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Is it worth it to get a USAA credit card?
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Jul 18, 2012 21:40
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barbudo posted:Is it worth it to get a USAA credit card? If you're a broke rear end bum with poor credit they're decent and willing to help out. They also offer secure cards if all you want is to build credit. I got one from them when I was 19 because no one else trusted me.
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Jul 18, 2012 23:53
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USAA is awesome sauce because they offer just about everything. They might not have ~the best rates for everything ever~ but they're likely extremely competitive, like top 3. And their customer service for anything is so outrageously good every other company should be shamed on a regular basis.
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Jul 19, 2012 01:33
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gleep glop posted:If you're a broke rear end bum with poor credit they're decent and willing to help out. They also offer secure cards if all you want is to build credit. I got one from them when I was 19 because no one else trusted me.  They're a legitimate banking institution. You can get a lovely card with low limit and high interest from anywhere. When you have great credit, USAA is really nice to have.FUUCCKKKK shady federal.
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Jul 19, 2012 14:47
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I'm going to jump on the USAA bandwagon. While I don't (yet) have any credit cards or loans through them, their banking and insurance is awesome. My apartment was broken into last year while I was on active duty and they were more than fair in paying out and very friendly although their website can be a bit of a pain in terms of submitting claims.
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Jul 19, 2012 16:17
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front wing flexing posted:FUUCCKKKK shady federal. Navy federal? What's shady?
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Jul 19, 2012 16:30
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Ron Jeremy posted:Navy federal? What's shady? Google Navy Federal complaints and enjoy your read. They're like that nice preacher that everybody reveres but behind the scenes he's abusive as poo poo and probably a child molester.
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Jul 19, 2012 16:46
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Any time I've ever dealt with USAA customer service they've always exceptional. At first I thought it would be a pain in the rear end not having an actual bank branch to go to, but it's never been a problem.
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Jul 19, 2012 16:52
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I use my USAA Amex almost exclusively (I pay it off every month or two). Rewards points.  If I'm somewhere that doesn't accept it (rare) I'll use Discover or my USAA debit MC.The only bad thing about not having a local branch is if you need a bank check or something asap. They'll overnight it, but sometimes even that's not fast enough.
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Jul 19, 2012 17:06
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Godholio posted:The only bad thing about not having a local branch is if you need a bank check or something asap. They'll overnight it, but sometimes even that's not fast enough. All you have to do is scan the check and upload it online. They even have an iPhone app that does it. I can't remember for certain, but I'm pretty sure the deposit happens instantly.
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Jul 19, 2012 17:23
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front wing flexing posted:Google Navy Federal complaints and enjoy your read. They're like that nice preacher that everybody reveres but behind the scenes he's abusive as poo poo and probably a child molester. Some crazy stories. Can't say I've ever had an issue with them in the 16 *fuckhowdidthathappen* years I've had a navy federal account. I do use usaa for insurance and a local megabank account for branch convenience.
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Jul 19, 2012 17:59
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Signaleer posted:All you have to do is scan the check and upload it online. They even have an iPhone app that does it. I can't remember for certain, but I'm pretty sure the deposit happens instantly. Not depositing a check, getting a bank check (like a cashier's check). But yes, the mobile or deposit@home thing works instantly. I haven't had a problem since it first came out when it didn't like Firefox, but that's long in the past.
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Jul 19, 2012 18:12
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Also a lot of UPS stores take USAA check deposits.
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Jul 19, 2012 19:14
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On the topic of USAA, is there a way of setting up auto-pay for things usually paid by checks? I pay my rent by check every month, and somebody mentioned to me that there was a way to set this up.
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Jul 20, 2012 01:29
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Yeah man dig around under "make a payment" or something I think off the top of my head. It's pretty sweet. Should be on the sidebar while in your checking account screen, or on the main account screen there should be a drop down bar with it as an option I believe.
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Jul 20, 2012 01:34
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AB posted:On the topic of USAA, is there a way of setting up auto-pay for things usually paid by checks? I pay my rent by check every month, and somebody mentioned to me that there was a way to set this up. Yes. The simplest way would be to get the account information of whoever you pay your rent to and then set up an automatic transfer from your checking or whatever to that account every month (my monthly IRA contribution is set up this way.) I think there's another way through their "Bill pay" section, but I'm pretty sure that this one requires account information of the account you are depositing in as well.
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Jul 20, 2012 01:37
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Ron Jeremy posted:Some crazy stories. Can't say I've ever had an issue with them in the 16 *fuckhowdidthathappen* years I've had a navy federal account. I do use usaa for insurance and a local megabank account for branch convenience. Navy Federal took 1000 dollars or some poo poo out of my savings without telling me, I had to call them up to even find out who and why. California somehow ordered them to take money from my account for income tax I didn't owe(never a resident). Took me a week to get it back, glad I wasn't broke at the time. But military people and finances are a loving nightmare and I'm sure a lot of NFCU horror stories are dealing with retarded junior enlisted people and their spouses who are loving idiots and cry foul at actually having to pay off loans and poo poo
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Jul 20, 2012 01:42
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iyaayas01 posted:Yes. The simplest way would be to get the account information of whoever you pay your rent to and then set up an automatic transfer from your checking or whatever to that account every month (my monthly IRA contribution is set up this way.) I think there's another way through their "Bill pay" section, but I'm pretty sure that this one requires account information of the account you are depositing in as well. No, you can have checks mailed out from your account automatically as well. I use this for rent and a bill that only takes checks.
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Jul 20, 2012 01:51
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Axolotl posted:No, you can have checks mailed out from your account automatically as well. I use this for rent and a bill that only takes checks. Well, I learned something today.
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Jul 20, 2012 02:02
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So here's something a bit more specific. Am looking for some info. I'm leaving AIT soon, and and my orders are for Yongsan in South Korea. I'm just looking for a bit of what to expect details forYongsan or overseas stations in general. I only did about 10 minutes of google-fu before coming here so sorry if it's a pretty obvious question. Mostly I'm not to find out what kind of post Yongsan is, and what I can expect from it. My MOS is 68W (health care specialist aka combat medic)
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Jul 20, 2012 02:35
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Purple Spy posted:So here's something a bit more specific. Am looking for some info. I'm leaving AIT soon, and and my orders are for Yongsan in South Korea. I'm just looking for a bit of what to expect details forYongsan or overseas stations in general. I only did about 10 minutes of google-fu before coming here so sorry if it's a pretty obvious question. Mostly I'm not to find out what kind of post Yongsan is, and what I can expect from it. My MOS is 68W (health care specialist aka combat medic) Did your orders say "Yongsan" or Camp Coiner? Anyhow, you just go there to inprocess. Odds are you'll be stationed somewhere else on the peninsula. EVERYONE goes to yongsan first. edit: Don't loving marry a juicy girl man, they're just loving slaves man.
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Jul 20, 2012 02:39
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DEVILDOGOOORAH posted:Did your orders say "Yongsan" or Camp Coiner? Anyhow, you just go there to inprocess. Odds are you'll be stationed somewhere else on the peninsula. EVERYONE goes to yongsan first. So far all it says is yongsan. Tis a shame its just inprocess.would love to be in seoul
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Jul 20, 2012 02:47
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Purple Spy posted:So far all it says is yongsan. Tis a shame its just inprocess.would love to be in seoul Seoul is madness and half the posts are on the fringe of it anyways. A lot if not all of the little microcamps are gone nowadays anyhow. Unless you end up in Area IV its not hard to catch a bus to Seoul anyhow.
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Jul 20, 2012 02:59
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Navy people: how often does someone fall overboard and how much poo poo are they in when that happens?
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Jul 20, 2012 03:00
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Oxford Comma posted:Navy people: how often does someone fall overboard and how much poo poo are they in when that happens? We had one man overboard on a carrier of 5,000 or so people in 6 months of deployment. He fell off while trying to hop to another jet in the middle of the night, as far as I know if you're lucky enough to survive/be found you won't be in any trouble. He was rescued by helicopter bros way before they ever got the loving RHIB in the water, thought that was pretty funny.
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Jul 20, 2012 03:02
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Oxford Comma posted:Navy people: how often does someone fall overboard and how much poo poo are they in when that happens? Like 10 daily in your average CVBG, 1/10 dont survive, the other nine go to mast.
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Jul 20, 2012 03:02
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Purple Spy posted:So here's something a bit more specific. Am looking for some info. I'm leaving AIT soon, and and my orders are for Yongsan in South Korea. I'm just looking for a bit of what to expect details forYongsan or overseas stations in general. I only did about 10 minutes of google-fu before coming here so sorry if it's a pretty obvious question. Mostly I'm not to find out what kind of post Yongsan is, and what I can expect from it. My MOS is 68W (health care specialist aka combat medic) Yongsan is a decent base. As others have said, you'll most likely only come here for inprocessing though. I was stoked to see Yongsan on my orders only to get shipped down to Humphreys. As long as you avoid Area 1, you really won't have a bad time in Korea. The remote bases are mostly shutdown and "major" cities have sprouted up outside the remaining bases. I'm in Yongsan as a fat contractor so hit me up when you get here.
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Jul 20, 2012 05:20
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DEVILDOGOOORAH posted:Seoul is madness and half the posts are on the fringe of it anyways. A lot if not all of the little microcamps are gone nowadays anyhow. Unless you end up in Area IV its not hard to catch a bus to Seoul anyhow. And if you do wind up in Area IV you can party in Daegu which is just as much fun anyway.
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Jul 20, 2012 06:46
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Just Dont Look posted:As long as you avoid Area 1, you really won't have a bad time in Korea.  For reals though it sucks bad. Sorry if you end up here.
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Jul 20, 2012 08:54
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not caring here posted:For reals though it sucks bad. Sorry if you end up here. Hey sometimes decent poo poo happens, the typhoon pulled a lot of people out of the field 3 days early. ... yeah that's all I got.
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Jul 20, 2012 10:08
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Signaleer posted:Any time I've ever dealt with USAA customer service they've always exceptional. At first I thought it would be a pain in the rear end not having an actual bank branch to go to, but it's never been a problem. They've started putting physical locations around some of the larger installations, I know there's one outside of Bragg and I think Hood now. I've never really had the need for one though.
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Jul 20, 2012 11:12
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DEVILDOGOOORAH posted:Like 10 daily in your average CVBG, 1/10 dont survive, the other nine go to mast. I dunno about this. Was on one for 4.5 years the battle group as a whole only had 1 legitimate man overboard. e: Didn't see the daily. Joke went over me head.
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Jul 20, 2012 23:25
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SquirrelyPSU posted:I dunno about this. Was on one for 4.5 years the battle group as a whole only had 1 legitimate man overboard. Yeah, so its not very common. But what happens to the guy who does go overboard?
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Jul 21, 2012 00:42
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I know that maritime vessels have to perform these figure 8 drills every so often. I have no idea if they actually do this or not during a real life rescue, but I'm sure one of the Coasties would be able to tell you.
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Jul 23, 2012 03:50
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Signaleer posted:I know that maritime vessels have to perform these figure 8 drills every so often. I have no idea if they actually do this or not during a real life rescue, but I'm sure one of the Coasties would be able to tell you. It all depends on sea conditions, how long ago the man fell overboard and if it is day or night. If we dont find the man we start doing an expanding square search begining at the last known position of the man. In the best case scenario we lunch the small boat and recover the man. Sectors have software that can simulate the location of a man overboard and vessel adrift based om weather, currents and so on. Edit: If conditions permit, we do the actual turn.
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Jul 25, 2012 17:02
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I skimmed through the 5 pages of the forum, but couldn't find the military ward thread started by christoff (I think...). Anyways, TRICARE QUESTION: My wife and I were sick as hell and ended up going to an Urgent Care on a Saturday. We did that because we figured it would be less busy than the ER. I'm AD, she's my dependent. So yesterday we get a letter from Tricare addressed to her with a check for about 60 bucks, saying that is the amount Tricare is covering, but since it was out of the network, they are sending us the check so we can pay the facility. Upon reading the letter further, it had a breakdown of the costs and it said that the total bill was about $400. It had 0 for copayment and deductible. We haven't received a bill from the company yet, and the facility said they normally take about a month to send the bills out (we went in late June). I'm going to call the facility up tomorrow to check, but here's the two questions: 1) How likely is it I'm going to be on the hook for a $340 bill for urgent care ($400 visit less the $60 check Tricare sent us)? 2) From reading on some other forums, it seems like the policy for most military is to try and go to your on base ER first, and if not, then you need a referral from your PCM. I'm Coast Guard, and I've brought my wife to the ER before as a dependent and never gotten billed, but this was the first time going to Urgent Care with her. I've gone to an Urgent care before and never been charged. The nearest base's medical facilities aren't open on Sundays (at least not for Coast Guard...we have a small section of the office split up for us with a PA, a doctor, and an HS3), and my wife' PCM isn't open on Saturdays. If we are on the hook for this, would it be worth a call to Tricare saying I couldn't get a referral because we went on a Saturday? nwin fucked around with this message at 20:16 on Jul 29, 2012 |
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Jul 29, 2012 20:08
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Definitely call tricare. You can often get a referral after the fact when it's an urgent-care or ER trip.
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Jul 29, 2012 20:10
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nwin posted:I skimmed through the 5 pages of the forum, but couldn't find the military ward thread started by christoff (I think...). 340 dollars is the cost of not having to wait behind other people who really don't have emergencies. If tricare doesn't help you go to your local clinic patient advocate and they are pretty knowledgeable in what you can/ can't do.
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Jul 29, 2012 20:13
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Hey all, I'm writing a novel, and my main character is ex-Army. I have a couple of background questions that I'd like to ask. I'm having him have a history as an enlisted man eventually discharged for disability after taking shrapnel to the head. I haven't firmly decided on his job specialization, but am deciding between making him a combat engineer or a straight-up infantryman. 1. What is the highest rank he would believably have reached after five years in the Army if he was a hard-charging exceptionally talented typical thriller-hero guy? 2. What is the minimum believable level of damage for him to get a medical discharge with? It seems like higher and higher levels of disability are kept in the military; the discharge would have occurred in 2007. 3. What is the percentage of time he would typically spend in-theater (Afghanistan) during those five years? Thanks kindly for any info.
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Jul 29, 2012 22:09
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Jul 29, 2012 22:31
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