WHAT IS FINANCIAL PEACE UNIVERSITY? FINANCIAL READINESS IS MISSION READINESS

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1 INFORMATION GUIDE

2 FINANCIAL READINESS IS MISSION READINESS Money stress is a serious distraction. It s hard to concentrate on the mission at hand while wondering if all of the bills are going to get paid. 56% of enlisted military personnel report difficulty with their finances. (Military Family Research Institute) Financial difficulty is the number one reason sailors lose their security clearance. (Seapower, June 2006) 5 out of 10 are in over their head with their own expenses. (Military Family Research Institute) WHAT IS FINANCIAL PEACE UNIVERSITY? Financial Peace University trains thousands of servicemembers every year with informative, video-driven lessons. They are empowered to get their finances under control as FPU: Addresses all areas of personal finance including budgeting, paying off debt, giving, saving for emergencies, and building wealth for retirement. Provides the security of a sound financial plan during times of activation, deployment, TDY or PCS. Results in an average attendee payoff of $5,300 in debt and personal savings of $2,700, just during the course. Offers military bonus material on topics like the Thrift Savings Plan, the G.I. Bill, and the SGLI, SBP and DIC program.

3 THE BENEFITS OF FINANCIAL PEACE UNIVERSITY In the first half of FPU, class members will learn to beat debt by: Saving money like never before Getting out of debt for good using the debt snowball Maintaining a healthy budget during deployment Reducing money fights Maintaining security clearance Eliminating financial distractions and increasing mission readiness FINANCIAL PEACE UNIVERSITY MATERIALS The Membership Kit (One per participant) Includes all materials necessary for an individual or married couple to complete their training. In the second half, class members will learn to build wealth by: Devising a solid plan for retirement, even early retirement Investing wisely and purchasing insurance with confidence Making great decisions about real estate and mortgages The results? Freedom to live and give like never before even to travel on those 30 days of leave! The Leadership Kit Includes DVDs, promo tools and one Membership Kit for the course coordinator.

4 FINANCIAL PEACE UNIVERSITY LESSONS Each lesson is taught by Dave Ramsey on video. After the video, class members will engage in discussion and accountability led by a class coordinator where they will build camaraderie, unity and teamwork! There is power in a group setting. Lesson 1 Lesson 2 Lesson 3 Lesson 4 Lesson 5 SUPER SAVING Common Sense for Your Dollars and Cents RELATING WITH MONEY Nerds and Free Spirits Unite! CASH FLOW PLANNING The Nuts and Bolts of Budgeting DUMPING DEBT Breaking the Chains of Debt CREDIT SHARKS IN SUITS Understanding Credit Bureaus and Collection Practices Lesson 6 Lesson 7 Lesson 8 Lesson 9 Lesson 10 Lesson 11 Lesson 12 Lesson 13 BUYER BEWARE The Power of Marketing on Your Buying Decisions CLAUSE AND EFFECT The Role of Insurance in Your Financial Plan THAT S NOT GOOD ENOUGH! How To Buy Only Big, Big Bargains OF MICE AND MUTUAL FUNDS Understanding Investments FROM FRUITION TO TUITION Planning for Retirement and College WORKING IN YOUR STRENGTHS Careers and Extra Jobs REAL ESTATE AND MORTGAGES Keeping the American Dream from Becoming a Nightmare THE GREAT MISUNDERSTANDING Unleashing the Power of Generous Giving

5 Financial Peace Military has been offered on military installations worldwide West Point, NY The Pentagon Fort Bragg, NC Fort Knox, KY Fort Drum, NY Eglin AFB, FL Fort Hood, TX Fort Campbell, KY Marine Corps Base, HI Fort Jackson, SC Tinker AFB, OK Pope AFB, NC Schofield Barracks, HI Moody AFB, GA Kirtland AFB, NM Beale AFB, CA Camp Lejeune, NC USAG Schinnen, ITALY RAF Lakenheath, ENGLAND Ramstein Air Base, GERMANY Incirlik Air Base, TURKEY Balad Air Base, IRAQ Camp Bucca, IRAQ AFGHANISTAN BAHRAIN Camp Zama, JAPAN Yokota Air Base, JAPAN Kadena AFB, JAPAN Camp Humphreys, SOUTH KOREA *not a complete listing

6 STARTING YOUR FINANCIAL PEACE UNIVERSITY CLASS You can get the class started on your installation with these steps. GET APPROVAL Contact a decision-maker on your installation (usually your commander or chaplain) to have FPU approved. CHOOSE CLASS DATES Secure a class location and lock down dates. FREE PREVIEW Schedule a free class preview two weeks before the first class. Promote it heavily on your installation with the free tools on our website. At this event, you will show a 25-minute video. ENROLL PERSONNEL Have class registration available at the preview and as you continue to promote on your installation. Collect payment as necessary. ORDER KITS Order class materials online at daveramsey.com/military or by calling Allow 7 to 10 business days for delivery. REGISTER CLASS ON THE CRC Visit our online military Coordinator Resource Center to register your class. This will give you access to additional class resources. SIGN COORDINATOR AGREEMENT Read and sign our coordinator agreement, and then fax it to START CLASS Kick off your class with Lesson 1, and watch the life-change begin! COMMUNICATE WITH YOUR MILITARY ADVISOR Stay in contact with your military advisor by calling to get answers to your questions and guidance as you lead FPU.

7 REPORTS FROM MILITARY PERSONNEL LIKE YOU Richard Schredl, Retired CW3, U.S. Military FPU is a great benefit for the military. Military members receive a lot of money, but they don t know how to use it. They get themselves in trouble at home and then get deployed. When the family back home starts getting creditor calls, it affects the soldier s ability to do his job. Rob Woodmansee, Lt. Colonel, U.S. Military Serving in the military is about taking care of your fellow soldiers. If you can t focus your entire attention on your job because of other distractions, you re not going to be ready to do what you need to do. Nancy Sheridan, Spouse, U.S. Military Scott Morris, Major, U.S. Military Financial readiness and mission readiness are directly related. If a soldier is distracted by financial problems, he isn t as effective. The greatest benefit of Financial Peace University for the deployed military member is the peace of knowing that, if the family s finances are in order, he has something stable to come back home to.

8 ABOUT THE FOUNDER OF FPU Dave Ramsey, a personal money management expert, is an extremely popular national radio personality and author of the New York Times bestsellers The Total Money Makeover, Financial Peace and More Than Enough. On October 15, 2007, Ramsey added television host to his title when The Dave Ramsey Show on The Fox Business Network debuted nationally. Ramsey knows first-hand what financial peace means living a true rags-toriches-to-rags-to-riches story. By age twenty-six he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and now devotes himself full time to helping ordinary people understand the forces behind their financial distress and how to set things right financially, emotionally and spiritually. He resides with his wife Sharon and their three children in Nashville, TN. ON THIS DVD Use these video clips to share the value of FPU with military leadership and servicemembers. Video 1 Video 2 Video 3 Video 4 Video 5 MILITARY LEADER VIDEO (8:00) An executive summary of the class preview MILITARY PREVIEW (25:00) Information about FPU for servicemembers PUBLIC PREVIEW (25:00) A non-military version of the class preview MILITARY TESTIMONY (6:00) Personal results from servicemembers like you MILITARY BONUS LESSON (25:00) Military topics like the SCRA, TSP, real estate and more

9 daveramsey.com/military Copyright 2011 Lampo Licensing, LLC Neither Financial Peace Military Edition nor the Department of Defense is affiliated with, endorses or favors any company that sells or markets financial products or any commercial supplier of any product or service. Program, discs, inserts, package content and design 2011 by Lampo Licensing, LLC Mallory Lane, Brentwood, TN All trademarks and service marks are owned by The Lampo Group, Inc. All rights reserved. All third party trademarks and service marks used herein, and all material herein attributed to copyrighted sources, are used by permission of the rightful owners.