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AND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. HOW TO SPOT THE RED FLAGS OF FRAUD How to Spot the Red Flags of Fraud. Investment fraud criminals use a wide array of sophisticated and highly effective tactics to target and influence prospective victims. The truth is you encounter these tactics every day; they are used by legitimate businesses, in retail stores and in advertisements. Learning to recognize these tactics can MILITARY FINANCIAL EDUCATORS: FREE CREDIT SCORE ANALYSIS The FINRA Foundation makes FICO ® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. Step-by-Step Instructions to Authorize Use of Credit Score AnalysisTool.
MONEY MATH FOR TEENS 4 The Benefits of Having a Good Credit Score 00 Lower interest rates: Car loans, credit cards and other credit products for a variety of borrowers. 00 Renting: Landlords often pull prospective tenants’ credit reports to see if they are financially responsible. 00 Job opportunities: Many employers use a credit report to learn more about prospective employees. TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. HOW TO SPOT THE RED FLAGS OF FRAUD How to Spot the Red Flags of Fraud. Investment fraud criminals use a wide array of sophisticated and highly effective tactics to target and influence prospective victims. The truth is you encounter these tactics every day; they are used by legitimate businesses, in retail stores and in advertisements. Learning to recognize these tactics can MILITARY FINANCIAL EDUCATORS: FREE CREDIT SCORE ANALYSIS The FINRA Foundation makes FICO ® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. Step-by-Step Instructions to Authorize Use of Credit Score AnalysisTool.
MONEY MATH FOR TEENS 4 The Benefits of Having a Good Credit Score 00 Lower interest rates: Car loans, credit cards and other credit products for a variety of borrowers. 00 Renting: Landlords often pull prospective tenants’ credit reports to see if they are financially responsible. 00 Job opportunities: Many employers use a credit report to learn more about prospective employees. TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month.SAVE AND INVEST
A new documentary that reveals our natural behavioral biases—and provides innovative solutions to get us on the path to financial security. Look up a brokerage firm or individual broker in BrokerCheck. It’s a free tool to help investors research the backgrounds of investment professionals and firms. Learn first-handabout the types of
FREE CREDIT SCORE AND ANALYSIS TOOL Military financial educators and counselors, please initiate the registration process for your clients by clicking on this button. Please review the step-by-step instructions for details on how to obtain FICO credit reports.. Users who already have been granted access to the tool by a military financial professional, please click on this button to view your FICO credit score and report (good VIDEOS | SAVE AND INVEST More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. HOW TO SPOT THE RED FLAGS OF FRAUD How to Spot the Red Flags of Fraud. Investment fraud criminals use a wide array of sophisticated and highly effective tactics to target and influence prospective victims. The truth is you encounter these tactics every day; they are used by legitimate businesses, in retail stores and in advertisements. Learning to recognize these tactics can REPORTING INVESTMENT FRAUD Reporting Investment Fraud. Investment fraud refers to a wide range of deceptive practices that scammers use to induce investors to make investing decisions. These practices can include untrue or misleading information or fictitious opportunities. Investment fraud may involve stocks, bonds, notes, commodities, currency or even real estate. RESOURCES FOR MILITARY FINANCIAL EDUCATORS The FINRA Foundation makes FICO® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. RETIREMENT SAVINGS FOR SPOUSES If you work for an employer that offers a 401 (k), 403 (b), 457 or other retirement-savings plan, you can contribute the full amount—$19,500 in 2021, plus an extra $6,500 if you're 50 or older—even if your spouse contributes the maximum to the Thrift Savings Plan (TSP). All of these retirement-savings plans can lower your taxable income now DIG YOURSELF OUT OF DEBT Visit NFCC.org or call (800) 388-2227. Pay your high interest rate debt first. Work on paying down the credit card or loan that charges the highest interest rate first. Set a goal to pay a specific amount toward that debt each month, while putting minimum payments toward your other credit cards or loans. MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. TAKING ACTION: AN ADVOCATES GUIDE TO ASSISTING VICTIMS OF Size: 760.59 KB. Download Now. Bookmark this page for access to the latest version of this file. SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments.CREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud. MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. THINKING ABOUT ROLLING OVER FUNDS FROM YOUR THRIFT SAVINGS But if you are thinking about rolling over money from your Thrift Savings Plan (TSP) into an IRA, take some time to consider your options—one of which is to stay put in the TSP, or even transfer money from another retirement account into your TSP. 1. Evaluate yourtransfer options.
TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments.CREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud. MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. THINKING ABOUT ROLLING OVER FUNDS FROM YOUR THRIFT SAVINGS But if you are thinking about rolling over money from your Thrift Savings Plan (TSP) into an IRA, take some time to consider your options—one of which is to stay put in the TSP, or even transfer money from another retirement account into your TSP. 1. Evaluate yourtransfer options.
TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. HOW TO SPOT THE RED FLAGS OF FRAUD How to Spot the Red Flags of Fraud. Investment fraud criminals use a wide array of sophisticated and highly effective tactics to target and influence prospective victims. The truth is you encounter these tactics every day; they are used by legitimate businesses, in retail stores and in advertisements. Learning to recognize these tactics can REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud.CREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
RESOURCES FOR MILITARY FINANCIAL EDUCATORS The FINRA Foundation makes FICO® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. UNDERSTAND YOUR THRIFT SAVINGS PLAN Understand Your Thrift Savings Plan. Among the many benefits of working in the military, service members have access to the Thrift Savings Plan (TSP), which is like a 401 (k) retirement savings program for members of the military and federal employees. The TSP makes it easy to invest automatically from your pay, provides important taxbenefits
DIG YOURSELF OUT OF DEBT Visit NFCC.org or call (800) 388-2227. Pay your high interest rate debt first. Work on paying down the credit card or loan that charges the highest interest rate first. Set a goal to pay a specific amount toward that debt each month, while putting minimum payments toward your other credit cards or loans.ACTION PLAN
• CalCcuto ruB Try to reduce fees and costs. After analyzing your spending, think about any changes you can make to cut down on fees, such as avoiding out-of-network ATMs or switching to an account withno
BE CAREFUL WHO YOU TRUST Laura Astorga works longer hours these days. She needs to so she can build her savings back up. She lost most of it in a Ponzi scheme aimed at the vast Hispanic community in Los Angeles. It was orchestrated by Juan Rangel. Rangel used a range of persuasion tactics to lure hisvictims.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments.CREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud. MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. THINKING ABOUT ROLLING OVER FUNDS FROM YOUR THRIFT SAVINGS But if you are thinking about rolling over money from your Thrift Savings Plan (TSP) into an IRA, take some time to consider your options—one of which is to stay put in the TSP, or even transfer money from another retirement account into your TSP. 1. Evaluate yourtransfer options.
TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments.CREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud. MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. THINKING ABOUT ROLLING OVER FUNDS FROM YOUR THRIFT SAVINGS But if you are thinking about rolling over money from your Thrift Savings Plan (TSP) into an IRA, take some time to consider your options—one of which is to stay put in the TSP, or even transfer money from another retirement account into your TSP. 1. Evaluate yourtransfer options.
TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. HOW TO SPOT THE RED FLAGS OF FRAUD How to Spot the Red Flags of Fraud. Investment fraud criminals use a wide array of sophisticated and highly effective tactics to target and influence prospective victims. The truth is you encounter these tactics every day; they are used by legitimate businesses, in retail stores and in advertisements. Learning to recognize these tactics canCREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
RESOURCES FOR MILITARY FINANCIAL EDUCATORS The FINRA Foundation makes FICO® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. UNDERSTAND YOUR THRIFT SAVINGS PLAN Understand Your Thrift Savings Plan. Among the many benefits of working in the military, service members have access to the Thrift Savings Plan (TSP), which is like a 401 (k) retirement savings program for members of the military and federal employees. The TSP makes it easy to invest automatically from your pay, provides important taxbenefits
ACTION PLAN
• CalCcuto ruB Try to reduce fees and costs. After analyzing your spending, think about any changes you can make to cut down on fees, such as avoiding out-of-network ATMs or switching to an account withno
DIG YOURSELF OUT OF DEBT Visit NFCC.org or call (800) 388-2227. Pay your high interest rate debt first. Work on paying down the credit card or loan that charges the highest interest rate first. Set a goal to pay a specific amount toward that debt each month, while putting minimum payments toward your other credit cards or loans. BE CAREFUL WHO YOU TRUST Laura Astorga works longer hours these days. She needs to so she can build her savings back up. She lost most of it in a Ponzi scheme aimed at the vast Hispanic community in Los Angeles. It was orchestrated by Juan Rangel. Rangel used a range of persuasion tactics to lure hisvictims.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. RETIREES ARE TARGETS OF SCAMS Watch on. 0:00. 0:00. /. Live. •. Ruth and Len Mitchell were defrauded out of their retirement savings by their accountant, Barry Korcan—someone they socialized with and trusted to handle their finances. Korcan was their neighbor, kept the books for Len's business and did the Mitchell's' personal taxes. So when Korcan—who also ranan
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments.CREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud. MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. THINKING ABOUT ROLLING OVER FUNDS FROM YOUR THRIFT SAVINGS But if you are thinking about rolling over money from your Thrift Savings Plan (TSP) into an IRA, take some time to consider your options—one of which is to stay put in the TSP, or even transfer money from another retirement account into your TSP. 1. Evaluate yourtransfer options.
TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments.CREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud. MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. THINKING ABOUT ROLLING OVER FUNDS FROM YOUR THRIFT SAVINGS But if you are thinking about rolling over money from your Thrift Savings Plan (TSP) into an IRA, take some time to consider your options—one of which is to stay put in the TSP, or even transfer money from another retirement account into your TSP. 1. Evaluate yourtransfer options.
TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. HOW TO SPOT THE RED FLAGS OF FRAUD How to Spot the Red Flags of Fraud. Investment fraud criminals use a wide array of sophisticated and highly effective tactics to target and influence prospective victims. The truth is you encounter these tactics every day; they are used by legitimate businesses, in retail stores and in advertisements. Learning to recognize these tactics canCREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
RESOURCES FOR MILITARY FINANCIAL EDUCATORS The FINRA Foundation makes FICO® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. UNDERSTAND YOUR THRIFT SAVINGS PLAN Understand Your Thrift Savings Plan. Among the many benefits of working in the military, service members have access to the Thrift Savings Plan (TSP), which is like a 401 (k) retirement savings program for members of the military and federal employees. The TSP makes it easy to invest automatically from your pay, provides important taxbenefits
ACTION PLAN
• CalCcuto ruB Try to reduce fees and costs. After analyzing your spending, think about any changes you can make to cut down on fees, such as avoiding out-of-network ATMs or switching to an account withno
DIG YOURSELF OUT OF DEBT Visit NFCC.org or call (800) 388-2227. Pay your high interest rate debt first. Work on paying down the credit card or loan that charges the highest interest rate first. Set a goal to pay a specific amount toward that debt each month, while putting minimum payments toward your other credit cards or loans. BE CAREFUL WHO YOU TRUST Laura Astorga works longer hours these days. She needs to so she can build her savings back up. She lost most of it in a Ponzi scheme aimed at the vast Hispanic community in Los Angeles. It was orchestrated by Juan Rangel. Rangel used a range of persuasion tactics to lure hisvictims.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. RETIREES ARE TARGETS OF SCAMS Watch on. 0:00. 0:00. /. Live. •. Ruth and Len Mitchell were defrauded out of their retirement savings by their accountant, Barry Korcan—someone they socialized with and trusted to handle their finances. Korcan was their neighbor, kept the books for Len's business and did the Mitchell's' personal taxes. So when Korcan—who also ranan
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals. REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments.ACTION PLAN
• CalCcuto ruB Try to reduce fees and costs. After analyzing your spending, think about any changes you can make to cut down on fees, such as avoiding out-of-network ATMs or switching to an account withno
TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. THINKING ABOUT ROLLING OVER FUNDS FROM YOUR THRIFT SAVINGS But if you are thinking about rolling over money from your Thrift Savings Plan (TSP) into an IRA, take some time to consider your options—one of which is to stay put in the TSP, or even transfer money from another retirement account into your TSP. 1. Evaluate yourtransfer options.
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
PROTECT YOUR MONEY. FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals. REAL STORIES OF FRAUD Listen to these stories of investment fraud from the victims themselves—and from con artists who have swindled people out of their money. You’ll see that the cons used classic persuasion tactics in each of these cases to get their victims to fall for their schemes. Understanding these tactics—and what puts you at risk—is the key to spotting and avoiding investment fraud. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments.ACTION PLAN
• CalCcuto ruB Try to reduce fees and costs. After analyzing your spending, think about any changes you can make to cut down on fees, such as avoiding out-of-network ATMs or switching to an account withno
TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. THINKING ABOUT ROLLING OVER FUNDS FROM YOUR THRIFT SAVINGS But if you are thinking about rolling over money from your Thrift Savings Plan (TSP) into an IRA, take some time to consider your options—one of which is to stay put in the TSP, or even transfer money from another retirement account into your TSP. 1. Evaluate yourtransfer options.
GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. HOW TO SPOT THE RED FLAGS OF FRAUD How to Spot the Red Flags of Fraud. Investment fraud criminals use a wide array of sophisticated and highly effective tactics to target and influence prospective victims. The truth is you encounter these tactics every day; they are used by legitimate businesses, in retail stores and in advertisements. Learning to recognize these tactics canCREDIT AND DEBT
A payday loan—which might also be called a "cash advance" or "check loan"—is a short-term loan, generally for $500 or less, that is typically due on your next payday. Many borrowers wind up pay interest rates of 400% or more, and remain indebted to the lender for half a year or more. Using a payday lender is like borrowing from a loanshark
UNDERSTAND YOUR THRIFT SAVINGS PLAN Understand Your Thrift Savings Plan. Among the many benefits of working in the military, service members have access to the Thrift Savings Plan (TSP), which is like a 401 (k) retirement savings program for members of the military and federal employees. The TSP makes it easy to invest automatically from your pay, provides important taxbenefits
DIG YOURSELF OUT OF DEBT Visit NFCC.org or call (800) 388-2227. Pay your high interest rate debt first. Work on paying down the credit card or loan that charges the highest interest rate first. Set a goal to pay a specific amount toward that debt each month, while putting minimum payments toward your other credit cards or loans.ACTION PLAN
• CalCcuto ruB Try to reduce fees and costs. After analyzing your spending, think about any changes you can make to cut down on fees, such as avoiding out-of-network ATMs or switching to an account withno
BE CAREFUL WHO YOU TRUST Laura Astorga works longer hours these days. She needs to so she can build her savings back up. She lost most of it in a Ponzi scheme aimed at the vast Hispanic community in Los Angeles. It was orchestrated by Juan Rangel. Rangel used a range of persuasion tactics to lure hisvictims.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. RETIREES ARE TARGETS OF SCAMS Watch on. 0:00. 0:00. /. Live. •. Ruth and Len Mitchell were defrauded out of their retirement savings by their accountant, Barry Korcan—someone they socialized with and trusted to handle their finances. Korcan was their neighbor, kept the books for Len's business and did the Mitchell's' personal taxes. So when Korcan—who also ranan
FINRA FOUNDATION MILITARY SPOUSE FELLOW PROFILE Heather took a civilian volunteer position as a Family Readiness Leader, working with reserve service members and their families. While in this capacity she realized the majority of the issues she dealt with were related to finances. Heather read about the FINRA Investor Education Foundation's Military Spouse Fellowship Program in anewsletter.
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals.GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. MONEY MATH FOR TEENS 4 The Benefits of Having a Good Credit Score 00 Lower interest rates: Car loans, credit cards and other credit products for a variety of borrowers. 00 Renting: Landlords often pull prospective tenants’ credit reports to see if they are financially responsible. 00 Job opportunities: Many employers use a credit report to learn more about prospective employees. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. FINRA FOUNDATION MILITARY SPOUSE FELLOW PROFILE The FINRA Foundation receives a large number of Fellowship applications a year, but far fewer military spouses are selected to receive the grants that pay for their accredited financial counselor training. Still, Venekamp kept trying. "I really wanted the fellowship and I learned to not give up," she said. "If you follow your heart,and do the
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals.GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. MONEY MATH FOR TEENS 4 The Benefits of Having a Good Credit Score 00 Lower interest rates: Car loans, credit cards and other credit products for a variety of borrowers. 00 Renting: Landlords often pull prospective tenants’ credit reports to see if they are financially responsible. 00 Job opportunities: Many employers use a credit report to learn more about prospective employees. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. FINRA FOUNDATION MILITARY SPOUSE FELLOW PROFILE The FINRA Foundation receives a large number of Fellowship applications a year, but far fewer military spouses are selected to receive the grants that pay for their accredited financial counselor training. Still, Venekamp kept trying. "I really wanted the fellowship and I learned to not give up," she said. "If you follow your heart,and do the
SAVE AND INVEST
A new documentary that reveals our natural behavioral biases—and provides innovative solutions to get us on the path to financial security. Look up a brokerage firm or individual broker in BrokerCheck. It’s a free tool to help investors research the backgrounds of investment professionals and firms. Learn first-handabout the types of
REPORTING INVESTMENT FRAUD Reporting Investment Fraud. Investment fraud refers to a wide range of deceptive practices that scammers use to induce investors to make investing decisions. These practices can include untrue or misleading information or fictitious opportunities. Investment fraud may involve stocks, bonds, notes, commodities, currency or even real estate. LESSON PLANS AND ASSESSMENTS Financial capability requires strong math skills. The lesson plans and assessments included in Money Math for Teens explore the mathematics behind personal finance concepts such as compound interest, opportunity costs and more—all in a way that’s practical and relevant to teens. The lessons have varying degrees of complexity and are suitable for students in middle and high school. RESOURCES FOR MILITARY FINANCIAL EDUCATORS The FINRA Foundation makes FICO® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. CHECK YOUR CREDIT SCORE Visit AnnualCreditReport.com, the official website to get free credit reports from Experian, Equifax and TransUnion. You also can call 1-877-322-8228 to request your free credit reports. To make the request by mail, send a letter with your name, Social Security number,and
RED FLAGS OF FRAUD: SOURCE CREDIBILITY Red Flags of Fraud: Source Credibility. Knowing more about financial scams and how they work can help protect you and your money. This video will teach you about one important red flag—Source Credibility. This is when a fraudster tries to build credibility by appearing successful, claiming affiliation with a reputable organization or touting MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. BE CAREFUL WHO YOU TRUST Laura Astorga works longer hours these days. She needs to so she can build her savings back up. She lost most of it in a Ponzi scheme aimed at the vast Hispanic community in Los Angeles. It was orchestrated by Juan Rangel. Rangel used a range of persuasion tactics to lure hisvictims.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. TAKING ACTION: AN ADVOCATES GUIDE TO ASSISTING VICTIMS OF Size: 760.59 KB. Download Now. Bookmark this page for access to the latest version of this file. SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals.GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. MONEY MATH FOR TEENS 4 The Benefits of Having a Good Credit Score 00 Lower interest rates: Car loans, credit cards and other credit products for a variety of borrowers. 00 Renting: Landlords often pull prospective tenants’ credit reports to see if they are financially responsible. 00 Job opportunities: Many employers use a credit report to learn more about prospective employees. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. FINRA FOUNDATION MILITARY SPOUSE FELLOW PROFILE The FINRA Foundation receives a large number of Fellowship applications a year, but far fewer military spouses are selected to receive the grants that pay for their accredited financial counselor training. Still, Venekamp kept trying. "I really wanted the fellowship and I learned to not give up," she said. "If you follow your heart,and do the
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Our Military Financial Readiness Project delivers free, unbiased financial education tools and training to service members, their spouses and on-base financial educators. A collaborator in the U.S. Department of Defense Financial Readiness Campaign, our primary goalSAVE AND INVEST
FINRA Securities Helpline for Seniors. A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments. Call (844) 574-3577. LEARN MORE. FOR THE MILITARY. FREE CREDIT SCORE AND ANALYSIS TOOL Free Credit Score and Analysis Tool. We are distributing access through installation military financial educators and counselors in the military Personal Financial Management Program (PFMP). To use the tool, your first step is to contact a military financial educator (sometimes called a "PFM or PFC") at your nearest PFMP Office (whichis
SET SMART GOALS
Set your goals. Figure out what you want to achieve and what it will take, financially speaking, to achieve it. Plan the time and savings level to achieve your goals. Goals take time and effort. Set a realistic timetable and a savings level that you can keep up. Stick to the plan. Write down your goals.GAMES & QUIZZES
Con 'Em If You Can. Learn first-hand about the types of persuasion tactics used to perpetrate financial fraud, so that you’ll be better able to defend against them. Make your way through the town of Shady Acres, accumulating wealth and strength by using these tactics. But watch out—the Fraud Fighting Agency is hot on your trail. MONEY MATH FOR TEENS 4 The Benefits of Having a Good Credit Score 00 Lower interest rates: Car loans, credit cards and other credit products for a variety of borrowers. 00 Renting: Landlords often pull prospective tenants’ credit reports to see if they are financially responsible. 00 Job opportunities: Many employers use a credit report to learn more about prospective employees. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM Live. •. How to Recognize a Free Lunch Investment Seminar Scam. More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. FINRA FOUNDATION MILITARY SPOUSE FELLOW PROFILE The FINRA Foundation receives a large number of Fellowship applications a year, but far fewer military spouses are selected to receive the grants that pay for their accredited financial counselor training. Still, Venekamp kept trying. "I really wanted the fellowship and I learned to not give up," she said. "If you follow your heart,and do the
SAVE AND INVEST
A new documentary that reveals our natural behavioral biases—and provides innovative solutions to get us on the path to financial security. Look up a brokerage firm or individual broker in BrokerCheck. It’s a free tool to help investors research the backgrounds of investment professionals and firms. Learn first-handabout the types of
REPORTING INVESTMENT FRAUD Reporting Investment Fraud. Investment fraud refers to a wide range of deceptive practices that scammers use to induce investors to make investing decisions. These practices can include untrue or misleading information or fictitious opportunities. Investment fraud may involve stocks, bonds, notes, commodities, currency or even real estate. LESSON PLANS AND ASSESSMENTS Financial capability requires strong math skills. The lesson plans and assessments included in Money Math for Teens explore the mathematics behind personal finance concepts such as compound interest, opportunity costs and more—all in a way that’s practical and relevant to teens. The lessons have varying degrees of complexity and are suitable for students in middle and high school. RESOURCES FOR MILITARY FINANCIAL EDUCATORS The FINRA Foundation makes FICO® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. CHECK YOUR CREDIT SCORE Visit AnnualCreditReport.com, the official website to get free credit reports from Experian, Equifax and TransUnion. You also can call 1-877-322-8228 to request your free credit reports. To make the request by mail, send a letter with your name, Social Security number,and
RED FLAGS OF FRAUD: SOURCE CREDIBILITY Red Flags of Fraud: Source Credibility. Knowing more about financial scams and how they work can help protect you and your money. This video will teach you about one important red flag—Source Credibility. This is when a fraudster tries to build credibility by appearing successful, claiming affiliation with a reputable organization or touting MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. BE CAREFUL WHO YOU TRUST Laura Astorga works longer hours these days. She needs to so she can build her savings back up. She lost most of it in a Ponzi scheme aimed at the vast Hispanic community in Los Angeles. It was orchestrated by Juan Rangel. Rangel used a range of persuasion tactics to lure hisvictims.
MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. TAKING ACTION: AN ADVOCATES GUIDE TO ASSISTING VICTIMS OF Size: 760.59 KB. Download Now. Bookmark this page for access to the latest version of this file. SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Guided by a growing body of research exploring how and why investors fall prey to investment fraud, our Investor Protection Campaign has employed strategic national, state and grassroots partnerships to develop and distribute fraud prevention resources and conduct outreach. Investment fraud criminals use sophisticated tactics to get people to part with their money, so it's important to learnSAVE AND INVEST
The application period for the FINRA Investor Education Foundation's 2021 Military Spouse Fellowship Program is closed. Please check backfor updates.
FREE CREDIT SCORE AND ANALYSIS TOOL Military financial educators and counselors, please initiate the registration process for your clients by clicking on this button. Please review the step-by-step instructions for details on how to obtain FICO credit reports.. Users who already have been granted access to the tool by a military financial professional, please click on this button to view your FICO credit score and report (goodGAMES & QUIZZES
Gauge your financial knowledge—take the quiz and compare your score with the averages in specific states, regions or the nation overall.SET SMART GOALS
Getting what you want doesn't always come easily. Chances are you'll have to work to reach your goal. Achieving what you want financially—whether saving to buy a house or for a fun vacation—requires the same planning, perseverance and know-how. MONEY MATH FOR TEENS 4 The Benefits of Having a Good Credit Score 00 Lower interest rates: Car loans, credit cards and other credit products for a variety of borrowers. 00 Renting: Landlords often pull prospective tenants’ credit reports to see if they are financially responsible. 00 Job opportunities: Many employers use a credit report to learn more about prospective employees. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. FINRA FOUNDATION MILITARY SPOUSE FELLOW PROFILE Mikki Venekamp . Omaha, Nebraska "It is so hard for military spouses to have a good career path. Every time you move, you have to start all overbut with this accreditation, you’re pretty much guaranteed a job with decent pay and the satisfaction of touching peoples’ livesevery day.
SAVE AND INVESTPROTECT YOUR MONEYFOR THE MILITARYEDUCATE YOUTHTOOLSAND RESOURCES
Guided by a growing body of research exploring how and why investors fall prey to investment fraud, our Investor Protection Campaign has employed strategic national, state and grassroots partnerships to develop and distribute fraud prevention resources and conduct outreach. Investment fraud criminals use sophisticated tactics to get people to part with their money, so it's important to learnSAVE AND INVEST
The application period for the FINRA Investor Education Foundation's 2021 Military Spouse Fellowship Program is closed. Please check backfor updates.
FREE CREDIT SCORE AND ANALYSIS TOOL Military financial educators and counselors, please initiate the registration process for your clients by clicking on this button. Please review the step-by-step instructions for details on how to obtain FICO credit reports.. Users who already have been granted access to the tool by a military financial professional, please click on this button to view your FICO credit score and report (goodGAMES & QUIZZES
Gauge your financial knowledge—take the quiz and compare your score with the averages in specific states, regions or the nation overall.SET SMART GOALS
Getting what you want doesn't always come easily. Chances are you'll have to work to reach your goal. Achieving what you want financially—whether saving to buy a house or for a fun vacation—requires the same planning, perseverance and know-how. MONEY MATH FOR TEENS 4 The Benefits of Having a Good Credit Score 00 Lower interest rates: Car loans, credit cards and other credit products for a variety of borrowers. 00 Renting: Landlords often pull prospective tenants’ credit reports to see if they are financially responsible. 00 Job opportunities: Many employers use a credit report to learn more about prospective employees. HOW TO RECOGNIZE A FREE LUNCH INVESTMENT SEMINAR SCAM More than 6 million Americans age 55 and older have attended a free lunch investment seminar. But many of these so-called seminars are actually sales presentations, where the attendees are often pressured into making unsuitable—or even fraudulent—investments. TAKING ACTION: AN ADVOCATE'S GUIDE TO ASSISTING VICTIMS OF AN ADVOCATE’S GUIDE TO ASSISTING VICTIMS OF FINANCIAL FRAUD | i. Helping Financial Fraud Victims. June 2018 Financial fraud is real andcan be devastating.
MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. FINRA FOUNDATION MILITARY SPOUSE FELLOW PROFILE Mikki Venekamp . Omaha, Nebraska "It is so hard for military spouses to have a good career path. Every time you move, you have to start all overbut with this accreditation, you’re pretty much guaranteed a job with decent pay and the satisfaction of touching peoples’ livesevery day.
SAVE AND INVEST
Look up a brokerage firm or individual broker in BrokerCheck. It’s a free tool to help investors research the backgrounds of investment professionals and firms. REPORTING INVESTMENT FRAUD Investment fraud refers to a wide range of deceptive practices that scammers use to induce investors to make investing decisions. These practices can include untrue or LESSON PLANS AND ASSESSMENTS Financial capability requires strong math skills. The lesson plans and assessments included in Money Math for Teens explore the mathematics behind personal finance concepts such as compound interest, opportunity costs and more—all in a way that’s practical and relevant to teens. The lessons have varying degrees of complexity and are suitable for students in middle and high school. CHECK YOUR CREDIT SCORE The FINRA Investor Education Foundation is pleased to make FICO ® credit scores—and the educational information and tools in the FICO Standard product—available free of charge to active duty service members and their spouses. RED FLAGS OF FRAUD: SOURCE CREDIBILITY Knowing more about financial scams and how they work can help protect you and your money. This video will teach you about one important red flag—Source Credibility. RESOURCES FOR MILITARY FINANCIAL EDUCATORS The FINRA Foundation makes FICO® credit scores—and the educational information in the FICO Standard product—available free of charge to active duty service members and their spouses through personalized Financial Educator codes provided to military financial educators. MONEY MATH FOR TEENS 2 The Emergency Fund Introduction 2. Introduce the student handout. • Ask students to read from the beginning through the What Is a Financial Emergency? section. • Ask them to review the charts and make sure they can correctly interpret the data. • It can be fun to discuss with students how different people may have different views when it comes to a true emergency. BE CAREFUL WHO YOU TRUST Laura Astorga works longer hours these days. She needs to so she can build her savings back up. She lost most of it in a Ponzi scheme aimed at the vast Hispanic community in Los Angeles. MONEY MATH FOR TEENS 2 The True Cost of Owning a Car Introduction • Discuss the pros and cons of paying cash for a car versus financing the car. • The amount of time one has to save for a full-price purchase depends on the cost of the car and the amount he or she is able to save each month. TAKING ACTION: AN ADVOCATES GUIDE TO ASSISTING VICTIMS OF Bookmark this page for access to the latest version of this file. Skip to main content sign up for our newsletter * PROTECT YOUR MONEY * Spot and Avoid Fraud* Report Fraud
* Emotional Investing * Real Stories of Fraud * FINRA Investor Alerts * Fraud Fighting Partner Toolkit * Protect Yourself from Disaster Fraud* For the Military
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