European Stars and Stripes (Newspaper) - April 1, 2007, Darmstadt, Hesse                              April stars and stripes Mideast edition 21 your Money vets some return from War ready for self employment from Page 2o Luna got help from the service corps of retired executives a division of the Small business administration that also oversees the veterans business develop ment along with other groups helping veterans include the veterans business out reach the California department of veterans affairs and the International fran Chise As part of that franchise associations vet fran participating companies offer financial incentives to veterans to be come last it enabled 612 veterans to acquire Small business up from 385 a year Terry spokesman for the franchise association in said Compa Nies find a receptive audience among Veter who appear to adapt Well to the Struc tured format of these Are people who have been trained in one of the biggest systems in the the Hill companies Are also realizing veterans have a Strong work ethic and they Are very these Are All things that Mirror franchise Hill said he sees momentum building for veterans interested in starting their own Busi it is very empowering for a lot of Veter Hill being House poor not advisable dear Liz i am i can sell my House and pay Cash for a retirement Home in the area where i want to does this make sense i cant see any Benefit in taking out a mortgage and pay ing answer there Are financial pundits who believe that you should never pay off a mortgage Early or tie up too much Cash in a the idea is that you would be Able to make More in the Stock Market or with other investments than you would pay in interest on a taxed ductile its definitely True that most working people have better things to do with their Money than pay off a cheap Home they should be maximizing their contributions to retire ment accounts and paying off High rate consumer such As credit be fore they even think of making extra pay ments on a but Many folks want the peace of mind of a paid off Home by the time they hit re and theres typically nothing wrong with that if youve got your other financial bases youll want to make that you dont leave yourself House with All your Money tied up in real estate and not enough in other a Money talk Liz Pulliam Weston review with a fee Only financial planner before you retire can help you determine whether your plan makes dear Liz my daughters name is on one of my credit cards and on my Check ing in the event of my is she responsible for the debt on that card answer that depends on whether Shes listed on the cred it card As a joint account Holder or an authorized if Shes an authorized she wont be held personally responsible for any debt on the the Bill would be paid out of your if Shes consid ered a joint account she would be responsible personally for paying the you should Contact the credit card company to find out How Shes list if its As a joint account you typically cant have her name if you didst want her to be responsible for the you would need to close the account and Transfer the balance to an other card held in your name dear Liz in a recent column you an swered someone who had More Money than he or she knew what to do your advice to pay off any consumer debt and increase retirement savings if necessary was that i found myself wondering about a rather different and perhaps Radi Cal approach give some of that extra dough away How about suggesting that the Reader increase donations to his or her local school District or charities or per haps he or she could set up a even More Radical Stop working so much and commit a Little time to the Community through  it be interesting if the few among us who Are swimming in extra Cash returned some to the society that gave them the Opportunity to earn it answer you we rent the Only Reader to notice the glaring omission in my and but you were one of the most Elo although making sure we take care of ourselves financially is import so too is taking care of others through charitable and you dont have to be swimming in Money to give some people who want to give to Charity do so regardless of How meager or generous their in comes As another Reader put Char Itable donations can be and Are an indispensable part of Many financial Liz Pulliam Weston is the author of the books your credit score and Deal with your both published by Prentice questions for possible inclusion in her column May be sent to 3940 Laurel Canyon studio Ca or via the Contact Liz form at distributed by no More red fridays Market 1 52week net it to 52wk High Low name last chg chg chg Dow Jones industrials Dow Jones transportation Dow Jones utilities nose composite amex Index Nash a composite 500 Russell 2000 do Wilshire 5000 1 nose most Active or More name vol 00 last Active or More name vol 00 last Active or More name vol 00 last chg Psi log 466409 Motorola 378343 Geneles 335719 forum 320285 sole trn 302880 Pfizer 284173 pm cup 278808 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friends whether its or usually does not in Shakespeare penned the problems of such Loans in the merchant of As with Shakespeare the practice of borrowing and lending Money among friends Hast gone yet the bards of quoted neither a Borrower nor a Lender be is the same advice countless experts offer when it comes to the sub but what if its too late you already spotted your pal the Ash to cover lunch or a Small loan for car repairs getting it Back int always especially if time passes and your Friend Hast said a Money Maga Zine offers these suggestions for making sure you get paid dont wait to ask for it obviously youre not going to re quest repayment after a few but dont wait longer than a few you want to do it when its still fresh in both your youll actually avoid awkwardness that dont apologize or make it a big ask for your Money in a straightforward and dont act As though youre sorry to be you Are dealing with a after you can even try humor to lighten the Send an asking in person or Over the phone can make bom parties a Little in so Send a Short email As a that if you dont get the Money Back quickly or if theres confusion Over when you asked for you have a written As give your Friend some options to pay you Tell her you can pick up the or you can even set up a Paypal account if youre but if youve reminded your Friend a number of times and still Haven been it May be a sign that your buddy just Doest have the consider ask ing for Small payments on a monthly or ask him or her to pick up the Check when you eat out together discover Why so Many people Are i command financial planning Suik