Out of his $191 pay, the civilian has $28 remaining. The Army private has $48.50 left over from his $75 pay envelope.
      But the soldier each month is also getting an unseen credit for his retirement at no cost to him. A civilian would have to pay about $1,000 a year for an annuity if he wished to retire after 20 years and receive a monthly income equivalent to that of an Army technical sergeant, $87.75. While a soldier's retirement pay moves up steadily as he advances in grade, at no extra cost to him, the civilian would have to add to his monthly premiums if he wanted to retire on $107.25 monthly, which the master sergeant gets at the end of 20 years.
      The Army also encourages saving by making it possible for the •soldier to open a savings account with the Army Finance Department. The money deposited pays four per cent per annum.

College education an added value
      Over and above high annual real earnings, the Regular Army offers physically and mentally qualified soldiers a free college educa­tion after honorable discharge on a scholarship that is the equivalent of at least $5,120.
      Under the G. I. Bill of Rights, a young man enlisting in the peacetime Army on or before October 5, 1946, is entitled to a period of education without cost to himself. A soldier joining for three years, for example, can obtain 48 months of free higher education at a college, trade or business school of his own choice. The Government pays $500 for an ordinary school year for tuition and other fees, plus $65 a month for living expenses—$90 if the soldier has dependents.
      G. I. Bill of Rights also provides that the Government will pay for correspondence courses for soldiers while in the service and for veterans. In the service, a soldier may obtain training in more than 200 trades.

5