The Financial Readiness Program helps educate service members about personal financial management. Consumer assistance is offered in cases involving conflict with local businesses. In all cases, counseling is provided on an individual and confidential basis
VIRTUAL FINANCIAL LUNCH & LEARN
with Leary
Dates: Wednesday - Friday
Time: Noon - 1 p.m.Login and listen to our Financial Readiness Program Counselors, Leary, as he hosts dynamic discussions of current events, financial topics, take your requests and questions, and engage the audience. This is an opportunity to listen in as your schedule allows.
May Lunch & Learn Topics below.
Registration is not required and all classes are free!
Week 1
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Fri, May 1 - Saving and Investing: This seminar will identify reasons to save and how to set goals for a savings plan. Participants will explore the difference between short-term savings and long-term investments.
Week 2
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Wed, May 6 - Thrift Savings Plan (TSP): This seminar provides an overview of the Thrift Savings Plan (TSP). We will discuss Enrollment, Participation, Contributions, Roth TSP, Investment Funds and Withdrawal Options. We will also highlight important considerations for retirement planning and will provide other valuable resources.
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Thu, May 7 - Home Sweet Home: A house is one of the most complicated and expensive purchases you will ever make. This presentation provides an overview of the home buying and mortgage process.
Topics include:
- Determining Whether the Time is Right to Purchase A Home
- Determining What You Can Afford
- Choosing A Lender and Loan
- Selecting A Real Estate Agent
- Negotiating
- Closing the Deal -
Fri, May 8 - Planning Your Finances for the Next Big Event: Seminar will provide strategies to help you financially plan for a major event or for the next big holiday.
Week 3
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Wed, May 13 - Building Strong Credit: This seminar discusses the information found on a credit report - what it is used for, and how it can affect you financially. Learn about the three major credit reporting agencies and what they do with your information. Recognize which factors usually increase your credit risk in the eyes of these reporting agencies.
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Thu, May 14 - How to Reduce Your Spending: Join us to explore a variety of options to reduce the amount of money you spend to cover your priority expenses and how to reach your spending goals. You will learn how to determine your current spending habits, identify your ideal spend plan, and walk away with a variety of suggestions to consider as you look to reduce spending in lower priority categories.
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Fri, May 15 - Strategies of Paying Off Debt: This seminar is designed to teach strategies for paying off debt and work towards achieving your financial freedom.
Week 4
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Wed, May 20 - VA Home Loan Process: Join us for an informative session designed to demystify VA Home Loans and help eligible service members, veterans, and their families make confident, informed homebuying decisions.
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Thu, May 21 - Emergency Financial Preparedness: This workshop will be an open discussion.
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Fri, May 22 - Permanent Change of Station: A PCS assignment presents exciting opportunities but can also come with some financial challenges. This seminar increases awareness to the financial support that is available to service members and their families who have received a new assignment.
Week 5
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Wed, May 27 - Financial Planning for Transition Pt 1: This workshop will provide you with an understanding of how transition will affect your financial situation through discussion of income, debt, expenses, and assets.
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Thu, May 28 - Financial Planning for Transition Pt 2: This workshop will provide you with an understanding of how transition will affect your financial situation through discussion of income, debt, expenses, and assets.
- Fri, May 29 - Developing A Budget: This seminar focuses on how to create a realistic budget, the benefits of budgeting and budgeting tools to help you achieve your financial goals.
June Lunch & Learn Topics below.
Registration is not required and all classes are free!
Week 1
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Wed, Jun 3 - Social Security: This seminar provides answers to your Social Security questions such as:
- When am I eligible to receive retirement benefits?
- How does early retirement affect my benefits?
- Do I qualify for disability, survivors, or spousal benefits?
- How do you get the most from your benefit?
- What is the future of Social Security?
- When should I file for Medicare -
Thu, Jun 4 - Understanding Credit Cards: In this seminar we will discuss how using credit cards wisely can benefit participants as well as the risks associated with having a credit card. We will provide tips on reducing credit card debt and understanding credit reports.
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Fri, Jun 5 - Understanding Credit Reports and Scores: This seminar discusses the information found on a credit report - what it is used for, and how it can affect you financially. Learn about the three major credit reporting agencies and what they do with your information. Recognize which factors usually increase your credit risk in the eyes of these reporting agencies.
Week 2
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Wed, Jun 10 - Home Buying: A house is one of the most complicated and expensive purchases you will ever make. This presentation provides an overview of the home buying and mortgage process.
Topics include:
- Determining Whether the Time is Right to Purchase A Home
- Determining What You Can Afford
- Choosing A Lender and Loan
- Selecting A Real Estate Agent
- Negotiating
- Closing the Deal -
Thu, Jun 11 - Home Buying - Mortgage Process: This seminar will discuss how to choose mortgage lenders when buying a home. We will share information about mortgages and discuss which lenders and banks offer the best home mortgage loans and interest rates.
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Fri, Jun 12 - Home Selling: This seminar covers everything from staging to settlement. Learn to prepare and stage your home, gather the necessary documents and understand the process from hanging the "For Sale" sign to settlement day!
Week 3
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Wed, Jun 17 - Military Pay: In this seminar we will discuss military pay issues and how to resolve them.
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Thu, Jun 18 - Vesting in the TSP: We will discuss vesting in the Thrift Savings Plan (TSP). Topics will focus on: Saving for Retirement, an Overview of the Blended Retirement System (BRS) and Understanding the Purpose of TSP.
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Fri, Jun 19 - Juneteenth - Federal Holiday, no meeting.
Week 4
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Wed, Jun 24 - Money Smart for Older Adults: Learn ways to identify and prevent scammers from gaining access to your finances as well as what to do if you fall victim to a scam.
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Thu, Jun 25 - Finance and Promotions: In this seminar, we will review your finances to help set you up for a successful and prosperous future. We will cover four main topics: Financial Planning, Saving for Retirement, Career Investment Programs and Financial Resources.
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Fri, Jun 26 - Car Buying: Purchasing a car can be a difficult and frustrating process. This seminar will teach you how to negotiate with dealers for the best price and explore how you can save hundreds, if not thousands of dollars on your next vehicle purchase! In addition, discussion will help you determine how much car you can afford.
Sign-in using the MS Teams link below at least 5 minutes prior to the start time.
Registration is not required. If you're not already a member, you will need to download Microsoft Teams (MT) and join using your browser.
