Morale, Welfare & Recreation

Financial Readiness

America Saves Week

21-28 Feb. 2010

"Build Wealth Not Debt...START SMALL, THINK BIG"

Take the Pledge. www.americasaves.org

POC: Ms. Gwen McCarthy 586.282.0480/586-282-0482

National Consumer Protection Week

7-13 March 2010:

"DOLLARS & SENSE"

http://consumer.gov/ncpw/

POC: Ms. Gwen McCarthy 586.282.0480/586-282-0482

Our Mission: The Financial Readiness Program supports Commanders in maintaining unit financial readiness to sustain deployments. We also counsel and educate service members and families on financial self-sufficiency.

Service Eligibility: Our services are available to active duty, retired, and reserve service members from all branches of the armed forces, their eligible family members, and Department of Defense civilian employees.

Location: We are located at the Detroit Arsenal, Building 230, Room 1260, Warren, Michigan 48397.

To Contact our Agency: We can be reached by telephoning (586) 282-0482. It is highly recommended you call for an appointment, to ensure you are eligible for services and a counselor is readily available to assist you with the following programs.

If you desire additional information please feel free to contact the Personal Financial Readiness Program Manager via the Internet at Financial Readiness.

Educational training programs are developed to assist individuals in gaining knowledge during the five life cycle stages and relate financial tasks to these stages in order to plan for financial security.
Stage 1	A time when individuals are just starting out on their own (their first real job, graduation from high school or off to college, their own apartment, a car)
Stage 2	The household and job are somewhat established. Added responsibilities are beginning to occur; marriage, arrival of children, obtaining credit (department store credit cards, used/new automobile loan), and insurance options (auto, life, renters, and home).
Stage 3	The household has acquired some maturity and money management skills. Individuals are feeling a need to plan for the future (children’s college, property taxes, investments, retirement plans, and wills)
Stage 4	Generally, the children have all left the home, families are making maximum dollars with a strong emphasis on maximizing savings, investments, protecting their assets, changing their lifestyles, and determining future housing needs.
Stage 5	The household is experienced in the “game of life” and can adapt plans or changes as needed. Important consideration is being placed on extended illness, potential death of a spouse, retirement, converting investments, adjusting lifestyle to a fixed income, and health care costs

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