Military Officer - January 2009 - (Page 52)

financial !& # #" % . $"( *. 6+ $, 1 - . 1(- , 0" , + ) $ (1 $ 06 %- / 6- 2 1- - 3$/0. $, # , # / ") 2. * /&$ + - 2, 10- %#$!1 )# /$3($4 0 0-+$ "-+ +- , - %%$/06-2 +( &'1 4 ,1 1- 1'(,) 14( "$ ! - 21 %% !! ) ! ( ,# + , 6 .$ $ %$$* 1'$ <, , (,& "( * .( ," ' 01-/$0 ,# "/$#(1 " / # "-+. ,( $0 / $ . 2* (, & - 21 * 1'$ 01- . 01* * (+ . /- 3$ ( & !-1 1-+ * 0 ,# &$1 "-, (,$ 02+$ /01- 0.$ ,# +-,$ 6 0 /$02*1 6- 2/ + (*!- 5 , # $ + (* (, !- 5 . /- ! !*6 /$ !$(, & = - - #$# 4 (1' 0. $"( *- %%$/0 4 (, & 6- 2 1- #$%$/ - / 0) (. . 6+ $, 10- , (1$+ 06- 2 . 2/"' 0$# 4 (1' 9, - (, 1$/$01 , # , - . 6+ $, 10: %- / 0(5 + - , 1'0- / + - /$ '$ *2/$ - %1'(0 9$ 06 + - , $6: " , + ) $ - 3$/0. $, #(, & - / / ") (, & 2. * /&$ (, 1$/$01 "' /&$0 3$/6 /$ *. - 00(!(*(16 1"' - 21 %- / 1'$0$ "- + + - , 1 "1("0 20$# !6 01- /$0 , # "/$#(1 " /# "- + . , ($0 The Skip-a-Payment Option: '(0 - %%$/ 4 06- 2 1- 0) (. . 6+ $, 1 %- / - , $ 1- 14 - + - , 1'04 (1'- 21 , 6 #3$/0$ $%%$"1 - , 6- 2/ " /# / 1$ '- 4 $3$/ !$ 4 /$ 1' 1 (, 1$/$01 "- , 1(, 2$01- ""/2$ %6- 2 ' 3$ ! * , "$ - , . $/"$, 1 " /# 0) (. . (, & 14 - . 6+ $, 10 ##0 !- 21 (, $51/ (, 1$/$01 "' /&$0 1- 6- 2/ ! * , "$ The Shifting-Due-Date Dilemma: 6 3$/6 "*- 0$ 11$, 1(- , 1- 1'$ # 1$ , # 1(+ $ !6 4 '("' . 6+ $, 1 (0#2$ /$#(1 " /# "- + . , ($0" , + - 3$ #2$ # 1$ 4 (1'- 21 , 6 . /(- / , - 1("$ 1- 6- 2 , # (%6- 2 /$ 20$# 1- . 6(, & !( , 1'$ 1' - %$ "' + - , 1' 0'(%1 1- 1'$ 1' - / 1'$ 1' "- 2*# " 20$ 6- 2/ . 6+ $, 1 1- !$ * 1$ , ##(1(- , /$ # 1'$ < , $ . /(, 1 /$& /# (, & 1'$ 1(+ $ 6- 2/ . 6+ $, 1 (0#2$ $0. $ "( **6 (%6- 2 . 6 (, . $/0- , 1 1'$ ! , ) - + $1(+ $0. 6+ $, 10, $$# 1- !$ /$"$(3$# !6 , - - , - , 1'$ #2$ # 1$ 0- . 6(, & 1 . + (0"- , 0(#$/$# * 1$ (, **6 1- '$*. + , &$ 6- 2/ !(**0 20$ - , *(, $ !( 6 0- 6- 2 " , 0$1 2. . 6+ $, 10(, #3 , "$ , # $, 02/$ 6- 2/ !(**0 /$ . (# - , 1(+ $ The Cash-Advance Play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http://www.moaa.org/financialcenter/calculators/debtrolldown.html http://www.moaa.org/financialcenter/calculators/debtrolldown.html http://www.moaa.org/financialcenter/calculators/debtrolldown.html http://www.annualcreditreport.com http://www.annualcreditreport.com http://www.moaa.org/garrett http://www.moaa.org/garrett http://www.moaa.org/financialcenter http://www.moaa.org/financialcenter Table of Contents for the Digital Edition of Military Officer - January 2009Military Office - January 2009ContentsFrom the EditorFrom the ChairmanYour ViewsMOAA DirectoryRapid FireWashington SceneChapters in ActionFinancial ForumAsk the DoctorMOAA Member ServicesCover Story: Hail to the ChiefTime Versus TechnologyNo Passport NecessaryDecline and Conquer?Pages of HistoryFaces of MOAAMOAA Scholarshp DonorsInformation ExchangeAdvertising IndexMOAA CalendarSounding TapsEncoreMilitary Officer - January 2009Military Officer - January 2009 - Military Office - January 2009 (Page Cover1)Military Officer - January 2009 - Military Office - January 2009 (Page Cover2)Military Officer - January 2009 - Contents (Page 1)Military Officer - January 2009 - Contents (Page 2)Military Officer - January 2009 - Contents (Page 3)Military Officer - January 2009 - Contents (Page 4)Military Officer - January 2009 - Contents (Page 5)Military Officer - January 2009 - Contents (Page 6)Military Officer - January 2009 - Contents (Page 7)Military Officer - January 2009 - Contents (Page 8)Military Officer - January 2009 - Contents (Page 9)Military Officer - January 2009 - From the Editor (Page 10)Military Officer - January 2009 - From the Editor (Page 11)Military Officer - January 2009 - From the Chairman (Page 12)Military Officer - January 2009 - From the Chairman (Page 13)Military Officer - January 2009 - Your Views (Page 14)Military Officer - January 2009 - Your Views (Page 15)Military Officer - January 2009 - Your Views (Page 16)Military Officer - January 2009 - Your Views (Page 17)Military Officer - January 2009 - MOAA Directory (Page 18)Military Officer - January 2009 - MOAA Directory (Page 19)Military Officer - January 2009 - MOAA Directory (Page 20)Military Officer - January 2009 - Rapid Fire (Page 21)Military Officer - January 2009 - Rapid Fire (Page 22)Military Officer - January 2009 - Rapid Fire (Page 23)Military Officer - January 2009 - Rapid Fire (Page 24)Military Officer - January 2009 - Rapid Fire (Page 25)Military Officer - January 2009 - Rapid Fire (Page 26)Military Officer - January 2009 - Rapid Fire (Page 27)Military Officer - January 2009 - Rapid Fire (Page 28)Military Officer - January 2009 - Rapid Fire (Page 29)Military Officer - January 2009 - Rapid Fire (Page 30)Military Officer - January 2009 - Washington Scene (Page 31)Military Officer - January 2009 - Washington Scene (Page 32)Military Officer - January 2009 - Washington Scene (Page 33)Military Officer - January 2009 - Washington Scene (Page 34)Military Officer - January 2009 - Washington Scene (Page 35)Military Officer - January 2009 - Washington Scene (Page 36)Military Officer - January 2009 - Washington Scene (Page 37)Military Officer - January 2009 - Washington Scene (Page 38)Military Officer - January 2009 - Washington Scene (Page 39)Military Officer - January 2009 - Washington Scene (Page 40)Military Officer - January 2009 - Washington Scene (Page 41)Military Officer - January 2009 - Washington Scene (Page 42)Military Officer - January 2009 - Washington Scene (Page 43)Military Officer - January 2009 - Washington Scene (Page 44)Military Officer - January 2009 - Washington Scene (Page 45)Military Officer - January 2009 - Chapters in Action (Page 46)Military Officer - January 2009 - Chapters in Action (Page 47)Military Officer - January 2009 - Chapters in Action (Page 48)Military Officer - January 2009 - Chapters in Action (Page 49)Military Officer - January 2009 - Chapters in Action (Page 50)Military Officer - January 2009 - Chapters in Action (Page 51)Military Officer - January 2009 - Financial Forum (Page 52)Military Officer - January 2009 - Financial Forum (Page 53)Military Officer - January 2009 - Ask the Doctor (Page 54)Military Officer - January 2009 - MOAA Member Services (Page 55)Military Officer - January 2009 - Cover Story: Hail to the Chief (Page 56)Military Officer - January 2009 - Cover Story: Hail to the Chief (Page 57)Military Officer - January 2009 - Cover Story: Hail to the Chief (Page 58)Military Officer - January 2009 - Cover Story: Hail to the Chief (Page 59)Military Officer - January 2009 - Cover Story: Hail to the Chief (Page 60)Military Officer - January 2009 - Cover Story: Hail to the Chief (Page 61)Military Officer - January 2009 - Time Versus Technology (Page 62)Military Officer - January 2009 - Time Versus Technology (Page 63)Military Officer - January 2009 - Time Versus Technology (Page 64)Military Officer - January 2009 - Time Versus Technology (Page 65)Military Officer - January 2009 - No Passport Necessary (Page 66)Military Officer - January 2009 - No Passport Necessary (Page 67)Military Officer - January 2009 - No Passport Necessary (Page 68)Military Officer - January 2009 - No Passport Necessary (Page 69)Military Officer - January 2009 - No Passport Necessary (Page 70)Military Officer - January 2009 - No Passport Necessary (Page 71)Military Officer - January 2009 - Decline and Conquer? (Page 72)Military Officer - January 2009 - Decline and Conquer? (Page 73)Military Officer - January 2009 - Decline and Conquer? (Page 74)Military Officer - January 2009 - Decline and Conquer? (Page 75)Military Officer - January 2009 - Decline and Conquer? (Page 76)Military Officer - January 2009 - Pages of History (Page 77)Military Officer - January 2009 - MOAA Scholarshp Donors (Page 78)Military Officer - January 2009 - Information Exchange (Page 79)Military Officer - January 2009 - Information Exchange (Page 80)Military Officer - January 2009 - Information Exchange (Page 81)Military Officer - January 2009 - Advertising Index (Page 82)Military Officer - January 2009 - MOAA Calendar (Page 83)Military Officer - January 2009 - Sounding Taps (Page 84)Military Officer - January 2009 - Sounding Taps (Page 85)Military Officer - January 2009 - Sounding Taps (Page 86)Military Officer - January 2009 - Sounding Taps (Page 87)Military Officer - January 2009 - Encore (Page 88)Military Officer - January 2009 - Encore (Page Cover3)Military Officer - January 2009 - Encore (Page Cover4)http://www.nxtbook.com/nxtbooks/moaa/mo1009http://www.nxtbook.com/nxtbooks/moaa/mo0909http://www.nxtbook.com/nxtbooks/moaa/mo0809http://www.nxtbook.com/nxtbooks/moaa/mo0709http://www.nxtbook.com/nxtbooks/moaa/mo0609http://www.nxtbook.com/nxtbooks/moaa/mo0509http://www.nxtbook.com/nxtbooks/moaa/mo0409http://www.nxtbook.com/nxtbooks/moaa/mo0309http://www.nxtbook.com/nxtbooks/moaa/mo0209http://www.nxtbook.com/nxtbooks/moaa/mo0109http://www.nxtbook.com/nxtbooks/moaa/mo1208http://www.nxtbook.com/nxtbooks/moaa/mo1108http://www.nxtbook.com/nxtbooks/moaa/mo1008http://www.nxtbook.com/nxtbooks/moaa/mo0908http://www.nxtbook.com/nxtbooks/moaa/mo0808http://www.nxtbook.com/nxtbooks/moaa/mo0708http://www.nxtbook.com/nxtbooks/moaa/mo0608http://www.nxtbook.com/nxtbooks/moaa/mo0508http://www.nxtbook.com/nxtbooks/moaa/mo0408http://www.nxtbook.com/nxtbooks/moaa/mo0308http://www.nxtbook.com/nxtbooks/moaa/mo0208http://www.nxtbook.com/nxtbooks/moaa/mo0108http://www.nxtbook.com/nxtbooks/moaa/mo1207http://www.nxtbook.com/nxtbooks/moaa/mo1107http://www.nxtbook.com/nxtbooks/moaa/mo1007http://www.nxtbook.com/nxtbooks/moaa/mo0907http://www.nxtbook.com/nxtbooks/moaa/mo0807http://www.nxtbook.com/nxtbooks/moaa/mo0707http://www.nxtbook.com/nxtbooks/moaa/mo0607http://www.nxtbook.com/nxtbooks/moaa/mo0507http://www.nxtbook.com/nxtbooks/moaa/mo0407http://www.nxtbook.com/nxtbooks/moaa/mo0307http://www.nxtbook.com/nxtbooks/moaa/mo0207http://www.nxtbook.com/nxtbooks/moaa/mo0107http://www.nxtbook.com/nxtbooks/moaa/mo1206http://www.nxtbook.com/nxtbooks/moaa/mo1106http://www.nxtbook.com/nxtbooks/moaa/mo1006http://www.nxtbook.com/nxtbooks/moaa/mo0906http://www.nxtbook.com/nxtbooks/moaa/mo0806http://www.nxtbook.com/nxtbooks/moaa/mo0706http://www.nxtbook.com/nxtbooks/moaa/mo0606http://www.nxtbook.com/nxtbooks/moaa/mo0506http://www.nxtbook.com/nxtbooks/moaa/mo0406http://www.nxtbook.com/nxtbooks/moaa/mo0306http://www.nxtbook.com/nxtbooks/moaa/mo0206http://www.nxtbook.com/nxtbooks/moaa/mo0106http://www.nxtbookMEDIA.com

For optimal viewing of this digital publication, please enable JavaScript and then refresh the page. If you would like to try to load the digital publication without using Flash Player detection, please click here.