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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like la familia, education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.
Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.
UPCOMING EVENTS
Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed.
PREVIOUS EVENTS
RESOURCES AND TOOLS
Friday, Nov 8, 2024 at 8:45 a.m. CT
Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station
St. Louis, MO
Saturday, Nov 9, 2024 at 9:00 a.m. CT
Dennis & Judith Jones Visitor & Education Center
St. Louis, MO
Tuesday, Nov 12, 2024 at 6:00 p.m. CT
Online Event
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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; } h1.article-headline { margin: 0 0 1rem; } </style> <!-- <style> .Enhancement-item .Figure { margin-bottom: 24px; } .RichTextArticleBody-body ul { margin-bottom: 24px; } .RichTextArticleBody-body p{ margin: 12px 0; } .RichTextModule-items { clear: both; display: table; width: 100%; margin-bottom: 12px; } .VideoEnhancement>* { color: var(--primaryTextColor); font-size: 13px; font-weight: 400; line-height: 1.4; font-style: italic; background: #f0efed } @media only screen and (min-width: 768px) { .VideoEnhancement>* { font-size:14px; font-weight: 400; line-height: 1.47 } } .VideoEnhancement-title { padding: 20px } @media only screen and (min-width: 768px) { .VideoEnhancement-title { padding:30px } } .VideoEnhancement-player>* { position: relative; width: 100%; height: 0; padding-bottom: 56.25% } .VideoEnhancement iframe { border: 0; position: absolute; top: 0; left: 0; width: 100%; height: 100% } [data-video-player] { display: block; padding-bottom: 56.25%; height: 0; margin: 0 auto; } [data-video-player][data-aspect-ratio="4x3"] { padding-bottom: 56.25%; } [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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$viewFile = '/var/www/vhosts/vcc_staging/app/View/Layouts/aarp_2023.ctp' $dataForView = array( 'content_for_layout' => '<div class="row twoColumnLayout"> <div class="col-md-8 left-rail"><div class="module clearfix"><div class="ar-basic-box"> <div> <div class="module-spacer"> <header><h1 class="article-headline">Financial Series - Let's Talk Dinero with AARP</h1></header> <div class="posted-on"> Posted on 10/29/24 by <b>Priscilla Orpinela-Segura</b> </div> </div> <div class="module-spacer"> <span class="blog-content"><p><div class="RichTextArticleBody"> <div class="RichTextArticleBody-body"><p>Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ', 'scripts_for_layout' => '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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There are competing responsibilities, like <i>la</i> <i>familia, </i>education, work, social groups and more. Having a strong financial plan will help you and your family be better prepared for the future, whether it’s saving for emergencies and retirement, reducing debt, owning a home, or starting a business. Regardless of what your short and long-term financial goals are, we can help.<br><br>Let’s Talk Dinero with AARP™ is a monthly series that will connect you to information and resources to build financial resilience and security. We’re partnering with financial experts across the state to talk about asset protection, debt management, caregiving costs, retirement planning, entrepreneurship and more.<br><br><b><u>UPCOMING EVENTS</u></b><br>Events are held the fourth Monday of every month at 4 p.m. unless otherwise listed. <br><br><br><br><b><u>PREVIOUS EVENTS</u></b><br></p><ul><li><b>Fraud Prevention during the Holidays</b><br>Discover common scams during the holiday season and learn how to protect your information and dinero. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZsdrysjWBAc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Scam Protection"></iframe></div> </div></li></ul><ul><li><b>Using Your Home Equity </b><br>Learn how to use your home's equity! Get information on how to access home equity, evaluate its benefits and drawbacks, compare refinancing for cash-out and home equity line of credit and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/j2J-6upIEb0?start=8&feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Home Equity"></iframe></div> </div></li><li><b>Navigating Long-Term Care </b><br>Did you know that planning for long-term care will help protect your assets and overall well-being? <i> </i>Hear from a financial professional and learn how to navigate long-term care and plan for the future. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/uCyZkyGNJnA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Navigating Long Term Care"></iframe></div> </div></li><li><b><i>Navigating Student Financial Aid </i></b><br><br>Are you helping a student prepare for college? Get the FAQs about financial aid! Join us on Thursday, May 30 at 4 p.m. and discover how to finance your student’s college, learn how to navigate financial aid applications, and identify sources of financial assistance. </li></ul><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/4tz5rlB5eM8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="AARP CA - Let's Talk Dinero: Navigating Financial Aid for College"></iframe></div> </div><p></p><ul><li><b><i>Preparing Your Nest Egg </i></b><br>How much dinero will you need for retirement? During this workshop, you'll learn how to invest in your nest egg, get tips to maximize your retirement savings, and connect to resources for financial security.<br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/rl2sxKOZZKU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Preparing Your Nest Egg"></iframe></div> </div></li><li><b><i>To Buy or Not to Buy </i></b><br>What does the housing market look like today; should you buy, refinance or invest? Learn about the state of housing market, the overall impact of the economy, resources available, information on interest rates and more. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/ns2eJXeZ5qg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: To Buy or Not to Buy?"></iframe></div> </div></li><li><b><i>Your Money Health</i></b> <br>Learn how to evaluate your financial health and get tips to improve money habits to help you meet your short and long-term goals. <br>Click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://fb.watch/tnW1Tfdj5O/" target="_blank" rel="noopener noreferrer">HERE </a></span></span>to view the recording.<br> <br></li><li><b><i>Protect Your Corazón and Dinero</i></b><br>Keep your <i>corazón </i>and <i>dinero </i>protected this holiday season. Hear from the FTC about the latest scams, the top tactics that scammers are using, and steps to take if you or someone you know is a victim of a scam. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/JPy9Ud9bdHo?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Protecting Your Corazon and Dinero"></iframe></div> </div></li><li><b><i>Estate Planning for Caregivers </i></b><br>Join us for a chat with two attorneys about estate planning, including estates, wills, probate matters, conservatorships and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/kEQc613Bqpg?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Financing Your ADU </i></b><br>Hear from a mortgage professional about the ADU financing options available, including grant programs and loans; required credit scores and documentation needed; and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/K-hOpG4QvTU?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero with AARP: Financing Your ADU"></iframe></div> </div></li><li><b><i>Quick and Easy Business Plan </i></b><br>Whether you’re a new or experienced entrepreneur, having a well-defined business plan will help your <i>negocio </i>expand and grow. You'll get a step-by-step process to build a business plan, learn how to define your target audience, get tips on your brand and marketing strategy and more! <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/0nAuLW5cErY?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Quick and Easy Business Plan"></iframe></div> </div></li></ul><ul><li><b><i>Protecting Yourself from Scams </i></b><br>Hear from the Federal Trade Commission about the top scams in 2023, what to do if you or a <i>ser querido</i> has been a victim of fraud <i>y más</i>. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/EXkbTDycLz4?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Protecting Yourself from Scams"></iframe></div> </div></li><li><b><i>Tax Season is Always in Season </i></b><br>Did you know that the IRS has extended the tax deadline for California storm victims? Hear from Luis Rosa, a certified financial planner, about tax season, the impact of taxes on Medicare premiums, taxes on Social Security benefits, how to make the most of your tax return and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/u3lctMPfRWA?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Tax Season is Always in Season"></iframe></div> </div></li><li><b><i>Personal Branding and Social Media </i></b><br>Having the right online presence can mean more business, more clients, and more revenue. Hear from author and international speaker, Deborah Deras, about personal branding and social media. Learn how to create a personal brand, use social media to convert likes into sales, sell online and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/DFdvxL40rMQ?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Personal Branding and Social Media"></iframe></div> </div></li></ul><ul><li><b><i>Financial Wellbeing </i></b><br>Financial wellbeing is described as the extent to which an individual feels that their financial situation provides security, future stability, and freedom of choice. Learn how to build financial wellbeing and resilience, habits to improve financial health, and tips on budgeting during inflation and uncertain times. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="450" src="https://www.youtube.com/embed/05bABFtJjj8?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Financial Wellbeing"></iframe></div> </div></li></ul><ul><li><b><i>Estate Planning </i></b><br>Hear from attorney Daniela Hernandez about probate matters, including wills, trusts, conservatorship proceedings and trust administration. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/CDWCo-FUg68?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Estate Planning"></iframe></div> </div></li><li><b><i>Debt Management </i></b><br>Hear from Financial Coach, Isabel Duran De Gallegos, about how to increase credit scores, tactics to negotiate collection accounts, tips to pay down debt and more. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/V1LwqSqBK6s?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero: Debt Management"></iframe></div> </div></li><li><b><i>Entrepreneurship - Creating a Business Plan - RECORDING PENDING</i></b><br>Are you an entrepreneur? Learn about local resources to help you grow and expand your businesses, and get tips to develop a business plan from start to finish. </li></ul><ul><li><b><i>Learning About Retirement Savings </i></b><br>Learn about how to save for retirement<i>. </i>CalSavers is a completely voluntary retirement program and ensures nearly all Californians have access to a workplace retirement savings program by offering employees a low-cost, portable retirement savings program with professionally managed investments. <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ILo56mPSZ6g?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Learning About Retirement Savings"></iframe></div> </div></li></ul><ul><li><b><i>Managing Caregiving Costs </i></b><br>Get tips on how to manage caregiving costs from a California Work and Family Coalition representative, and learn about the Family and Medical Leave Act, which allows workers to take caregiving leave while protecting their jobs. <br> <br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/ZmUmy1USUlE?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Managing Caregiving Expenses"></iframe></div> </div></li></ul><ul><li><b><i>Homeownership Scams </i></b><br>In our <u>first episode</u> of <i>Let's Talk Dinero, </i>we talk with the Federal Trade Commission about common homeownership scams, how to avoid them, and what to do if you have been a victim. Click below or <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.youtube.com/watch?v=udi8jb2MMCc" target="_blank" rel="noopener noreferrer">HERE</a></span></span> to view the recording. <br><br><div class="Enhancement" > <div class="Enhancement-item"><iframe width="600" height="338" src="https://www.youtube.com/embed/udi8jb2MMCc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen title="Let's Talk Dinero - Homeownership Scams"></iframe></div> </div></li></ul><p><b><u>RESOURCES AND TOOLS</u></b><br></p><ul><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://moneymap.aarp.org/?utm_source=aarp&utm_medium=budgetingsubchannel?utm_source=aarp&utm_medium=moneychannel" target="_blank" rel="noopener noreferrer">Money Map</a></span></span> helps you develop a budget, plan for unexpected expenses, manage debt and build a savings plan.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/credit-loans-debt/student-loan/?intcmp=AE-MON-HOME-SAVI" target="_blank" rel="noopener noreferrer">Savi Student Loan Repayment Tool</a></span></span> provides one-to-one support with student loan experts that will help you explore repayment and forgiveness programs.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/retirement/social-security/benefits-calculator/?intcmp=AE-MON-HOME-SSCALC" target="_blank" rel="noopener noreferrer">Social Security Calculator</a></span></span> helps you determine your benefits based on your average income over your working years.</li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/work/retirement-planning/401k_calculator/?intcmp=AE-MON-HOME-401K" target="_blank" rel="noopener noreferrer">401(k) Savings and Planning Calculator</a></span></span> helps you plan your retirement goals based on your contributions and your employer’s match, if applicable. </li><li><span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://campaigns.aarp.org/interviewanadvisor/?cmp=RDRCT-23374162-20200401" target="_blank" rel="noopener noreferrer">AARP Interview an Advisor</a></span></span> helps you understand a financial advisor’s credentials and how to select and advisor that best fits your needs.</li><li>To access our financial planning hub, click <span class="Enhancement" ><span class="Enhancement-item"><a class="Link" href="https://www.aarp.org/money/" target="_blank" rel="noopener noreferrer">HERE</a></span></span>.<br></li></ul></div> </div> </p></span> </div> </div> </div> </div><div class="module clearfix"><script src="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.c85a242a55150cd195e494cd6e5b9c77.gz.js" async=""></script> <link rel="stylesheet" media="all" href="https://aarp-states.brightspotcdn.com/resource/00000168-dd17-d487-a96e-df5fe3ee0000/styleguide/All.min.bfe6eb5a8301841feef3af4e9bd1e26d.gz.css"> <!-- bypass --> <style> a:focus, a:hover { text-decoration: underline; 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} [data-video-player][data-aspect-ratio="16x9"] { padding-bottom: 56.25% } </style> --></div><div class="module clearfix"><div class="module-spacer tout-homefit-750"> <a data-formelementid="CSN-LOCAL-HC-NEWSSK-02272024" href="/portage-des-sioux-mo/home-and-community/?intcmp=CSN-LOCAL-HC-NEWSSK-02272024"><img class="img-responsive" alt="Explore the free AARP HomeFit Guide" title="Explore the free AARP HomeFit Guide" src="https://cdn-aarp.americantowns.com/img/touts/HomeFit_750x150.png"></a> </div></div></div> <div class="col-md-4 right-rail thin-rhs"><div class="module clearfix"><!--default--> <!-- module_RHS - AARP Events --> <div class="ar-basic-box module-spacer"> <header> <div class="pull-right"> <a href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS"> <img style="width:30px;" src="https://cdn-aarp.americantowns.com/img/template/icons/aarp_event_icon.png" alt="Upcoming AARP Events" /> </a> </div> <h2 class="visible-lg">AARP Events for Portage des Sioux</h2> <h2 class="hidden-lg">AARP Events for Portage des Sioux</h2> </header> <div class="wrap"> <div class="ar-listing snippet"> <ul class="list"> <li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brunch-bunch-soulard-farmers-market-st-louis-mo-11824-9hn5f4zsdsl.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-AARP-BRUCH-BUNCH-TOURS-SOULARD-FARMERS-MARKET">AARP Bruch Bunch Tours Soulard Farmers Market!</a></h2> <p class="time">Friday, Nov 8, 2024 at 8:45 a.m. CT</p> <p class="venue">Various Locations around St. Louis. Event will start at Shrewbury Metro Link Station</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-walk-with-a-doc-st-louis-mo-11924-bqnrffldjsf.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-COME-WALK-WITH-A-DOC-AND-AARP">Come Walk with a Doc and AARP!</a></h2> <p class="time">Saturday, Nov 9, 2024 at 9:00 a.m. CT</p> <p class="venue">Dennis & Judith Jones Visitor & Education Center</p> <p class="loc">St. Louis, MO</p> </li><li class="item" data-pageindex="1"> <h3 class="topic">Featured Event</h3> <h2 class="title"><a href="/aarp-event/aarp-mo-brain-matters-joy-for-the-holidays-11122024-zrn3d74y7ph.html" data-formelementid="LOCAL-BTN-CLK-EVENTS-JOY-FOR-THE-HOLIDAYS-TIPS-FOR-DEMENTIAFRIENDLY-CELEBRATIONS">Joy for the Holidays: Tips for Dementia-Friendly Celebrations</a></h2> <p class="time">Tuesday, Nov 12, 2024 at 6:00 p.m. CT</p> <p class="venue"></p> <p class="loc">Online Event</p> </li> </ul> <p><a class="link-red" href="/portage-des-sioux-mo/aarp-events/" data-formelementid="LOCAL-BTN-CLK-SEEALL-EVENTS">View All AARP Events<i class="ml-1 fas fa-chevron-right"></i></a></p> </div> </div> </div> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_53475" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_53475', size:'300x250'}); } </script> </div> </div> <div class="card-tout card-dark membership-tout" style="margin:0 0 30px 0;"> <img class="img-responsive image" title="image of two AARP membership cards" alt="image of two AARP membership cards" src="https://cdn-aarp.americantowns.com/img/tout-two-cards.png"> <div class="title">Only $12 your first year with Automatic Renewal</div> <ul class="list"> <li>Immediate access to your <a href="https://www.aarp.org/benefits-discounts/">member benefits</a></li> <li>Discounts on travel and everyday savings</li> <li>Subscription to AARP The Magazine</li> <li>FREE second membership</li> </ul> <div class="action"> <a class="btn" href="https://appsec.aarp.org/mem/join?campaignid=UAJFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Join AARP</a> <div class="body">Already a member? <a href="https://appsec.aarp.org/mem/renew?campaignid= UARFT3&intcmp=LNK-CSN-AARPLOCAL-JRTOUT-RR-A-PORTAGEDESSIOUX-MO">Renew</a> or <a href="https://www.aarp.org/benefits-discounts/my-membership/print-your-card/">Print Card</a></div> </div> </div> <style> .membership-tout {padding:16px 20px;} .membership-tout .list li { margin: 0; } </style> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="300x250_93505" data-adsize="300x250"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'300x250_93505', size:'300x250'}); } </script> </div> </div> <div class="module-spacer text-center"> <div class="fb-page" alt="Image of AARP Missouri Facebook Page" title="Image of AARP Missouri Facebook Page" data-href="https://www.facebook.com/aarpmissouri" data-tabs="timeline" width="320" height="" data-small-header="false" data-adapt-container-width="true" data-hide-cover="false" data-show-facepile="true" lazy="true"> <blockquote cite="https://www.facebook.com/aarpmissouri" class="fb-xfbml-parse-ignore"><a href="https://www.facebook.com/aarpmissouri">Facebook</a></blockquote> </div> </div> <div class="ar-basic-box module-spacer"> <header> <h2>Contact AARP <br />in St. Louis</h2> </header> <div class="wrap"> <div class="ar-quick-list module-spacer"> <ul class="list-unstyled"> <li><i class="list-icon fa fa-envelope" alt="Email icon" title="Email icon" aria-hidden="true"></i><a href="mailto:stlouis@aarp.org" target="_blank" rel="noopener">stlouis@aarp.org</a></li> <li><i class="list-icon fa fa-globe" alt="Globe icon" title="Globe icon" aria-hidden="true"></i><a href="https://states.aarp.org/region/missouri/" target="_blank" rel="noopener">AARP Missouri</a></li> <li><i class="list-icon fa fa-map-marker" alt="Map Marker icon" title="Map Marker icon" aria-hidden="true"></i><a href=" https://states.aarp.org/missouri/contact-aarp-missouri-2/?intcmp=SNG-LNK-AARPLOCAL-CONTACT-20171231-PORTAGEDESSIOUX-MO" target="_blank" rel="noopener">Contact Us</a></li> </ul> </div> <a href="https://www.facebook.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Facebook"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/facebook-dreamstale25.png" alt="Facebook icon" title="Facebook icon"></a> <a href="https://twitter.com/aarpmissouri" target="_blank" rel="noopener" aria-label="Open Twitter"><img src="https://cdn-aarp.americantowns.com/img/responsive/icons/48/x-logo-black.png" alt="Twitter icon" title="Twitter icon"></a> <a href="https://www.instagram.com/aarpmontana/" target="_blank" rel="noopener" aria-label="Open Instagram"><img src="https://cdn-aarp.americantowns.com/img/icon-ig.png" alt="Instagram icon" title="Instagram icon" style="height: 49px;"></a> </div> </div> </div></div> <div class="col-md-8 left-rail left-bot"></div> <div class="col-md-4 right-rail right-bot thin-rhs"></div> </div> <div class="row oneColumnLayout"> </div> <div class="row oneColumnLayout"> <div class="col-md-12"><!-- script to activate navbar --> <script type="text/javascript"> jQuery(".channelBarMain ul.left li a").click(function() { window.location = jQuery(this).attr('href'); }); </script> </div> </div> ' $scripts_for_layout = '<title>Financial Series - Let's Talk Dinero with AARP</title> <meta name="page_title" content="Financial Series - Let's Talk Dinero with AARP"/> <meta name="robots" content="noindex, nofollow"/> <meta content="Planning for your financial future starts today, and we know that can be overwhelming and daunting at times. 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