The Russian Ministry of Defense released on July 19 videos of five new weapon systems, which Russian President Vladimir Putin bragged would render make US missile defenses “ineffective” in a March address.
The new weapons included a new intercontinental ballistic missile, a global cruise missile, a nuclear torpedo, a hypersonic plane-launched and nuclear-capable missile, and a laser.
As opposed to other nuclear weapons in which lingering radioactivity is only a dangerous side effect, the Poseidon uses radioactive waste to deter, scare, and potentially punish enemies for decades to come.
It’s supposedly surrounded by cobalt, which, when detonated, would spread a shroud of radioactive cobalt indiscriminately across the planet. One US analyst estimated that the cobalt would take 53 years to return to non-dangerous levels.
RIA Novosti reported on July 19 that tests of the Poseidon were “being completed.”
According to the Russians, it has a top speed of Mach 10, a range of 1,200 miles and is even maneuverable at hypersonic speeds. With the 1,860-mile unfueled range of the MiG-31BM, the Kinzhal would have intercontinental strike capability.
The Peresvet laser’s capabilities remain shrouded in mystery, but Russian state-owned media TASS has reported that they’ve “been placed at sites of permanent deployment … Active efforts to make them fully operational are underway.”
The Defence Blog has speculated that they could be jamming lasers, while two Russian military analysts have suggested that the lasers will be used for air and missile defense.
This article originally appeared on Business Insider. Follow @BusinessInsider on Twitter.
A Russian-American crew of three has arrived at the International Space Station (ISS), marking success in the second attempt to reach the craft after an aborted launch in October 2018.
The Russian Soyuz rocket carrying U.S. astronauts Nick Hague and Christina Koch along with Russian cosmonaut Aleksei Ovchinin arrived at 0101 GMT/UTC on March 15, 2019, a few minutes ahead of schedule after a six-hour flight.
The craft lifted off without incident from the Baikonur cosmodrome in Kazakhstan on March 14, 2019.
The Soyuz MS-12 flight reached a designated orbit some nine minutes after the launch, and the crew reported they were feeling fine and all systems on board were operating normally.
NASA astronauts Nick Hague (left) and Christina Hammock Koch (right) and Alexey Ovchinin of the Russian space agency Roscosmos (center).
On Oct. 11, 2018, a Soyuz spacecraft that Hague and Ovchinin were riding in failed two minutes into its flight, activating a rescue system that allowed their capsule to land safely.
That accident was the Russian space program’s first aborted crew launch since 1983, when two Soviet cosmonauts safely jettisoned after a launch-pad explosion.
The trio were joining American Anne McClain, Russian Oleg Kononenko, and Canadian David Saint-Jacques, who are currently on board the ISS. They will conduct work on hundreds of experiments in biology, biotechnology, physical science, and Earth science.
1. “Fixed fortifications are monuments to man’s stupidity.”
—George Patton, General of the US Seventh Army
The Maginot Line has come to symbolize a lack of foresight and the dangers inherent when conservative military planners fail to accurately anticipate changes in technology and tactics. The French spent much of the 1930’s constructing the impressive, but ultimately futile Maginot line – a series of defensive fortifications stretching from the French Alps to the Belgium border – to prevent a repeat of the 1914 German invasion. Of course, the Germans basically just drove their tanks around it, encircled the French defenders and in a little more than a month, Nazi tanks were rolling through Parisian streets.
But not everyone was so blind to the changing times. George S. Patton, known primarily for his leadership during the Allied invasion of Europe, the Battle of the Bulge and the allied advance into Germany, had become interested in tank warfare as early as 1917, when he was charged with establishing one of the first American tank schools, the AEF Light Tank School. Patton was the most experienced tank operator of WWI and led the first American tank offensive of the war. As the new tanks helped break the stalemate of trench warfare, it was becoming clear to men like Patton that the future of land warfare would be dominated by mechanized infantry and tank battalions, rendering defensive fortifications, such as the aforementioned Maginot Line, largely obsolete. The inability of European military planners to anticipate the effectiveness of the German Blitzkrieg is one of the leading contributors to the scale and devastation of the war.
2. “If we come to a minefield, our infantry attacks exactly as if were not there.”
—Georgy Zhukov, Marshal of the Soviet Union
While Zhukov was probably making the case that advancing directly through a minefield (rather than slowly progressing through a breakthrough point, allowing Germans to concentrate their fire) would lead to fewer overall casualties, this quote has nonetheless been used to substantiate claims that the Soviet Army did not value the lives of its soldiers. While I think that is an exaggeration, the reality of total war on the Eastern Front dictated that equipment, artillery, planes and tanks were far more valuable than the lives of ordinary soldiers.
The story of the Shtrafbat battalions that fought on the Eastern front highlight this reality. The Shtrafbat were Soviet penal units, composed of deserters, cowards, and relocated gulag inmates. Assignment to the Shtrafbat was basically a deferred death sentence. Often not even given weapons, the Shtrafbat were used as decoys, sent on dangerous reconnaissance missions, and in general deployed as cannon fodder to absorb heavy causalities that would be otherwise inflicted on more effective and battle ready battalions. The most dangerous of such assignments was “trampler duty,” which entailed the Shtrafbat units running across mine fields shoulder to shoulder to clear the area of any enemy mines ahead of advancing troops.
3. “Prussian Field Marshals do not mutiny”
—Field Marshal Erich von Manstein
The Prussian Military tradition has a long and storied history stretching as far back as the Thirty Years War (1618 -1648). The main doctrine of the Prussian army was to achieve victory as quickly as possible by making use of mobile, aggressive flanking maneuvers. Prussian military theorists also refined the concept of drill for infantry troops and implemented a severe disciplinary system to instill obedience, loyalty and unwavering professionalism in the army.
Erich Von Manstein, a Prussian with a long family history of military service, was arguably Hitler’s most effective commander. During Fall Gelb, the Nazi invasion of France, it was Manstein’s plan that was ultimately put in place with resounding success. Manstein was not a member of the Nazi party and while he disagreed with many decisions made by the Nazi high command (especially towards the end of the war), he followed his orders unwaveringly. At the battle of Stalingrad, Manstein repeatedly urged Hitler to allow him to attempt to break out of the city with the 6th Army, potentially saving it, however Hitler refused, leading to the surrender of 91,000 German troops and the deaths of many more.
The following year, the July 20th conspirators approached Manstein to secure his support for Claus Von Stauffenberg’s infamous attempt on Hitler’s life, but he refused, giving the above quote as an explanation. This unquestioning loyalty was all too common among the top German commanders, many of whom were either Prussian or trained in the Prussian tradition, including Field Marshals Heinz Guderian, Gerd von Rundstedt, Fedor von Bock and others. Most were reluctant to disobey or even disagree with orders from the High Command even as their Führer, who had assumed direct control of military decisions, made blunder after blunder on a certain path to total disastrous defeat.
4. “In the first six to twelve months of a war with the United States and Great Britain I will run wild and win victory upon victory. But then, if the war continues after that, I have no expectation of success.”
—Isoroku Yamamoto, Admiral of the Imperial Japanese Navy
This quote might go down as one of the most prophetic of all time. The Japanese strategy to defeat the Americans was to deliver an initial blow at Pearl Harbor and then whittle down the American Navy further as it made its way across the Pacific. The Japanese Navy would then engage the Americans in a final decisive battle after which the Americans would hopefully be willing to sue for peace. There were several problems with this approach, for one, even in war games this strategy hadn’t worked. Secondly, the Japanese were aware that America’s industrial output capabilities could outpace their own and thirdly, some, such as Yamamoto himself in all likelihood, felt that a surprise attack would eliminate the possibility that the U.S. would accept a brokered peace. These miscalculations ensured American entry into the war, further expanding the scale of the conflict.
Admiral Yamamoto made other prophetic statements as well, including this one: “the fiercest serpent may be overcome by a swarm of ants”, in opposition to the construction of the Yamoto Class of Battleships, which he feared would be vulnerable to relentless American dive bombing attacks launched from aircraft carriers. He was right about that too but one thing Admiral Yamamoto could not predict was Magic, the American code breaking operation that led directly to the destruction of the Japanese fleet at Midway and Yamamoto’s own death at the hands of American fighter pilots who, acting on intelligence provided by Magic, intercepted and shot down the plane he was flying in on April 18, 1943.
5. “I suppose if I had lost the war, I would have been tried as a war criminal.”
—Curtis LeMay, Major in the US Air Force
The Pacific War took the concept of total war to horrific new heights with atrocities committed on both sides. The air-raid campaign against Japanese cities being particularly brutal with its large scale use of incendiary explosives. The key to Curtis LeMay’s strategic bombing campaign was saturation bombing – of military installations, industrial areas, commercial zones and even dense residential urban centers – with the hopes that it would weaken the resolve of the Japanese people and stunt their ability to wage an ongoing war.
It is estimated that between 250,000 and 900,000 civilians alone were killed during the air-raids. Sixty percent of the urban area of 66 Japanese cities was burned to the ground, leaving many millions of people homeless. Whether you think LeMay’s firebombing campaign was justified or not, his estimation of his fate should Japan have won the war is probably correct.
The US Navy has shed light on a previously highly classified project meant to protect aircraft carriers from the grave and widespread threat of torpedoes, and it’s been a massive failure.
Virtually every navy the US might find itself at war against can field torpedoes, or underwater self-propelled bombs that have been sinking warships for more than 100 years.
US Navy aircraft carriers represent technological marvels, as they’re floating airports powered by nuclear reactors. But after years of secretive tests, the US has given up on a program to protect the ships against torpedoes.
“In September 2018, the Navy suspended its efforts to develop the [surface ship torpedo defense] system. The Navy plans to restore all carriers to their normal configurations during maintenance availabilities” over the next four years, the report said.
(Photo by Michael D. Cole)
Essentially, the report said that over five years the program made some progress in finding and knocking down incoming torpedoes, but not enough. Data on the reliability of the systems remains either too thin or nonexistent.
This leaves the US Navy’s surface ships with almost no defense against a submarine’s primary anti-surface weapon at a time when the service says that Russia’s and China’s submarine fleets have rapidly grown to pose a major threat to US ships.
The US ignored the threat of torpedoes, and now anyone with half a navy has a shot
The new class of speedy torpedoes can’t be guided, but can fire straight toward US Navy carriers that have little chance of detecting them.
Torpedoes don’t directly collide with a ship, but rather use an explosion to create an air bubble under the ship to bend or break the keel, sinking the ship.
High-speed underwater missile Shkval-E.
(Photo by Vitaly V. Kuzmin)
Other Russian torpedoes have a range of 12 miles and can zigzag to beat countermeasures when closing in on a ship.
In a combat exercise off the coast of Florida in 2015, a small French nuclear submarine, the Saphir, snuck through multiple rings of carrier-strike-group defenses and scored a simulated kill on the USS Theodore Roosevelt and half its escort ships, Reuters reported. Other US naval exercises have seen even old-fashioned, diesel-electric submarines sinking carriers.
Even unsophisticated foes such as North Korea and Iran can field diesel-electric submarines and hide them in the noisy littoral waters along key US Navy transit routes.
The US Navy can deploy “nixies” or noise-making decoys that the ship drags behind it to attract torpedoes, but it must detect the incoming torpedoes first.
A US Navy carrier at 30 knots runs just 10 knots slower than a standard torpedo, but with a flight deck full of aircraft and personnel, pulling tight turns to dodge an incoming torpedo presents problems of its own.
This article originally appeared on Business Insider. Follow @BusinessInsider on Twitter.
Remember that movie Stealth? It’s the one where Jamie Foxx, Jessica Biel, and the other sexy pilots are forced to fly with a plane that has a computer pilot and, turns out, computer pilots are bad because lightning can strike them and drive them crazy and then they murder all the people?
No? Well certainly you’ve seen or heard of the Terminator movies. You know, the ones where plucky humans and their hacked robot bodybuilder are forced to fight other robots in order to prevent a future apocalypse ordered by military AI?
They’re great films, but they imply that any future where computers are controlling the weapons of war is dystopian AF. In reality, we live in a world that has walls, and those walls are guarded by men with guns. It would be much better if the U.S. could guard those walls with robots with guns controlled by men.
This would provide two advantages. First, if the guards on the walls are robots — not fleshy humans — then people shooting at the walls can only destroy hardware, not kill men and women. But perhaps the bigger factor is that artificial intelligence is enabling robots to become better at some jobs than their human controllers.
Stealth‘s artificial intelligence can pilot fighter jets, but, for some reason, needs a special sensor that looks like a robotic eye instead of just using, you know, its radar or even just normal cameras.
This may sound familiar to people for one or both of two reasons. First, the Air Force is actively pursuing this as the wingman concept. But second, Skynet in the Terminator movies got its start piloting stealth bombers where it achieved a “perfect operational record,” according to Schwarzenegger’s character.
Is this so bad? I mean, sure, we should stop short of handing strategic control of the nuclear weapons to Skynet, but that was never a realistic plot premise. Remember, even during the height of the Cold War, it was rare for launch approval for nuclear weapons to be handed down past the president. If we don’t trust generals to make nuclear decisions without the president approving it, why would we ever let a computer have full control?
So, if we develop Skynet and don’t give it access to the nukes — if we create safe AI — we’re left with a completely new version of warfare where we don’t have to risk our own troops at nearly the same level as we currently do. Doesn’t sound so horrible now, does it?
And, if the other side gets AI, that’s still better for humanity as a whole. Remember when the RAND Corporation anticipated that, by 2025, war with China would be bloody and unwinnable? No? We’re the only people who actually read RAND reports? Alright, then.
Here’s the thing: World War I was so horrible because it was a nearly unwinnable war for both sides. Once nations committed to the conflict, they poured blood and treasure into a never-ending pit of carnage. Millions died and little was gained for anybody.
AI wouldn’t make unwinnable wars winnable — at least not if both sides have it — but it could make them much less bloody, which is still a step in the right direction.
You know what would be even better than sending F-35s up with human pilots to detect enemy air defenses and suppress them? Sending them up with a bunch of fighters that are basically robots with AI. So, if they do get in a fight, they don’t need to take the hits.
(U.S. Air National Guard Master Sgt. Joshua C. Allmaras)
So, what about poor John Connor, an excellent small-team leader? What’s he going to do when he isn’t allowed to kill Skynet but, instead, Skynet is controlling most of the planes and tanks and ships? Well, he’ll lead small teams or infantry units on the ground while A Few Good Men‘s Col. Jessup gives the marching orders. AI can’t replace all decision-making at the front, and calm heads under fire will be needed to authorize strikes and targets.
So, yes, we all secretly want Skynet on the wall, even more so than we want Col. Jessup up there. But we also need John Connor, as long as we can keep Jessup, Connor, and Skynet from murdering one another.
The head of the US’s cyber operations, on Feb. 27, 2018, said the country’s response to Russia’s hacking provocations has “not changed the calculus or the behavior” and that “they have not paid a price.”
Speaking before lawmakers on Feb. 27, 2018, US Cyber Command chief and National Security Agency Director Adm. Mike Rogers said that he had not been given the authority by President Donald Trump to counter Russia’s cyber operations.
“I believe that President Putin has clearly come to the conclusion there’s little price to pay here,” Rogers said. “And that therefore, ‘I can continue this activity.'”
“Everything, both as a director of NSA and what I see at the Cyber Command side, leads me to believe that if we don’t change the dynamic here, this is going to continue,” Rogers said. “And 2016 won’t be viewed as something isolated. This is something will be sustained over time.”
The US intelligence community has concluded that Russia meddled in the 2016 US presidential election through a complicated media and hacking campaign. Secretary of State Rex Tillerson also believed that Russia has already launched a campaign to meddle with the US’s midterm elections in 2018.
Russia has also been a prime suspect in the hacking hundreds of computers that were used by authorities from the 2018 Winter Olympics, according to US intelligence sources cited in a Washington Post report.
“There are tools available to us, and again, I think in fairness, you can’t say nothing’s been done,” Rogers said. “But my point would be it hasn’t been enough. Clearly what we’ve done hasn’t been enough.”
A recent SSRS poll indicates most Americans believe the Trump administration is not doing enough to prevent foreign meddling in elections, according to CNN. Around 60% of respondents in the poll say they are not confident Trump is doing enough to stop countries from influencing US elections.
It’s easy to poke fun at the movies that screw up a portrayal of life in the military. Hell, most veterans and troops make drinking games out of just uniform errors alone — and that’s not even touching plot holes or the nonsensical dialogue.
But this isn’t that list. These films got the tiny details right. In fact, in addition to perfectly executed one-liners, these films get many things right.
1. A large portion of troops only enlisted for the benefits.
“Sir, I got lost on the way to college, sir.” – Anthony Swofford, Jarhead (2005)
“We’re all very different people. We’re not Watusi. We’re not Spartans. We’re Americans, with a capital ‘A.’ You know what that means? Do ya? That means that our forefathers were kicked out of every decent country in the world. We are the wretched refuse. We’re the underdog. We’re mutts! Here’s proof: his nose is cold! But there’s no animal that’s more faithful, that’s more loyal, more loveable than the mutt. Who saw ‘Old Yeller?’ Who cried when Old Yeller got shot at the end? I cried my eyes out. So we’re all dogfaces, we’re all very, very different, but there is one thing that we all have in common: we were all stupid enough to enlist in the Army.” – Pvt. Winger, Stripes (1981)
HSV-2 Swift came under attack off the coast of Yemen this past weekend and suffered serious damage from what appears to be multiple hits from RPG rockets. Photos released by Emirates News Agency show at least two hits from rockets that penetrated HSV-2 Swift’s bow, in addition to substantial fire damage.
According to media reports, HSV-2 Swift is being assisted by the Arleigh Burke-class destroyers USS Mason (DDG 87) and USS Nitze (DDG 94) as well as USS Ponce (AFSB(I)-15). The vessel is currently being towed away from Yemen.
HSV-2 Swift was acquired by the Navy from Incat, a shipbuilder in Tasmania, in 2003, where it served for a number of years in Pacific Command, European Command, and Southern Command until 2013, when the first Joint High-Speed Vessel, USS Spearhead (JSHV 1) replaced it. During its deployments, HSV-2 Swift primarily carried out humanitarian missions, including for relief efforts in the wake of the Indian Ocean tsunami of 2004, Hurricane Katrina in 2005, and the 2006 Israel-Lebanon War. The vessel also took part in a number of deployments, like Southern Partnership Station while in U.S. service.
In 2013, the vessel was returned to Incom, where it was refitted and then acquired by the National Marine Dredging Company in the United Arab Emirates, where the ship was used to deliver humanitarian aid. HSV-2 Swift was on such a mission to not only deliver medical supplies but to extract wounded civilians when it was attacked this past weekend. Houthi rebels, backed by Iran, claimed to have sunk the vessel.
HSV-2 Swift displaces 955 tons of water, has a top speed of 45 knots, and has a crew of 35. The vessel can carry over 600 tons of cargo on nearly 29,000 square foot deck.
When it comes to changing anything with tradition, Marines are quick to give their opinion. Marines like to think of themselves as some of the biggest military history buffs, and boot camp is where this thought processes begins. So when the Corps talked about changing how their rank will be displayed on combat utilities – from metal chevrons to cloth – Marines took to social media to express their displeasure.
What Marines today may not know is the material and placement of the rank was changed only after the Korean War. For the longest time, rank was placed on the sleeve of the utility uniform. This was to keep in line with the other dress uniforms. Some were cloth, others were stenciled on the sleeves.
WWII-era Marines started hand-marking chevrons on their HBT utilities sleeves with ink, but often in the Pacific they did not bother with rank insignia at all – a way to keep the enemy from knowing who was an officer and who was enlisted.
By the start of the Korean War, utilities chevrons were commonly marked on the utilities with stencil kits.
The placement and material of the rank is relatively new, considering the age of the Corps. The change to putting rank on the collar came after the Korean War. Screw in posts were the first type used to attach them. Over the years it changed again to the type secured with pins. Interestingly, the crossed rifles came in 1959, after pinning the rank on the collar. Yes – crossed rifles are new as well.
If Marines are traditionalists at heart, then we should return to our roots when it comes to rank, right? Imagine: no more collarbones writhing in pain from the metal stabbing into it.
Then comes invading someone’s personal space so you can address them, which is still a problem in today’s Marine Corps. The digital pattern camouflage makes it hard to see a black chevron against a black pattern. Commandant of The Marine Corps Gen. Robert Neller wants to fix this, which has lead Headquarters Marine Corps to start looking into the matter.
If Marines really want to keep with tradition, then they should accept wearing rank on the sleeves of utilities – keeping with the oldest traditions of the Marine Corps.
What are the most important lessons to teach children about money? It’s a good question to consider, particularly because, thanks to a distinct lack of a broad financial literacy curriculum in schools, it falls on parents to be the ones who instill the core concepts of spending, saving, and handling money in general. While there are certainly lessons all parents should be teaching kids about money, we wondered, what do financial planners, accountants, and others who work in the financial industry teach their kids about money? What concepts are essential and how do they distill them down so they can be understood by, say, a seven-year-old? That’s why we asked a broad array of financial professionals, “What lessons do you teach your kids about money?” The varied responses include everything from envelope systems and understanding wants versus needs to the creation fake debit cards and engineering simple lessons about compound interest. All provide inspiration and instruction on how to help kids get a head start on the road to financial success and serve as a reminder that it’s never too early to begin teaching kids about money.
Try the Sticker Chart Reward System
“We use a sticker chart reward system with our young ones, who are in Kindergarten and second grade. You get a sticker for doing homework, practicing, household chores, and the like. After earning 20 stickers each child then gets to pick out a toy, experience, goodies, etc. of their choosing (up to a $ value). This is a foundational value in our household; to instill that effort and hard work is required to earn many of the ‘wants’ in life. And that it takes time.” — Ronsey Chawla, Financial Advisor at Per Sterling Capital Management.
Incorporate Financial Topics into Everyday Life
“This can be as simple as taking my kids to the bank to open a checking/savings account, involving my two kids — I have a 14-year-old son and 11-year-old daughter — in household budgeting conversations during a trip to the store, or planning for a family vacation. It’s important to share lessons and what you learned from your experiences with money management, with the depth of that conversation being up to your individual family. It’s also a good idea to start them saving early. Developing smart saving habits is the first step to becoming money-wise. Encouraging children to contribute a realistic amount to savings, even if it’s just a month, is an easy way to put them on the right track for future financial success.” —Daniel Cahil, SVP, North Dallas Bank Trust Co.
Trust the Lemonade Stand
“With my own kids, who were four and six at the time, we opened lemonade stands, as cliché as it may be. It teaches them literally the fruits of their labor. The help made the lemonade, with real lemons, at every step, until they have the product ready for market. They learn the lessons of “location, location, location,” understanding that where they set up can make a big difference in the traffic they can expect. Setting up on the corner brings some traffic, but not nearly as much as by a nearby field on a hot day where a bunch of kids are at soccer practice.
When they’re done, they bring their profits back home and count it up. This helps them identify and understand what different coins and paper currency mean. They also have piggy banks that are broken up into four different chambers – save, invest, spend and donate. This helps them understand the different utilities of money, immediate gratification, delayed gratification and being a contribution to others.” — Chet Schwartz, RICP, registered representative with Strategies for Wealth, a Financial Advisor with Park Avenue Securities, and a Financial Representative of Guardian Life Insurance
Teach Them to Save — But Also Enjoy the Rewards
“To clarify, this all starts with being responsible, working hard, and earning some dough. But this particular piece of advice is about what I do with that earned money. When I come into some kind of bonus or non-recurring income, I always, without fail, carve off some small-ish amount of that bonus for me, my wife, and my daughter, and we all go out together and buy something fun for ourselves, something that we would not otherwise have bought because we thought it was frivolous or hard to justify. We save the bulk, but the rule is that we have to spend that smaller allocated amount on something fun, and we have to do it together as a family.
This is important to me because one, if you don’t enjoy some part of your money “now,” you may never get the chance, and two, it gets us out, as a family, doing something that breaks the normal rules of saving and spending. I’m all about saving of course, but I’m also about enjoying the rewards of hard work, and that’s what this is really all about. If you don’t treat yourself well, you sure as heck shouldn’t expect anyone else to.” — Dan Stampf, VP, Personal Capital Cash
Use “Skip Counting”
There’s more than one way to count to 100. You can take the long way, starting with the number one. Or you can also count by twos, tens, twenties, even fifties to get there faster. Learning to “skip count” is an important precursor to developing fluency in calculation, number sense, and the basis for multiplication and division — not to mention counting money. Just pour a bunch of coins on the table and put them into piles by coin type (pennies, nickels, dimes, and quarters). Work with your child to “skip count” using different coins and values, reinforcing what they’ve learned. For example, ask them if they notice any patterns (e.g. while counting by 2s, 5s, and 10s). If “skip counting” is still too complex for your kids, continue practicing by changing the number of coins they are counting. That will encourage your children to figure out another total value.” —Jeremy Quittner, Resident Money Expert Editorial Director, Stash
Put Pocket Money to Good Use
“It’s important to teach your children about saving, and the potential benefits. I think a fun way to do this is with their pocket money. Say you give your child for the weekend. Once its spent, it is gone. But I like to introduce the offer that if, for every change they bring back at the end of each week, that change is matched from my money, and saved until it reaches 0, and they can buy themselves something special. For example, if they bring me change, I put aside for them, and this pot grows until it hits 0. The opportunity here is for the children to really think about what they are spending their money on, while also seeing that saving can result in a better purchase that is actually wanted at the end.” — Andrew Roderick, CEO of Credit Repair Companies
Use The Token Economy with Toddlers
“Make money fun. Toddlers can start to experience a ‘token economy’ by pretending to play in grocery stores or banks: games that can actively involve your child in playing and beginning to understand money. It’s also important to recognize that it may be more constructive to create other activities for older kids, by introducing them to easy-to-read financial books, like this one. Explain to them how your family approaches investing, paying for taxes, and seeking financial advice from an advisor” – Dillon Ferguson, CFP, Head of Product, Zoe Financial
Make the Concept of Prioritization Crucial
“We ask our three kids to do certain activities at home that are outside of their normal chores for which we compensate them with small amounts of money. This way they learn that to make money they need to put extra effort and work hard. They also learn that the money they make at home can be spent on a variety of different things, but we teach them about the concept of prioritization, since money is a scarce resource. Most importantly, we teach them that the best investment they can ever make is their own education, since education leads to better job opportunities and better quality of life.
We opened college savings accounts for all three kids via UNest and our older one is already contributing into her own account. We show her how money grows over time and teach about the concept of investing, compound interest and tax-free growth. In addition, we emphasize that lack of savings can lead to the student debt. Money that is borrowed can be very expensive and the need to pay off student loans would create setbacks in life and delay other important decisions like buying a house or starting a family. Putting a small amount aside each month and investing for education teaches our kids discipline and motivates them to think long-term.” — Ksenia Yudina, CEO and Founder of UNest
Teach them About Coins — And the Four Pillars
“I think that six years old is a good age to start teaching kids about money. A great first objective is teaching them about coins. While that might seem simple, it is not as easy a subject as you might think. Take a step back and think this through: Why is the big nickel worth less than the small dime? I think it’s fun to play games with kids once they understand the value of each coin by having them make different combinations to get to one dollar. 10 dimes. 20 nickels. Four quarters. One-hundred pennies. Fifty pennies and two quarters.
Start with teaching them one of the four pillars of financial literacy: save, spend/budget, invest and charity. For younger children, savings is the easiest as you can simply use a clear jar where they can put loose coins and see them build up. Remember to keep lessons age-appropriate and that developing money-smarts is not an exercise in trying to create the next Warren Buffet. It is about making them feel comfortable talking about money, understanding basic money vocabulary, and eventually starting good habits that will last a lifetime. You want to avoid the firehose method of teaching where you pile on too much information too soon. Rather consider using the drip-drip-drip method that starting them at a young age gives you plenty of time for them to build a great foundation.” — Thomas J. Henske, Partner, Lenox Advisors
Be Open About Your Financial Goals
“When my kids were younger, my wife and I agreed on an aggressive goal to pay off our house in a set number of years. When that goal was reached, we agreed to take the family on a trip to Disney World. We bought a Mickey Mouse puzzle, assembled it, and disassembled it in a way that for each id=”listicle-2646259052″,000 we reduced principal on the loan, we put so many pieces of the puzzle together. It created a visual representation of our progress. We explained our goal to the kids in terms they could understand so they saw the progress and the reward at the end after several years of work. While the kids now understand the financial side of the goal, it is the visual representation of the puzzle they recall most.” — Phil Kernen, CFA | Portfolio Manager, Mitchell Capital
Teach Them About Compound Interest
“As a financial planner and fastidious investor, my kids are being taught about compound interest at a young age. When my five-year-old daughter receives birthday money from our relatives, I show her how putting 25 percent of her money away can give her many more Barbies and dolls in the future. Would you rather buy one Barbie today, or be able to buy five Barbies later, I ask? Even a child can understand that by deferring some instant gratification today, they can enjoy greater luxuries later.” — Thanasi Panagiotakopoulos, Financial Planner, Life Managed
Never Say ‘There is No Money’
“Say instead, money is valuable and needs to be used wisely. Or money is not to be wasted. The reason is that children should not grow up with a limitation mindset but an abundance mindset while learning to be careful with money. Saying ‘there’s is no money,’ tells the child that when they get money in their hands, they can throw it away, and that’s not a good thing.” — Kokab Rahman, author of Author of Accounting for Beginners
Don’t Forget the Power of Delayed Gratification
“My children are 2 and 4 years old currently, and while it’s definitely too early to teach any significant money lessons to the two-year-old (aside from showing him how to put coins in a piggy bank), the four-year-old is another story. I recently tried this simple method of teaching savings and it worked well. Each night, I gave her a quarter for straightening up her toys before bed. She could choose to use a quarter to get a treat from the candy dish, but if she saved five of her quarters, we could do something special that weekend (go to the zoo, a favorite restaurant, etc.). Delayed gratification is such a valuable skill to learn at a young age, and I plan to use more complex ways to incentivize saving as she gets older.” — Matt Frankel, CFP, The Ascent
Turn Financial Mistakes into Teachable Moments
“We don’t pay our kids for daily chores like making their bed, feeding the dogs, or picking up after themselves. But I do pay them for mowing the yard (my 10-year-old) or helping cut firewood (all my children), things that are above and beyond their normal family contributions that they worked hard to attain. It’s also important to let them make mistakes. Recently my 10-year-old wanted to purchase a new movie release for .99, so I let him. The next day he wanted to buy a video game. I said sure pay me and he could buy it. He then realized he spent all his money on the movie. That’s the time to have a good conversation around it. Was it worth it? What could you do differently?” — Joel Hodges, CPA, Intuit, Tax Content Group Manager
Explain The Difference Between Needs and Wants
One of the most important money lessons I’m already teaching my young children is the difference between needs and wants. If she holds up something at a store — say, something from the candy aisle — I’ll ask ‘Do you need that, or do you want that?’ It took a few tries, but she got the hang of it. It can be helpful to set a firm cap on the ‘wants,’ such as one per week, while showing that we always take care of our needs.”— Matt Frankel, CFP, The Ascent
Introduce the idea of Money Early and Often
“At home, we value speaking openly about our financial lives and the value of saving such that our kids learn by example. A great way we teach our 4-year old about money is to have them understand the value of a purchase. The other day my son wanted us to buy him a new game for his iPad. To ‘convince us,’ we had him walk through the value in relation to the actually cost of the game. It’s never too early for your children to understand the cost of things. “- Andres Garcia-Amaya, Founder, Zoe Financial
Enlist the Envelope System
“Kids are never too young to learn how to handle money, one fun way for them to learn about money is to have them separate their allowances on what they want to spend. They can do this by having small envelopes and placing a certain amount from their allowances. This helps them learn about budgeting and the value of money when that certain envelope reaches the goal amount. Children are also allowed to have bank accounts, so it is good for them to have their accounts so that they can start learning to save early. — Leonard Ang, CMO, iProperty Management
Try The “Bank of Dad” Approach
“By the time my daughter started elementary school, she had a few chores each week for which she got a small allowance and she might get the odd bill in an Easter card from her grandparents. Instead of a piggy bank, we went forward looking and with the ubiquity of debit cards, I created ‘The Bank of Dad.’ Using an old hotel key card I made a make-believe Bank of Dad debit card and she opened an ‘account.’
At 12 years old and a long-time Bank of Dad customer, she was definitely ready for a real account. With our bank, the account was connected to a parent’s account so we had visibility into everything. At the start, we sat down and introduced the basics of a budget. We talked about understanding how much she “made,” how everyone needed savings for an emergency/rainy day, and how to also save for something “big” like those fancy new embroidered and bedazzled jeans she just had to have.
Now at 24 years old, my daughter came to me and asked if I could help her fix a spreadsheet she made because she wanted to try and pay off her student loans early, but couldn’t make the formulas work. If there’s anything that makes an accountant parent happier than hearing ‘Hey dad, will you check my spreadsheet?’ Turns out she was very close, but having her do the work and walk me through it, made fixing her error make sense to her and empowered her. — Gregg Gamble, Intuit, Lacerte Tax Content Development Manager
A former interpreter who helped US troops in Afghanistan before fleeing the country with his family was detained at the international airport in Houston, Texas, on Jan. 11, 2019, upon their arrival from Kabul, according to a Texas-based immigration advocacy group.
Mohasif Motawakil, 48, was detained by Customs and Border Protection along with his wife and five children, the Refugee and Immigrant Center for Education and Legal Services (RAICES) told The Washington Post. Though his wife and children have since been released, Motawakil is still being held by authorities.
RAICES said Motawakil served alongside US troops as an interpreter from 2012 to 2013, later working as a US contractor in his home country.
He and his family were reportedly traveling to the US on Special Immigrant Visas, which are hard to come by and granted to those whose lives are in danger as a result of their service with the US military.
Special Immigrant Visas take years to obtain, and tightened immigration controls have apparently made the process even more difficult for applicants.
“The father remains detained and his wife and children were allowed into the US pending the outcome of his proceedings,” CBP told The Hill, further explaining that “due to the restrictions of the Privacy Act, US Customs and Border Protection does not discuss the details of individual cases.”
The temporary release of the mother and the children was attributed to the efforts made by four Texas Democrats working on behalf of the family.
Texas Reps. Lloyd Doggett and Joaquin Castro called CBP while Reps. Al Green and Sheila Jackson Lee supported the family at the airport.
Nonetheless, the family is is “confused and traumatized” by the situation, RAICES spokesman William Fitzgeral told The Post. Motawakil’s wife and children spent Jan. 11, 2019 at the Afghan Cultural Center in Houston.
The reason for the detention is murky, but Fitzgerald told The Post the family was threatened with deportation after someone — potentially a relative — opened sealed medical records, leading authorities to question the authenticity of the family’s documentation.
This article originally appeared on Business Insider. Follow @BusinessInsider on Twitter.
The USS Illinois (SSN 786) was commissioned Oct. 29 in a ceremony at Groton, Connecticut.
The Virginia-class fast attack submarine can carry 12 Tomahawk cruise missiles to strike at targets on enemy shores, or it can switch some of its missiles out with other payloads to deliver special operators or mines to contested areas around the world.
Conventional periscopes don’t exist on the Illinois or other Virginia-class submarines. Instead, they feature photonic masts that send video and other image data to screens throughout the ship.
The Illinois is a Block III-version of the Virginia class, and features a horseshoe-shaped sonar instead of the older, spherical sonars. And, instead of packing 12 vertical missile tubes, Block III subs carry two sets of six missiles in Virginia Payload Tubes. If the Navy adopts a new missile in the future, the VPTs allow the Illinois to more easily switch to the new weapon.
The boat carries an S9G pressurized water reactor. The nuclear reactor powers the vessel for its entire lifecycle without ever needing refueling. The pump-jet propulsors push the boat forward are quieter than a traditional propeller.
Missions on the Illinois can go on for three months or longer, and the crew can spend nearly the entire time submerged.
To learn more about Virginia-class submarines, check out the Navy infographic below.
For hundreds of years, military cadences have been used as an iconic tool to keep service members upright during formation runs and marches.
Structurally designed to keep each man or woman properly covered and aligned, a cadence helps a formation of troops in PT land each step at the exact same time as everyone else, preventing a massive falling domino effect.
Military cadence is a preparatory song performed by the leader of the formation during the marches or organized runs. Many parts of these running songs are so catchy, they will be forever embedded into our heavy left feet.
Take a listen and let yourself be transported back to the good ol’ days of the little yellow bird and the days of sitting in the back of your truck with Josephine.
1. “Down By The River”
2. “Pin My Medals Upon My Chest”3. “C-130 Rolling Down The Strip”4. “Hey, Hey Whiskey Jack”5. “How’d Ya Earn Your Living?” Cadences tend to cross-breed through the different branches and change words to make them service-specific. We salute everyone for their originality.