When we talk about the strength of the National Chrysler Retirement Organization (NCRO), we’re really talking about you—our members. Your voices, your participation, and yes, your financial support through membership dues are the foundation of everything we do. While dues may seem like a small annual commitment, their impact is significant and far-reaching.
 
As your NCRO Treasurer, I want to explain exactly where your dues go and why they are essential to protecting and advancing the rights and benefits of every Chrysler retiree.

Your Dues Fuel Our Mission

NCRO exists for one central purpose: to protect the pensions, healthcare, and retirement security of Chrysler retirees. We do this by keeping a vigilant eye on corporate developments, government regulations, and market conditions that could affect retiree benefits. We also serve as a strong advocate in negotiations, legal matters, and policy discussions.

Your dues directly support:

  • Legal and Financial Experts – We rely on trusted advisors to analyze pension issues, benefit changes, and corporate restructuring. Their professional insight helps us take timely, informed action on your behalf.
  • Legislative Advocacy – Through ongoing contact with lawmakers and regulatory agencies, we work to protect pensions, Social Security, and Medicare. Dues fund our ability to stay active and effective in these policy arenas.
  • Benefits Advocacy – Support for retirees receiving income from a variety of sources, including pensions, retirement accounts, and insurance-based retirement benefits.
  • Member Communication – From quarterly newsletters to email updates and educational webinars, your dues help us keep you informed. Knowledge is power—especially in retirement.
  • Technology and Operations – Running a secure website, maintaining a member database, managing communications, and organizing events all require ongoing investment. Your dues ensure we can do these tasks efficiently and professionally.

Why Annual Dues Matter—Even for Longtime Members

Some retirees may wonder, “I’ve been a member for years—do I still need to pay every year?” The answer is a resounding yes. Because we are an independent, member-funded organization, we do not receive financial support from Chrysler/Stellantis or any government source. Annual dues are our primary source of revenue, and they allow us to budget responsibly, act quickly, and plan for long-term protection of retiree rights.
 
Even modest dues contributions, when made consistently across our membership, give us the strength and stability to represent you powerfully.
 

What Happens Without Dues?

It’s simple: without dues, we would lose the ability to protect the benefits we’ve all worked so hard to earn. Legal representation would be unavailable. Advocacy efforts would go silent. Communication would suffer. And retirees could be left without a voice when critical decisions are being made.
 
In other words, paying your dues isn’t just a transaction—it’s a statement that you believe your retirement security matters, and that you’re willing to be part of the solution.
 

Every Dollar Works for You

As Treasurer, I can assure you that every dollar of your membership dues is spent with care and accountability. We are committed to transparent financial reporting, and our volunteer-led leadership carefully stewards every contribution. Your support is used responsibly—invested in advocacy, education, and peace of mind for all members.
 
Help Us Grow, Help Us Serve
 
Encourage fellow retirees to join NCRO and pay their dues. A growing membership base means a stronger financial foundation—and a louder voice. If every eligible Chrysler retiree became a dues-paying member, the possibilities for our impact would multiply overnight.
 
We’re not just funding an organization. We’re funding a future where retirees are respected, heard, and protected.
 
Thank you for your continued support and trust. Paying your dues may be one small action—but it’s one that carries enormous weight for thousands of retirees just like you.
If you have questions about dues or would like to renew your membership, please visit https://ncro.org or email us at tr*******@**ro.org.
 
Together, we are stronger. Together, we make a difference.
 

“Educational programs like our Smartphone Cybersecurity webinar are made possible by NCRO Members.

Stay Informed. Stay Protected. Become an NCRO Member Today.
JOIN NOW
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Over the past few days, some NCRO members have reached out after seeing alarming posts on social media claiming that a “Cyber Crime Department” has issued a warning about a major WhatsApp scam scheduled to occur in the next ten days as we enter 2026.

The NCRO IT Team wants to help you separate fact from fiction.

 

What We Can Confirm

At this time, there is NO verified or official advisory from any recognized Cyber Crime Department, government agency, or national cybersecurity authority warning of a time-specific WhatsApp scam planned for early 2026.

Official cybercrime alerts are typically issued when:

  • A scam is already active, or
  • Authorities detect widespread fraudulent behavior in progress
They do not announce future scams with countdown timelines, as criminal activity is unpredictable and constantly changing.
 

Why Social Media Can Be Misleading

 Social media platforms are powerful—but they are also a breeding ground for:
  • Out-of-context warnings
  • Forwarded messages with no credible source
  • AI-generated videos or voice clips that sound official
  • Well-intentioned friends sharing unverified information
A message that starts with:
 
“Forward this to everyone you know…” or “Cyber Crime Department warns…”
 
should always be treated with caution unless it can be verified through an official government or law-enforcement source.
 

The Real Risk: Ongoing WhatsApp Scams

While there is no confirmed scheduled scam, WhatsApp scams are very real and ongoing, including:
  • Fake “verification code” requests
  • Impersonation of authorities or companies
  • Malicious links and attachments
  • Requests to scan QR codes or link devices
These scams rely heavily on fear, urgency, and trust—which is why education is your best defense.
 

Stay Informed, Not Alarmed

 This is exactly why NCRO continues to invest in member education around technology, AI, and cybersecurity. The goal is not to create fear—but to build confidence.
 

▶️ Watch the November 12 Webinar: AI for Beginners

 
If you missed it, or want a refresher, we strongly encourage you to watch the November 12 webinar on AI for Beginners.
 

Understanding how AI works today will help you:

  • Spot fake videos and messages
  • Recognize AI-driven scams
  • Avoid falling for “too good to be true” content online
The replay is available now on the NCRO website.
 

Register Now: January 13, 2026, Cybersecurity Webinar

Cyber threats evolve—and so should our defenses.
 
Tuesday, January 13, 2026
Cybersecurity for NCRO Retirees
Learn practical, step-by-step actions you can take to:
    • Secure your smartphone
    • Protect your accounts
    • Recognize scams before they cause damage
 
This session is designed specifically for retirees and everyday technology users—no technical background required.
 

🛡 Final Reminder from the NCRO IT Team

  • Don’t panic over social media warnings
  • Verify information before sharing it
  • Never share verification codes
  • When in doubt, pause—and ask
Education is the strongest cybersecurity tool you have.
 
Stay curious. Stay cautious. Stay connected—with NCRO.
 
— NCRO IT Team
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How To Read the Transcripts

On the AI Webinar video on the NCRO YouTube Channel CLICK …more

NOW, CLICK the Show Transcript Button.

Jackie Robinson, NCRO Webinar Presenter

NCRO members enjoyed an energizing and enlightening session on November 12 as Ms. Jackie Robinson presented “AI Made Simple: Everyday Uses for NCRO Members.” With her signature clarity, humor, and real-world insight, Jackie showed how artificial intelligence can become a practical, time-saving companion in daily life—especially during the busy holiday season.

Members learned how AI tools can help:

  • organize travel plans,
  • create thoughtful messages,
  • simplify online searches,
  • and manage personal reminders. 
An excellent presentation!

William Sternfels

Excellent job today, it was fantastic.

Dale Koch

Excellent

Rick Golpe

Well done!

Grandpa Jeff

She was great to explain and follow. 

Doran Samples

Jacquiline did a wonderful job explaining and utilizing real life examples on how to use and get the most out of AI.  Great job!

Stephen Urbanec

I thought the subject of the AI webinar was very timely and an outstanding presentation.  Jaqueline gave some excellent pointers and examples how to be more effective.

Wayne Klement

I found the webinar helpful. Jackie R (or Lawson) emphasized the results are only as good as the prompt. Her demonstrations were both helpful and inspiring for users.

David Brooks

I think the presentation was excellent for people interested in AI and especially for people who know little about AI. The examples given were worthwhile and show the attendees how easy it is to use

John Fitzsimons

Very well presented by Jacqueline.  It has encourages us both to upload the app to our phone and download the programs to our laptops --- and use them.  

Rich Brown

Her presentation especially resonated with retirees looking for ways to stay connected, stay informed, and stay confident as technology continues to evolve. Many attendees shared that they left the session feeling empowered, inspired, and ready to explore AI tools on their own.

NCRO is committed to supporting members with clear, practical technology guidance, and Jackie’s webinar was a terrific step forward. Stay tuned for more learning opportunities!

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As we look toward 2026, many NCRO retirees are asking an honest question: what changes should we expect as we age, and how can we prepare? The good news is that we are not entering this new year as rookies—our decades of life, work, and resilience have already trained us. Still, aging is a dynamic journey, and knowing what may lie ahead helps us stay strong, proactive, and joyful.
 

1. A Shift in Physical Strength and Energy

Muscle mass naturally decreases with age, and by our 60s and 70s it becomes more noticeable. You may feel slower getting out of bed or less eager to lift heavy groceries. In 2026, the real story won’t be about losing physical capability—it will be about strategic maintenance. Low-impact strength routines (resistance bands, light weights, chair exercises, Tai Chi) can protect joints and improve balance. Imagine it as body “preventative maintenance”—no different from taking care of a classic car. We keep performing tune-ups not because the car is broken, but because it deserves care.

One key shift is energy recovery. Where a late night or taxing day once required coffee and a grin, it may now require actual rest. Do not see that as weakness; it is wisdom. Rest is now part of your health regimen, not a reward you “earn.”
 

2. Brain Health: Slowing Down Doesn’t Mean Losing Sharpness

Cognitive aging can feel intimidating, but it’s not the villain Hollywood makes it. Processing speed may slow, yes—but your pattern recognition, judgement, emotional intelligence, and lived-experience wisdom remain powerful assets. In fact, research consistently shows older adults excel in decision-making and conflict resolution.

In 2026, expect that multitasking will feel less appealing (and thank goodness—who needs three things happening at once anyway?). Focus on deep tasks: reading, puzzles, creative writing, or diving into complex hobbies. Your brain prefers depth over chaos. Technology can be an ally here—mind apps, handwriting tablets, or even AI companions help keep our minds stimulated.
 

3. Financial Adaptation and Healthcare Realities

Health-related expenses in retirement are not static. Prescription costs, specialists, dental visits, or physical therapy may increase. Medicare stays essential, but out-of-pocket surprises can happen. Review supplemental insurance and ask questions early—ideally in January, not December.

Financially, retirees may notice a shift in how they define “value.” You might spend less on status or luxury and more on convenience, experiences, and wellness. You may discover you’re willing to pay for a physical therapist but not for another cable channel. That’s not penny-pinching—it’s prioritizing a long and meaningful retirement.
 

4. Emotional Landscape: New Wisdom, New Needs

Aging is emotional. Some mornings we feel victorious; on others we stare at the mirror and think, “When did that wrinkle get a roommate?” Expect a season of emotional evolution. Many retirees find 2026 to be a year of reflection: relationships, regrets, legacy, forgiveness, independence, and joy.

We also learn that friendships change. Some become more precious. Others fade naturally. Many retirees express a desire for new connections with people who share interests—not just age. Celebrate that. Our memories matter, but so do our future friendships and projects.
 

5. Mobility and Bones: The Quiet Heroes

The knee that once handled a downhill run may protest a single flight of steps. Bone density can decline, and balance may feel uncertain. The solution isn’t to avoid activity—it is to be strategic. Walking 20–30 minutes daily, gentle stretching, water aerobics, and mobility work serve as insurance policies for independence.

If your joints talk to you, listen—but don’t let them be the boss. Consult professionals, adjust routines, and work smarter. Motion is not punishment. Motion is medicine.
 

6. Identity Shifts: What You Do vs. Who You Are

Early retirement feels like a long weekend. Then one morning, you realize weekends don’t exist anymore. Many NCRO retirees in 2026 will wrestle with identity. You are more than your past job title or career triumphs. Embrace hobbies, volunteering, tutoring, mentoring, storytelling, or becoming the beloved grandparent who teaches life lessons with cookies and wisdom.

Aging demands reinvention, not resignation.
 

7. The Good News: Aging Brings Power

Here’s the secret nobody tells you—aging brings a kind of liberation. You get better at boundaries. You stop apologizing for enjoying the quiet. You choose experiences, not approval. You understand love in its most generous form. And you gain something invaluable: perspective.
 
The goal isn’t to “fight aging”—we don’t need to go ten rounds with our own biology. The goal is to steward our bodies, hearts, and minds with dignity and humor, and to step into 2026 knowing this chapter might be one of our most meaningful.
Because the truth is: every sunrise we reach is proof of a life well-lived—and a life still worth living.
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REGISTER FOR THIS EVENT

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Losing a spouse changes the rhythm of life in an instant. Even when we’ve lived a full life together, their absence is profound, and the days after can feel unfamiliar and hollow. For NCRO retirees, many of us have been blessed with long partnerships—some over fifty years—and the grief can feel like an entire world has shifted. While there is no perfect roadmap for healing, the steps below can provide a gentle guide as you move into this new chapter of life.
 
1. Allow Yourself to Grieve
This sounds obvious, but many retirees put pressure on themselves to “stay strong” for family or to appear resilient. Grief is not weakness. It is love in motion, working through the heart’s memory. Cry if you need to. Sit quietly. Talk with friends. Do nothing at all for a while. There’s no medal for pretending you’re okay sooner than your soul is ready. Give yourself permission to feel what you feel—even if it’s messy, confusing, or unpredictable.
 
2. Secure Emotional Support Early
Isolation is a thief of healing. Many widows and widowers try to “go it alone” because they don’t want to burden others. That’s self-reliance, yes, but not self-care. Whether you turn to adult children, trusted friends, or a grief support group, lean on people who understand. Many local senior centers, faith communities, and retirement associations offer bereavement circles specifically for those over 60. Virtual support has also improved dramatically in 2025—Zoom grief groups, online counseling, and audio journaling communities can connect you with those navigating similar loss.
 
3. Care for the Body While the Heart Heals
Physical health often takes a dip during grief. Your appetite changes. You forget to hydrate. Sleep becomes unpredictable. Your body, however, is doing emotional heavy lifting—help it along. Eat simple, nourishing foods. Walk a little each day. Stretch or practice gentle yoga. If you’re really ambitious, do water aerobics; it’s surprisingly therapeutic and nobody will notice if you shed a tear in the pool (chlorine has your back). And if a doctor visit is overdue, schedule it. You deserve wellness, not just survival.
4. Organize Necessary Legal and Financial Matters
This step often arrives too soon—right when you feel least ready. But clarity brings peace. Gather documents: wills, bank statements, insurance policies, pensions, Social Security benefits, home titles, and medical bills. Many retirees choose a trusted advisor, financial planner, or estate attorney to help process everything. Take things one at a time. If someone tells you “you must decide this now,” ask for breathing room. In most cases, legally and financially, you have more time than people think. Protect your energy while protecting your assets.
 
5. Maintain Connection With Your Community
Grief has a way of shrinking our world. Days fold into one another and the house feels too quiet. Staying connected counteracts that shrinking. Many NCRO members find comfort in volunteering: tutoring students, supporting veterans, helping with food pantries, or joining seniors’ advocacy groups. Others rediscover hobbies—gardening, painting, bridge clubs, photography, or yes… pickleball. A purpose, however modest, keeps the spirit from drifting into loneliness.
 
6. Honor the Legacy of Your Loved One
Legacy isn’t just a tombstone or a bank account. It’s stories, recipes, goofy traditions, and the ways they made you laugh. Create something that keeps them close: a scrapbook, a handwritten family history, an annual family dinner, or a digital journal of memories. Record yourself talking about them. Tell your grandchildren how they danced in the kitchen or couldn’t find their reading glasses for 20 years. Every time you share those memories, you keep them alive—and you remind yourself that your love never ended, it simply changed form.
 
7. Give Yourself Permission to Dream Again

This step is often whispered rather than spoken you are allowed to continue living. Not just existing but living. Many widows and widowers feel guilty when they begin to laugh again, travel again, or envision new friendships. Your spouse would want you to experience joy. Maybe it’s a small trip, a class you’ve wanted to take, or moving to a community where you can thrive socially. Healing doesn’t mean forgetting. It means carrying love forward as you build a future that still belongs to you.


 
Losing a companion is one of life’s hardest transformations, especially in retirement. But even in sorrow, you are not alone. Each step is an act of tenderness toward yourself—a reminder that grief is the price of deep love, and healing is the path back to hope. Take it at your pace and let others walk beside you when the road gets heavy.
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Event Description | Start 2026 with Digital Confidence

If your smartphone was lost or stolen today, how much of your life would be exposed? Banking logins, emails, health portals, contacts, travel records, grandkids’ photos — it’s all there. One wrong tap or weak setting can unlock everything to identity thieves in seconds.

Why Your Smartphone is a Target

Urgent Threat: Retirees are the prime target for sophisticated mobile cyber-attacks (smishing, text scams, impersonation).

The Stakes: Your phone is the key to your bank, personal data, and accessing your NCRO and Stellantis benefits. If your phone is compromised, your financial life is at risk.

The Promise: Join this specialized, jargon-free 60-minute workshop to instantly boost your mobile security on any device (iPhone or Android).

WHAT WE WILL COVER (10 Steps Live – 5 for Android and 5 for Apple)

You will receive simple, step-by-step instructions and secure the 5 most vulnerable areas of your phone:

*Spam & Scams: How to automatically block unwanted texts and unknown spam callers.

*App Permissions: Identifying and stopping apps from secretly tracking your location and online activity.

*Financial Security: Setting up biometrics (Face/Fingerprint ID) to protect all banking and benefit apps.

*Emergency Features: Setting up features like SOS calling and medical IDs for immediate help.

*Device Maintenance: How to perform a “Digital Spring Cleaning” to remove risky, unused apps.

CALL TO ACTION (CTA)

  • Who Should Attend: Any NCRO member who uses a smartphone for email, social media, or managing finances.
  • Bonus Gift: All attendees receive a “Mobile Security Cheat Sheet” PDF for permanent reference.

 

RESERVE YOUR SEAT AT GOTO WEBINAR

 

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On Medicare

by NCRO

The Insurance Committee is pleased to share that valuable resources are now available to assist Members as they navigate important healthcare decisions. Following the September 11 webinar, updated Medicare and Health documents have been posted on ncro.org, offering guidance and support during the upcoming Medicare Open Enrollment period. Members can now access these helpful materials on the On Medicare, Pre-65, and Social Security web pages to stay informed and prepared.

2026 Medicare Costs & Premiums.

Understanding Medicare Advantage vs Medigap (NOVEMBER 2025)

Understanding Medicare Part D Rx (SEPTEMBER 2025)

MEDICARE RESOURCES

Health care consultants available (September 2025)

  • Michigan Medicare/Medicaid Assistance Program (MMAP)
  • State Health Insurance Program (SHIP) – for states other than Michigan –

Butler Capital Advisors (September 2025)

Double Health USA (September 2025)

My Senior Specialists – Laura Camacho (September 2025)

Via Benefits Accounts (2025)

Have a Question, Send Us an Email

If you have a question for the Insurance Committee, you can send an email or, feel free to leave a comment below.

Feel Free to Leave a Comment:

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Let’s face it—aging in 2026 isn’t your grandmother’s version of “slowing down.” We’re upgrading walkers with Bluetooth, asking AI to remind us where we left our glasses (spoiler: they’re on our head), and traveling to places our younger selves never dreamed of because back then we were raising families and navigating careers. Now? We take naps on purpose. Life is good.

1. Healthy Habits That Don’t Feel Like Punishment

Aging joke: Our bodies now notify us of weather changes like a local news station—except we’re more accurate.
 
The days of eating raw kale like a badge of honor are over. We are retirees, not rabbits. In 2026, smart health is about enjoyment and sustainability.
 
Instead of beating yourself up at the gym, try a brisk morning walk through the neighborhood—or better yet, a salsa class. Dancing improves mobility, boosts mood, and gives the knees a reason to complain in a rhythmic, festive way. And when someone asks where you learned to dance, you can say, “Medellín,” even if it was actually the community center.
 
Hydration matters too. Luckily, nobody has to drink from a water jug the size of a toddler. A regular glass, filled a few times throughout the day, counts. And if you’re adding a twist of lemon or—on weekends—a twist of something with a cork? That’s called balance.

 

2. Travel Dreams: We’ve Earned Our Frequent Nap Miles

Aging joke: We used to travel to expand our horizons; now we travel to find chairs with better lumbar support.
 
Traveling in retirement hits differently. You don’t have to plan around school breaks or meetings that “cannot be moved.” You can pick a Tuesday and fly somewhere just because the airfare is a dollar cheaper.
 
For 2026, choose destinations that spark joy, curiosity, or at least have excellent bakeries. Europe is lovely, Latin America is warm and inviting, and if your ideal getaway includes hammocks, sunshine, and tropical fruit, Caribbean islands will gladly accept your sunscreen and tolerance for humidity.

And remember—your trip doesn’t need to resemble a National Geographic documentary. If you want to spend three weeks in Florida by a pool reading mystery novels? That’s called peace. Enlightenment even.

Pro tip: When younger relatives ask why you travel so much, simply smile and say, “Because I can,” then sip something with an umbrella in it.

 

3. Laughing at Gravity (Because It Always Gets the First Punch)

 Aging joke: Welcome to the age where if you drop something, you stand there deciding whether you really needed it in the first place.
 
Gravity is undefeated. Every time we bend down and make a sound that resembles a 1958 Ford trying to start, we’re reminded of that fact. But 2026 is the year we laugh at it.
 
Aging gives us the freedom to shrug off expectations. No one expects us to run marathons, though if you do, please send photos. Our job is to remain curious, compassionate, and just mischievous enough to keep life interesting. Trip while dancing? That’s not a fall—it’s a dramatic exit. Stretch without pulling something? That’s a miracle worth telling your grandchildren.
 
The key is humor. When the body does something surprising, don’t curse it—salute it. That creak in your hip? It means you’ve lived. That grey hair? Free highlights courtesy of Mother Nature. Those naps? They’re energy investments, not retirement cliches.

4. Rediscovering Passions (Or Inventing New Ones)

Aging joke: You know you’re getting older when the only thing you binge-watch is the weather forecast.
 
Retirement doesn’t mean sitting still—it means finally having time to try the things you ignored for decades. Painting, podcasting, gardening, or even stand-up comedy (“Did you hear about the senior who went to the spa? She got so relaxed they checked her pulse twice!”). Anything goes.
 
Online learning is a gateway too: history lectures with professors, meditation sessions with monks, or Italian classes where everyone forgets the words for bread and wine. There’s joy in stumbling. Curiosity keeps the mind sharp, and laughter keeps the heart young.
 

5. The Punchline of Aging

Aging joke: People say age is just a number… yes, a number that requires larger font sizes.
 
In 2026, we don’t age quietly—we age boldly. We protect our health, nurture our curiosity, and roll our eyes at gravity like it’s an old frenemy. We travel, we explore, and we claim joy like it’s our well-earned pension.
 
And if someone says, “You’re getting older,” just smile and reply, “I know. Isn’t it fabulous?”
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Social Security

by NCRO

Have a Question, Send Us an Email

If you have a question for the Insurance Committee, you can send an email or, feel free to leave a comment below.

Feel Free to Leave a Comment:

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Curious about Artificial Intelligence (AI) but not sure where to begin? Join the National Chrysler Retirement Organization (NCRO) for a friendly, hands-on introduction to AI for Beginners, designed especially for retirees!

Guest speaker Jackie Robinson will guide you step-by-step through how AI can make your daily life easier, more organized, and more fun—just in time for the holiday season.

 

👉 RSVP online HERE

 

No technical background needed! This session is all about showing you simple ways to use AI tools like ChatGPT, Alexa, or Google Assistant to save time, stay connected, and enjoy the upcoming holidays.


What You’ll Learn:

✅ What AI is—and how you’re already using it without realizing it
✅ Easy ways to “talk” to AI using plain language (just like texting a friend)
✅ How to use AI for holiday planning:

  • Create Thanksgiving menus and shopping lists
  • Write Christmas card messages or find gift ideas
  • Plan a New Year’s Eve gathering or resolutions
    ✅ How AI can help you every day—with meal ideas, reminders, letters to loved ones, and more

You’ll Also Receive:

📄 A free printable handout with “Easy AI Prompts for Beginners” you can try at home
🎥 Access to the NCRO YouTube channel for a recording of the webinar (available for members after the event)


Who Should Attend:

  • NCRO Members curious about AI
  • Retirees who want to simplify everyday tasks
  • Anyone looking for fun and practical ways to use technology this holiday season

Registration:

Space is unlimited!


👉 RSVP online HERE


Quote from Jackie:

 

“AI isn’t just for tech experts—it’s like having a helpful friend who’s always ready with an answer, a recipe, or a new idea. Let’s explore how it can make your holidays easier and more joyful!”

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National Chrysler Retirement Organization

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