Financial Readiness Program

Click here for a pdf version of the Off-Limits Establishments Memorandum

As of January 22, 2025, these establishments/areas are declared off-limits to military personnel. If in any case the name or owner has changed, the address shall remain off-limits.

Establishments:

Oak Grove, Kentucky

• Kingsdale Trailer Park, Banks Road, Christian County, Kentucky.

• Shady Oaks (Previously known as Brayboys), 554 Thompsonville Lane.

• Carter's Mobile Home Park, 9351 Pembroke Oak Grove Road.

• Adult Toy Box & Tobacco Super Store (Toy Box & Stuff) 15708-D Ft Campbell Blvd.

• Let Freedom Reign, or any solicitation business operated by Bob Gaskins.

• Any current or future business owned, operated or having proprietary interest in by Mr. Basel Ghalayini.

Hopkinsville, Kentucky

• Performance Transmission, 602 S. Virginia Street (Also known as: American
  Transmission Center, Gateway Transmission Center, Budget, Budget Automobile,
  Budget Transmission Center, All Pro Transmission Center, American Transmission
  Center, American Discount Transmission, Gateway, Clarksville Transmission Center,
  Cottman Transmission, Tranzmaster Transmission, AAMCO and ACG Transmission), or
  any future automotive repair shop owned and/or operated by Joe or Josh Chisenhall.

• Let Freedom Reign, or any solicitation business operated by Bob Gaskins.

Clarksville, Tennessee

• Darnell Mobile Home Park, 290 Darnell Street, Clarksville, TN 37042.

• Church Court Apartments, 207 Church Court, Clarksville, TN 37042.

• Blue Sky Estates, 920 Power Street, Clarksville, TN 37042.

• Live Oaks Village Mobile Home Park, 708 Providence Boulevard (New Providence Mobile Home Park / Shady Rest Mobile Home Park), Clarksville, TN 37042.

• Ringgold Creek (only off-limits for swimming), Fort Campbell Boulevard / 41 A.

• Laptoyz / Britlee / MilitaryZone.Com (Or operated in Governor's Square Mall or any other location in the State of Tennessee).

• Prewitt's Mobile Home Park, 2424 Whitfield Road, Clarksville, TN 37040.

• Atlas Transmission, 113 Hornberger Lane, Clarksville, TN 37040 (Also known
  as: Performance Transmission, American Transmission Center, Gateway Transmission
  Center, Budget, Budget Automobile, Budget Transmission Center, All Pro Transmission
  Center, American Transmission Center, American Discount Transmission, Gateway,
  Clarksville Transmission Center, Cottman Transmission, Tranzmaster Transmission,
  AAMCO and ACG Transmission or any future automotive repair shop owned or operated
  by Josh or Joe Chisenhall).

• Let Freedom Reign, or any solicitation business operated by Bob Gaskins.

• American Financial Systems, Joseph Huff (Proprietor).

• WC Inc, (William Cosgrove, Sales Rep) 39 South La Salle Street, Suite 1125, Chicago, IL.

• Lee's Lounge, 2481 Fort Campbell Boulevard, Clarksville, TN 37042.

• Winner's Circle Motel, 3430 Fort Campbell Boulevard, Clarksville, TN 37042.

• Storage Rentals of America, 519 Lafayette Road, Clarksville, TN 37042.

• Storage Rentals of America, 650 Huntco Drive, Clarksville, TN 37043.

• Devon Self Storage, 1683, Fort Campbell Boulevard, Clarksville, TN 37042.

• Any business owned or operated by Amber Warford.

• Superior Carpentry or any business owned or operated by William Coffee.

• N'Quire Bar & Lounge, 700 N Riverside Drive, Clarksville, TN 37040.

Nashville, Tennessee

• Military Housing Department and any business operated by Mr. Thomas E. Bowen, wherever it may be located.

Areas

• All bodies and streams of water on Fort Campbell are off-limits for unauthorized water sports and activities.

• All rock quarries, both active and abandoned, within Kentucky and Tennessee are off­ limits for all purposes. The only exceptions to this prohibition are:
  - The Cerulean Spring Quarry, Cadiz, Kentucky, may be used for scuba diving only during operating hours.
  - Martha's Quarry, located east of Lebanon, Tennessee may be only used by certified divers and dive students accompanied by a certified instructor. Due to the high cliffs, non-diving recreational use is not permitted.
  - Cowan Quarry, located south of Cowan, Tennessee, and may be only used by certified divers and dive students accompanied by a certified instructor. Due to the high cliffs, non-diving recreational use is not permitted.
  - Hopkinsville Diving Quarry, located off exit 9, adjacent Pennyrile Parkway, and 680. Non-diving recreational use is not permitted.

Military personnel observed in off-limits establishments are in violation of a lawful general order and are subject to apprehension for violation of Article 92, UCMJ.

This off-limits list supersedes the Off-Limits Establishments memorandum dated October 24, 2023.

Off-Limits Establishments are prohibited from advertising on the Installation.

Point of contact for this action is the Director of Emergency Services at 270-412-0176.

One-on-One Financial Counseling: Whether you are just starting your career, or are close to retirement, ACS Financial Readiness Accredited Financial Counselors are here to set you up for financial success. From building a spending plan and managing debt to smart investing and retirement planning, we can help you take charge of your hard earned money.

Start with creating your Spending Plan:
👉 Click Here to View 👈

• Consumer complaint mediation
• FREE Carfax reports
• FREE credit reports and scores
• Help with identity theft
• Review of any contract, agreement, lease, or policy- PRIOR to SIGNING

Check your free annual credit reports:

http://www.annualcreditreport.com

Army Emergency Relief (AER) is a private, non-profit organization established in 1942 to assist Soldiers and their Family members in emergency financial situations due to no fault of their own. Financial assistance is given in the form of an interest-free loan, grant, or combination of the two. Loans are repaid by an allotment. AER funding comes from donations.

 Required Forms for Assistance- AER Form 101, AER Form 57, AER Form 575

AER Forms are available at:

https://www.armyemergencyrelief.org/resources/

To apply for AER assistance, manage your current loan, make a payment, or to donate to AER:

https://www.armyemergencyrelief.org/

Want to reduce the amount you owe on your AER loan? Improve your financial knowledge and receive a $250 or $500 credit on your current loan balance by watching the Financial Literacy Training videos at  www.financialfrontline.org and completing a short quiz within 90 days.  (Members of Active, Guard and Reserve Only)

Education Program is AER's secondary mission- to help Army Families with the cost of education. For more information or to apply for one of the scholarships please visit:

https://www.armyemergencyrelief.org/scholarships/

Quarterly Class Offerings at ACS 

Milestone: Vesting in the TSP (Offer 1^st Wednesday of each quarter 1000-1130) Pre register using (FORM) https://forms.osi.apps.mil/r/H9Mib8LiPf

This course will cover the TSP benefits and components of the Blended Retirement System. In this TSP course learn all about Roth vs traditional, the different TSP funds, and how compound interest can impact a defined contribution plan! Certificates are earned and can be turned into DTMS for credit on all Milestone Classes. Request this course via ACS FRP Form or have Soldiers enroll at financialfrontline.org for an asynchronous learning experience.

Milestone: Continuation Pay (Offer 1^st Wednesday of each Quarter  0900-1000) Pre register using (FORM) https://forms.osi.apps.mil/r/H9Mib8LiPf

This class is for service members that are between 7-12 years of service and enrolled in the Blended Retirement System. Do you know about Continuation Pay? This one-time bonus is a part of BRS and must be elected prior to the 12^th year of service. Be sure to come to the training to get your certificate required in your continuation pay packet! Certificates are earned and can be turned into DTMS for credit on all Milestone Classes. Request this course via ACS FRP Form or have Soldiers enroll at financialfrontline.org for an asynchronous learning experience.

Milestone: Marriage

Getting married soon, then be sure to complete your financial literacy requirement of Marriage in the Military. This training will go over military benefits and financial conversations to have with your future spouse! Already married? This will cover some things to consider or ways to communicate about money! Great for all couples navigating how to budget or figure out finances together. Certificates are earned and can be turned into DTMS for credit on all Milestone Classes. Request this course via ACS FRP Form or have Soldiers enroll at financialfrontline.org for an asynchronous learning experience.

Milestone: First Child

A lot changes when you have a baby and finances are no different. Have you looked at your budget and added in the extra costs? Do you know what benefits you have as a military member to help with raising children or where to go to make sure you make the needed changes? Come join us to budget for baby and plan ahead for all the new baby needs! Certificates are earned and can be turned into DTMS for credit on all Milestone Classes. . Request this course via ACS FRP Form or have Soldiers enroll at financialfrontline.org for an asynchronous learning experience.

Milestone: Divorce

Financial situations can arise from divorce, and it can be a good time to look at the budget and plan for those changes. If you are in the military, you may need to plan and look at benefits to make sure all information is updated post-divorce. Come take advantage of this training and get a checklist for things you may want to update finically as a separated or divorced service member. Certificates are earned and can be turned into DTMS for credit on all Milestone Classes. Request this course via ACS FRP Form or have Soldiers enroll at financialfrontline.org for an asynchronous learning experience.

Milestone: PCS

Moving expenses? New BAH? Monthly bill changes? You need a new budget. Request this course at the unit for incoming service members or have them enroll at financialfrontline.org for an asynchronous learning experience.

Milestone: First Duty Staton

This class can be requested at the Brigade or Battalion level for all incoming service members. This course is meant to be completed by all incoming service members within 6 months of their arrival date to the first duty station per  NDAA 2025 and DODI 1322.34. Course should be completed at AIT but if not, request this course or have Soldiers enroll at financialfrontline.org for an asynchronous learning experience. Certificates are earned and can be turned into DTMS for credit on all Milestone Classes

Milestone: Pre-Deployment

This class is designed to be conducted before a deployment to help soldiers prepare for financial issues that may occur while they are gone. There is a pre-deployment checklist we go over and how each aspect of finance can be impacted Certificates are earned and can be turned into DTMS for credit on all Milestone Classes. Request this course via ACS FRP Form or have Soldiers enroll at financialfrontline.org for an asynchronous learning experience.

Milestone: Post-Deployment

This class is designed to help get finances on track after deployment. A check-in with the budget and finances once they’ve returned Certificates are earned and can be turned into DTMS for credit on all Milestone Classes. Request this course via ACS FRP Form or have Soldiers enroll at financialfrontline.org for an asynchronous learning experience.

Class: ACS Military Money Management

This class covers what ACS Financial Readiness can do, reading a Military LES, understanding the local sales tax, service member benefits with SCRA or MLA, credit pitfalls, compounding interest, car buying cautions and why you should budget. Only offered via ACS Financial Counselors. No Certificate is earned for the completion of this course.

Training: Car Buying

Want to buy a car? Need help determining what to spend? Understanding dealer add-ons or financing? Let us teach you all about buying a car, pitfalls, cautions and things to look out for as you shop. No Certificate is earned for the completion of this course.

Training: Home Sweet Home

This is an introduction to home buying course for first time buyers or those planning to buy in the next 6-24 months. This class will teach you how to determine your budget, compare loans and lenders, and understand home buying needs, benefits and risks. No Certificate is earned for the completion of this course.

Training: Credit Management

This is an introduction to all things credit! How do credit scores work and how are they calculated? What is the true cost of borrowing money? How do you start building credit? Where can you go to look at credit? How can you protect yourself from predatory lending or identity theft? How is interest determined on loans or credit cards? Learn how to manage your credit in this ancillary training. No Certificate is earned for the completion of this course.

For DOD Civilians:

Training: TSP and Money Management

This class is designed for civilian employees that have the TSP benefit and want to know more about TSP, fund options and ways to maximize contributions. This will cover some general retirement information on TSP and there are also some helpful money tips and tricks and things to be cautious of.

To request a class click the link below or use our QR code:

https://forms.osi.apps.mil/r/G6w8zt5jTs

https://finred.usalearning.gov/assets/downloads/FINRED-Spendingplan-TK.pdf

https://www.financialfrontline.org/

https://www.investor.gov/

https://www.tsp.gov/

https://www.annualcreditreport.com/index.action

https://www.bbb.org/local-bbb/bbb-of-middle-tennessee

https://www.ftc.gov/

https://www.kbb.com/whats-my-car-worth/