<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. But while the technology is in its infa</a>
<a title="USAA Winter 2012 page 26" href="http://viewer.zmags.com/publication/9c6aeb7c?page=26"> </a>
<a title="USAA Winter 2012 page 27" href="http://viewer.zmags.com/publication/9c6aeb7c?page=27"> USAA Magazine | Winter 2012 </a>
<a title="USAA Winter 2012 page 28" href="http://viewer.zmags.com/publication/9c6aeb7c?page=28"> MEMBER SAVINGS Knowing more begins now. </a>
<a title="USAA Winter 2012 page 29" href="http://viewer.zmags.com/publication/9c6aeb7c?page=29"> Do-It-Yourself Tools for Members on the Move Make</a>
<a title="USAA Winter 2012 page 30" href="http://viewer.zmags.com/publication/9c6aeb7c?page=30"> The views and opinions expressed in the preceding</a>
<a title="USAA Winter 2012 page 31" href="http://viewer.zmags.com/publication/9c6aeb7c?page=31"> Cyber thieves are smart. Make sure your online se</a>
<a title="USAA Winter 2012 page 32" href="http://viewer.zmags.com/publication/9c6aeb7c?page=32"> « MEMBER SNAPSHOT » Souper CEO Denise Morriso</a>
<a title="USAA Winter 2012 page 33" href="http://viewer.zmags.com/publication/9c6aeb7c?page=33"> Divided by the line of scrimmage. </a>
<a title="USAA Winter 2012 page 34" href="http://viewer.zmags.com/publication/9c6aeb7c?page=34"> usaa.com/mobile</a>