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<br /> In This<br /> Issue<br /> WINTER 2012<br /> USAA's Best<br /> Places 2012 7<br /> The Career Challenges<br /> of Military Spouses 16<br /> Mobile Wallet:<br /> The Future of Money 22<br /> When it comes to nancial obstacles,<br /> we're ready to help.<br /> At USAA, we know military life is di erent. We've been there. So for current and former<br /> military servicemembers and their families, we o er free nancial advice geared<br /> speci cally to the realities of your life. For help managing expenses, creating an<br /> investment strategy or planning for retirement, talk to a USAA Financial Advisor today.<br /> We make it easy to get started.<br /> Contact us for your free nancial assessment.<br /> 800-235-1898 | usaa.com/investing<br /> Investing in securities products involves risk, including possible loss of principal.<br /> Financial planning services and nancial advice provided by USAA Financial Planning Services Insurance Agency, I<a title="USAA Winter 2012 page 1" href="http://viewer.zmags.com/publication/9c6aeb7c?page=1"> In This Issue </a> <a title="USAA Winter 2012 page 2" href="http://viewer.zmags.com/publication/9c6aeb7c?page=2"> When it comes to nancial obstacles, we're ready </a> <a title="USAA Winter 2012 page 3" href="http://viewer.zmags.com/publication/9c6aeb7c?page=3"> WELCOME TO USAA MAGAZINE « MESSAGE FRO</a> <a title="USAA Winter 2012 page 4" href="http://viewer.zmags.com/publication/9c6aeb7c?page=4"> 12 Shop Smart in 2013 16 Spouses Face Certificatio</a> <a title="USAA Winter 2012 page 5" href="http://viewer.zmags.com/publication/9c6aeb7c?page=5"> USAA Magazine </a> <a title="USAA Winter 2012 page 6" href="http://viewer.zmags.com/publication/9c6aeb7c?page=6"> THE FRONT MONEY INVEST AUTO HOME The White Famil</a> <a title="USAA Winter 2012 page 7" href="http://viewer.zmags.com/publication/9c6aeb7c?page=7"> employing some of their earlier money habits. For</a> <a title="USAA Winter 2012 page 8" href="http://viewer.zmags.com/publication/9c6aeb7c?page=8"> THE FRONT MONEY INVEST AUTO HOME to Harvard, I wa</a> <a title="USAA Winter 2012 page 9" href="http://viewer.zmags.com/publication/9c6aeb7c?page=9"> Roll With the Changes? make it easier to manage,</a> <a title="USAA Winter 2012 page 10" href="http://viewer.zmags.com/publication/9c6aeb7c?page=10"> THE FRONT MONEY INVEST AUTO HOME SUBJECTBUILDING</a> <a title="USAA Winter 2012 page 11" href="http://viewer.zmags.com/publication/9c6aeb7c?page=11"> $ PRO/CON Should You Leave Your Children an Inh</a> <a title="USAA Winter 2012 page 12" href="http://viewer.zmags.com/publication/9c6aeb7c?page=12"> STILL CLIPPING COUPONS? WE'LL SHOW YOU ANOTHER WA</a> <a title="USAA Winter 2012 page 13" href="http://viewer.zmags.com/publication/9c6aeb7c?page=13"> T he new yea</a> <a title="USAA Winter 2012 page 14" href="http://viewer.zmags.com/publication/9c6aeb7c?page=14"> BUY A CAR, NOT A PAYMENT Nationally syndi</a> <a title="USAA Winter 2012 page 15" href="http://viewer.zmags.com/publication/9c6aeb7c?page=15"> LIVE ON A BUDGET Do you have more month t</a> <a title="USAA Winter 2012 page 16" href="http://viewer.zmags.com/publication/9c6aeb7c?page=16"> Move. Certify. Repeat. STATE REQUIREMENTS CREATE </a> <a title="USAA Winter 2012 page 17" href="http://viewer.zmags.com/publication/9c6aeb7c?page=17"> PHOTOGRAPHY BY DAVE LAURIDSEN MELISSA ROTHENB</a> <a title="USAA Winter 2012 page 18" href="http://viewer.zmags.com/publication/9c6aeb7c?page=18"> A year later, Smith was granted a “provisio</a> <a title="USAA Winter 2012 page 19" href="http://viewer.zmags.com/publication/9c6aeb7c?page=19"> PHOTOGRAPHY BY CHARLES HARRIS CHRISTINA ACTIS w</a> <a title="USAA Winter 2012 page 20" href="http://viewer.zmags.com/publication/9c6aeb7c?page=20"> “Military spouse education and employment c</a> <a title="USAA Winter 2012 page 21" href="http://viewer.zmags.com/publication/9c6aeb7c?page=21"> NATALIE WILLIAMS has temporarily set aside her c</a> <a title="USAA Winter 2012 page 22" href="http://viewer.zmags.com/publication/9c6aeb7c?page=22"> 22 USAA Magazine WINTER 2012 </a> <a title="USAA Winter 2012 page 23" href="http://viewer.zmags.com/publication/9c6aeb7c?page=23"> THE usaa.com BY IAN MOUNT · ILLUSTRATI</a> <a title="USAA Winter 2012 page 24" href="http://viewer.zmags.com/publication/9c6aeb7c?page=24"> A Mobile Wallet in Action VIRTUAL COUPONS GPS-en</a> <a title="USAA Winter 2012 page 25" href="http://viewer.zmags.com/publication/9c6aeb7c?page=25"> they are. 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