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Military Time (Zulu Time) Explained


The military operates at all hours of the day and night, so it uses a 24-hour clock to avoid confusion between AM and PM hours. This clock sometimes causes confusion for civilians, who don’t grasp the concept of “military time.”

The table below provides conversion between military time and standard time:
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Military Loans: Sensible Alternatives to Cash Advances


Military members have unique needs when it comes to loans and there are many unscrupulous businesses willing to take unfair advantage of those who serve our nation. Payday loan businesses, cash advance offers and pawn shops line the streets outside of military bases enticing soldiers, sailors, airmen and Marines with predatory loans with interest rates of 100% or higher. These outrageous programs lead many military loan seekers into bankruptcy.
Fortunately, there are a number of legitimate military loan programs out there that provide military personnel with loans designed for their unique needs at fair rates.

Let’s take a look at three programs that offer good opportunities for military loans:
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OPNAV Instruction 6110.1H: Navy Physical Readiness Program

Physical fitness is a crucial element of mission performance and must be a part of every Sailor’s life. Mission readiness and operational effectiveness are built on the physical fitness of the individual; therefore, all Navy personnel shall maintain personal physical fitness by regular exercise and proper nutrition.

The Navy governs the Physical Readiness Program through OPNAV Instruction 6110.1H. This instruction includes information on the following:

  • Program Action and Responsibilities
  • Physical Fitness Assessment (PFA)
  • Medical Screening and Waivers
  • Conditioning and Test Safety
  • Fitness Enhancement and Weight Management Programs
  • Body Composition Assessment (BCA)
  • Physical Readiness Test (PRT)
  • Administrative Actions
  • Command Fitness Leader (CFL) Qualifications
  • Navy PFA Checklist
  • Inspection Checklist

For more information, download a copy of OPNAV Instruction 6110.1H: Navy Physical Readiness Program.

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Navy Weight Standards (Women)

The U.S. Navy uses weight standards to ensure that service members remain physically fit for duty. Current Navy standards for women appear in the table below. To find the maximum allowable weight for your height, find the row corresponding to your height (in inches) and read the result (in pounds) in the maximum weight column.
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Navy Weight Standards (Men)

The U.S. Navy uses weight standards to ensure that service members remain physically fit for duty. Current Navy standards for men appear in the table below. To find the maximum allowable weight for your height, find the row corresponding to your height (in inches) and read the result (in pounds) in the maximum weight column.
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Delayed Entry Program Discharge

If you’re participating in the Delayed Enlistment Program (DEP) and have not yet entered active duty, you can generally get out of your enlistment contract at any time. It’s important to remember that the military doesn’t have to let you out of your contract, but, in reality, the military routinely allows soldiers in DEP status to back out of their contract without reprecussions.

If you’re in this situation, you should send a letter to the commander of your local recruiting office requesting release from the program. You can use this sample letter
to guide you.

(Source: DoD Directive 1332.14: “Enlisted Administrative Separations”)

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US Navy Ranks

The United States Navy uses an officer and enlisted rank structure divided into three basic categories:

  • US Navy Commissioned Officer Ranks
  • US Navy Warrant Officer Ranks
  • US Navy Enlisted and Petty Officer Ranks

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US Army Ranks

The United States Army uses an officer and enlisted rank structure similiar to that of the U.S. Marine Corps. These ranks are divided into three basic categories:

  • US Army Commissioned Officer Ranks
  • US Army Warrant Officer Ranks
  • US Army Enlisted and Noncommissioned Officer Ranks

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US Air Force Ranks

The United States Air Force uses an officer and enlisted rank structure divided into twobasic categories:

  • US Air Force Commissioned Officer Ranks
  • US Air Force Enlisted and Noncommissioned Officer Ranks

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US Marine Corps Ranks

The United States Marine Corps uses an officer and enlisted rank structure similiar to that of the U.S. Army. These ranks are divided into three basic categories:

  • US Marine Corps Commissioned Officer Ranks
  • US Marine Corps Warrant Officer Ranks
  • US Marine Corps Enlisted and Noncommissioned Officer Ranks

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