FMWR Army Hawaii

FRP Staff
Laura ( Manager), Georgianna, Mercedes, Jackie, Steve & Mark

FINANCIAL READINESS
Your Financial Readiness Team offers a wide range of services to assist Soldiers and their Families with financial affairs. Emphasis is placed upon the training portion of the program designed to educate Soldiers and spouses in money management, proper use of credit, financial planning, deployment, transition and relocation, credit improvement, investment information, and check writing principles. Our goal is to help Families prevent financial difficulties before they arise and prepare them for their financial future.

ACCREDITED FINANCIAL COUNSELORS
Accredited Financial Counselors (AFC) are available to teach financial classes and help Soldiers and their spouses in all areas of financial readiness to include:
Establish budgets
Work with creditors
File consumer complaints
Gather information on local consumer laws
Empower Soldiers and Family members to make sound financial decisions

ARMY EMERGENCY RELIEF (AER)
AER can help active duty Soldiers and their dependents, ARNG, and USAR Soldiers on active duty for more than 30 days and their dependents, retirees and their dependents, and surviving spouses and orphans of Soldiers who died while on active duty or after they retired. This assistance is usually in the form of interest-free loans. Grants are considered based on individual extenuating circumstance. Application forms (DA 1103) and instructions are available.

AER COMMAND REFERRAL PROGRAM
The Commander Referral Program was implemented on 15 Nov 05 for Hawaii units. Under this program, Commanders and 1SGs can approve up to $1000 for Basic Living Expenses. Desk side briefings for Commanders and 1SGs are available as needed. Call ACS at 655-4ACS to schedule.

Helpful Links:
Spouse & Children Scholarship Program

Contract All | Expand All

ARMY EMERGENCY RELIEF

www.aerhq.org
AER application and income budget sheet http://www.mwrarmyhawaii.com/acs/acs_documents/AER_Form.pdf

AUTO BUYING

Kelly Blue Book www.kbb.com
National Auto Dealers Association www.nada.com
National Highway Traffic Safety Administration http://www.nhtsa.gov/

BUDGETING

Blank Budget Worksheet http://www.mwrarmyhawaii.com/acs/acs_documents/AER_Form.pdf
Allowances http://perdiem.hqda.pentagon.mil/perdiem/bah.html
MyPay https://mypay.dfas.mil/mypay.aspx
Military Saves http://www.militarysaves.org/
U.S. Financial Literacy & Education http://www.mymoney.gov/
Jump Start � Financial Smarts for Students http://www.jumpstart.org/

COLLEGE AND STUDENT INFORMATION

Mapping Your Future http://www.mapping-your-future.org/
Spouse and Child Scholarship Information http://www.mwrarmyhawaii.com/acs/acs_documents/Education_Brochure.pdf
Scholarship Information http://www.finaid.org/
Jump Start � Financial Smarts for Students http://www.jumpstart.org/
Housing and Financial Worksheets for Students http://www.usu.edu/fchd/hfc_worksheets.cfm
Military Money Management Information http://www.saveandinvest.org/Military/index.htm

CONSUMER PROTECTION

Better Business Bureau Military Line http://us.bbb.org/WWWRoot/SitePage.aspx?site=113&id=394acdfa-3144-4d4d-92ba-36308f6e6fe2
Federal Government Consumer Protection http://www.consumer.gov/
Federal Trade Commission http://www.ftc.gov/
Hawaii Office of Consumer Protection http://hawaii.gov/dcca
Fair Debt Collection Act Information http://www.ftc.gov/bcp/conline/pubs/credit/fdc.shtm
Identity Theft Information http://www.ftc.gov/bcp/edu/microsites/idtheft/
Fraud Information http://www.fraud.org/
Department of the Attorney General Hawaii http://hawaii.gov/ag

DEBT/CREDIT/CREDIT CARDS

Annual Credit Reports for Free https://www.annualcreditreport.com/cra/index.jsp
Financial Calculator http://www.mwrarmyhawaii.com/acs/acscalculator.asp
Compare Bank and Other Rates http://www.bankrate.com/
Non-Profit Debt Management Professionals http://www.incharge.org/ http://www.cccsofhawaii.com/
Feed the Pig http://www.feedthepig.org/

HOME BUYING

VA Home Loans http://www.homeloans.va.gov/
Housing and Financial Worksheets http://www.usu.edu/fchd/hfc_worksheets.cfm
Homebuyer�s Information Center http://www.ourfamilyplace.com/homebuyer/
Help with Finding a Home http://www.realtor.com/
Foreclosure Resources for Consumers http://www.federalreserve.gov/pubs/foreclosure/default.htm
VA Home Loans http://www.homeloans.va.gov/
Housing and Financial Worksheets http://www.usu.edu/fchd/hfc_worksheets.cfm
Homebuyer�s Information Center http://www.ourfamilyplace.com/homebuyer/
Help with Finding a Home http://www.realtor.com/
Foreclosure Resources for Consumers http://www.federalreserve.gov/pubs/foreclosure/default.htm

INSURANCE

Insurance Issues for Military Personnel http://www.naic.org/consumer_military_insurance.htm
Survivor Benefit Plan (SBP) http://www.defenselink.mil/militarypay/survivor/sbp/index.html
TRICARE Military Health System http://www.tricare.mil/

INTERNAL REVENUE SERVICE

Internal Revenue Website http://www.irs.gov/

INVESTING

Investor Information and Education http://www.saveandinvest.org/index.htm
Financial Industry Regulatory Authority http://www.finra.org/index.htm
Mutual Fund Education Alliance http://www.mfea.com/
The Thrift Savings Plan http://www.tsp.gov/

OTHER HELPFUL WEBSITES

Woman�s Institute for Financial Education http://www.wife.org/
Foreclosure Resources for Consumers http://www.federalreserve.gov/pubs/foreclosure/default.htm

PAY AND BENEFITS

Military Pay Rates http://www.dfas.mil/
MyPay https://mypay.dfas.mil/mypay.aspx
Basic Allowances http://perdiem.hqda.pentagon.mil/perdiem/bah.html
Military Compensation http://www.defenselink.mil/militarypay/benefits/index.html

RETIREMENT

Thrift Savings Plan http://www.tsp.gov/
Military Retirement System http://www.defenselink.mil/militarypay/retirement/ad/03_highthree.html

Contact Information
If you would like to learn more about Financial Readiness Program, please call the (808) 655-4227 or Email

Army Community Service
Schofield Barracks, Bldg. 2091
Phone: (808) 655-4ACS(4227)
Fax: (808) 655-1654
Monday - Friday
7:30 a.m. - 4:30 p.m.

ACS Outreach
Fort Shafter, Bldg. S330 Aloha Center
Phone: (808) 438-9285
Fax: (808) 438-0942
Monday - Friday
7:30 a.m. - 4:00 p.m.

Computer Center
Monday, Wednesday and Friday 7:30 a.m. - 9:00 p.m.
Tuesday and Thursday
12:30 a.m. - 9:00 p.m.
Saturday 10:00 a.m. - 4:00 p.m.

"Confidential Short Term Solution Focused Counseling" available from Military and Family Life Consultants, Call: (808) 222-7088

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