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<br /> In This<br /> Issue Is the 15-Year Military How to Pick a Password and Must-Have Apps to<br /> Retirement Right for You? 10 Avoid Being Hacked 20 Weather Any Storm 24<br /> No.12<br /> Build up an<br /> emergency stash!<br /> FALL 2012<br /> <br /> « MESSAGE FROM THE PRESIDENT AND CEO »<br /> PHOTOGRAPHY BY PAUL ELLEDGE<br /> “We're here to help young adults begin their<br /> newly independent lives on the right footing.”<br /> WELCOME TO USAA MAGAZINE<br /> Starting<br /> Out Smarter<br /> Parents celebrate a number of milestones that mark<br /> their children's progress toward adulthood. Remember<br /> how you felt when your toddler stopped crawling and<br /> took those first, unsteady steps?<br /> For parents whose grown children are graduating<br /> from college, departing for a tour of duty or moving out<br /> of the house to start their careers, it might seem like<br /> déjà vu. First s<a title="USAA Fall 2012 page 1" href="http://viewer.zmags.com/publication/166fc868?page=1"> In This Issue Is the 15-Year Military </a> <a title="USAA Fall 2012 page 2" href="http://viewer.zmags.com/publication/166fc868?page=2"> </a> <a title="USAA Fall 2012 page 3" href="http://viewer.zmags.com/publication/166fc868?page=3"> « MESSAGE FROM THE PRESIDENT AND CEO » PHOTOGRAP</a> <a title="USAA Fall 2012 page 4" href="http://viewer.zmags.com/publication/166fc868?page=4"> 12 30 Things to Know About $$ by Age 30 18 Are Yo</a> <a title="USAA Fall 2012 page 5" href="http://viewer.zmags.com/publication/166fc868?page=5"> USAA Magazine </a> <a title="USAA Fall 2012 page 6" href="http://viewer.zmags.com/publication/166fc868?page=6"> THE FRONT MONEY INVEST AUTO HOME Erin Helgren; D</a> <a title="USAA Fall 2012 page 7" href="http://viewer.zmags.com/publication/166fc868?page=7"> See More Photos of Erin month. That's extra mone</a> <a title="USAA Fall 2012 page 8" href="http://viewer.zmags.com/publication/166fc868?page=8"> THE FRONT MONEY INVEST AUTO HOME $ HOW I DID IT </a> <a title="USAA Fall 2012 page 9" href="http://viewer.zmags.com/publication/166fc868?page=9"> Do I Need The short answer? Yes — </a> <a title="USAA Fall 2012 page 10" href="http://viewer.zmags.com/publication/166fc868?page=10"> THE FRONT MONEY INVEST AUTO HOME Fifteen-year ret</a> <a title="USAA Fall 2012 page 11" href="http://viewer.zmags.com/publication/166fc868?page=11"> Curious how you should be divvying </a> <a title="USAA Fall 2012 page 12" href="http://viewer.zmags.com/publication/166fc868?page=12"> About Money By Age 30</a> <a title="USAA Fall 2012 page 13" href="http://viewer.zmags.com/publication/166fc868?page=13"> The Big 3-0 is nearing and your financial life may</a> <a title="USAA Fall 2012 page 14" href="http://viewer.zmags.com/publication/166fc868?page=14"> 6 Know your FIC</a> <a title="USAA Fall 2012 page 15" href="http://viewer.zmags.com/publication/166fc868?page=15"> No. LEARN TO TALK ABOUT MONEY </a> <a title="USAA Fall 2012 page 16" href="http://viewer.zmags.com/publication/166fc868?page=16"> No. INVESTING DOES 17 NO</a> <a title="USAA Fall 2012 page 17" href="http://viewer.zmags.com/publication/166fc868?page=17"> says Halliwell. “You can't be comfortable with yo</a> <a title="USAA Fall 2012 page 18" href="http://viewer.zmags.com/publication/166fc868?page=18"> 18 USAA Magazine FALL 2012 </a> <a title="USAA Fall 2012 page 19" href="http://viewer.zmags.com/publication/166fc868?page=19"> Worried About Cybersecurity? As the FBI's top cyb</a> <a title="USAA Fall 2012 page 20" href="http://viewer.zmags.com/publication/166fc868?page=20"> CYBERCRIME REPORT that the number of Web-based ma</a> <a title="USAA Fall 2012 page 21" href="http://viewer.zmags.com/publication/166fc868?page=21"> usaa.com </a> <a title="USAA Fall 2012 page 22" href="http://viewer.zmags.com/publication/166fc868?page=22"> A SOCIAL MEDIA UPDATE FROM THE FRONT LINES. By </a> <a title="USAA Fall 2012 page 23" href="http://viewer.zmags.com/publication/166fc868?page=23"> Continued from page 20 » vulnerabilities to an at</a> <a title="USAA Fall 2012 page 24" href="http://viewer.zmags.com/publication/166fc868?page=24"> 12 MUST-HAVE APPS Storm </a> <a title="USAA Fall 2012 page 25" href="http://viewer.zmags.com/publication/166fc868?page=25"> WEATHER StopDisaster iPhone $2 Knowing wha</a> <a title="USAA Fall 2012 page 26" href="http://viewer.zmags.com/publication/166fc868?page=26"> COMMUNICATION AUTO CRITICAL INFO Life360 A</a> <a title="USAA Fall 2012 page 27" href="http://viewer.zmags.com/publication/166fc868?page=27"> USAA Magazine | Fall 2012 </a> <a title="USAA Fall 2012 page 28" href="http://viewer.zmags.com/publication/166fc868?page=28"> MEMBER SAVINGS Knowing more begins now. </a> <a title="USAA Fall 2012 page 29" href="http://viewer.zmags.com/publication/166fc868?page=29"> Size Up Your Coverage How much insurance is enoug</a> <a title="USAA Fall 2012 page 30" href="http://viewer.zmags.com/publication/166fc868?page=30"> The views and opinions expressed in the preceding</a> <a title="USAA Fall 2012 page 31" href="http://viewer.zmags.com/publication/166fc868?page=31"> Can you tell your life story in six words? We're </a> <a title="USAA Fall 2012 page 32" href="http://viewer.zmags.com/publication/166fc868?page=32"> « MEMBER SNAPSHOT » Enduring Strength Mary Lo</a> <a title="USAA Fall 2012 page 33" href="http://viewer.zmags.com/publication/166fc868?page=33"> 2011 USAA Veterans Day salute, Green Bay </a>