer members of NC National Guard Association a special discount on estate admission tickets. Biltmore is a unique 8,000-acre estate nestled in the scenic Blue Ridge Mountains of Western North Carolina. (Biltmore discount tickets are for NCNGA members and their families only.) **Does not apply to candle-light tour tickets. Discount tickets can be purchased by contacting Kathy Ford at the NCNGA — 1-800-821-6159 ext 2 or you can purchase the discounted tickets at http://www.biltmore.com/ncnga.

PLAY GOLF AND SUPPORT THE NCNGA EDUCATIONAL FOUNDATION

FORMAT: 18-Hole Captain’s ChoiceWHERE: Tanglewood Golf Club, Clemmons, NC 27012WHEN: Thursday, April 25, 2013 – Shotgun Start at 9:00 AMENTRY FEE: $65.00 (Make checks payable to NCNGA Educational Foundation, Inc.)DEADLINE FOR REGISTERING: All checks must be received by Monday, 2 April 2013TEAM PRIZES: 1st Place Team — 4th Place TeamMAIL TO: NCNGA Educational Foundation, Inc., 7410 Chapel Hill Road, Raleigh, NC 27607

The cost includes cart and green fee, all prizes (Longest Drive Front and Back Nine, Closest to the Hole All Par 3’s, Hole in One All Par 3’s, Putting Contest at Conclusion of Round, Door Prizes) and Driving Range prior to round. Mulligans may be purchased for $5.00 (3 for $10.00). Money from mulligans will be added to the donation s to the NCNGA Educational Foundation. Cost for Putting Contest is $10.00. Prize for Putting Contest is 50/50 split the pot on the cost, with the remainder also added to the donations to the NCNGA Educational Foundation.

You may put together your own team or sign up individually and I will place you on a team.

For additional information, contact Terry Westbrook at (919) 664-6393

Open to all golfers during the 52nd NCNGA Annual Convention in Winston-Salem, NC and their guests. All proceeds go to the NCNGA Educational Foundation. Check must accompany entry form. Convention attendance not required to enter tournament. Entry fee will be returned if tournament is cancelled due to rain.

If you would like to register as a team, all four entry forms must be submitted together with checks totaling $260.00.

Name ____________________________________

Address_______________________________________________________________

Phone: (home) _________________________ (work) _________________________

I declare myself physically able to compete in this event. I waive all rights for claims for injury or illness which may occur during this event.

Signature:__________________________ Date:_____________________

NCNGA Educational Foundation estimates the value for each entrant to be $45.00. Chari-table contributions are deductible only to the extent that they exceed the value of any goods and services received. Your cancelled check is acknowledgement of your contribu-tion.


Juanita H. SmithSpouse of

Clyde L. SmithLowell, NC

16 August 2011

Gisela EubanksSpouse of

Marvin W. EubanksWashington, NC

30 July 2012

Samuel T. GraggHudson, NC

18 August 2012

Joseph E. OrlandKannapolis, NC26 August 2012

Kevin JaimesDet 1 NCARNG RRB

Tarboro, NC7 September 2012

Listed below are members (and non-members), spouses and dependent children that have recently passed away. If we have missed someone, please contact the Editor, Teri Foster at [email protected] or 800-821-6159 ext 1.

In Memoriam

Kenneth M. Funderburke

Charlotte, NC9 September 2012

Bobbie L. MasseySpouse of

George R. Massey, Jr.Zebulon, NC

12 September 2012

Ernest A. EpleyMorganton, NC

22 September 2012

Thomas J. Butler IV*514th MP CoLeland, NC

1 October 2012

Donna Rae Johnson*514th MP CoRaeford, NC

1 October 2012

Jeremy F. Hardison*514th MP Co

Maysville, NC1 October 2012

Eddie N. ClarkApex, NC

2 October 2012

Bill E. HolbrooksStanfield, NC

4 October 2012

Michael R. SherrillStanley, NC

6 October 2012

Brenda DoresSpouse of

Haynes B. DoresMount Olive, NC10 October 2012

Amber D. BoltonHHC 105th EN BN (CBT)

Raeford, NC21 October 2012

Thomas W. Throneburg, Jr.

Mebane, NC21 October 2012

Stacy H. Bolton, Jr.Stedman, NC

23 October 2012

George P. VincentDenver, NC

24 October 2012

James A. BarwickMount Olive, NC25 October 2012

Bennie H. DealMorganton, NC27 October 2012

John F. Perkinson, Jr.Henderson, NC

1 November 2012

Carlee “Ray” Earnhardt, Jr.Raleigh, NC

3 November 2012

Talmage “Clem” Rowland

Hampstead, NC4 November 2012

Donte L. TatumSon of

Danny L. TatumEEE 113th SUS BDE

Greensboro, NC5 November 2012

Jason A. Smallwood881st EN CO FWD

Aulander, NC5 November 2012

*Killed in Action

A few of our members have been sending me information on their travels and when they stay at military lodging or

campgrounds. If there is somewhere you have been and would like to have it mentioned, please send them to me at [email protected]. “My wife and I have spent several Christmas’ at the Hale Koa on Ft DeRussy AFRC in Honolulu. The Hale Koa is located on Waikiki Beach. This is as fine a hotel as you will find, great location, good food, BX on-site and great room rates. Excellent en-tertainment is offered during the week at very modest prices. Past experience dictates making reservations months in advance especially dur-ing the Christmas season. If you are looking for more adventure the Kilauea Military Camp on the Big Island is a great place to stay. It is located on the Kilauea National Volcano Park. Small cabins dot the camp and are quiet nice. Just a short drive to see active volcanoes and great hiking trails. We have visited several

military bases state-side and all are staffed with very professional people who don’t hesitate to make your stay enjoyable.” — CW3 (Ret) Asa Russ Another member wrote to tell me about the Kennedy Space Center in Florida, which operates the Kennedy Athletic, Recreation, and Social (KARS) Park. The KARS Parks are operated and maintained by non-ap-propriated funds generated by the Exchange Stores, Child Development Center and KARS Park membership and facility usage fees. Until recently, KARS Park was only open to NASA employees and military assigned at the Kennedy Space Center, along with family and friends. However, they recently opened KARS Park to active duty and retired military personnel. Note that the KARS Park website still hasn’t been changed to mention military are eligible. KARS Park has numerous outdoor recreational facilities, including a RV Park and campground. There’s 104 RV sites that include water and electric. They also have 2 dump stations. You do need to purchase an annual KARS Park membership, which is only $15 a year. Another place to keep in mind, if you are planning a trip to Florida, is the Key West Naval Air Station in Key West. One of our members visited this location and said it was very nice and reasonably priced. For more information on military campgrounds, check out this site: http://www.militarycampgrounds.us/. Happy Travels!

Travel Suggestions from our Members:


Peer–to-peer lending, also known as social lend-ing, person-to-person lending or P2P, allows indi-viduals and small businesses to obtain unsecured loans from other persons. A fundamental compo-nent of P2P lending is the use of the Internet as a marketplace. Recent economic downturns caused financial institutions to be increasingly cautious about making loans. Through online P2P lend-ing, borrowers generally obtain loans that would otherwise be difficult or costly to obtain from traditional banks. Loan matchmakers on P2P lending websites, called “platforms,” connect those who need money (borrowers) with people looking for an investment (lenders). With an endless variety of loan structures, it’s difficult to generalize the risks. The P2P lending business model is still in its infancy and some borrowers may be unsea-soned businesses. Loans are unsecured, leaving investors no legal ability to pursue borrowers for loan default. The borrower typically is an individual or small business that posts a loan request with a brief narrative describing the anticipated use of the loaned funds.

Lenders review loan listings and choose specific borrower postings to bid on and fund. The platform may perform only a minimal check of the borrower’s credit information, income, bankruptcy records or claimed plans for the funds loaned. Peer-to-peer lenders make consumer loans and often issue securities, possibly making them eligible to be regulated by the U.S. Securities and Exchange Commission (SEC), state regulators or state banking regulators. The notes issued however, are not FDIC-insured, nor are they guaranteed by any federal or state agency. Default rates on P2P loans may be unusually high, exceeding 25% on some platforms. There may well be very good reasons why a bank would not lend to the borrower. Protect yourself! Be skeptical of investment opportunities on the Internet. Online newsletters, message boards and chat rooms are potential havens for scams. Do your homework, verify all information and only invest money you can afford to lose. When considering any investment, protect yourself from fraud by contacting the NC Securities Division at 919-733-3924 or 800-688-4507 for background and licensing information. One simple phone call could help you spot the red flags of fraud and avoid losing your money on a scam. Visit our website at www.sosnc.com to read more about Peer-to-Peer Lending and all our other great literature, including the new editions of the Financial Field Manual; The Personal Finance Guide For Military Families and Salute to Smart Investing.

What is Peer-to-Peer (P2P) Lending?By Barbara Bennett, Investor Education Specialist, NC Secretary of State Securities Division


Legacy Bridge Program

Last year, Active Associate Representa-tive Al Rose introduced a program that is designed to financially carry the

Association through our present fiscal transi-tion period. As we move from a system where we depended on our investments and insurance premiums to pay our Association’s expenses to one that will rely on new revenue sources to cover our budget, the Legacy Bridge Program will provide the interim funds to meet budget costs until the transition is complete. Our projection is that this should occur within 2-3 years, and as such it is a closed end program. The short-term plan is to use the income from the Legacy Bridge Program until our new revenue sources come on-line allowing us to insulate our investments so that they are allowed to grow over the long-term. At the end of 2-3 years, the new revenue sources, along with insurance premiums, will be our main in-come sources and the Legacy Bridge Program will close. Long-term, we hope to reach an invest-ment fund goal of $3 million. At that point, even at a modest 4%, the Association could survive indefinitely should our insurance and

NCNGA LEGACY BRIDGE PROGRAM DONATION

Name:

Mailing Address:

City: State: Zip:

Phone: ( ) NCNGA Life Member: Yes No

Unit: Rank:

E-Mail Address:

$100 Donation (Donations are not tax deductible)$25 Quarterly Installments _____ $100 Full Payment __________ Check _____ Money Order _____ Master Card/Visa (Add $2 credit card fee)Credit Card Information:Acct #__________________________________________ Exp Date: ___________ 3-digit Sec Code:__________ Signature: ____________________________________

Return Application & Payment To:

NCNGA ATTN: Legacy Bridge Program7410 Chapel Hill RoadRaleigh, NC 27607-5047

( ) I would like to make this donation in honor of ( ) in memory of ( )

new revenue sources take a hit during lean times. Please consider joining us in the Legacy Bridge Program. And, if you would like to remember or honor someone, please consider making a donation in their name. Take a few minutes to fill out the application and to write a check. Al and his team have started us in the right direc-tion. It is up to us now to make it happen. Questions? Please call us at 919-851-3390.

*As of press time

*Our Newest Members of the Legacy Bridge Program:

235. Ben D. Hudson236. Allen C. Unger237. John A. Varnum238. In Honor of CH (COL) (Ret) Ray K. Hodge


The Nominating & Credentials Committee is actively seeking qualified candidates to run for Executive Council seats. Upcoming vacancies for each major command will be filled at the next convention to be held 25-27 April 2013 at the Twin City Quarters in Winston-Salem, NC. Qualifications to run for office: you must be a member of the North Carolina National Guard Association and have served on an active committee within the past five years (except Junior Council members). If you are qualified (see above) and interested in being an important part of your Association, complete the application below and mail to the NCNGA. If you have any questions, please contact Teri Foster at the NCNGA 1-800-821-6159 ext 1 ([email protected]).

Indicate office you want to be considered for: ___ President (at large)___ Vice President (at large)___ 30th ABCT – Council Seat ___ 130th MEB – Two (2) Council Seats ___ 60th Troop Command – Two (2) Council Seats ___ JFHQ-NC – Council Seat ___ HQ 449th Theatre Avn Bde – Council Seat___ 139th Regiment (CA) – Two (2) Council Seats ___ HQ 113th Sustainment Bde – Council Seat___ Air National Guard – Council Seat___ Junior Council – Council Seat___ Associate Membership – Council Seat

Deadline for submitting applications: 1 April 2013

2013-2014Application for Nomination

Candidate for the Executive Council North Carolina National Guard Association

Name Home AddressCity State ZipHome Telephone No.Business Telephone No.UnitEmail address:

Attach a list of your current/past committeeand/or Executive Council involvement.

Help Your Association – Run for the NCNGA Executive Council!

Would you like to win this Stanley Tool Box?

Tickets are $2.00 each or 3 for $5.00 and can be purchased from any NCNGA Educational Foundation Board Member or by contacting Peggy Robinson at 1-800-821-6159 ext. 5.

The drawing will be held during the 2013 Convention in Winston-Salem.

NCNGA Educational Foundation Fundraiser Raffle The North Carolina National Guard Association Educational Foundation will have a raffle with the Grand Prize of $2,000 and a second prize of $100. Tickets are $2.00 each or 3 for $5.00 and can be purchased from any NCNGA Educational Foundation Board Member or by contacting Peggy Robinson at 1-800-821-6159 ext. 5.

The drawing will be held during the 2013 Convention in Winston-Salem. (Winner assumes all responsibility for local, state & federal taxes)


BALKH PROVINCE, Afghanistan – Camp John Pratt construction reached another mile-stone this week as the 875th Engineer Company (Horizontal) completed the large earthen din-ing facility pad and started excavation of the storm water retention pond. The storm water retention pond project will be essential to drainage of the 880-acre camp, which was recently dedicated and named after fallen US Chief Warrant Officer 5 John C. Pratt. The camp is purposed as an alternate retrograde staging area for troops and equipment leaving Afghanistan. The construction of Camp John Pratt retrograde facilities is currently the largest troop-based construction effort and ranks as the number one construction priority in Afghanistan. It has significant strategic importance as the 2014 International Security Assistance Force with-drawal deadline approaches. The 411th Engineer Brigade, known as Joint Task Force Empire, manages a joint engineer task force composed of Army and Air Force engineers to accomplish this expansive construction mission. The 875th falls under the direct operational control of Task Force Hurricane, a conglomeration of active, reserve, and National Guard engineer units led by members of the 841st Engineer Battalion out of Miami, FL. The 875th Engineer Company hit the ground running in Afghanistan and continued

A loader gathers base material used for roads and other infrastruc-ture at Camp John Pratt. Soldiers of the 875th Engineer Company work sunrise to sunset readying Camp John Pratt to serve as a major retrograde staging area in northern Afghanistan. (Photo by US Army Capt. William Dudley, Task Force Hurricane)

875th Engineer Company Makes a Dent in AfghanistanBy U.S. Army Capt. Kent Caldwell, 505th Engineer Battalion

cut and fill operations where the prior unit left off. The high sense of urgency continued as they transitioned to the storm water retention pond due to the approaching wet weather season. The equipment operators will move more than 675,000 cubic yards of earth in 60 days. The end result will make a large dent in the Afghanistan countryside approxi-mately 27 acres by an average of 15 feet deep. Capt. William Dudley, 875th Company Commander, acknowledges the challenges inherent in

the project. “The details of Camp John Pratt construction as an overall mission are very complex. The storm-water pond construction, as well as many of the other projects on this camp, allow for the opportunity for me to use all the military occupational specialties under my com-mand and develop each soldier’s job proficiency and leadership skills.”

Soldiers of the 875th Engineer Com-pany use scrapers to excavate a storm water drainage pond at Camp John Pratt. The camp will serve as a staging area for troop and equip-ment withdrawing from Afghanistan. (Photo by US Army Capt. William Dudley, Task Force Hurricane)


The 875th Engineer Company combat patch ceremony was held on Camp Marmal

on 19 October. The 875th is attached to the 841st Engineer Battalion while stationed in Afghanistan. The Soldiers of the 875th Engineer Company from North Wilkesboro and Lexington, NC were honored on 19 October 2012 when they were awarded the 130th Maneuver Enhancement Brigade (MEB) shoulder sleeve insignia as a "combat patch." The unit received this honor by serving under the 130th MEB for over 30 consecu-tive days in a deployed status. The 875th is currently stationed in northern Afghanistan conducting Engineer operations. The 875th is led by Commander CPT William M. Dudley from Concord, NC, and 1SG Ted A. Leonhardt from Dallas, NC.

SPC Reggie Shumate (guidon bearer) from Mulberry, NC and 841st CSM Paul Duros with the Marmal mountains as a back drop.

Members of the 875th maintenance team are shown (left and below) constructing a new facility to perform maintenance activities out of the weather and sun. Maintenance operations were being conducted in a open field when the unit arrived. The new area is called “Castle Compound.” The road leading to the new maintenance area will be named “Workhorse Way” in honor of the unit.

SGT Donald Brock repairs a roller at old maintenance site.

The 875th Engineer Company Field Maintenance Team has been working around the clock since arriving in Afghanistan on 15 August. They have brought equipment from 38% fully mission capable to 70% as of 25 September.

875th EN COSubmitted by SFC Willie N. Nethery, Operations NCO, 875th Engineer Company

Combat Patch Ceremony

PeriodicalsU. S. Postage

PAIDRaleigh, NC

Tarheel GuardsmanNC National Guard Assoc.7410 Chapel Hill Road Raleigh, NC 27607-5047

The Twin City Quarter is comprised of the

Marriott Hotel, Embassy Suites Hotel and Benton Convention Center —

all connected with a covered walkway, in beautiful, downtown Winston-Salem.

Make your reservations early!

Rooms are limited and the cut-off is

31 March 2013. (See NCNGA website

(www.ncnga.org) for registration and hotel information.)

Please plan to attend the 2013 Combined Event — 25 - 27 April 2013. See pages 6-7 for registration information.

Marriott — Room Rate $97 plus tax

1-800-320-0934

Embassy Suites — Room Rate $107 plus tax

1-800-696-6107

dec 2012 jan 2013

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