European Stars and Stripes (Newspaper) - June 17, 2007, Darmstadt, Hesse                                Jirine 2007 stars and stripes Page 27 your Money when times Are stick to your budget dear Liz i am married and the Mother of two Ages 9 and my husband i really dug a ditch with our he started a business that is on the verge of and we Are in credit counselling trying to pay off every time we seem to get something blows our older car so now we have two car payments instead of just higher Gas prices make things at one i Cut off our phone and Cable service and refinanced my husbands vehicle to lower the but our family  stand the austerity and i want Strong enough to make our kids Are pretty my husband has not had any Luck get Ting a Job and my paycheck is spread very the Good news is that were still paying everything on food is always on the table and i managed to talk myself out of draining the one asset we which is the in my answer Good for you for not touching your retirement Money Money despite everything that gone breaking into a 401 k is usually a terrible you end up pay ing hefty taxes and penalties on the plus youve lost the tax Benefit on any future gains the Money could have your biggest financial besides your Hus bands failing is probably s sit Ting in your Many families Over spend on cars by buying vehicles that Are too expensive or by being too Quick to replace cars that could have been re or higher Gas prices just add to an expense Load of insurance and registration costs that was already there really Arent any magic if you want finances that you need to make More reduce costs or if you have any equity in your you should consider Selling one or both and buying some thing cheaper As a Way of reduce Liz pull Lam fridays Market summary 1 52week net Ltd 52wk High Low name last chg Dow Jones industrials Dow Jones transportation Dow Jones utilities nose composite amex Index Nash a composite Russell 2000 do Wilshire 5000 1 nose amex most Active of More name last Active Oft More name last Active or More name last chg forum 552145 Pfizer 532504 Geneles 466022 Motorola 378041 355126 pm cup 313204 Exxon by 299633 i Tigre 265242 Micron 251029 and 246529 1257443 ishr2knya 713057 Prusha Rqn 199294 spongy 160551 Sutil 130992 Semi her 111905 do Madiam 107069 spa Sci 89837 oils vat 69527 56046 1461355 Sun Micro 938881 push Sqq 882127 Microsoft 723293 Cisco 584683 Sirius 441548 Oracle 301459 co cast s 281916 qua com 281138 level 280633 key defense stocks name div be last Ltd Valliant Armor computer general general Harris Allied l3 Lockheed Martin Rockwell Texas United key Mutual funds name Nav Ltd ret Fidelity invest Greco Fidelity invest Grolnic Fidelity spartan  Putnam funds a or snap Amer Century inv Ultra Fidelity invest Amorso Fidelity invest Oversea Fidelity invest us i aim investments a const p Frnk a Sec Para aim investments a Char tap Fidelity advisor Fidelity advisor Putnam funds a Globe qty Fidelity advisor Tiv seat  Putnam funds a gig vap ing your husband should look for any Job that will generate even if its not a perfect fit or pays less than hed of you also need to Cre ate and stick with a workable spending talk your kids and your husband Are old enough to understand that Money is tight and that sometimes sacrifices have to be made and that we cant always have everything we youre not doing any one a favor by continuing to spoil your kids or pretending your Finan Cial situation is better Weston than it if you stick with your hard work can pay eventually youll retire the debt and be Able to set aside enough Money to cover emerged so that when something blows up you can pay for it with not youll have peace of rather than constant anxiety about Doest that sound like Exchange rates military rates euro costs june Dollar buys june British Pound june japanese yen june South korean won june Commer Dai rates Bahrain British Canada China Denmark Egypt Hong Kong Hungary Israel Japan Kuwait Norway Philippines Poland saudi Arabia Singapore South Korea Switzerland Thailand Turkey new military Exchange rates Are those available to customers at military Bank ing facilities in the country of issuance for South the Netherlands and the United for no local currency Exchange rates purchasing British pounds in Germa Check with your local military Bank ing commercial rates Are inter Bank rates provided for reference when buying All figures Are foreign currencies to one except for the British which is represented in and the which is precious metals York merc Gold interest rates prime discount Federal funds Market 3month 30year sources the associated Bank of America your kids and your husband Are old enough to understand that Money is tight and that sometimes sacrifices have to be made and that we cant always have everything we its Worth the Effort dear Liz most articles and Money magazines recommend fee based financial we have interviewed several in the past couple of and All want to do full fledged projects that Cost thousands of these planners were found on the National association of per Sonal financial advisors web recommendations on finding a planner who is willing to do a portion of financial plan such As asset allocation and analysing a portfolio answer you should know that theres a big difference be tween fee based and fee Only financial fee based planners May receive commissions for invest ment products they in addition to the fees they charge fee Only planners Are compensated solely by the fees you pay and that probably the Model you most Good fee Only planners would prefer to do a comprehensive plan to make sure youre on track in All the important including budget and Cash estate insure investments and but As youve that can be some fee Only planners will do the work Only if you agree to have them manage your there planners willing to work by the one place to look for them is through the Garrett planning network at or 866 for the Best interview a few candidates and find one who has clients in similar financial Situa 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 and sensibility Money tip of the Day sources for building nest egg Mcclatchy news service a retirement nest egg can take Many generating income from several financial such As a annuity or individual retirement to help sort out the variety of saving and income options available for several web Sites offer a wealth of Here Are a few Harp offers overview and Fea tured retirement planning covers different stages of saving for and retirement Money discusses a variety of ways to maximize income from retirement invest explores different sources of retirement in eluding tax deferred accounts and department of labor features 10 ways to save and prepare for re with additional useful discover Why so Many people Are Siw