In its Joint Urgent Operational Needs Statement, the US Special Operations Command (SOCOM) requested 325 “Miniature Aerial Missile Systems” or LMAMS by this summer, the delivery of which has already been completed, US-based Defense One reported.
According to the report, SOCOM has just received 350 of the so-called switchblades — tube-launched drones outfitted with cameras and cursor-on-target GPS navigation — which can be fired from “handheld bazooka-like launchers.”
It cited officials of the California-based company, AeroVironment, which manufactures the drones, further adding that they “can be operated manually or autonomously.”
The drone can fly for about 15 minutes, at up to 100 miles per hour.
The report further cited Army Colonel John Reim, who outfits special operations troops as head of SOCOM’s Warrior program office, as saying that he needs missile drones that can blow up bigger targets.
“We have a good capability right now with the Switchblade. But it’s got a smaller payload. How do you get a little larger?” Reim asled.
“We’re trying to create organic firepower and situational awareness in so many of the places we operate in.”
According to SOCOM commander General Ray Thomas, the US military is not alone in developing the new lethal drones, alleging that “ISIL weaponeers” based in Mosul, Iraq, have converted “an off-the-shelf rotary-wing quadcopter” into a flying 40 mm weapon.
SOCOM has begun working with the Baltimore-based Johns Hopkins University’s Applied Physics Lab to convert the devices US troops use to detect an jam improvised explosive devices (IEDs) into drone jammers.
“The Johns Hopkins Applied Physics Lab was able to really help us out,” said Reim. “We’ve made some initial progress. I’ve got an initial capability out now.”
The development comes amid continued US military involvement in Iraq and multiple incidents, in which American forces have targeted Iraqi troops and volunteer defense forces during their operations against ISIL terrorists, triggering protests and calls for US troop ouster from the country, so far to no avail.
A dramatic video released by the Saif Al Sham Brigades fighting in southern Syria shows an Islamic State guided missile ricocheting off a T-55 tank with a hard metallic smack.
It was close … seriously close. For whatever reason — a dud or a bad shot — the ISIS missile failed to explode. Had it, the blast could have blown up the tank, killed the crew and the rebel filming the incident. The camera operator, stunned by the blast, captures the tank backing off. The T-55 later returns and fires its cannon in a “shoot and scoot” maneuver.
The tank — almost certainly captured from the Syrian army — had no discernible “active protection” systems which can scramble a missile’s guidance systems. The ISIS missile was almost certainly captured … but the origin is unknown.
The Saif Al Sham Brigades is a Free Syrian Army group active in southern Syria and has appeared on lists of CIA-vetted rebel factions. Saif Al Sham counts itself as part of the Southern Front coalition of rebel groups, but this is a loosely-knit organization at the best of times.
The Front has also received support from Turkey, Qatar and Saudi Arabia. It’s unclear if Saif Al Sham specifically has received any funding or weapons from any of these nations.
What the video does demonstrate is the intense pressure anti-tank guided missiles can put on armed combatants in the Syrian civil war. Despite failing to knock out the tank, which was quickly back in action, the close call was enough for the rebels to back up — fast.
Tank-killing missiles have proliferated so much, they’ve effectively halted armored breakthroughs and contributed to a five-year-old stalemate.
A lot happened this week. It’s a good thing healthcare is still healthcare, because now the Juice is loose. So forget the news. It’s time to kick back and chill out with some clever, good-natured comedy.
Since we don’t have any of that, here are the top military memes of the week.
1. Fight senior leadership with words, not swords.
2. Somewhere a trainee got recycled so far back through basic training, they’re wearing BDUs.
3. If you break one soldier, there are literally thousands more.
Retired Army Staff Sergeant Travis Mills went out on a foot patrol on April 10, 2012. It was his third tour in Afghanistan. He woke up on his 25th birthday to find that he’d stepped on on improvised explosive device, or IED, and that he’d suddenly become a quadruple amputee.
David Vobora was an NFL athlete who’d been dubbed “Mr. Irrelevant” after being the last draft pick of the season in 2008. While playing for the Seattle Seahawks, Vobora blew out his shoulder. It would ultimately force him to retire from the NFL at just 25 years old.
In the intervening years, Mills and Vobora forged an unlikely friendship.
“I had 25 good years with my arms and legs, and now I got the rest of my life to still keep living and pushing forward,” Mills said during an interview on “The Ellen Degeneres Show” yesterday.
“Something was missing,” Vobora, who is now a personal trainer, said. He noted that his work with professional athletes and wealthy clients was failing to fill a void in his life.
When Vobora met Mills, “I just knew I had to work with him.”
Mills talks about his predicament with lots of humor. When thanked for his heroism, Mills somewhat shrugs and replies, “I didn’t do more than anyone else. I just had a bad day at work, you know; a case of the Mondays.”
His wife, with whom he is expecting their second child, is equally humorous. “I’m in it for the handicapped parking,” Mills quotes her as having said shortly after his leg had to be amputated.
The men of the 2nd Armored Cavalry Regiment spearheaded one of the American columns that invaded Iraq on Feb. 23, 1991. After three days of light fighting they stumbled into one of the largest Iraqi armored formations and annihilated it with cannons, TOW missiles and mortars in the Battle of 73 Easting, often called “the last great tank battle of the 20th century.”
Then-Capt. (now Lt. Gen.) H.R. McMaster, commander of Eagle Troop, 2nd Squadron, 2nd ACR, literally wrote the book on the battle and commanded one of the lead elements in the fight.
Helicopters buzzed over Eagle Troop as the ground invasion of Iraq began on Feb. 23. The mission of the 2nd ACR was simple in theory but would be challenging to achieve. They were to cut off Iraqi retreat routes out of Kuwait and destroy the large armored formations thought to be hiding in the flat, featureless desert.
The empty desert could be challenging to navigate since there were no features to use for direction. Heavy rains and windstorms limited visibility as the tanks and other vehicles felt their way through the desert.
Fox troop made contact first, destroying a few enemy tanks. Over the next couple of days, 2nd Squadron tanks and vehicles would encounter enemy observation and scout vehicles and destroy them with missiles and cannons, but they couldn’t find the Iraqi Republican Guard divisions they knew were dug somewhere into the desert.
In the afternoon of Feb. 26, 1991, McMaster was pushing his troop through a sandstorm when he crested a rise and there, directly in front of him, was an entire division of Iraqi tanks with elite crews. Finding himself already in range of the enemy, he immediately gave the order to fire.
The enemy had parked themselves away from the slight rise so that they would be hidden and so incoming American tanks would be forced to drive down the hill towards them. This exposed the relatively weak top armor of the tank to the Iraqi guns.
But the Iraqis had lost most of their scout vehicles and so were just as surprised as the U.S. commanders when the two armored forces clashed, leaving them unable to capitalize on their position.
McMaster’s opening salvo set the tone for the battle. His first shot was a HEAT round that destroyed a tank cowering behind a berm. His second shot, a depleted uranium sabot shell, shot through an Iraqi tank that was swiveling to fire on him. As his crew targeted a third enemy, the driver realized they were driving through a minefield and began taking evasive action.
Enemy rounds began falling around the lead tank as the two tank platoons in Eagle Troop got on line to join the fight. Nine American tanks were now bearing down on the Iraqi positions, destroying enemy T-72s and armored vehicles. As McMaster described it in his first summary of the battle:
The few seconds of surprise was all we had needed. Enemy tanks and BMP’s (Soviet-made armored personnel carriers) erupted in innumerable fire balls. The Troop was cutting a five kilometer wide swath of destruction through the enemy’s defense.
The Bradley fighting vehicles joined the tanks, firing TOW missiles at the enemy armor and using their guns to cut down Iraqi infantry. Mortar and artillery support opened up, raining fire onto the remaining Iraqi positions.
The American forces cut down 30 tanks, 14 armored vehicles, and hundreds of infantrymen before reaching their limit of advance, the line they were originally told to halt at. But McMaster ordered the troop to continue attacking, fearful that the Iraqis would be able to regroup and wage a strong counterattack.
At 23 minutes since first contact, McMaster declared it safe to halt his troop’s advance. The single armored troop had crippled the Iraqi flank with zero casualties. One American tank from the 2nd Squadron headquarters had received light damage from a mine.
Near the Eagle Troop position, Ghost, Killer, and Iron troops were mixing it up other Iraqi units and trying to catch up to Eagle. The enemy made a few half-hearted attempts at counter-attacking the U.S. tanks, but they were quickly rebuffed.
That night, the U.S. called on the Iraqi’s to surrender and it was answered by droves of troops. About 250 survivors surrendered to Eagle Troop.
Up and down the U.S. lines, the story was similar to that of Eagle Troop. The Iraqis suffered nearly 1,000 casualties, 85 tanks destroyed, 40 armored vehicles destroyed, 30 wheeled-vehicles lost, and two artillery batteries annihilated. The U.S. suffered 12 men killed, 57 men wounded, and 32 vehicles destroyed or damaged.
Dust off your VHS tape, grab a DVD, or search Netflix for the 1996 comedy ‘Sgt. Bilko’ starring comedic icons Steve Martin, Dan Aykroyd and the late, great Phil Hartman and give it a rewatch sometime. The movie is a remake of the hit 1950’s series The Phil Silvers Show. Most will agree that the movie was not nearly as good as the show. In fact, the numbers to prove it. “Sgt. Bilko” has a 32 percent critic favorability rating on the movie review site Rotten Tomatoes. Users score the film a bit better at 45 percent.
Martin plays the wheeling and dealing Army Master Sgt. Ernest Bilko, a motor pool supervisor who uses his soldiers to make a quick buck by running an illegal gambling ring on a fictional Army base called Fort Baxter. Aykroyd plays Army Col. John T. Hall, the base’s commanding officer. The colonel seems mostly unaware of or unconcerned with Bilko’s antics and Bilko practically runs the base.
It’s all smooth sailing for Bilko until an old rival (Major Colin Thorn, played by Hartman) arrives to inspect his motor pool. It’s part of a plan to punish Bilko for the fixed boxing match that sent him to Greenland years before. He also seeks his revenge by trying to steal away Bilko’s fianceé.
The movie is also centered on the development of a Hover Tank that can rise over land and water. However, the tank is not yet ready for prime time. The fate of Fort Baxter and Bilko’s career rest on the tank performing well in a high-profile demonstration in front of a Congressional delegation and senior military officials.
Although it’s not a great military film and several blunders are clearly noticeable in the movie. The wear of military uniforms and errors in military customs and courtesies are the most egregious errors, but there are some scenes that many veterans will find funny.
In the opening scenes of the movie, Bilko is signaled by the base radio station that Col. Hall is on his way to his location. The motor pool is a mini Las Vegas with craps and roulette tables, full bar and massage room. The Soldiers are in a hurry to hide all the illegal activities but find themselves in a dilemma when they have to hide a horse used in a previous gambling scheme. In classic Bilko fashion, he tries to smooth talk his way out of trouble.
The rivalry between Maj. Thorn and Master Sgt. Bilko is explained in this flashback scene. In anticipation of a big boxing championship match, Bilko takes in bets. Like the good con man he is, Bilko pays off one of the fighters to take a dive hoping to score some big money. But a problem arises when Bilko’s assistant pays off the wrong fighter. The miscommunication leads to a double knockout. Somehow though it’s Thorn and not Bilko who gets in trouble for the botched fight.
Bilko’s platoon is given a surprise barracks inspection. The motor pool barracks are trashed. Facing certain failure, Bilko switches the signs between his barracks and a neighboring women’s barracks. In typical military fashion, the men line up in front of the rooms. When Thorn finds a bra in one of the closets, he asks the soldier if it’s his. His DADT-related reply is classic: “It is my understanding that you can no longer ask me these questions, Sir.”
Duane Doberman is one of Bilko’s most lovable soldiers. However, he is clearly out of Army weight standards. Maj. Thorn is out to get him but his battle buddies come to his rescue, helping him complete some push-ups in front of the officer. See the push-ups for yourself:
Viva Las Vegas
Bilko’s dream of going to Vegas comes true when he is allowed to go to a military exercise in Nevada. He is overjoyed and cruises the Vegas strip in some military hardware.
The Hover Tank
Like a good NCO, Master Sgt. Bilko outwits Maj. Thorn and gets the tank up and running with some deceptive tactics. Eventually, it leads to the dismissal of Thorn back to Greenland. Bilko is once again the ruler of his domain. “It’s no wonder why they call him a Master Sergeant.”
The cover story of National Geographic magazine’s February issue, “The Invisible War on the Brain,” takes a close look at a signature injury of the Afghanistan and Iraq Wars—traumatic brain injuries (TBIs) caused by the shock waves from explosions. TBIs have left hundreds of thousands of U.S. veterans with life-altering and sometimes debilitating conditions, the treatment of which can be extremely complicated. At Walter Reed Medical Center in Bethesda, Maryland, soldiers paint masks that help them cope with their daily struggles and help them reveal their inner feelings. We invite you to see the service members’ masks and read the full story here.
Impeccable in his Marine uniform and outwardly composed, McNair sits on the porch of his parents’ home in Virginia, anonymous behind a mask he made in an art therapy session. “I was just going through pictures, and I saw the mask of Hannibal Lecter, and I thought, ‘That’s who I am’ … He’s probably dangerous, and that’s who I felt I was. I had this muzzle on with all these wounds, and I couldn’t tell anyone about them. I couldn’t express my feelings.”
Wearing his mask—half patriotic, half death’s-head—Hopman confronts the battery of medications he takes daily for blast-force injuries he sustained while treating soldiers as a flight medic. “I know my name, but I don’t know the man who used to back up that name … I never thought I would have to set a reminder to take a shower, you know. I’m 39 years old. I’ve got to set a reminder to take medicine, set a reminder to do anything… My daughter, she’s only four, so this is the only dad she’s ever known, whereas my son knew me before.”
“Detonation happened, and I was right there in the blast seat. I got blown up. And all this medical study—nobody ever thought that they [blast events] were very harmful, and so we didn’t log them, which we should because all blast forces are cumulative to the body. On a grade number for me, it would probably be 300-plus explosions … I’m not going to not play with my children. I’m not going to let my injuries stop them from having a good life.”
Tiffany H., as she prefers to be known, was “blown up” while helping women in a remote Afghan village earn additional income for their families. Memory loss, balance difficulties, and anxiety are among her many symptoms. The blinded eye and sealed lips on her mask.
Suiting up before attempting ordnance disposal “is the last line. There’s no one else to call … It’s the person and the IED … and if a mistake is made at that point, then death is almost certain. They call it the long walk because once you get that bomb suit on, number one, everything is harder when you’re wearing that 100 pounds … Two, the stress of knowing what you’re about to do. And three, it’s quiet, and it seems like it takes an hour to walk.”
Former Cold War rivals Russia and Pakistan are moving forward with their first-ever joint military exercises, an event that signals the two nations are working more closely together to combat terrorism in their respective countries.
The exercise is small in size – only 70 Russian soldiers and officers joining 130 Pakistani counterparts. But the implications are huge.
Called Friendship 2016, the Russian troops arrived in Rawalpindi on Friday aboard an Ilyushin Il-76 military transport plane, according to Radio Pakistan. The exercise will continue through October 10.
“It is planned that the Russian and Pakistani military servicemen will share their experience and employ teamwork in fighting in mountainous areas, particularly destroying illegal armed groups,” the Russian news service TASS reported.
TASS also reported that personnel from a mechanized infantry unit of the Russian Southern Military Command’s Mountain Mobile Brigade are part of the exercise.
“The Southern Military Command’s mechanized infantry servicemen are fully equipped and have their mountain gear with them, as well as ammunition for their standard weapons,” TASS stated, quoting the military command’s media service.
The exercise’s name is symbolic, indicating a lessening of tensions between Moscow and Islamabad that started last year when Russia lifted its arms ban against Pakistan.
The result was the sale of four MiG Mi-35 attack helicopters – the first sale of its kind between the two countries – to help replace Pakistan’s aging fleet of U.S.-made AH-1 Cobras. In addition, Pakistani army, navy, and air force representatives visited Russia during the last year to consult with their opposite numbers.
This is in stark contrast from the days when Pakistan under the leadership Muhammad Zia-ul-Haq was an ally of the United States that helped transport arms and men into the fight against Soviet forces after the 1979 invasion of Afghanistan. In recent years, the relationship between the U.S. and Pakistan cooled after Washington accused Islamabad of turning a blind eye to Taliban fighters using Pakistan as a refuge.
Pakistan denies that it is sheltering the Taliban. In the meantime, the United States improved ties with India, Pakistan’s bitter enemy.
At first, the location of at least some of the war games was both in doubt and controversial. Initial reports indicated that the exercises would be held in what the United Nation’s calls Pakistan-administered Kashmir, an area on the border between India and Pakistan marked by tension since 1947.
Pakistan calls the area Azad Kashmir; India refers to the area as Pakistan-occupied Kashmir.
According to a clarification issued by the Russians, “The Russia-Pakistan anti-terror exercise is not being held and will not be held in any point of so-called ‘Azad Kashmir’ or in any other sensitive or problematic areas like Gilgit and Baltistan. The only venue of the exercise is Cherat.”
Cherat is about 34 miles southeast of Peshawar and located at about 4,500 feet in the Khattak Range. It serves as a base for the Special Services Group, the primary special operations force of the Pakistan Army.
Meanwhile, Russia is still moving forward with long-standing joint exercises with India called Indra 2016, hosting more than 500 Indian soldiers in Vladivostok. Russia and India have held the counterterrorism exercises together since 2003.
The 1981 film “Stripes” featured what is probably the worst group of movie soldiers ever to join the Army (that was kinda the point of the film). Bill Murray’s John Winger is a New York cab driver who loses his job, apartment, and girlfriend and decides to join the Army as a way to avoid being a total failure in life. He convinces his best friend Russell Ziskey (played by the late Harold Ramis) to join with him. Their drill sergeant, Sgt. Hulka (played by the late Warren Oates), is injured during mortar practice and the group has to finish basic training without instruction (suspend your disbelief for this comedy, troops).
In an effort to stay in the Army and graduate from Basic Training, Winger and his platoon stay up for an entire night (the whole night!) in order to put on the unconventional yet highly produced and coordinated routine. Uniform violations are everywhere, so if that’s the kind of thing that gives you seizures, try not to look too closely:
Scenes from the movie, including those on post and those in Czechoslovakia, were filmed on Fort Knox, so the film is close to hearts of the Fort Knox, Kentucky community. The movie celebrated its 35th anniversary in 2016. To help that celebration, an honor guard from the U.S. Army’s Human Resources Command performed the entire Stripes “Razzle Dazzle” graduation routine at Fort Knox (complete with uniform violations).
San Francisco’s fog is famous, especially in the summer, when weather conditions combine to create the characteristic cooling blanket that sits over the Bay Area.
But one fact many may not know about San Francisco’s fog is that in 1950, the US military conducted a test to see whether it could be used to help spread a biological weapon in a “simulated germ-warfare attack.” This was just the start of many such tests around the country that would go on in secret for years.
But, as she writes, it was also “one of the largest offenses of the Nuremberg Code since its inception.”
The code stipulates that “voluntary, informed consent” is required for research participants, and that experiments that might lead to death or disabling injury are unacceptable.
The unsuspecting residents of San Francisco certainly could not consent to the military’s germ-warfare test, and there’s good evidence that it could have caused the death of at least one resident of the city, Edward Nevin, and hospitalized 10 others.
This is a crazy story; one that seems like it must be a conspiracy theory. An internet search will reveal plenty of misinformation and unbelievable conjecture about these experiments. But the core of this incredible tale is documented and true.
‘A successful biological warfare attack’
It all began in late September 1950, when over a few days, a Navy vessel used giant hoses to spray a fog of two kinds of bacteria, Serratia marcescens and Bacillus globigii — both believed at the time to be harmless — out into the fog, where they disappeared and spread over the city.
“It was noted that a successful BW [biological warfare] attack on this area can be launched from the sea, and that effective dosages can be produced over relatively large areas,” concluded a later-declassified military report, cited by the Wall Street Journal.
Successful indeed, according to Leonard Cole, the director of the Terror Medicine and Security Program at Rutgers New Jersey Medical School. His book, “Clouds of Secrecy,” documents the military’s secret bioweapon tests over populated areas. Cole wrote:
Nearly all of San Francisco received 500 particle minutes per liter. In other words, nearly every one of the 800,000 people in San Francisco exposed to the cloud at normal breathing rate (10 liters per minute) inhaled 5,000 or more particles per minute during the several hours that they remained airborne.
This was among the first but far from the last of these sorts of tests.
Over the next 20 years, the military would conduct 239 “germ-warfare” tests over populated areas, according to news reports from the 1970s (after the secret tests had been revealed) in The New York Times, The Washington Post, Associated Press, and other publications (via Lexis-Nexis), and also detailed in congressional testimony from the 1970s.
These tests included the large-scale releases of bacteria in the New York City subway system, on the Pennsylvania Turnpike, and in National Airport just outside Washington, DC.
In a 1994 congressional testimony, Cole said that none of this had been revealed to the public until a 1976 newspaper story revealed the story of a few of the first experiments — though at least a Senate subcommittee had heard testimony about experiments in New York City in 1975, according to a 1995 Newsday report.
A mysterious death
When Edward Nevin III, the grandson of the Edward Nevin who died in 1950, read about one of those early tests in San Francisco, he connected the story to his grandfather’s death from a mysterious bacterial infection. He began to try to convince the government to reveal more data about these experiments. In 1977, they released a report detailing more of that activity.
In 1950, the first Edward Nevin had been recovering from a prostate surgery when he suddenly fell ill with a severe urinary-tract infection containing Serratia marcescens, the theoretically harmless bacterium that’s known for turning bread red in color. The bacteria had reportedly never been found in the hospital before and was rare in the Bay Area (and in California in general).
The bacteria spread to Nevin’s heart and he died a few weeks later.
Another 10 patients showed up in the hospital over the next few months, all with pneumonia symptoms and the odd presence of Serratia marcescens. They all recovered.
Nevin’s grandson tried to sue the government for wrongful death, but the court held that the government was immune to a lawsuit for negligence and that they were justified in conducting tests without subjects’ knowledge. According to The Wall Street Journal, the Army stated that infections must have occurred inside the hospital and the US Attorney argued that they had to conduct tests in a populated area to see how a biological agent would affect that area.
In 2005, the FDA stated that “Serratia marcescens bacteria … can cause serious, life-threatening illness in patients with compromised immune systems.” The bacteria has shown up in a few other Bay Area health crises since the 1950s, according to The San Francisco Chronicle, leading to some speculation that the original spraying could have established a new microbial population in the area.
While Nevin lost his lawsuit, he said afterward, as quoted by Cole, “At least we are all aware of what can happen, even in this country … I just hope the story won’t be forgotten.”
For anyone who’s been through it, recruit training (or boot camp or whatever your service calls it) conjures up memories of hard work, new life lessons and a real sense of accomplishment.
But while the reward at the end of the experience seems worth it when it’s over, a lot of boot camp just plain sucks.
So here are eight things you surely don’t miss about basic training.
1. Losing sleep
The days of sleeping until noon are over. Getting up at 0400 or 0500 every morning is the norm. At times, trainees only get four hours of sleep due to night training events. Eventually, recruits learn to take “power naps” during moments of downtime to make up for the lack of sleep.
2. Eating in a hurry
During basic training, you have mere minutes to eat your food. This is where the old saying of “eat your chow in a hurry, you’ll taste it later” earns its meaning.
3. Fire Guard
You are sleeping comfortably following a long day of training when suddenly a fellow trainee wakes you up and tells you “it’s your turn for fire guard.”
It’s 0200, you walk around the barracks or sit at a desk while making sure the doors are secure and everyone is accounted for is part of military conditioning during training.
On fire guard, you must also be alert because drill sergeants could show up at any time to make sure guards are not sleeping on duty. They may even ask you some military questions or ask you to recite your general orders.
4. Running everywhere
Some days you may have felt like Forrest Gump because at boot camp you “just kept running” everywhere you went. “Double time” is a way of life.
5. Buffing floors
It feels like trainees should earn a special badge for the number of times they buff the floors during basic training. The sad part is those floors only stay clean for about a half day.
6. Doing push-ups
Doing hundreds of push-ups every day will make you stronger. However, at some point your arms will feel like they are going to fall off.
7. The gas chamber
I don’t think anyone misses the feeling of choking, thinking your eyes are coming out of their sockets and mucus flowing out of your nose.
8. Getting yelled at all day long
After finishing boot camp, you’ll appreciate having a conversation with someone who isn’t 1 inch from your face and screaming in your ear.
Tell us what you don’t miss from basic training/boot camp in the comments section below.
If you sit down at your computer and search for, “Help with PCS,” you will find dozens of articles telling you what to do. Heck, the military even hands your spouse a list that says, “DO THIS.”
This is not one of those lists.
Instead, this is a list to help you de-crazy your brain in those weeks leading up to the Big Move. This is a list that reminds you that everything that needs to get done will, in fact, get done.
And, if it doesn’t? It probably wasn’t that important to begin with.
1. Do Not expect to de-clutter, organize and label every aspect of your life before the movers come.
We have big plans to separate and label all of the junk we aren’t willing to part with this time around, and we may even purchase the storage bins as a proactive move. But, let’s face it. Moving day comes at lightning speed, and you end up lugging all those loose pictures you planned to consolidate into albums. Try again next PCS.
2. Do Not become too attached to those expected dates for your Household Goods to arrive.
Riiight, 5-10 business days? Try two weeks, or a month. Or, half of it within three days, and the other half in six months after they locate it. The point is, bring enough clothes, enough toys and at least one pot for making macaroni and cheese with you to the new duty station, and you’ll survive until the movers get here. … Whenever that is.
3. Do Not bother doing all your laundry before they pack up the house.
If you plan on driving to the next duty station, toss the laundry basket of dirty clothes in your car and finish it while you sit in temporary lodging. Trust me, you’ll need something to do while you’re waiting for your spouse to out-or in-process. Candy Crush gets boring after a while.
4. Do Not plan too many activities the week of moving day.
You will be stressed out, you will be overloaded, and you will already be racking your brain to think of the million and one things you’re probably already forgetting. Plan your last Girl’s Night Out, or your kiddos last play dates the week before, and reserve those final days for the last-minute-details that always seem to pop up.
5. Do Not assume the movers will know not to pack certain things.
Even obvious things like trash, car keys and cat litter boxes. And, if they don’t have a problem packing cat feces, they’re for sure going to assume your child’s favorite stuffed animal that they tossed on the floor — the one that they have to sleep with or the world falls apart — is fair game. So, if you don’t want them to pack it, my best suggestion would be to take open a safety deposit box at the bank and keep all of the stuff you want to take with you in it. I assume that will prevent them from finding it, but no guarantees.
6. Do Not get hung up on what the movers put in which boxes.
As long as it all generally goes in the same room—or floor—of the house, just call it good. You’ll run yourself ragged trying to micromanage an entire house move, and annoy the movers at the same time. Remember, happy movers mean the potential for less damaged items.
7. Do Not sweat the small stuff.
That first PCS will make you crazy as you balance trying to clean out base housing to the housing office’s satisfaction and feeling helpless watching as the packers touch every single item of your personal effects and pack it away for who-knows how long.
A PCS only comes around … well, to be honest, they come around pretty often, which is why a “don’t” list is something we all need. Do Not fret; you learn something from each move, and by the time you make your final one, you’ll be a pro.
The American Forces Press Service reports that payday loans have become a $40 billion business and are especially prominent outside military bases. David VanBeekum, a market manager for a local bank near Hill Air Force Base helps to educate Airmen about how payday loans work. He said Utah has 350 payday lenders and almost 10 percent of them are located just outside the base’s gates.
But you don’t have to physically go to the stores. The Internet has 2.5 million links for payday loans, 4 million for cash advance sites; and 31 million for check advance sites. In addition, the Hill Air Force Base Airman and Family Readiness Center, which offers financial counseling services for military members, found that in California the payday loan outlets outnumber McDonalds and Burger King restaurants combined.
Typically, payday loans are for relatively small amounts of money in increments of $100, up to $1,000. It’s easy to obtain one of these loans. All anyone needs is a bank account, proof of a steady income such as a pay statement, and a simple form of identification. It takes about 20 minutes to secure a loan.
Payday lenders target women, those who earn $25,000 or less per year, minorities, and military members. The borrower writes a personal check or grants electronic access for the amount of the loan and a finance charge. However, these loans are not long term and become due on the borrower’s next payday, either in one or two weeks. The interest compounds quickly and calculates to an average of 390 to 780 percent annual percentage rate. There’s no payback installment plan so the borrower must pay the entire amount due in order to avoid another finance charge associated with an extension of the entire loan principle.
This style of business traps the borrower into a repetitive cycle. On average, a person choosing a payday lender ends up with eight to 12 loans per year. A successful payback of the loan is not reported to the credit bureaus and there are documented cases of companies resorting to unlawful or questionable collection tactics.
Each state establishes its own regulations, finance fees and interest rate limits, not the federal government, Mr. VanBeekum said. There’s even a lender in Utah who charges as much 1,335 percent, and even though they’re required by law to advertise the interest rate, 75 percent of them do not.
The Consumer Federation of America, a non-profit advocacy group, has studied the payday loan industry for the past 10 years and said the industry meets the criteria for predatory lenders who have abusive collection practices, balloon payments with unrealistic repayment terms, equity stripping associated with repeated refinancing and excessive fees, and excessive interest rates that may involve steering a borrower to a higher-cost loan.
Besides the high interest rates, CFA surveyors found they misrepresent themselves as check cashers even though they are not registered with the state as a check cashing entity. They will not cash your personal check. Instead, they are only willing to hold your check until payday. The lenders will threaten or badger the client into paying the loan and many people end up rolling over the entire balance of the loan, and thus incur the finance fees again. A number of payday lenders have also ignored the Electronic Fund Transfer Act and found ways to access a consumer’s account when not authorized or when authorization was withdrawn.
The PenFed Foundation’s Asset Recovery Kit (ARK) provides a no-interest alternative to predatory lending for active duty, reserve, and National Guard military.
Fees for predatory payday loans can be an astronomical $19 for each $100 borrowed until payday. Through ARK, one can borrow up to $500 with a flat fee of $5 and no interest for one month.
ARK is a hassle-free, confidential, and smart way to deal with money problems.
Active duty, reserve, and National Guard military are eligible
No credit report is pulled because those with emergency cash needs have already exhausted their options.
No interest is charged, just an application fee of $5. With ARK, you don’t fall further into debt.
Immediate cash loans up to $500 (or 80 percent of net pay) are available for one month.
There’s minimal paperwork just a simple one-page form.
It’s completely confidential, meaning we don’t tell anyone who has come to see us.
Up to three loans in six months are available, but after the first ARK loan, the recipient must sit down with a local Consumer Credit Counselor identified by the foundation.
ARK was designed to be as easy as a payday loan, but without the negative consequences. The goal is to rebuild or repair credit, improve cash flow and increase money-management skills.
PenFed partners with credit unions across the country to bring the ARK program to military men and women. They welcome new credit union partners. Please contact them to learn more.