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New Chip Cards Reduce Fraud. If you have a credit card, you’ve already received — or soon will — a new one with a highfalutin computer chip embedded in the front, designed to reduce fraud.

Would-Be Novelists Unite. Have you always dreamed of being a novel- ist? Put your pen to paper this month with the NaNoWriMo novel-writing project.

Mind Your Manners. Lt. Col. Justin Constantine, USMC (Ret), a Purple Heart recipient, put together these rules of etiquette everyone should consider when talking with a wounded veteran.

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Find much of the Military Officer content you love — plus special issues like the State Report Card — in an interactive tablet format.

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Always on the Web

Military Spouse Resource MOAA’s new Keeping a Career on the Move®: A Guide for Military Spous- es at www.moaa.org/publications is a go-to source for career advice.

Share the Spirit Spread holiday cheer to your friends and family with cards from MOAA, and support the Scholarship Fund. Visit www.moaa.org/holidaycards.

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Reading Lists Find classic military literature to inspire your thinking with MOAA’s military professional reading lists at www.moaa.org/readinglist.

Military Officer (ISSN 1542-3360) is published monthly by the Military Officers Association of America®, 201 N. Washington St., Alexandria, VA 22314-2539. Telephone: (703) 549-2311. © 2015 by Military Officers Association of America (MOAA). All rights reserved. Periodicals postage paid at Alexandria, VA 22314 and additional offices. Postmaster: Send address changes to Military Officer, Attn: MSC/CH, 201 N. Washington St., Alexandria, VA 22314-2539. Subscriptions: Premium or Life Membership in MOAA includes a print subscription to Military Officer. For those not eligible for membership: $40 a year in the USA and its possessions; $100 a year, foreign. Single copy, $4.75.

4 MILITARY OFFICER NOVEMBER 2015 PHOTOS: SHUTTERSTOCK