Miscellaneous information which you may find of benefit
GENERAL CONSUMER INFORMATION
Does the US have issues with identity theft and scams? YES. Like any country, the United States has its share of scams or fraudulent activities—varying in nature and frequency. The questions below list the most common problems that staff members and their families have experienced, and some practical guidance on what you can do to avoid or at least limit the effect such scams may have on you.
Where can I find additional information? The US Federal Trade Commission (FTC) (http://www.ftc.gov), the US Federal Communications Commission (http://www.fcc.gov; http://www.fcc.gov/cgb/information_directory.html) and the Federal Citizen Information Center (FCIC) (http://www.pueblo.gsa.gov) are excellent Government consumer resources offering ‘fact sheets’ and booklets on a variety of topics. The Federal Citizen Information Center (FCIC) maintains a Consumer Action website (http://www.consumeraction.gov/viewpdf.shtml ) which contains very helpful information on common consumer issues including contact information for Federal, State and corporate consumer agencies and organizations, Trade Associations, State Better Business Bureaus, etc. Additionally the Consumer Action Handbook also contains consumer tips on topics from buying a car, credit reports, renting/leasing a home, automobile insurance, identity theft, and many other topics.
What is Phishing? One of the most common and costly scams currently in the United States is ‘phishing’, which is addressed in detail in the Money/Banking/Finance section of full pdf version of the Relocation Guide.
What should I be aware of regarding Money Orders, Certified Checks/Cheques and Wiring of Funds Scams? When purchasing or selling goods, you should only send or accept the exact amount of money required by the transaction. For example: If you are selling a car for $5,000, you should only accept certified funds for $5,000, the exact amount of the transaction, and then ensure (through the financial institution with whom you deal) that the funds have ‘cleared’ your account prior to delivering or shipping the item.
Can you provide an example of a scam? A ‘scam’ could involve a buyer sending the seller more money than the transaction requires (in this example, say, $6,500), and then requesting that the seller wires the remainder of the funds ($1,500) to a shipping, transport, or similar company so that the buyer can have the item shipped to him. However, although the method of payment (money order or certified cheque) appears to be valid on its face, in fact, it is not valid and the buyer loses $1,500 in this example.
Is there any recourse against these scams? NO, not in practical terms. There is essentially no viable recourse as it normally involves the use of multiple names, addresses in other countries, untraceable or blocked telephone numbers, etc.
Can I complain if I am inadvertently involved in a scam? Consumers can file a complaint online with the FTC (http://www.ftc.gov) or with the Internet Crime Complaint Center (http://www.ic3.gov); however, the likelihood of recovering your money or item once shipped is slight.
Is Identity Theft a big problem? The US Government answer to identity theft is “Deter, Detect, and Defend”. Although you may be cautious and protective of your personal information and documents, identity theft does occur.
What should I do to avoid my identity being stolen? You should ensure that you shred items containing personal information (credit card/bank statements, personal checks/cheque (new/old/cancelled), tax information, applications from credit card companies pre-printed with your name and address, etc.) prior to placing in the trash.
Where do I find additional information? Please consult the US Federal Government website at http://www.ftc.gov/idtheft for detailed information.
I suspect that I am victim of identity theft, what should I do? If you suspect you are or have been a victim of identity theft, you should immediately call the Fraud Units of the four major credit bureaus—Experian, Equifax, TransUnion and Innovis, and request that they “flag your account with a fraud victim alert”, request to file an “impact statement”, and request a copy of your credit report and review carefully. See Section entitled “Establishing Credit in the United States” for additional information regarding obtaining a free copy of your credit report from the four major credit bureaus.
How do I contact the Fraud Units? Once in the USA, the Fraud Units can be reached at the following toll-free telephone numbers: Equifax: +1 800 525 6285; Experian: +1 888 397 3742; Trans Union: +1 800 680 7289; and Innovis: +1 800 540 2505.
I enjoy shopping on-line, is this safe to do? The convenience of shopping online and availability of goods offer an attractive alternative to shopping in a traditional store or shop. However, you should ensure that the company or the individual with whom you are dealing is legitimate and actually has the goods or services as advertised. This is often difficult but if the deal seems too good to be true, or if you have a sense that something is “not quite right”, you are likely correct. You should try to determine whether the company is legitimate by asking such questions as: what kind of business is it, what does it sell, where is it located, how can you contact the business, is the product or service being offered clearly described, restrictions or limitations on the sale, warranty/guarantee, safe payment options, estimated delivery date, etc.
I keep receiving telemarketer calls and unwanted (“Junk”) Mail. Is this normal and how do they know my information? In the United States, it is common, and legal, for companies providing consumer services to ‘sell’ your name and address to other companies, unless you have advised in writing that you do not wish for them to do so (companies are required to send disclosure forms, but your response is only required when you do not wish for them to sell your information. Many of us do not read such pamphlets as they appear to be ‘junk mail’). In addition, companies obtain your name, address and telephone number from Internet searches or from the electronic telephone listings (if your number is published). You can pay a fee to your local telephone carrier to have your number unpublished; however, please be aware that no one will be able to obtain your telephone number through directory assistance (i.e., the telephone operator). Therefore, it is likely that you will receive telephone calls from telemarketers (companies trying to sell goods or services).
Can I do anything to prevent these calls? You can avoid the majority of such calls by registering your home and mobile telephone numbers on the National Do Not Call Registry at https://www.donotcall.gov/ or by calling +1 888 382 1222. You can also write to Direct Marketing Association, P.O. Box 9014, Farmingdale, NY 11735.
Can I do anything to prevent these mailings? YES. Any unwanted, or junk mail can be reduced by sending a letter to Direct Marketing Association, P.O. Box 9008, Farmingdale, NY 11735, informing them that you do not wish to receive junk mail.
I keep receiving credit card offers? Many people receive credit card offers in the mail which ordinarily contain a pre-approved application for a new credit card. The four major credit reporting bureaus (detailed in the preceding section entitled, “Establishing Credit in the United States”) are required pursuant to US Federal law (The Fair Credit Reporting Act”) to maintain an “opt-out list” of consumers who do not wish to receive pre-approved or pre-screened offers. You can add your name to the list by visiting http://www.optoutprescreen.com, or by calling 1 888 OPT OUT. Your name will then be on the list for a period of five years.
How can I better protect myself and my family? Use common sense and be aware; if your suspicion is aroused, you should look at the issue more in-depth. If something seems too good to be true, it probably is. In many instances, simply by conducting an Internet search, you will confirm your suspicions. If you do not find anything on the Internet, but are still concerned, please contact a representative in the Office of the Legal Advisor.
The following are some tips you can use to avoid becoming a victim of cyber fraud:
- Do not respond to unsolicited (spam) email.
- Do not click on links contained within an unsolicited email.
- Be cautious of email claiming to contain pictures in attached files, as the files may contain viruses. Only open attachments from known senders.
- Always compare the link in the email with the link to which you are directed and determine if they match and will lead you to a legitimate site.
- Log on directly onto the official website for the business identified in the email, instead of ‘linking’ to it form an unsolicited email.
- Contact the actual business that supposedly sent the email to verify if the email is genuine.
- If you are asked to act quickly, or there is an emergency, it may be a scam. Fraudsters create a sense of urgency to get you to act quickly.
To receive the latest information about cyber scams, consult the FBI website at: (http://www.fbi.gov/cyberinvest/ escams.htm) and sign up for email alerts by clicking on one of the red envelopes.
SELECTIVE SERVICE REGISTRATION
What is Selective Service? US Selective Service System (http://www.sss.gov ) is the program by which the United States Government administers military conscription so that in the event of a draft, it will have accurate information on all males ages 18 through 25. Males become ineligible the last day before their 26th birthday. Females are not currently required to register for selective service.
My son received a “Selective Service” registration notice. Is he required to reply or can he just ignore the notice? YES, government notices should never be ignored and the form should be completed and returned.
Does this mean my son will be required to serve in the US armed services? NO, provided that he is in the United States lawfully on a non-immigrant visa, such as a “NATO” or “A” classification visa. If your son receives this form and is unsure as to how to complete it, a representative in the Office of the Legal Advisor can assist.
My son has lawful permanent resident status (or is a US citizen). Does he have to register and will he have to serve? YES, he is required to register within 30 days of his 18th birthday, or upon obtaining lawful permanent residency or US citizenship. If the draft is re-instituted by the US Government and your son is a US citizen or lawful permanent resident of the United States, and is between the age of 18 and 25, then he would be required to serve if selected.
JURY DUTY
What is a jury? A jury is a group of citizens who are selected and sworn to listen to evidence presented and make a decision—a verdict—against someone who has been accused of a crime.
I received a notice to serve on a jury. Do I have to reply? YES, government notices (whether local, State or Federal) should never be ignored. Please see Legal Affairs’ representatives (+1 757 747 3228/3640) who will assist in completing the “jury questionnaire” and provide a certification letter supporting your exemption.
Do I have to serve on a jury? NO.
But I would like to serve on a jury? You are not eligible to serve on a jury since you are not a citizen of the United States nor are you “generally resident” in the Commonwealth of Virginia or the city of residence in accordance with the NATO Status of Forces Agreement and applicable Federal regulations.
ENGLISH AS A SECOND LANGUAGE (ESL)
Can you recommend any “English as a Second Language (ESL)” classes for adults? The Adult Learning Center (located in Virginia Beach) has excellent courses, including ESL. For more information, contact the Adult Learning Center at 648 6050 (http://www.adultlearning.vbschools.com/).
Local universities and colleges also offer ESL classes. Old Dominion University (ODU) located near the Headquarters has the English Language Center (ELC) (http://www.odu.edu/ao/oip/elc/) and offers a discounted program to NATO staff officers and their dependents. Consult the link above or consult the Staff Officer located within the TC-520 (Strategic Engagement and Vision) Branch upon arrival for more information.
What about classes designed for younger children? You may wish to inquire regarding the eligibility of ESL tutoring upon registering your child in the local public school system. Virginia Beach Public Schools, for example, have an ESL program where children meet with a teacher 2-3 times per week throughout the school year. Virginia Beach also has an ESL summer programme that is available if your child is currently registered as a student in Virginia Beach.
Access to Rosetta Stone may also be available to personnel assigned to the Headquarters and their family members, at no charge subject to availability. Personnel in the Staff Training Section will provide this information upon check-in, or during their orientation programme.
LIBRARY SERVICES
I understand there are many public libraries? YES, the local cities have public libraries where city residents can borrow books, audio books, music and videos at no charge. Upon your first visit to the public library in the city where you are residing, you will be asked to complete an application; ensure that you have photo identification as well as a document (Virginia drivers’ license, utility bill, vehicle registration, etc.) containing your name and local address. Additional information such as locations and hours of operation can be found at: Virginia Beach www.vbgov.com/dept/library; Norfolk www.npl.lib.va.us; and Chesapeake www.chesapeake.lib.va.us.
If you enjoy reading, you may find these titles helpful in familiarizing yourself with the local or surrounding area: Chesapeake, by James Michener; Tidewater Virginia with Children: Where to Go and What to Do in Williamsburg, Jamestown, Yorktown, Newport News and Hampton, by Barbara M. Wohlford and Mary L. Eley; and Tidewater on the Halfshell: Fine Virginia Recipes, by The Junior League of Norfolk-Virginia Beach. Your recommendations would be appreciated for future editions of this Guide.
NAVY FLEET AND FAMILY SUPPORT CENTER
What is the Navy Fleet and Family Support Center? There are eight Navy Fleet and Family Support Centers (FFSP) located throughout the Hampton Roads area, which provide programmes and services to members of the fleet and their family members regarding a variety of issues affecting military families. FFSP Norfolk is located within 5 minutes of the HQ at 7928 14th Street, Suite 102 (off Hampton Boulevard).
Where can I find additional information? They publish a “Resource Guide”, bi-monthly bulletin, and brochures covering an array of topics that military families, especially those new to the Hampton Roads area, will find helpful. Additional information can be found clicking here.
HURRICANE INFORMATION
How long does hurricane season last? The Atlantic hurricane season extends from June through November each year. There are, on average, six Atlantic hurricanes each year, not all of which strike the United States.
How do I prepare for a hurricane? Historically, the lack of hurricane awareness and preparation are common threads among all major hurricane disasters. By knowing what actions you should take, you can reduce the effects of a hurricane disaster. It is recommended that you and your family develop a plan well in advance of a storm threat.
Does the HQ or the NLR offices have information? YES.
The HQ disseminates a brochure in advance of each hurricane season, which is widely available. The HQ Support Branch, Branch Head, ordinarily sends emails (unclassified) and also a recorded message on the HQ’s Audix (voice mail) messaging system in the event of inclimate weather.
Many of the NLRs will request your local address, telephone number and emergency next-of-kin contact information. They may also advise as to your (national) procedures/policies should a hurricane, other inclimate weather or emergency be anticipated or occur.
The Virginia Department of Emergency Management website www.vaemergency.com has good information on developing your family plan with tips and check lists in the event of a hurricane. In addition, you should be aware of the Tidewater area local evacuation routes at www.virginiadot.org/travel/hurricane_default.asp and be prepared in advance of an impending hurricane. The US Department of Homeland Security also has detailed information on hurricanes, flooding, and other natural disasters at www.ready.gov/america/makeaplan, as does the International Committee of the Red Cross at www.redcross.org.
TIPPING
What is a Tip? Unlike Europe, leaving “TIPS” (an abbreviation–“to insure prompt service”) for services is quite common in the United States. In fact, in most instances the individual providing the service expects them.
Why should I tip? An individual who ordinarily receives tips is working in an occupation for which the wage is lower than the US Federal Government’s mandated minimum wage of $5.15 per hour. In restaurants an employer, in most US states including Virginia, is only required to pay a restaurant server $2.13 per hour in direct wages provided that the individual receives tips which when combined with their wage equals that of minimum wage ($5.15 per hour). The amount of tip is usually determined by the type and level of service provided.
What is the recommended tip for wait staff in a restaurant? In some instances, the gratuity (or tip) is included in the bill; this occurs most frequently with large groups and should be posted in the restaurant, referenced on the menu, or you will be informed at the time of reservation or at seating. You are expected to leave a minimum of 15% of the ‘pre-tax’ amount, although many customers leave 20% especially if you frequent the restaurant or if it is a more expensive establishment. When dining with a large group (6 or 8 or more in your party) the gratuity (usually 15-18% of the pre-tax amount) is ordinarily included with the bill, although you can leave an additional tip if you wish. The wine steward, or sommelier, will expect a tip of 10% of the wine portion of the bill; for cocktails, most customers tip a minimum of $1 per drink for more expensive cocktails; $1-2 per round of beer for example. For small invoices or ‘tabs’, it is considered in bad taste to leave less than $1 per person at the table, even if you have only had coffee or soda (if you are at the table for more than one hour, you would ordinarily be expected to leave more).
How much is the recommended tip for other services?
Hairdressers, manicurists, masseur/masseuse, and similar service providers ordinarily expect to be tipped approximately 15% of the bill. Taxi drivers expect 10-15% of the fare, with 15% more common in larger cities. When valet parking, it is suggested that you tip $1-5 (the value of the car factors into the amount of tip!) when you drop the car and again when you retrieve it.
Bellman (luggage carriers) expect $1-5 per bag (proportionate to the hotel’s rating-1-5 star).
Hotel maids and housekeeping staff ordinarily expect a tip of approximately $2-3 per night in an average hotel, with $3-5 per night in a luxury hotel or resort. It is suggested that you tip daily rather than at the end of your visit as you may have a different maid each day. Leave your tip in an obvious place such as on or near the television, on your pillow or on the bathroom counter.
If I do not want to leave a tip because the service was bad, what should I do? If you receive bad service, you should speak to the manager rather than leave a bad tip, as the assumption will be that you are a poor tipper.
RECREATION
Where can I find information regarding this to do in the local area? The US National Park Service (NPS) (http://www.nps.gov ) as well as the individual states (of the United States) have tourist bureaus (Virginia’s can be found at http://www.virginia.org) that are excellent (free) resources containing a wealth of information about locations and sites worth visiting. Other excellent resources are The Lonely Planet series and Virginia and the Capital Region. Check the public library for other resources, or “Virginia” section of the larger bookstores (such as Barnes and Noble or Borders). You may also wish to refer to the following links:
http://www.pilotonline.com (refer to the Local Events Calendar or Local Attractions)
http://www.vdot.virginia.gov/travel
I heard Virginia Beach has “Recreation Centers” that I can join? Virginia Beach city owned/operated recreation centers offer affordable annual memberships for Virginia Beach residents. Residents of other cities are able to join for a higher fee. Most recreation centers have gyms, aerobics classes, swimming pools, athletic, dance, craft and other classes and activities for children.
I have heard about MWR, what is this and am I entitled to it? International personnel and their dependents who have US Department of Defense identification cards extending “MWR” privileges are eligible to use US Department of Defense “morale, welfare and recreation” (MWR) facilities (e.g., swimming pools, fitness centers, picnic/park areas, golf course, bowling centers, cinemas, boat rentals, automotive skills center (where you can perform work on your own vehicle using their facility), RV parks, etc.).
Am I entitled to discounted tickets for attractions? The ITT (Information, Tickets and Tours) offices (part of MWR) are located on area military bases. They offer discounted tickets to many local attractions like Busch Gardens, Colonial Williamsburg etc., and Florida attractions (such as Disney World, Busch Gardens, etc.).
Where can I find additional information? MWR authorities publish a free monthly publication called “Discover” which is available online at https://www.cnic.navy.mil/cnrma/MWR/index.htm, at ITT offices on local military bases at:
Naval Station Norfolk +1 757 445 6663
Joint Expeditionary Base Little Creek-Fort Story +1 757 462 7665
NAS Oceana +1 757 433 3301
How do I find out where the local bowling centers/alleys are? Many local military bases have bowling centers. Contact information for several below:
Naval Station Norfolk - Liberty Lanes +1 757 451 0100
Joint Expeditionary Base Little Creek-Fort Story - Gator Bowl +1 757 462 7952
NAS Oceana - Freedom Lanes +1 757 433 2167
How do I find out where the local golf courses are? Many local military bases have golf courses. The contact information for several courses are listed below:
Naval Station Norfolk–Sewells Point +1 757 444 5572
Joint Expeditionary Base Little Creek-Fort Story–Eagle Haven +1 757 462 8526
NAS Oceana–Aeropines +1 757 433 2866
TO SEND MAIL FROM THE UNITED STATES
How much is a postage stamp? Postage stamps to mail a letter (not weighing more than one ounce) within the United States currently costs 44¢, to Canada it costs 80¢, and to Europe, it is 95¢.
Where can I buy postage stamps? Stamps can be bought at the United States Postal Service (USPS) office, the official mail agency of the United States Government, and at many local supermarket customer service desks and local pharmacies.
Do I have to take a letter to the post office to send? To post/mail a letter, place the envelope in the “mailbox” at the end of your driveway (for most residents) and raise the ‘red’ flag so the USPS mail person knows to collect that mail prior to depositing your incoming mail into the mailbox. If you live in a condominium or apartment complex, there is usually a central place where mail can be left for collection and retrieved. You will receive these instructions upon move-in from the property manager. Of course, you can take the letter to the nearest USPS Post Office. Please consult http://www.usps.com/ for locations.
Where can I find information regarding postal rates? Consult the USPS official web site at http://www.usps.com/prices.
For additional information or clarification regarding information contained in The Relocation Guide for NATO Personnel, please contact Kathy Bair in Legal Affairs on +1 757 747 3640 (Kathy.Bair@act.nato.int) or Emma Hart on +1 757 747 3228 (Emma.Hart@act.nato.int).
This Guide is intended for the use of incoming and current NATO and Partner personnel and their family members assigned to Headquarters, Supreme Allied Commander Transformation, and affiliated commands, NATO agencies, National Liaison Representatives (NLRs) and Partner NLRs. We hope this information was or will be of use to you in the relocation process. Please suggest information, topics, etc. that may benefit future Command members or to inform the Office of the Legal Advisor when your personal experiences differ from the guidelines and information listed in this Guide.
