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Military Saves Week 2009 After Action Report Military Saves Week 2009 After Action Report

Agenda • Welcome • Introductions • Initial post-Week Results (staff and around the room) Agenda • Welcome • Introductions • Initial post-Week Results (staff and around the room) • Next steps in reporting and evaluation (Steve) • Re-branding – presentation (time/date/location) • Deployment Savings resource • Youth

America Saves • America. Saves. org visits: – Dec: 31, 705 – Jan: 40, America Saves • America. Saves. org visits: – Dec: 31, 705 – Jan: 40, 414 – Feb: 57, 595 • America. Saves. Week. org visits: – Dec: 6, 017 – Jan: 9, 728 – Feb: 25, 088 • Press Hits: Over 100, including some great local press. Covered by Humberto Cruz, Bloomberg, Jean Chatzky, Chicago Trib, Newsday, US News & World Report

America Saves • Groups: – National/regional/statewide: 130+ – Local groups that filled out participation America Saves • Groups: – National/regional/statewide: 130+ – Local groups that filled out participation survey: 400+ • Savers enrolled – 23 K since beginning of the year – Up to 161 K from 138 K

Top 10 Referring Websites 1. Dodcommunitybank. com 2. Armymwr. com 3. Commissaries. com 4. Top 10 Referring Websites 1. Dodcommunitybank. com 2. Armymwr. com 3. Commissaries. com 4. Infostop. ssfcu. org 5. Military. com 6. Navyfederal. org 7. Americasavesweek. org 8. Navylifepnw. org 9. Stumbleupon. com 10. Webmail. aol. com

Top 10 Viewed Pages 1. Military Saves 2. Enroll Now 3. Resources 4. About Top 10 Viewed Pages 1. Military Saves 2. Enroll Now 3. Resources 4. About Us 5. Why Join 6. Individual Resources 7. Success Stories 8. Organizational Resources 9. Media 10. Graphics Package

Top 10 Countries 1. Spain 2. Japan 3. Germany 4. UK 5. Iraq 6. Top 10 Countries 1. Spain 2. Japan 3. Germany 4. UK 5. Iraq 6. Italy 7. S. Korea 8. Turkey 9. Kuwait 10. Bahrain

Top 10 Unusual Countries 1. Nigeria 2. Russia 3. Cuba 4. China 5. Lebanon Top 10 Unusual Countries 1. Nigeria 2. Russia 3. Cuba 4. China 5. Lebanon 6. India 7. Ukraine 8. Iran 9. S. Africa 10. Vietnam

Most Unusual Endorsement Most Unusual Endorsement

Numbers of visits to militarysaves. org Numbers of visits to militarysaves. org

As of March 11, 2009 As of March 11, 2009

Military Saves Week 2008/2009 Military Savers 1/1/2008 – 3/9/2008 2/24/2008 3/1/2008 1/1/2009 – 3/9/2009 Military Saves Week 2008/2009 Military Savers 1/1/2008 – 3/9/2008 2/24/2008 3/1/2008 1/1/2009 – 3/9/2009 2/22/2009 3/1/2009 Navy 1739 1141 3392 2050 Air Force 4762 2534 5607 2985 Army 3146 1695 5346 3001 Marines 447 337 632 319 13981 7972 18136 10354 Total in Database 12

ABA Military Saves Activity • The ABA Education Foundation, the financial education subsidiary of ABA Military Saves Activity • The ABA Education Foundation, the financial education subsidiary of ABA, promoted America Saves and Military Saves to 8, 000+ bankers through three editions of its e-newsletter, The Spirit of Banking. • In addition, bankers will be asked to report their activities to America Saves/Military Saves in the March edition of The Spirit of Banking.

ASMC • Had email dialogue with VCSAF regarding Mil Saves – He asked A ASMC • Had email dialogue with VCSAF regarding Mil Saves – He asked A 1 to get involved and learned A 1 is involved, hosting campaigns across the AF • Confirmed Mil Saves has booth at ASMC PDI in San Antonio – Working to get volunteers to man the booth – Captured time slot to brief Presidents • Booz Allen hosting Jun event

In. Charge Education Foundation Military Money • Distributed Military Saves information in the Military In. Charge Education Foundation Military Money • Distributed Military Saves information in the Military Money Insider January and February e-newsletter (13, 000 subscribers) • Distributed Military Saves info in the Military. Money. com e-newsletter (2500 subscribers) • Inserted the Military Saves poll on the Military. Money. com website • Attended the Military Saves kickoff event held at the Pentagon

NMFA The National Military Family Association highlighted Military Saves in our feature article of NMFA The National Military Family Association highlighted Military Saves in our feature article of The Voice and participated in the Financial Challenge Event at the Pentagon.

 Office of Personal Finance OUSD (Military Community and Family Policy) 12 March 09 Office of Personal Finance OUSD (Military Community and Family Policy) 12 March 09

Military Saves Campaign 2009 • Letter from Dr. Chu Jan 2009 • Financial Council Military Saves Campaign 2009 • Letter from Dr. Chu Jan 2009 • Financial Council Meeting with Service Personal Financial Managers (PFM) • Coordination meetings/ Do. D Partners • Service Communication Plan • Coordination with OSD public affairs

 Military Saves Campaign 2009 • Military Saves Financial Fair at the Pentagon • Military Saves Campaign 2009 • Military Saves Financial Fair at the Pentagon • DOD Financial Partners participated • Exhibited financial materials and provided information on various financial areas. • All exhibitors were well received by troops and civilians. • Observed senior Service members were interested in TSP, learning about investing and saving money.

 Military Saves Campaign 2009 • Military Saves Roadshow Events: • • • Naval Military Saves Campaign 2009 • Military Saves Roadshow Events: • • • Naval Base San Diego MCRD San Diego Murphy Canyon Chapel San Diego Camp Pendleton (x 2 + Military Youth) MCAS Miramar MCAS Beaufort Parris Island NAB Little Creek USS PELELIU Los Angeles AFB

Military Saves Campaign 2009 Focus on Military Saves throughout the year: 1 st Qtr: Military Saves Campaign 2009 Focus on Military Saves throughout the year: 1 st Qtr: “Save and Invest” 2 nd Qtr: “Military Youth” 3 rd Qtr: “Debt Reduction” 4 th Qtr: “Retirement”

Office of Personal Finance Points of Contacts • CDR Dave Julian, Director David. julian@osd. Office of Personal Finance Points of Contacts • CDR Dave Julian, Director David. [email protected] mil, 703 -908 -6236 • Dr. Randy Eltringham, Program Manager Randy. [email protected] mil, 703 -908 -6374 • Mr. Frank Emery, Program Manager [email protected], 703 -908 -6373 • Ms. Brenda Mc. Daniel, Program Manager Brenda. [email protected] mil, 703 -908 -6372 • Mary Bell, Curriculum Development, 703 -908 -6371 Mary. [email protected] us 1560 Wilson Blvd, Suite 600 Arlington, VA 22202

Air Force - 5, 589 Airmen and Family members took the “Saver’s Pledge”* - Air Force - 5, 589 Airmen and Family members took the “Saver’s Pledge”* - MAJCOM AARs still coming in… - AFSPC (8 bases) reports 72 events and over 1183 event attendees - 20 Military Youth Saves events for all ages - 3 long-term Combat Debt program at FE Warren - 3 Do. D Financial Roadshow events - LA Air Force Base - Davis-Montham - Little Rock - * As of 9 Mar 09

Military Saves – Navy Effort • Command-administered initiative • Significant financial partner involvement • Military Saves – Navy Effort • Command-administered initiative • Significant financial partner involvement • Aggressive media campaign • Broad support by Navy leadership • Military Millionaires in the making • One of hundreds of events during Military Saves Week, Larry Winget talks to Sailors aboard USS PELELIU (LHA 5) Military Saves pledges increased 54% from 2008

USMC • • • Senior Leadership Support Aggressive Marketing Campaign Prominent Guest Speakers Financial USMC • • • Senior Leadership Support Aggressive Marketing Campaign Prominent Guest Speakers Financial Partner Involvement Do. D and FINRA Road Shows Military Saves pledges decreased by 9% from 2008

NGB Family Programs • Military Saves Campaign Information regularly distributed to 54 SFPDs/92 WFPCs NGB Family Programs • Military Saves Campaign Information regularly distributed to 54 SFPDs/92 WFPCs • Financial WEBINAR Classes for Guard Family Training Modules • guardfamily. org website financial information under announcement banners • Field briefed on NGB FP’s Military Saves initiatives through 2009

Air Force Aid Society • Promoted Air Force Saves Week on Website and in Air Force Aid Society • Promoted Air Force Saves Week on Website and in Newsletter • Funded Sammy Rabbit visits to four AF bases: • Davis-Monthan • Holloman • Hill • Wright-Patterson

'Sammy Rabbit' targets younger audience during Military Saves Week by Mr. Jeff Halstead 355 'Sammy Rabbit' targets younger audience during Military Saves Week by Mr. Jeff Halstead 355 th Force Support Squadron 3/2/2009 - DAVIS-MONTHAN AIR FORCE BASE, Ariz. -- Mr. Sam Renick, a children's author, brought "Sammy Rabbit, " a children's character he cocreated, to visit Borman Elementary School and the D-M Child Development Center here Feb. 25, to teach young children about developing good moneysaving habits during the Defense Department's Military Saves Week. "There are 30 lessons we seek to teach the children during the presentation, well beyond the simple lesson of savings, " Mr. Renick said. Mr. Renick read to the kids about Sammy Rabbit, and then they engaged in interactive learning activities. "Even the adults learned something from each session, " says Tracy Canter, Readiness Consultant at the Airman and Family Readiness Center. "We were fortunate to have this event available to our military community. " The Sammy Rabbit presentations were only a small part of the many events held at D-M during MSW. The Airman and Family Readiness Center here also provided free oil changes after completion of a budget, held a Piggy Bank Pageant and Financial Tug of War at the Youth Center, conducted a special class called "Locomotive Finances, " and concluded the week with "Financially Fit to Fight, " an all day colloquium of 16 classes and guest speakers concerning personal finance. Mr. Renick's and Sammy Rabbit's visit to D-M was funded by the Air Force Aid Society.

Navy Marine Corps Relief Society Military Saves 2009 1 st Quarter At 54 Offices Navy Marine Corps Relief Society Military Saves 2009 1 st Quarter At 54 Offices World-Wide NMCRS Partnered with : • Area Coordinators • Navy Fleet and Family Service Centers • Marine Corps Community Services • Local banks • Road Shows

North & South East- 5 Navy • • • Slogan; Feed the Pig Week North & South East- 5 Navy • • • Slogan; Feed the Pig Week Long Program all over the base Recipes, coupon saving Prepared spending plans Table at Fair

Norfolk Area 4 Navy Offices Daylong activities Speakers Tables Signed people up to have Norfolk Area 4 Navy Offices Daylong activities Speakers Tables Signed people up to have spending plans prepared. • Encourage saving • Gathered pledge signers • •

East: 5 Marine Corps Offices Handouts: • recipes that volunteers prepared for a potluck East: 5 Marine Corps Offices Handouts: • recipes that volunteers prepared for a potluck dinner to feed 4 people under $7. 50 or under $10. • Piggy Banks “Feed the Pig” • Gave away Store coupons • Offer to help develop spending plans • Activities w/ MCCS

Southwest: 3 Navy 4 Marine • Replaced all reading materials in office w/ financial Southwest: 3 Navy 4 Marine • Replaced all reading materials in office w/ financial planning info • Clients loved them • Encouraged signing pledge • Planning for Deployment • Developing Spending plan • Military Millionaire workshop

Northwest & Hawaii: Navy • • • Bulletin Boards Area events Signed people up Northwest & Hawaii: Navy • • • Bulletin Boards Area events Signed people up Tables and displays Encourage Spending plans

Overseas: Europe & Far East • Okinawa: Road show; table • Yokosuko: 5 Mile Overseas: Europe & Far East • Okinawa: Road show; table • Yokosuko: 5 Mile Run: Director dressed as Money. Man. • Rota: Table w/ Coupon handouts • Tables at all events Excellent participation most places. High Command leadership is the key!!

 Bangor Washington Bangor Washington

AMBA • Armed Forces Bank and Armed Forces Bank of CA supported campaign – AMBA • Armed Forces Bank and Armed Forces Bank of CA supported campaign – Bank-wide initiatives – Participation in local command-driven activities • Participation ranged from donation of savings bonds and/or refreshments to providing financial education classes

AMBA Bank-wide initiatives • Printed 100 K+ pledge cards for customer statements • Pledge AMBA Bank-wide initiatives • Printed 100 K+ pledge cards for customer statements • Pledge card attachment with Feb e-statements • 25 K pledge cars and distributed to all 59 AFB and AFBCA branches • Promoted week on both websites for 30 days • Waived min balance requirement on regular savings accounts opened during week for 12 mos: 221 opened • Offered savings opportunity for workout loan borrowers. Bank lends borrower an add’l $250 which is placed in a CD at current 12 mo market rate. Once load repaid, borrower has $250 CD plus interest: 325 CDs so far this year

daveramsey. com/militarysaves Super Saving • Watch Online • Download Audio • Download PDF • daveramsey. com/militarysaves Super Saving • Watch Online • Download Audio • Download PDF • Order free DVD Foundations in Personal Finance • Watch Online • Download Audio

Super Saving Lesson PDF 40 Super Saving Lesson PDF 40

Who Received Super Saving DVD • Army - 9 Installations • Navy - 8 Who Received Super Saving DVD • Army - 9 Installations • Navy - 8 Installations • Air Force - 13 Installations • Marine Corps - 1 Installation 54 Navy Marine Corps Relief Society Chapters also received the Super Saving lesson. 41

How They Used the DVD • Financial Fairs • Family Days with a focus How They Used the DVD • Financial Fairs • Family Days with a focus on Finances • Travis AFB used the video as a follow-up to Military Saves by offering Financial Peace University 42

Foundations in Personal Finance Savings Lesson • Youth Curriculum Foundations in Personal Finance Savings Lesson • Youth Curriculum

Evaluation Steve Holt Evaluation Steve Holt

Rebranding 0845 -1100, Wed 25 Mar, ICI, 1401 H St NW Rebranding 0845 -1100, Wed 25 Mar, ICI, 1401 H St NW

Deployment Savings Opportunities Using deployment financial opportunities to boost savings Deployment Savings Opportunities Using deployment financial opportunities to boost savings

Deployment and savings • Making a budget is like deciding how to divide up Deployment and savings • Making a budget is like deciding how to divide up the pie. • Deployment offers • Having more pie opportunities to doesn’t mean make the pie you have to eat larger. more pie. 47

Deployment and financial benefits • • Deployment offers allowances, tax breaks, incentives and special Deployment and financial benefits • • Deployment offers allowances, tax breaks, incentives and special pay. The Department of Defense currently has 70 types of special pays and allowances, depending on your deployment and duty status, branch of service, and duty station on the books • Find detailed information through your service financial office or online through my. Pay 48

What to save during deployment • Combat zone tax exclusion • Pay yourself instead What to save during deployment • Combat zone tax exclusion • Pay yourself instead of the government – As an E-6 with 6 years, you earn approximately $35, 410 per year. – The taxes generally add up to $8, 800. 00 – Set aside $8, 000 in a retirement account with 2% interest for 10 years – Saving earns you $1, 769. 60 49

What to save during deployment – Make extra payments on credit cards, student loans, What to save during deployment – Make extra payments on credit cards, student loans, car loans or mortgages. • A credit card with a $15, 000 balance will never be paid off with the minimum payment. • With a payment of $500/month, it will take nearly 3 years and over $2, 000 in interest to pay off. • A lump sum payment of $8, 000 towards this debt saves more than $1, 500 in interest payments. 50

What to save during deployment • Per diem while TDY – • The difference What to save during deployment • Per diem while TDY – • The difference that $5$10/day can make… – – – • Minimize spending, maximize income and saving Over a week: $35 -$70 Over a month: $140 -$240 Over a year: $1820 -$3640 VS Small saving can be the difference between 1 cup of designer coffee per day and an HDTV – – Paid in cash No debt and no interest payments 51

What to save during deployment • Family Separation Allowance – FSA is payable at What to save during deployment • Family Separation Allowance – FSA is payable at $250. 00 per month and accrues from the day of departure from the home station and ends the day prior to arrival at the home station, in addition to any per diem or other entitlements. • Use this cash for taxes, retirement, credit card and loan payments, college savings, home repairs, etc. • Also consider using it for something that the whole family will enjoy for years. Paying cash always saves you money over using credit! 52

What to save during deployment • Maybe you are • If you pay in What to save during deployment • Maybe you are • If you pay in cash considering a family with your Family vacation after your Separation deployment Allowance Savings, ends…and nothing you pay $1076. says family like Mickey Mouse! • 4 passes for 4 days • If you put this on a credit card and only in Disney World pay the minimum, cost $1076. you will pay more than $2, 600 over 14 years. 53

What to save during deployment • • Live alone? Going to be gone for What to save during deployment • • Live alone? Going to be gone for 3 months? 6 months? a year? Consider renting out your house or apartment for extra cash Subletting allows you to cover your housing costs while you still collect BAH. • Do you rent? – This is a great way to set aside money for a down payment for your first home. • Do you own? – This is a great way to put money aside for home improvements. 54

Ways to save during deployment • Create a rainy day fund – Cash has Ways to save during deployment • Create a rainy day fund – Cash has its advantages that credit and longterm accounts don’t offer – Short term savings can really save you from the unexpected 55

Ways to save during deployment • See you local credit union or military bank Ways to save during deployment • See you local credit union or military bank to learn more about: – Basic Savings Accounts – Certificates of Deposit – College Savings Accounts – IRAs and other retirement accounts – Investment options 56

Ways to save during deployment • Get sound advice. • Online, check out saveandinvest. Ways to save during deployment • Get sound advice. • Online, check out saveandinvest. org for Money & Mobility, information specifically for military personnel and their families • See a Personal Financial Manager at you Installation or arrange a consultation with a Certified Financial Planner through Military One. Source. 57

Ways to save during Deployment • Saving Deposit Program (SDP) – For military members Ways to save during Deployment • Saving Deposit Program (SDP) – For military members deployed in combat zones, qualified hazardous duty areas, or certain contingency operations – Annual interest rate of 10% • E-6 salary after 6 years=$35, 410 • • Save 10%=$3, 451 After 12 months in SDP savings = $3, 809 Reward for saving = $358 Save the maximum = $10, 000 After 12 months in SDP, savings = $11, 038 Reward for saving = $1, 038 • • 58

Ways to save during deployment • TSP is a Federal Governmentsponsored retirement savings and Ways to save during deployment • TSP is a Federal Governmentsponsored retirement savings and investment plan. • For more detailed information, visit http: //www. tsp. gov 59

Join a community of savers 60 Join a community of savers 60

Facebook Facebook

Military Saves on Facebook • Reaches a large military audience in their homes • Military Saves on Facebook • Reaches a large military audience in their homes • Utilizes the existing network of military personnel on Facebook to spread a message of financial readiness with fans of the page and with their peers • Updates from Military Saves can easily be sent to all fans. Updates are seen on a fan’s wall by their “friends”, generating great exposure

Mission: To Promote Financial Readiness… The page will: • Disseminate information & resources • Mission: To Promote Financial Readiness… The page will: • Disseminate information & resources • Provide education • Encourage fans to explore www. militarysaves. org and take the "Saver Pledge” • Enable discussion and create a forum for support, encouragement and knowledge sharing among page fans.

Overview and Layout: The WALL The wall is the first page visitors see when Overview and Layout: The WALL The wall is the first page visitors see when arriving at Military Saves on Facebook. The Wall features: • Tabs to navigate the page, • A Greeting/By-line • Fans Box: displays who and how many fans there are • The Wall itself: Status updates and comments from visitors are displayed here.

The Wall, continued… The wall also features: • A Military Saves Score Board • The Wall, continued… The wall also features: • A Military Saves Score Board • The Saver Pledge with link to www. militarysaves. org, and • A brief snippet from the Message tab

Tabs • Message: A personal message from a noted authority in the field of Tabs • Message: A personal message from a noted authority in the field of personal finance. (IE. Beth Kobliner, Suze Orman, Dave Ramsey, etc. ) • Discussion: Addressed on next slide • Resources: List of links to other useful and pertinent websites • Boxes: photos, videos, and events can be posted here

DISCUSSION BOARD The discussion board is a center for sharing, learning, support and encouragement. DISCUSSION BOARD The discussion board is a center for sharing, learning, support and encouragement. Here, page visitors can post their triumphs, trials, concerns and questions.

Goal Military Saves’ Page on Facebook will: – Enhance the online presence of the Goal Military Saves’ Page on Facebook will: – Enhance the online presence of the campaign working along with www. militarysaves. org, – Provide servicemembers with an accessible forum for support, sharing, and learning, and – Assist servicemembers in attaining financial success.

Military Youth Saves on Facebook • Military teens are center of gravity – “owners” Military Youth Saves on Facebook • Military teens are center of gravity – “owners” of military youth saves • All service/all component network of participating teens – Facebook, google groups, etc • Cultural core – individual participation – with leadership opportunities and outreach to local community

Military Youth Saves on Facebook – Military Saves • Monitors internet forums • Provides Military Youth Saves on Facebook – Military Saves • Monitors internet forums • Provides new materials, shares ideas, assists with problem solving • Tracks membership, participation and projects – OSD/Services • Promote coordination with youth leaders • Continuous access and occasionally monitor forum activity • Provide new materials and share ideas

Military Youth Saves on Facebook – Teens & Installation Programs • Programs will provide Military Youth Saves on Facebook – Teens & Installation Programs • Programs will provide local guidance for events • Teens will coordinate and assist with events locally for young children • Installations offer support and assistance – Networking • With each other • With professionals (career learning opportunities in finance? ) • With the America youth saves network

Reception invitation: CFA’s Consumer Assembly, 17001800 today, Embassy Suites, 900 10 th St NW Reception invitation: CFA’s Consumer Assembly, 17001800 today, Embassy Suites, 900 10 th St NW (at K St)

Next Meeting 2 June - ue 2 Jun 09, Booz Allen Hamilton courtesy of Next Meeting 2 June - ue 2 Jun 09, Booz Allen Hamilton courtesy of ASMC rep