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	<title>Personal-Finance.Military.com</title>
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	<link>http://personal-finance.military.com</link>
	<description>Got money questions and looking for answers you can trust?</description>
	<lastBuildDate>Thu, 19 Nov 2015 15:34:54 +0000</lastBuildDate>
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	<item>
		<title>Can I move my Roth IRA to the TSP?</title>
		<link>http://personal-finance.military.com/2015/11/can-i-move-my-roth-ira-to-the-tsp.html</link>
		<comments>http://personal-finance.military.com/2015/11/can-i-move-my-roth-ira-to-the-tsp.html#comments</comments>
		<pubDate>Thu, 19 Nov 2015 15:34:54 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2963</guid>
		<description><![CDATA[Q: I’ve got a Roth IRA with high fees. I also use the TSP through the military. Can I roll my Roth IRA into the TSP account or Roth TSP? Thanks, –Dave, Texas A: Dave, I agree that fees and expenses are an important factor when picking or evaluating investments for your portfolio.  That’s one aspect of the Thrift Savings]]></description>
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		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How will TRICARE for Life work if my doc opts out of Medicare?</title>
		<link>http://personal-finance.military.com/2015/11/how-will-tricare-for-life-work-if-my-doc-opts-out-of-medicare.html</link>
		<comments>http://personal-finance.military.com/2015/11/how-will-tricare-for-life-work-if-my-doc-opts-out-of-medicare.html#comments</comments>
		<pubDate>Thu, 19 Nov 2015 14:59:30 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Benefits]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2959</guid>
		<description><![CDATA[Q: JJ, Don’t know if you can help or not, but here goes. I have Medicare and TRICARE for life. My doctor group just announced they will no longer take Medicare after 2016. I have checked with other insurance groups and have the following questions. 1. Kaiser Permanente in our area suggested I contact TRICARE–I am–and this is where they]]></description>
		<wfw:commentRss>http://personal-finance.military.com/2015/11/how-will-tricare-for-life-work-if-my-doc-opts-out-of-medicare.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How can we set ourselves up for financial success?</title>
		<link>http://personal-finance.military.com/2015/11/how-can-we-set-ourselves-up-for-financial-success.html</link>
		<comments>http://personal-finance.military.com/2015/11/how-can-we-set-ourselves-up-for-financial-success.html#comments</comments>
		<pubDate>Tue, 10 Nov 2015 16:20:39 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2953</guid>
		<description><![CDATA[Q: I just became a LT and am 32 years old. I am investing 12 percent in the Roth TSP. I also started each of my boys a saving account which gets $75 a month. I am also working on an emergency fund. We are considering buying a recreation vehicle once my truck is paid off. Is it a good]]></description>
		<wfw:commentRss>http://personal-finance.military.com/2015/11/how-can-we-set-ourselves-up-for-financial-success.html/feed</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>How can I correct my military record?</title>
		<link>http://personal-finance.military.com/2015/11/how-can-i-correct-my-military-record.html</link>
		<comments>http://personal-finance.military.com/2015/11/how-can-i-correct-my-military-record.html#comments</comments>
		<pubDate>Tue, 10 Nov 2015 16:16:09 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Benefits]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2949</guid>
		<description><![CDATA[Q: JJ, At 18 yrs old I went into the Army for 5 yrs and then went into the Air National Guard for the next 18 yrs, and then went back on active duty with the Air Force and then retired in 1997 with 24 1/2 yrs of active duty and 39 1/2 yrs for pay purposes. I had no]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How do I calculate emergency savings?</title>
		<link>http://personal-finance.military.com/2015/11/how-do-i-calculate-emergency-savings.html</link>
		<comments>http://personal-finance.military.com/2015/11/how-do-i-calculate-emergency-savings.html#comments</comments>
		<pubDate>Thu, 05 Nov 2015 15:35:51 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Saving]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2944</guid>
		<description><![CDATA[Q: I have a question regarding Emergency Savings, when we calculate how much money we need for 3 to 6 months. Do we combine Base Pay, BAS, and BAH to get the total we need to save just in case we have that type of emergency. –Jermyn, U.S. Army A: That’s a good question and I’m glad you guys are]]></description>
		<wfw:commentRss>http://personal-finance.military.com/2015/11/how-do-i-calculate-emergency-savings.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should I refinance my car loan?</title>
		<link>http://personal-finance.military.com/2015/11/should-i-refinance-my-car-loan.html</link>
		<comments>http://personal-finance.military.com/2015/11/should-i-refinance-my-car-loan.html#comments</comments>
		<pubDate>Thu, 05 Nov 2015 15:30:16 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2941</guid>
		<description><![CDATA[Q: Should I refinance my car loan? Two years ago, we purchased our vehicle with a five year loan at 8.6%. I’m working on our budget and thought refinancing the car for a better rate may be a good idea. I’ve checked with two different banks and it looks like I can get a 4-year loan for around 4%. Is]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should I get new credit card before applying for mortgage?</title>
		<link>http://personal-finance.military.com/2015/10/should-i-get-new-credit-card-before-applying-for-mortgage.html</link>
		<comments>http://personal-finance.military.com/2015/10/should-i-get-new-credit-card-before-applying-for-mortgage.html#comments</comments>
		<pubDate>Fri, 30 Oct 2015 15:03:21 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Mortgages]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2937</guid>
		<description><![CDATA[  Q: Will getting a new credit card or car loan hurt my chances for a VA loan? –Brock, Massachusetts A: It certainly could. As you prepare to apply for any type of loan, and especially one as important and significant as a mortgage you want to make sure you have all of your financial ducks in a row. What]]></description>
		<wfw:commentRss>http://personal-finance.military.com/2015/10/should-i-get-new-credit-card-before-applying-for-mortgage.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How can I find out if this old life policy is active?</title>
		<link>http://personal-finance.military.com/2015/10/how-can-i-find-out-if-this-old-life-policy-is-active.html</link>
		<comments>http://personal-finance.military.com/2015/10/how-can-i-find-out-if-this-old-life-policy-is-active.html#comments</comments>
		<pubDate>Fri, 30 Oct 2015 14:59:53 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Benefits]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2935</guid>
		<description><![CDATA[Q: Hi, I am the daughter of an Army serviceman. I found a National Service Life Insurance policy issued Sept. 20, 1945. I want to know if this policy is still in effect as my dad has passed away, Sept. 30. How do I connect with the correct entity to discover information about this policy? Thanks, –Jeri, Florida A: I’m]]></description>
		<wfw:commentRss>http://personal-finance.military.com/2015/10/how-can-i-find-out-if-this-old-life-policy-is-active.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What’s the right car loan?</title>
		<link>http://personal-finance.military.com/2015/10/whats-the-right-car-loan.html</link>
		<comments>http://personal-finance.military.com/2015/10/whats-the-right-car-loan.html#comments</comments>
		<pubDate>Thu, 22 Oct 2015 20:33:40 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Loans]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2931</guid>
		<description><![CDATA[Q: Is there a penalty for paying off an auto loan? I’m also trying to decide between a 60 and 72 month loan option. Thoughts? –Kale, Texas A: Generally, there’s not a prepayment penalty with an auto loan, but that’s something you’ll want to confirm BEFORE you sign any loan document.  If there is a prepayment penalty, I would seek]]></description>
		<wfw:commentRss>http://personal-finance.military.com/2015/10/whats-the-right-car-loan.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can I cancel term insurance at any time?</title>
		<link>http://personal-finance.military.com/2015/10/can-i-cancel-term-insurance-at-any-time.html</link>
		<comments>http://personal-finance.military.com/2015/10/can-i-cancel-term-insurance-at-any-time.html#comments</comments>
		<pubDate>Thu, 22 Oct 2015 20:33:19 +0000</pubDate>
		<dc:creator><![CDATA[J.J. Montanaro]]></dc:creator>
				<category><![CDATA[Financial Planning]]></category>

		<guid isPermaLink="false">http://personal-finance.military.com/?p=2928</guid>
		<description><![CDATA[Q: Can I cancel my term life insurance at any time or update it when my income changes? –Mike, California A: Unlike some of the many types of insurance products in the marketplace term life insurance is generally pretty easy to understand. You pay the premium and you have the coverage. If you no longer need the coverage, you should]]></description>
		<wfw:commentRss>http://personal-finance.military.com/2015/10/can-i-cancel-term-insurance-at-any-time.html/feed</wfw:commentRss>
		<slash:comments>1</slash:comments>
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