Kinda silly, but I come across alot of young folks who don't know military time when watching war movies.
Up to 1200, just read it as it's written. That's the AM time.
Above 1200, subtract twelve from the first two whole digits, and that's the PM time.
With a little practice it becomes almost second nature. (Admission: I served in the military, and rarely used military time!)
Zero hour is midnite, 1200 is noon.
0930 is 9:30 AM, 1145 is 11:45 AM.
1630 is 4:30 PM, 2020 is 8:20 PM.
If anyone has a simpler way, post it up.