Financial Readiness Branch

• Beware of Phony Federal Job Listings
• Look out for Lending Fraud
• Five Warning Signs of a Scam
• Telemarketing Travel Fraud

• Establishing a budget
• Examine your financial goals
• Identify your current monthly income and expenses
• Monitor your budget

• Determining How Much You Can Afford
• Kicking the Tires on an Auto Loan
• Buying a Car: How to be a Smart Negotiator
• Additional Tips

• Indenity Theft Protection Products and Services for Sale
• Credit Monitoring Services
• Actions you can take
• Listing of Phone & Web addresses for Indentity Theft

• FTC Announces ‘Operation Tele-PHONEY
• Recognize & "Report Phone Fraud
• Telemarketers and Junk Mail

• Attorney General of Texas Consumer education
• The Federal Trade Commission consumer topics
• The Better Business Bureau Army Line consumer services

• Auto Insurance Coverages
• April 1, 2008, the minimum coverage rises

• Excerpt from: U.S. Securities and Exchange Commission
• MilitarySaves.org
• Take the Saver Pledge
• Excerpt from: MyMoney.gov

• Why should people use CFLs?
• Do CFLs contain mercury?
• What should I do with a CFL when it burns out?
• Keep Your Engine Properly Tuned
• Saving Starts @ Home: The Inside Story on Conserving Energy

• Need Credit or Insurance? Your Credit Score Helps Determine What You’ll Pay
• Improving Your Credit Profile: What You Can and Cannot Do
• How Your Credit Score Affects You
• Determining Your Credit Score

• Excerpt from: The Texas Tenant Advisor
• SECURITY DEPOSITS
• I've decided not to take an apartment, after all, despite signing the lease.
• Tenants’ Rights Handbook

• Botnets and Hackers and Spam
  
• Stop – Think - Click
• Get NetWise

• Tips for Avoiding Foreclosure
  
• Mortgage Payments Sending You Reeling?
• When Financial Troubles Arise
• Foreclosure ‘Rescue’ Scams on the Rise

• VoIP: It’s A Phone, It’s a computer, It’s
  
• Cellular Service Plans
• Keeping in Touch Using Personal Radio Services

• CSI: Budget
  
• Tips on cutting costs

• The Cooling-Off Rule
• Top Consumer Myths!
• Additional Myths

• New Scam Targeting Military Spouses
• Top Ten Telemarking Scams 2006
• Phishing

• Tips for managing your debit card
• How can you avoid overdraft and bounced-check fees?

• Know What's Involved Before Cosigning A Loan
• Credit and Divorce
• Before you cosign, consider this information

• Counterfeit U.S. Postal Money Order Scam
• Wire Transfers Are Scam Signs
• Nigeria Scams be watch full for

• Texas Electric Choice
• Key electric points to remember
• Comparing Retail Electric Providers
• How to read your Electricity Fact Label
• Understanding Charges on your Phone & Electric Bills

• Resolutions For The New Year
• Start the New Year Off Right
• Financial Tips for the New Year

• 15 secrets debt counselors wish you knew
• Ask Yourself: Am I in "over my head?"
• Debt Management Plans
• How a DMP Works

• Is the sale price the best deal?
• Beware tricky low-price guarantees
• Sale VS mark down price

• Checklist for Interviewing a Financial Planner
• Settlement with insurance companies
• Savings & Investing class
• Choosing a financial professional

• How to Choose a Repair Shop
• Resolving Disagreements Over The Bill
• Get It In Writing

• Can you stop a debt collector from contacting you?
• May a debt collector contact anyone else about your debt?
• Debt Collection Abuses

• Military loans from payday lenders
• High Cost Payday Lenders Advertise Everywhere
• Caught In A Debt Trap
• How To Avoid The Pay Day Loan Trap

• Internet Auctions A Guide for Buyers and Sellers
• Fake Check Scams Target Sellers
• Wire Transfers

• Choosing a credit card
• Credit card savvy student handout
• Cash withdrawal high APR

• Buying a computer & how will you use it?
• 'Free’ and 'Low Cost' PC offers
• Buying Computers By Mail
• Computer Buyer's Checklist

• Tips for savvy supplement user
• Safety and efficacy of dietary supplements
• All natural - not always safe

• Straight Talk About Telemarketing
• Unsolicited Prize Calls, Counterfeit Cashier's Checks
• Consumer Fraud and the Military Family
• Stop that Scam!

• Fort Hood Tax Center
• RAL Loans
• Special Bennies for U.S. Armed Forces
• Instant Tax Refunds

• FCC Charity Checklist
• BBB Tips on Police & Firefighters
• AIP Charity Know How
• Additional Tips From Your Consumer Affairs Office

• Telephone Bill and "Cramming"
• Telephone Bill Warnings from FCC
• Online Coupon Warnings

• Do Not Call Registry - Cell Phones
• Cell Phone Clarification from FCC
• Forwarding E-mail Warning

• CLEP Prep Scams
• Information on Educational Services
• Mr. Salesman "Promises"

• Life Insurance Basics
• Red Flags
• Insurance Institute

• Money Order Scams
• Check Overpayment Scams
• Funds Availability

• Credit Repair
• Dispute Credit Report Errors
• Free Credit Reports

• Consumer Protection
• Buying Tips

• Health Spa
• Health Clubs

• Home Sweet Home Improvement
• Hiring a Contractor
• Home Improvement: Tools you can use

• Identity Theft STATS
• Phishing for you Identity
• Identity Theft Strategies
• My Identity has been stolen, what do I do now?

• Advance Fee Loan
• Scammers Impersonate Legitimate Lenders
• When a Loan is not a Loan

#17

• Holiday Shopping Tips
• Shopping Online
• Spending Tips

#16

• Homeowner's Insurance
• Renter's Insurance
• Insurance in the Barracks

#15

• Top Ten Tele-marking Scams
• Phone Scammer Impersonators
• Telemarketing Fraud

#14

• FDIC Credit Scoring and improving your credit

#13

• Filing an auto insurance claim
• GAP Insurance

#12

• Cell Phones and Billing

#11

• Water Quality
• Home Security Systems
• Carpet Cleaning Services

#10

• The 5 Hottest Scams
• Travel Scams

#09

• Renting Off Post
• Tenant Rights
• Moving

#08

• Used Car Buying

#07

• Top 10 Consumer Complaints of 2003
• Protecting Your Identity

#06

• Scams Targeting Military Personnel and Veterans
• Consumer Recalls

#05

• Consumer Complaint Process
• Holiday Spending Tips

#04

• Postal Job Scams
• Medical Billing Opportunities
• Pyramid Schemes

#03

• Consumer Credit Counseling Service
• The Scoop on "Gold" and "Platinum" Credit Card Offers
• Credit Card Loss Protection Offers

#02

• The "Cooling Off Rule"
• Refunds and Exchanges
• Deposits and Restocking Fees

#01

• National "Do Not Call" registry
• "Phishing" - Identity Theft
• Loan Scams