BOARD [CONTINUED FROM PAGE 15]

Guard, one Public Health Service, one NOAA, and five at-large (without regard to service affiliation).  Directors must be active duty, Reserve, National Guard, retired, or former uniformed service officers or surviving spouses and members of the association.  Directors hold office for six years.  Each director represents the total association and not a regional or ser- vice constituency.  The board directs and controls the business management and af- fairs of the association and has the authority to approve contracts, incur liabilities, expend funds, and attend to other association matters. There are no grade or other limita- tions on the number of officers who may serve as directors at any one time. Efforts are made to obtain the best- qualified members from within the membership of the association.

Service on the board Directors serve one six-year term and discharge their governance responsibilities primarily by partici- pating in the three board meetings convened each year. Each board meeting includes meetings of the various standing committees and re- quires about one-and-a-half days, not including travel. A director should be able to de-

vote two to three weeks each year to MOAA matters, including travel, board and committee meetings, and participation in other events such as the annual Council Presidents’ Seminar, regional chapter leaders’ symposia, and individual visits to councils and chapters. A director must refrain from activi-

ties that could reasonably be viewed as conflicting with or possibly influenc- ing the director’s judgment regarding his or her responsibilities to MOAA. Directors receive no compensation, but they are reimbursed for MOAA- related travel, lodging, and meals.

MO 18 MILITARY OFFICER FEBRUARY 2016 yourviews

uses the modified adjusted gross income (MAGI) from the most re- cent tax year that is available. The MAGI reflects both adjusted gross income and tax-exempt interest income. The difference can be non- trivial for many of our members. … 2. In Financial Forum, “Taxes and

Income,” [Lt. Col. Shane Ostrom, USAF (Ret), suggests] “To reduce taxes … reduce Social Security an- nual income by taking your bene- fits at age 62; don’t work.” True, either approach to lowering your income will reduce your taxes, but neither represents a sound finan- cial-planning strategy under most, if not all circumstances. —Capt.Michael Feeley, USN(Ret) via email

[“11 Investing Lessons,” December 2015, by Lt. Col. Shane Ostrom, USAF (Ret),] was spot on! Having been around for seven decades and with 50 years’ experience in stock market and real estate investments, I can attest to the validity of the points he makes. Yes, “slow and steady” — along with some self-discipline — wins the race. … Ostrom is definitely a keeper; I always look forward to his submissions. MOAA is fortu- nate to have him as a contributor. — Col. Vincent M. Levitsky, USMCR (Ret) Wallace, N.C.

The Game The “Navy football player” in the photo that opened [“America’s Game,” December 2015] … is no less than Keenan Reynolds, [the U.S. Naval Academy’s] starting quarterback for the last three and a half years who is tied for the all-time lead in touchdowns in

college football, has set the record for rushing touchdowns in college football, [has] surpassed Napoleon McCallum as the all-time rushing leader in Navy football history, and has just set the record for touchdown passes in Navy football history. —Lt. j.g. Gary Knight, USN(Ret) LifeMember via email

Seeing Joe Bellino’s [U.S. Military Academy, West Point, N.Y. ] bathrobe really brought back memories, as Joe was a first classman my plebe year at the Naval Academy. My own West Point bathrobe, won in the 1960 game (Navy 17-Army 12), bit the dust in some move years ago. This past summer, though, I found that the good folks at West Point were happy to sell me a new Army bathrobe, made by the Cadet Uniform Factory, a DoD establishment I didn’t know existed. —Lt. Cmdr. James B. Craven III, USN(Ret) via email

I enjoy reading the monthly magazine and, in particular, this month’s Army-Navy football feature. But I have to admit that I couldn’t believe that any article about Army football did not have some reference to two of the most famous Army players, namely “Doc” Blanchard and Glenn Davis. Not a big deal, I guess, unless

you’re 80 years old and one of your fondest memories is your dad taking you to West Point to watch Doc Blanchard and Glenn Davis play football. —FormerNavy Lt. j.g. Hal Danzis High Point, N.C.

For submission information, see page 6.