image of the Navy a community has. They are
frequently in areas remote from military installa-
tions and associated support facilities. Their
success requires hard work, exceptional dedica-
tion to duty, and a strong belief in the advantages
of a Navy career.
SUBMARINES. Initial submarine training
is a basic course of instruction. The purpose of
the school is to complete required screening of
personnel for duty in the submarine service
and provide basic training to help personnel
successfully complete the change to submarine
duty. Enlisted personnel who volunteer for
submarine duty normally receive assignments to
this school before reporting to their first
While high standards of personal conduct and
reliability are requirements of all members of the
naval service, they are especially important for
personnel assigned to submarines.
NAVY DIVER, EXPLOSIVE ORDNANCE
DISPOSAL, AND SPECIAL WARFARE. The
Navy Diver (DV), Explosive Ordnance Disposal
(EOD), and Special Warfare (Sea-Air-Land
[SEAL]) Programs make up the Navys elite
Navy fleet divers use scuba and surface-
supplied diving equipment and enhanced deep-
diving systems to perform underwater salvage
maintenance and repair operations. EOD divers
are highly skilled technicians trained to identify
and dispose of all types of ordnance. SEAL divers
receive training in conducting combat operations.
Although the training for each diver program
is physically and mentally demanding, successful
completion of entry-level training provides ample
rewards for those who accept the challenge.
Graduates will be members of a professionally
demanding community, entitled to special-duty
assignment pay, hazardous-duty incentive pay (for
EOD and SEAL personnel), and entitlement to
BUPERS CONTROLLED CAREER COUN-
SELING PROGRAM. The BUPERS Con-
trolled Career Counseling Program provides for
the assignment of full-time career counselors from
ratings other than Navy Counselor (NC). Person-
nel receive assignments to activities that have no
authorized NC billet or to where an NC is not
available for assignment.
As a petty officer second class, you must set
the example for your subordinates. This example
extends into your personal life as well as your
Setting the standard in matters of personal
financial responsibility is particularly important.
The policy of the Department of the Navy is
to promote habits of thrift and encour-
age . . . conduct of financial affairs in such a
manner as to reflect credit upon the naval
Your commanding officer does not have the
authority to act as an agent or collector. The
enforcement of the private debts of the service
member is a matter for civil authorities.
Before it gets to this point, petty officers must
provide the necessary financial information to
their troops to avoid any financial problems.
Many commands provide financial counselors
to advise sailors in financial difficulties, or you
can provide this financial management informa-
Family Service Centers and local legal
assistance officers also provide counseling. For
further financial management information,
section 62 of the Naval Military Personnel Manual
offers some good advice to all paygrades.
During your naval career, you will have many
occasions to counsel and advise your people on
their personal financial management, respon-
sibilities, and debts.
You can expect a continuation, and possibly
an increase, in the number of young service
members needing your help in managing their
financial affairs. The consumer debtthe amount
Americans borrow for large purchases such as
cars, appliances, and furnitureas well as revolv-
ing credit continues spiraling upward. Repayment
of these consumer loans and home loans slices
more than a quarter from every dollar a wage
earner takes home.
Navy personnel are no exception. In fact, a
young service members take-home pay may be
less than the national average. You can help your
people learn to have foresight about finances that
will help them balance their income, savings, and