Pre-Purchase Information and Advice
Complaint Resolution and Requests for Assistance
Consumer Affairs Tabloid
Providing solicitation information and service.
Processing applications for permits to do business on post.
Issuing and annually renewing permits.
Monitoring the actions of the permit holders for regulation compliance.
Initiating investigations upon receiving complaints of violations of AR 210-7, FH Regulation 210-7 Supplement and FH Regulation 210-5.
The objective of the program is to enhance and maintain mission readiness and quality of life by providing Soldiers and their family members a ready-made program to help achieve personal financial readiness and deployability through the use of sound money management and consumer skills.
AER is private nonprofit organization whose sole mission is to collect and hold funds to relieve financial distress of Soldiers and their family members. Although a private organization, AER exists solely for the Soldier. AER belongs to all Army people, active, retired, and the spouses and orphans of deceased Soldiers.
Approval of an AER loan is based on the need created by an emergency beyond the control of the Soldier. Although each loan application is considered on its own merit, the AER office should be the last aid station when all other agencies have been unable to assist (Red Cross, Finance, other ACS programs, etc. AER will consider cases in the following areas:
AER is unable to provide assistance for abortions, bad checks, civilian court fees, fines or judgments, bail bonds, liens, legal fees, credit card bills, telephone bills, marriages, divorces, ordinary leaves or vacations, liquidation/consolidation of debts, overdrawn bank accounts/overdrafts, state or federal income taxes. Soldiers applying for AER assistance must first see their Command Financial Specialist (CFS). The CFS will then schedule an appointment with the AER office. The unit commander must sign all AER Forms 600 or 700. Application of Financial Assistance. The primary goal of AER is to meet every valid emergency for the Soldier and the family member. Continued command and individual support, prompt repayment of loans, and the use of the AER Program for valid emergencies will ensure the continued availability of AER funds for all Soldiers.
Commanders' Referral Program
Once the Commander/First Sergeant has approves the request the Soldier will bring the following directly to the Army Emergency Relief (AER) Office, Rivers Building 121, Room 129:
The following ranks are not required to obtain their Company Commander or First Sergeant’s signature on AER Applications when they are requesting financial help for themselves:
Learn how to read and understand your credit report; how a credit score is determined and how you can improve your score. Learn how to correct errors found on your credit report which can reflect on your credit score. Also, you will learn how to understand the calculation of finance charges and how to lower your interest rate.
Discover the differences in banking institutions. This class places emphasis on record keeping and personal organization of finances.
This class teaches how to create an accurate budget/spending plan that you can stick to and that meets your need; plus information and strategies for managing personal debt; how to escape its clutches and improve your credit score.
Saving and Investing
This class provides and overview of all types of saving and investment products; this class covers the basic information needed to understand how savings plans and different types of investments work. The topics covered include IRA’s, 401K’s, TSP, 529 plans, and money markets accounts.
Students will learn the basics of understanding insurance. The instructor will discuss the different reasons for purchasing insurance (life, auto, home, and renter’s).
Buying your first home can be overwhelming. You will learn home buying terms such as down payment, mortgage, escrow, financing, home inspection, survey, property taxes, fees, titles, insurance, and legal responsibilities.
Consumer Affairs and Identity Theft
The goal of this class is to help the soldier and their families make smart consumer decisions and how to avoid problems in our increasingly complex marketplace. Subjects include purchasing a car and auto repairs; dispelling myths and avoiding scams; telemarketing, internet and mail fraud schemes; consumer laws, and many other topics. Information is provided on how to resolve disputes effectively and what role local, state, and federal agencies play in protecting consumers.
FREE CREDIT REPORTS: www.annualcreditreport.com or 1-877-322-8228 (To schedule an appointment to review your credit reports call 287-2489.)