Narfe - NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;

 
 NARFE National Headquarters, Alexandria, Virginia. 14,096 likes · 136 talking about this · 38 were here. As the only organization solely dedicated to the general welfare of all federal workers and... . Lax to belize

NARFE National Active and Retired Federal Employees Association 606 N. Washington St. Alexandria, VA 22314NARFE chapters unite federal employees, retirees, their spouses, and surviving spouses and provide an opportunity to connect with fellow Feds, get involved in leadership and …NARFE, one of America’s oldest and largest associations, was founded in 1921 with the mission of protecting the earned rights and benefits of America’s active and retired federal workers.The largest federal employee/ retiree organization, NARFE represents the retirement interests of nearly 5 million current and future federal annuitants, spouses, … NARFE is a national organization that represents and advocates for the interests of federal retirees and active employees. It provides news, resources, and services on federal pay, benefits, health care, retirement, and more. Join our team! For 100 years, NARFE has been leading the charge to protect the federal community's pay and benefits. More than that, NARFE has been a primary source for the federal community to better understand their benefits and financial future. We help approximately 175,000 members throughout the country; we help to keep this nation running.Chapter Name. Dupage Lombard. Chapter State. IL. Chapter Number. 1771. Chapter Website. https://www.narfe.net/site/chapter1771/ Chapter Annual Dues. 10About NARFE. The National Active and Retired Federal Employees Association (NARFE) is dedicated to protecting and enhancing the earned pay, retirement and health care benefits of federal employees, retirees and their survivors. Founded in 1921, NARFE's legacy spans more than 90 years - working tirelessly in support of our members before ...NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;Welcome to Chapter 2365 Lone Star State, TX. This may be the perfect chapter for active federal employees and retirees who cannot or don't wish to attend traditional meetings. We conduct our biennial election through the USPS. The newly elected officers are installed at the Texas Federation Conference where we hold our biennial meeting. If ...Tel: 757-404-3880. Email: [email protected]. NARFE Magazine (ISSN 1948-4453) is published monthly except in February and July by the National Active and Retired Federal Employees Association (NARFE ...This website is designed to assist Federal employees and retirees living in Ohio, as well as their dependent (s). Information found here will assist you with FEHBP (healthcare) issues, COLAs, retirement/pre-retirement webinars, and most important is Advocacy affecting the Federal community. We, the Ohio federation of NARFE, is the state's local ...NARFE South Dakota Federation. Welcome to the South Dakota NARFE Federation Website! If this is your first visit to our website, a sincere welcome!! If you have heard about NARFE before, we encourage you to browse through our website and, hopefully, join us in the continuous battle to protect our benefits (COLAs, annuities, TSP benefits, tax ...Rising Inflation Shows Value of Annual Cost-of-Living Adjustments. NARFE National President William Shackelford issued a statement upon the release of the 2024 cost-of-living (COLA) announcement for federal retirement annuities and Social Security benefits, which is determined pursuant to data calculated by the Bureau of Labor Statistics.Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the Member Portal; …NARFE and its allies continue to make considerable progress in our ongoing efforts to repeal the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). …Routing #: 254075438. FEDSTAR ONLINE BANKING LOGIN. It's our birthday, and you're invited! We just turned 89, and we’re going to party hearty - right up to our big 9-0 with weekly winners and a grand prize of $1,935! Click here to learn about our Birthday Bash Extravaganza Sweepstakes. Rev up the Rewards!For NARFE members, the registration fee is $175 through May 17; $200 from May 18-August 7; and $3250 onsite. For non-members, the fee is $235 through May 17; $260 from May 18-August 7; and $310 onsite. Once logged in, the NARFE portal will select the appropriate price based on your membership status and the timing of your registration.Chapter Name. San Francisco. Chapter State. CA. Chapter Number. 0065. Chapter Website. https://www.narfe.org/chapter0065/ Chapter Annual Dues. 12. Meeting PlaceNARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;FEDHub is NARFE's online community for active and retired federal employees. Members can connect to share advice, solve challenges and develop new approaches. Learn More.NARFE Magazine (ISSN 1948-4453) is published monthly except in February and July by the National Active and Retired Federal Employees Association (NARFE), 606 N. Washington St., Alexandria, VA 22314. Periodicals postage paid at Alexandria, VA, and additional mailing offices. Members: Annual dues includes subscription.Issue Briefs. These documents are the NARFE stance on the issues of the day. These are meant to be distributed to legislators and their staff. NARFE's Legislative Priorities for the 118th Congress (2023-2024) The Social Security Offsets — WEP and GPO. More Accurate COLAs for Seniors. Federal Employees Health Benefits Program.The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.The "debt limit" or "debt ceiling" refers to the limit imposed by law on the amount of national debt that the U.S. government can have outstanding. The federal government borrows money and accrues debt to pay its bills when it spends more than it takes in through taxes and other revenue measures. The U.S. Treasury issues debt by ...NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;NARFE National Active and Retired Federal Employees Association 606 N. Washington St. Alexandria, VA 22314The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.NARFE's premier conference, FEDcon22, is returning in person on August 21-23, 2022, at the Westin Kierland Resort & Spa in Scottsdale, AZ. Get ready for a lively program with thought-provoking speakers, leadership training, intensive education on federal benefits and financial planning, and opportunities to connect with fellow NARFE members and federal colleagues.May 20, 2021 · Chapter 969 – St. Mary’s County, Maryland. Meets – Olde Breton Inn, Leonardtown, 3rd Friday at 12:00 PM, March – December; except January and February. Dues – $5. Chapter 969 website. Chapter 969 on Facebook. Media Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the Member Portal; …NARFE provides expert guidance on federal benefits issues directly affecting current and former federal employees, as well as tips and tools to help ensure a safe and secure retirement for the federal community. Webinars are …NARFE is an advocate for both active and retired federal employees before Congress and the White House. NARFE sponsors and supports legislation to protect the earned …NARFE’S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE’s Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;Advocacy. Since NARFE’s founding in 1921, the association’s mission has been to defend and advance the earned pay and benefits of America’s civil servants. Today, NARFE’s team of professional lobbyists continues to work tirelessly on behalf of the federal community. Supported by grassroots activists, NARFE is a leading voice in ...NARFE. December 22, 2019. Alexandria, Va. (November 15, 2018) Kathryn Hensley of Lexington, South Carolina, has been elected the 2018-2020 NARFE National Secretary/Treasurer. Her term begins November 1. In this role, Hensley is responsible for providing strategic oversight to the finances of the organization and guidance on governance issues.Mar 25, 2024 · this publisher. NARFE. Alexandria, United States. https://www.narfe.org. As the only organization solely dedicated to the general welfare of all federal workers and retirees, NARFE delivers ... NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;NARFE Headquarters. 606 N. Washington St. Alexandria VA, 22314-1914. Phone: 703.838.7760. Fax: 703.838.7785. Toll Free: 1-800-456-8410. Press 1 for Membership and Dues Payments. Press 2 for Federal Benefits Expert. Press 3 for Legislative Matters.NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;Home | About Us | Contact Us | Album | NARFE National. This is the official website of a National Active and Retired Federal Employees chapter or federation. Opinions and/or positions that appear on this site bearing the NARFE name, or seal are not necessarily those of NARFE's national organization.Home | About Us | Contact Us | Album | NARFE National. This is the official website of a National Active and Retired Federal Employees chapter or federation. Opinions and/or positions that appear on this site bearing the NARFE name, or seal are not necessarily those of NARFE's national organization.Option A ($10,000) has a monthly premium of $13.00 per month from age 60 until retirement (less expensive at younger ages). Once retired, Option A is free after age 65 and the coverage reduces to $2,500 at the rate of 2 percent per month. Option B (multiples of your final salary rate) and Option C (family coverage) may continue in retirement at ... The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. Applies to those turning 701⁄2 after January 1, 2020. Required Beginning Date (RBD) remains the same. April 1 following the year you turn 72 (or retire if later) Old rules created some confusion for first RMD. Age 70 vs age 71. 80% take more than required. Qualified Charitable Distributions (QCD) still permitted at age 70 1⁄2. The National Active and Retired Federal Employees (NARFE) Association, St. Mary’s Chapter 0969 is here to help keep you informed on upcoming Federal and State legislation and changes that may affect your earned pay, annuity, rights and benefits. We assist members with questions relating to retirement, FEGLI, FEHB, Social Security, Medicare ... Site will be available soon. Thank you for your patience!Tel: 757-404-3880. Email: [email protected]. NARFE Magazine (ISSN 1948-4453) is published monthly except in February and July by the National Active and Retired Federal Employees Association (NARFE ...Click here for Statement: NARFE IS NON-PARTISAN. "When you are speaking for NARFE, about NARFE, with NARFE, to NARFE—bi-partisanship is a creed we must live by or die by!!!" Click here for Federal Legislators 2023-2024. Click here for List of Minnesota Legislators 2023-2024 . Click here for Letter to the Editor re MN taxes on CSRS pensions.Membership Applications. Visit NARFE's forms page to download: NARFE membership application. NARFE life membership brochure. NARFE gift membership application. Plus find information about dues withholding for new and current NARFE members. Download forms.For nearly a century, NARFE has been a trusted source of knowledge for the federal community, Capitol Hill, the executive branch and the media. NARFE: The Association for Federal Employees and ...A: The National Active and Retired Federal Employees Association (NARFE) has been protecting and improving the earned benefits of federal employees, retirees and their families since 1921. NARFE is an advocate for both active and retired federal employees before Congress and the White House. NARFE sponsors and supports legislation to protect ...NARFE National Active and Retired Federal Employees Association 606 N. Washington St. Alexandria, VA 22314NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;A: Navigate to your profile and click on the "My Account" tab. Choose "Community Notifications" from the drop-down menu. On that page, you can view and control your subscription options. For each discussion, you have the following delivery options: Real time: sends an email every time a new message is posted.A: Navigate to your profile and click on the "My Account" tab. Choose "Community Notifications" from the drop-down menu. On that page, you can view and control your subscription options. For each discussion, you have the following delivery options: Real time: sends an email every time a new message is posted.NARFE’S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE’s Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;NARFE NewsLine, our weekly email newsletter, delivers breaking and key federal benefits news and information from NARFE and media sources around the country. NARFE Daily News Clips features breaking news and informative articles from various outlets curated just for NARFE members, as well as NARFE media statements, op-eds and more. ...The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. View and edit your contact profile, address, contact information, and provide demographic information about yourself.Chapter Name. Brentwood. Chapter State. VA. Chapter Number. 1697. Chapter Website. https://vanarfe.org/Chapter-1697/ Chapter Annual Dues. 10FEDcon24. JOIN US August 18-20, 2024 in St. Louis, Missouri, for FEDcon24, NARFE's biennial national training conference. The effort to advance NARFE's mission starts with you. Gain the knowledge necessary to LEARN how to make the most of your benefits, ADVOCATE to protect those earned benefits, and LEAD the organization that defends them ...Larry Walton is the NARFE Region 2 Vice President and lives in Berlin, Maryland (States ,Delaware ,District of Columbia , Maryland, New Jersey and Pennsylvania) Mr. Walton joined NARFE while still being an active employee, working at DOD (Department of Defense) known as NSA ( National Security Agency). As a federal employee, he worked at DOD ...About NARFE. As the only organization solely dedicated to the general welfare of all federal workers and retirees, NARFE delivers valuable guidance, timely resources and powerful advocacy. For more than a century, NARFE, or the National Active and Retired Federal Employees Association, has been a trusted source of knowledge for the federal ...This information reflects Thrift Savings Plan funds performance results through February 29, 2024. Continuing a trend of recent months, the U.S. economy experienced strong employment growth coupled with elevated inflation. These economic conditions, along with published comments from several Federal Reserve officials, led many investors to ...The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees.To find a list of chapters in Texas, log into NARFE at www.narfe.org then click on the tab "Find Local Chapter". The following screen lets you search by state (use "TX"), a particular zip code, or any portion of chapter number and chapter name registered at NARFE. All chapters that match will be displayed with number and name, plus ...NARFE. December 22, 2019. Alexandria, Va. (November 15, 2018) Kathryn Hensley of Lexington, South Carolina, has been elected the 2018-2020 NARFE National Secretary/Treasurer. Her term begins November 1. In this role, Hensley is responsible for providing strategic oversight to the finances of the organization and guidance on governance issues.The Republican Study Committee (RSC), a group made up of more than 150 lawmakers in the House of Representatives, released its fiscal year 2024 (FY24) budget proposal titled "Protecting America's Economic Security.". Contained within the proposal are significant cuts to the earned pay and benefits of federal workers and retirees, along ...NARFE provides expert guidance on federal benefits issues directly affecting current and former federal employees, as well as tips and tools to help ensure a safe and secure retirement for the federal community. Webinars are free to NARFE members; you must log in to get member pricing. If you need assistance logging in, please email ...Chapter Name. San Francisco. Chapter State. CA. Chapter Number. 0065. Chapter Website. https://www.narfe.org/chapter0065/ Chapter Annual Dues. 12. Meeting PlaceMedia Statements From NARFE; NARFE Magazine; All News From NARFE; About NARFE. View All; About NARFE; About the Federal Community; NARFE Leadership; Careers; ShopNARFE; NARFE Sponsorship and Advertising Opportunities; For Members. View All; 2024 NARFE National Election; Download or Order Forms; Log In to the Member Portal; …The Maryland Federation of NARFE. Call to In-Person Federation Board Meeting & Town Hall with U.S. Senatorial Candidates . Information for Election 2023. 2023 NARFE Maryland Biennial. 2023 Paul Schwartz testimony before Ways & Means: Income Tax Credit Long-Term Care HB 1185, Budget & Taxation: Retirement Tax Elimination Act of SB 461 ...NARFE National will have an election for National President, Secretary-Treasurer and Region Vice President in August after the NARFE convention. The PA Federation will be electing new officers for President, 1st Vice President (membership), 2nd Vice President (Legislative), Secretary, and Treasurer in 2024. Please consider volunteering or ...About NARFE. The National Active and Retired Federal Employees Association (NARFE) is dedicated to protecting and enhancing the earned pay, retirement and health care benefits of federal employees, retirees and their survivors. Founded in 1921, NARFE's legacy spans more than 90 years - working tirelessly in support of our members before ...NARFE: The Association for Federal Employees and Retirees | 1,432 followers on LinkedIn. Federal Benefits Experts | As the only organization solely dedicated to the general …A: Per the Internal Revenue Code (IRC), you must begin receiving distributions from your account in the calendar year you become age 72 and are separated from federal service. Your entire TSP account - both traditional and Roth - is subject to these RMDs. RMDs are calculated using your age, your prior year-end account balance and the IRS ...For more information, please contact the advocacy department at [email protected]. FEDERAL EMPLOYEES HEALTH BENEFITS PROGRAM The Federal Employees Health Benefits (FEHB) program, created by the Federal Employees Health Benefits Act of 1959 (P.L. 86-382), has been in existence for more than 50 years.Not a Member. The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. View and edit your contact profile, address, contact information, and provide demographic information about yourself. South Jersey Shore Chapter 1664. Monthly Meeting 3rd Thursday @01:00 Shore Diner. GSP Exit 36, 6710 Tilton Rd, Egg Harbor Twp, NJ 08234. Lunch is from the Early Bird Menu and averages around $20 - $24 tip and tax excluded. Salad, entree, desert, and beverage are included. NARFE PASSES MAJOR MILESTONE IN ALZHEIMZER'S DONATIONS Breaking news from National President Bill Shakelford during NEB meeting on Mar 21: "By raising more than $16 million to date for the Alzheimer's Association, NARFE has funded critial research toward treatment, prevention and, ultimately, a cure for Alzheimer's and all other dementia while also providing vital funding for our care and ... The close of the first grassroots benchmarks quarter marks a period of exceptional advocacy by NARFE members, who have tirelessly taken action for key issues such as repealing WEP/GPO, advocating for equal COLAs, and promoting a merit-based civil service system, among other NARFE priorities.Each enrollee will have different options for altering their coverage, and may discuss those options with Long Term Care Partners at 1-800-LTC-FEDS (1-800-582-3337) or LTCFEDS.com (TTY: 1-800-843-3557). The decision period for enrollees to either accept the premium increase or change their coverage begins September 11, 2023, and runs …The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. FEDcon24. JOIN US August 18-20, 2024 in St. Louis, Missouri, for FEDcon24, NARFE’s biennial national training conference. The effort to advance NARFE’s mission starts with you. Gain the knowledge necessary to LEARN how to make the most of your benefits, ADVOCATE to protect those earned benefits, and LEAD the organization that defends them ...

NARFE is the only organization strictly for all Federal employees, both active and retired. NARFE's mission, which fights for you everyday, is to protect the rights and earned benefits of all Federal employees. NARFE's sole purpose is to protect you, the Federal employee, so won't you join to have your voice heard on all matters involving .... Flights from lax to las vegas nevada

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NARFE’s award-winning monthly magazine for active and retired federal employees gives current information about legislative issues that affect you, an in-depth look at federal benefits and financial planning topics, questions and answers, career issues and more. In every issue, you will receive: Accurate reporting and analysis of legislation ... NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. View and edit your contact profile, address, contact information, and provide demographic information about yourself.NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;Fiscal Year 2024 Funding Enacted, Shutdown Averted. The final government spending deal was signed into law by President Biden Saturday March 23. The House passed the bill 286-134 vote and was cleared by the Senate 74-24. This final package provides $1.2 trillion in government funding, covering the remaining half of the 12 annual spending bills ...Featured Post. Please login to see all eligible discussion postings. Either the content you're seeking doesn't exist or it requires proper authentication before viewing.Marshall Richards. Richards represents NARFE Region VI, which includes Texas, Arkansas, Louisiana, Oklahoma and the Republic of Panama. He was elected Regional Vice President in 2014. Richards has extensive NARFE experience. He is the former president and executive vice president of the Texas Federation and served the Longview Chapter 0801 as ... Not a Member. The National Active and Retired Federal Employees Association (NARFE) is the only organization solely dedicated to protecting and preserving the pay and benefits of all federal workers and retirees. NARFE'S Advocacy Positions Submission Form for the 119th Congress (2025-2026) NARFE's Shutdown Resources; Take Action; Advocacy Update; Issue Briefs and Fact Sheets; NARFE-PAC; Federal Benefits Institute. View All; About the Federal Benefits Institute; NARFE Webinars; NARFE Webinar Archive;A: According to the Office of Personnel Management (OPM), if the net amount of your annuity ever changes, OPM will mail you a Notice of Annuity Adjustment explaining the change. Annual adjustments that typically affect your net deposit include COLAs effective December 1 (reflected in the annuity payment received in early January) and changes in ...Apr 20, 2023 · The National Active and Retired Federal Employees Association (NARFE) is dedicated to protecting and enhancing the earned pay, retirement and health care benefits of federal employees, retirees and their survivors. Founded in 1921, NARFE‘s legacy spans more than 90 years – working tirelessly in support of our members before Office of ... The SECURE Act: A Retirement & Estate Planning Game Changer Webinar. In this webinar recorded July 30, 2020, NARFE federal benefits expert Mark Keen explains changes in inheritance rules for retirement plans and how you may want to reevaluate your retirement and estate planning strategies. The NARFE Federal Benefits Institute is a members-only resource designed to help NARFE members take charge of their federal benefits and guarantee a secure future. For a limited time, this exclusive content is available in a sneak preview to everyone to celebrate NARFE's 100th anniversary serving the federal community. Benefits Briefs. NARFE's Benefits Briefs were developed specifically to address the many inquiries from current and retired Feds who need more information about the complex processes and regulations surrounding these topics. These short, instructive articles - none more than two pages - provide the basics to help you on your way..

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