Jax Alr NeWS NAS Jacksonville, Thursday, February 24, 2005 9


 Manning the brakes




























 Photo by PHAN Philip Morrill
 AE3 Jonathan Wilson, assigned to the "Checkmates" of VS-22, mans the brake while the S-3B Viking he's in is
 towed across the flight deck aboard USS Harry S. Truman (CVN 75). Carrier Air Wing Three (CVW-3) is embarked
 aboard Truman and is providing close air support and conducting intelligence surveillance and reconnaissance
 over Iraq.




Test Pilot School to host 57th


annual
From NAS Patuxent River P)
he United States Na
 Pilot School will host
 annual symposium and
here on April 14 15. The syi
and reunion provide a forun
exchange of aviation research
opment, test and evaluation
tion and also establish a ve
the renewal of professional
tances within the test and ev
community. Please note sev
mat changes have been mad
reunion over previous years, e
 This years event kicks of
four-person scramble golf tou
beginning at 8 a.m. on Apr
hole-in-one prize of a 2005 F(
cle, courtesy of Aldridge Ford
presented to the first person
a hole-in-one on the design
three. The golf tournament w
lowed by a casual evening r
at the Patuxent River Na
Museum.
 Events begin on April 1i
continental breakfast at 8
lowed by a Technical Syn


symposium,
AO from 8:30 to 11 a.m. and 1:30 to 3:30
 p.m. The symposium will be com-
val Test prised of eight presentations chosen
its 57th from submissions on current test
Reunion projects at NAS Patuxent River,
mposium Naval Air Warfare Center Weapons
n for the Division China Lake, Calif., NAW-
h, devel- CWD Point Mugu, Calif., Fort Rucker,
informa- Ala., Eglin Air Force Base, Fla., and
hide for Edwards AFB, Calif. The program will
acquain- provide an opportunity for publicity
valuation and professional acknowledgment of
eral for- current efforts of USNTPS alumni.
le to the Abstracts for proposed presenta-
events. tions are due no later than March 15
f with a to Craig Nixon, the USNTPS
ornament Technical Symposium point of con-
ril 14. A tact. Nixon can be reached at 301-
ord vehi- 757-4143 or DSN 757-4143, or via e-
i, will be mail to craig.nixon@navy.mil.
that gets Submissions may be faxed to 301-342-
ated par 5003. Selections will be made by
ill be fol- March 21.
reception Naval Test Wing Atlantic will hold
naval Air its awards luncheon at 11:30 a.m.
 April 15 at the Cedar Point Officers,
5 with a Club. The Commander, Naval Air
a.m., fol- Warfare Center Aircraft Division and
iposium representatives of several civic groups


. lllm l find lod, ing'J





 S Camp i-n- '-""owiSh lls' 9











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reunion
will recognize the top test pilot, test
naval flight officer, test engineer, and
Test Pilot School instructor. A buffet
lunch will be served and a speaker
will address the group. The day's
activities end with a "fly-in" social at
5 p.m. at the Bachelor Officers,
Quarters Flight Deck Lounge.
 Alumni who have not been in con-
tact with'the school recently are
asked to send their mailing addresses
to:
 Commanding Officer
 U.S. Naval Test Pilot School
 22783 Cedar Point Road
 Patuxent River, MD 20670-1160
 Alumni also may contact the alum-
ni clerk at 301-757-5013 or 301-757-
5010.
 For more information, contact
 reunion coordinators CW4 Rob
 Pupalaikis at 301-757-4142 or e-mail
 robert.pupalaikis@navy.mil or
 Richard Greenleaf at 301-757-5018 or
 e-mail: rich.Greenleaf@navy.mil. Visil
 the USNTPS Web site at http://www.
 usntps.navy.mil or e-mail the school
 at tpsinfo@navair.navy.mil for more
 information.


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By Lt. Cmdr. Scott Olivolo
Special Contributor
Tt seems these days that
 debt, especially con-
 sumer debt, is all too
common. The amount of
debt per household, not
including mortgage debt, is
about $14,500.
 This is particularly note-
worthy given that before
the 1930s, most working
class and middle class peo-
ple had no major debts. In
those days, banks would
not lend to people in seri-
ous debt. These days, banks
(who now issue credit
cards) seek out customers
who charge beyond their
means so they can capture
the whopping 18-20 percent
interest rates. Ah, the world
has changed!
 The first step in avoiding
 debt is understanding debt.
 This article will focus on
 debt in terms of good debt
 vs. bad debt so you can:
 Manage debt logically
 Work towards living a
 debt-free lifestyle.
 According to BankRate.
 com, "Good debt either pro-
 duces cash flow or is some-
 thing that can write-off
 interest, or is an asset that
 can appreciate over time."
 For instance, mortgage debt
 can be considered good debt
 as long as you can pay your
 mortgage comfortably each
 month. If you are trying to
 reduce current high-inter-
 est credit card debt, then
 perhaps a low-interest
 home equity loan may be
 considered good debt.
 Bad debt includes debt
 you've accumulated for things
 you cannot afford using high-
 interest credit cards. It's very
 easy to lose track of how
Much you charge on credit
Cards, and then end up pay-
Sing partial interest for long
periods of time.
 According to the Consu-
 mer Credit Counseling Ser-


vice, a not-for-profit entity,
"A typical credit card pur-
chase ends up costing 112
percent more than if cash
were used.
 For example, a $1,000
charge on an average credit
card will take almost 22
years to pay, and will cost
more than $2,300 in interest
($3,300 total) if only two
percent minimum payments
are made."
 Another form of bad debt
is the ever-popular auto
loan. This type of loan is
called an installment loan,
and although the interest
rate does not normally run
as high as credit cards, pay-
ing off your auto loan early
can be a smart move.
 For instance, let say you
 finance an $18,000 car for
 five years (60 months) at
 9.5 percent interest. If you
 pay an extra $50 per
 month, you will save almost
 $800 and decrease your
 loan contract by eight.
 months.
 Beware that some auto
 loan contracts may have
 pre-payment penalties.
 According to Mike Ross at
 Vystar Credit Union, "Folks'
 should read their auto loan
 contract to make sure no
 pre-payment penalty provi-
 sions are included, borrow
 only from reputable finance
 sources, and when in doubt,
 have it reviewed by either a
 lawyer, seasoned loan offi-
 cer, or command financial
 specialist."
 When it comes to debt
 management, our grand-
 parent's old-fashioned val-
 ues should be our beacon-,
 spend only what we can
 afford and save for what we
 really want.
 Olivolo is the command
 financial specialist at the
 Naval Healthcare Support
 Office, NAS Jacksonville.


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Debt: The new


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