When is usaa senior bonus paid

Nov 26, 2019 · The benefits may be good but the work is horrendous. The entire line of leadership in claims need to be replaced. If you have any other choice go elsewhere. There was a life taken in Texas at USAA over how terrible the work place was. Then USAA higher ups literally made it about themselves. Annual bonuses have a wide range in average amounts and can vary yearly. You may get a bonus one year but nothing the next, so be sure you understand how your employer selects people to receive a year-end bonus. Executives receive higher bonuses that can multiply based on performance, while most employees earn bonuses equal to …Feb 29, 2024 · USAA offers auto loans with terms up to 84 months. The type of auto loan you get depends on the type of car you choose: New car, used car, older, car. Once approved, your USAA auto loan approval ... Oct 29, 2023 · The estimated total pay range for a Senior Compliance Officer at USAA is $115K–$182K per year, which includes base salary and additional pay. The average Senior Compliance Officer base salary at USAA is $124K per year. The average additional pay is $20K per year, which could include cash bonus, stock, commission, profit sharing or tips. USAA paid $1.6 billion in distributions, dividends, and bank rebates and rewards last year to its customers, Johnson said. That was up from $1.5 billion in 2013. AdvertisementThe estimated total pay for a Senior Property Adjuster at USAA is $96,199 per year. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $87,788 per year. The estimated additional pay is $8,411 per year.More than 30 percent of seniors over the age of 65 have smartphones. They want to stream music and movies on their phones as well as making phone calls. So, the best data package i...The only way to know whether a rebate or a promotional APR is best for you is to do the math. Example 1: Let's say you find a car that costs $25,000. The dealer offers you a $1,000 rebate or a promotional APR of 1.99% for 60 months. The rate you can get through a local or online lender is 2.99% for 60 months.We're made to serve your financial goals all in one place. · Auto and Property Insurance · Banking · Life and Health Insurance · USAA Perks®.Jan 27, 2021 · USAA's 10.1% salary bonus for 2020, paid to employees companywide, was the lowest since the details of the annual perk were first made public in 2007. Credit: Scott Ball / San Antonio Report USAA cut its annual bonus awarded to employees for the sixth year in a row after the company fell short of performance goals set by its board of directors. For example, the USAA SafePilot program offers up to a 10% discount when you enroll, and up to 30% off your premium when your policy renews and your discount is calculated. See note 1. After any discount is applied, your driving score resets and you have a clean slate to begin the next period until your policy …Oct 11, 2023 · Set up and receive a qualifying direct deposit of $100 or more within 180 calendar days. Receive $200 bonus in your account within 60 days of your qualified direct deposit. Eligibility: Offer available for new USAA Classic Checking accounts from USAA Federal Savings Bank, also known as FSB, opened between October 11, 2023, and March 14, 2024. That matches the highest bonus ever paid by USAA. The last time it awarded 18.8 percent was in 2010. The bonus was 18.4 percent in 2011 and 2012. Advertisement. Article continues below this ad.You can change your Subscriber's Account distribution preference before Dec. 1 every year. If eligible, you can also update your Senior Bonus distribution preference until Feb. 1. Changes made after those dates will apply to distributions approved in the future. Log on to usaa.com to edit your preferences.tomd37 wrote:Best I can calculate, my USAA subscriber account (SA) refund amounted to about 6.4% of the annual premium totals I paid USAA for the four types of insurances I have with them.In addition to that, and as a result of the length of my membership (more than 40 years needed to qualify), I received an additional 10% refund …1. The Flex Card Is Not a Government Program. At times, the Flex Card for seniors is referred to as the Medicare Flex Card. As a result, some may assume that the Flex Card program is run by the ...Oct 25, 2020 · USAA offers a senior bonus if you have been a member with them (with an insurance product) for 40+ years. A senior bonus is 10% of your subscriber balance returned to you, tax free. The new bill would seek to lessen the strain on people collecting Social Security by boosting each recipient's monthly check by $200 — an annual increase of $2,400. "Many, many seniors rely on ...As seniors, it can be difficult to find places that are both enjoyable and age-appropriate. Whether you’re looking for a place to relax, have fun, or just get out of the house, the...The Senior Bonus amount should be 10% of the amount in your Subscriber Account. Not sure there is any relation to the regular distribution as that amount …19 May 2017 ... ... senior management responsibilities, as defined by the Senior ... The annual bonus payment consists of a multiplier, assigned to the individual's.How much is the DWP Christmas Bonus? A tax-free £10 payment will be made to those on eligible benefits during the first full week of December.1 Best answer. No, it is considered to be a return of premium (like a rebate), so it is not taxable and would not be included on your tax return. June 6, 2019 10:10 AM. No, it is considered to be a return of premium (like a rebate), so it is not taxable and would not be included on your tax return. June 6, 2019 10:10 AM.As seniors, it can be difficult to find places that are both enjoyable and age-appropriate. Whether you’re looking for a place to relax, have fun, or just get out of the house, the...The annual bonus is one part of USAA’s benefits package, which it has said ranks among the highest in its industry. Under USAA’s compensation program, an employee who earns a $50,000 base ...Upon 40 years of membership, there is an additional payout called the Senior Bonus which amounts to 10% of the SSA balance. This can be substantial. Null384874758. • 9 mo. ago.The new bill would seek to lessen the strain on people collecting Social Security by boosting each recipient's monthly check by $200 — an annual increase of $2,400. "Many, many seniors rely on ...Jan 27, 2021 · USAA's 10.1% salary bonus for 2020, paid to employees companywide, was the lowest since the details of the annual perk were first made public in 2007. Credit: Scott Ball / San Antonio Report USAA cut its annual bonus awarded to employees for the sixth year in a row after the company fell short of performance goals set by its board of directors. Log on to usaa.com and select your account. Select “Advanced Search,” go to the “Category” section and enter "Checks.”. Find your check images next to the check description. You can save check images to your device or print them for your records. If you can’t find a specific check, call us at 800-531-USAA (8722).You can change your Subscriber's Account distribution preference before Dec. 1 every year. If eligible, you can also update your Senior Bonus distribution preference until Feb. 1. Changes made after those dates will apply to distributions approved in the future. Log on to usaa.com to edit your preferences.As seniors, it can be difficult to find places that are both enjoyable and age-appropriate. Whether you’re looking for a place to relax, have fun, or just get out of the house, the...Oct 25, 2020 · USAA offers a senior bonus if you have been a member with them (with an insurance product) for 40+ years. A senior bonus is 10% of your subscriber balance returned to you, tax free. The type of bonus you receive will determine when it is paid out. Year-end bonuses are typically paid within the first few months of the new year. Annual bonuses may be paid at the same time each year, although the company typically sets the timeline for when they will be paid to employees.A Christmas Bonus of 100% will be paid during the week beginning 4 December 2023 to people getting a qualifying social welfare payment (see below). If you are getting Illness Benefit for 12 months or more, the payment date is different – you will receive the Christmas Bonus between 5 December 2023 and 22 …Section 1. Eligibility for membership shall be as defined and determined by the board of directors in each of the following categories: (a) Commissioned, warrant and non-commissioned officers in the United States Services; cadets, midshipmen, and other candidates for commissions therein. (b) …Anyone who is not eligible based on the criteria I mentioned in my original comment may receive a dividend which is based on Auto premiums paid from 5/1 to 5/1 of each year. For example, if someone paid $1200 in auto premium from 5/1/22 to 5/1/23 and the approved dividend is 3.5%, then they would receive $42 dividend in December of 2023.1 Best answer. AnnetteB. Intuit Alumni. No, it is considered to be a return of premium (like a rebate), so it is not taxable and would not be included on your tax return. …Upon 40 years of membership, there is an additional payout called the Senior Bonus which amounts to 10% of the SSA balance. This can be substantial. Null384874758. • 9 mo. ago.The Senior Bonus amount should be 10% of the amount in your Subscriber Account. Not sure there is any relation to the regular distribution as that amount …I used it to reduce my premiums. This was about 4.5% of my account balance in Feb 2009 or 10% of gross premiums paid during 2009 ($1837) for P&C coverage. Not sure how they calculate it. In Jan/Feb I expect to receive another kickback in the form of a Senior Bonus Distribution (over 40 yrs).What Performance Bonus benefit do USAA employees get? USAA Performance Bonus, ... Current Senior Quality Specialist in Tampa, FL, ... Feb 2, 2023. 4 ★ ★ ★ ★ ★ Former Mortgage Underwriter I in San Antonio, TX, Texas. Fluctuated a bit...but still got paid. Helpful. Report.Adopting a small senior dog from a rescue can be a rewarding experience for both the pet and the owner. Not only does it provide an older pet with a loving home, but it can also br...Upon 40 years of membership, there is an additional payout called the Senior Bonus which amounts to 10% of the SSA balance. This can be substantial. Null384874758. • 9 mo. ago.To USAA-insured folks: Is the Annual Subscriber Account distribution taxable as unearned income? Now that they're throwing the senior bonus my way also, it's beginning to look like real money. Somewhere way back in my memory there is a little noise that says this is a transfer of asset that already has my name on it, therefore not taxed.Average salaries for USAA Audit Senior Manager: $160,085. USAA salary trends based on salaries posted anonymously by USAA employees. ... The estimated additional pay is $40,018 per year. Additional pay could include bonus, stock, ... Vacation & Paid Time Off ...Doing their math, 1976 + 40 years --> eligible spring 2016. Senior bonus (which is different from subscriber account) was paid out in 2016, 2017, 2018, and 2019. USAA gives the bonus as a discount credit on the auto insurance policy for the next renewal period. OR, if you ask them to, they will direct deposit it to your USAA bank …It’s not easy if you’re a senior facing a financial dilemma and you can’t make your mortgage payments. You might be on a fixed income and feel like there’s nowhere to turn. The goo...A Christmas Bonus of 100% will be paid during the week beginning 4 December 2023 to people getting a qualifying social welfare payment (see below). If you are getting Illness Benefit for 12 months or more, the payment date is different – you will receive the Christmas Bonus between 5 December 2023 and 22 …USAA paid a record $1.5 billion in distributions, dividends and bank rebates and rewards last year to its customers, Lehman said. That was up from $1.3 billion in 2012. [email protected] estimated total pay for a Senior Product Owner at USAA is $151,148 per year. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $133,656 per year. The …Feb 6, 2018 · That didn't end up being true. Has great performance bonus and Director level can get 20% of salary. Bonus is dependent on overall performance for department and company. In my experience, it was average. Based on performance, so not very reliable. Percentage 10%-20% based on performance. Standard holidays on the P&C side. Bank side likely gets a few more bank holidays like Columbus Day. Pretty standard with the industry. Standard, no Juneteenth. Not banking banking hours in corporate. All employees get 7 days of paid holidays.USAA Senior Bonus. Thread starter Rockriver; Start date Feb 20, 2018; Prev. 1; 2; First Prev 2 of 2 Go to ... for an insurance claim on a rental house's roof of mine was like $1,000 less than the cost of a replacement roof I paid for (through a family connection at a ... So the way USAA is structured, insurance members are bought in ...Doing their math, 1976 + 40 years --> eligible spring 2016. Senior bonus (which is different from subscriber account) was paid out in 2016, 2017, 2018, and 2019. …SAN ANTONIO - USAA -The country’s fifth largest property-casualty insurer, is returning an additional $270 million dividend to auto insurance policyholders. This follows earlier …USAA offers a defensive driving discount that seniors can qualify for, though the discount is available to drivers of any age. Like most insurance companies, USAA does not have a senior discount that automatically lowers rates for all older drivers. In addition to the defensive driving discount, USAA has other ways for senior drivers to save.The average Senior Auditor base salary at USAA is $121K per year. The average additional pay is $14K per year, which could include cash bonus, stock, commission, profit sharing or tips. The “Most Likely Range” reflects values within the 25th and 75th percentile of all pay data available for this role. Glassdoor salaries …Updated 08 Dec 2023 | Julie Provost. One benefit of being a USAA member is having your pay available early. Find and compare 2022 and 2023 military pay dates with USAA pay dates.Popular large print magazines for seniors include Reader’s Digest and Guideposts Large Print Magazines, each available with a yearly subscription from a magazine service such as Ma...The USAA Cashback Rewards Plus card is the best cash-back credit card USAA offers. Although you won’t typically get access to a welcome bonus, what you will get is access to up to 5% cash-back in rewards: Earn 5% cash-back on your first $3,000 in combined gas station and military base purchases yearly.The average Senior Financial Analyst base salary at USAA is $105K per year. The average additional pay is $12K per year, which could include cash bonus, stock, commission, profit sharing or tips. The “Most Likely Range” reflects values within the 25th and 75th percentile of all pay data available for this role.USAA Senior Bonus. Thread starter Rockriver; Start date Feb 20, 2018; Prev. 1; 2; First Prev 2 of 2 Go to ... for an insurance claim on a rental house's roof of …The Senior Bonus amount should be 10% of the amount in your Subscriber Account. Not sure there is any relation to the regular distribution as that amount …The average Senior Auditor base salary at USAA is $121K per year. The average additional pay is $14K per year, which could include cash bonus, stock, commission, profit sharing or tips. The “Most Likely Range” reflects values within the 25th and 75th percentile of all pay data available for this role. Glassdoor salaries …USAA randomly sent me five $500 checks as "inconvenience payments" for apparently not following "state-level SCRA equivalents" on certain affected accounts going back a few years. I had no idea (didn't file a claim or contact them). Just …Open a USAA checking account. Set up a USAA Bank checking account for direct deposit of your military pay. You must also have at least one direct deposit of your military pay into your USAA Bank checking account to be eligible to apply. Apply for the Loan. Call USAA at 800-531-4610 to start the process.USAA’s internal controls are designed to reasonably ensure ... we paid out more than $2 billion to thousands of members to help them recover from a series of natural disasters. Non-catastrophe losses ... Senior Bonus distributions* 277 283 287 Subscriber's Account terminations 197 210 225 ...Feb 29, 2024 · USAA offers auto loans with terms up to 84 months. The type of auto loan you get depends on the type of car you choose: New car, used car, older, car. Once approved, your USAA auto loan approval ... USAA. In 1922, when 25 Army officers met in San Antonio, Texas, and decided to insure each other's vehicles, they could not have imagined that their tiny organization would one day serve over 8 million members and become one of the only fully integrated financial services companies in America. We believe they would be pleased to know that USAA ...Oct 11, 2023 · Set up and receive a qualifying direct deposit of $100 or more within 180 calendar days. Receive $200 bonus in your account within 60 days of your qualified direct deposit. Eligibility: Offer available for new USAA Classic Checking accounts from USAA Federal Savings Bank, also known as FSB, opened between October 11, 2023, and March 14, 2024. 1 Best answer. No, it is considered to be a return of premium (like a rebate), so it is not taxable and would not be included on your tax return. June 6, 2019 10:10 AM. No, it is considered to be a return of premium (like a rebate), so it is not taxable and would not be included on your tax return. June 6, 2019 10:10 AM.USAA pays out the Senior Bonus to members with 40 plus years (although it's not guaranteed for each year). I ditched USAA several years ago for auto and home, …The average Senior Financial Analyst base salary at USAA is $105K per year. The average additional pay is $12K per year, which could include cash bonus, stock, commission, profit sharing or tips. The “Most Likely Range” reflects values within the 25th and 75th percentile of all pay data available for this role.Dec 14, 2021 · Click on “+ View Distribution History” and that will provide a list of all of your subscriber savings distributions including for 2021. As others have said, the distribution amount is 4 percent of your 2020 balance. Mine is listed as $439.51, which is 4 percent of my 2020 balance of $10,987.75. Toukuss. MediSave top-up. Eligible seniors aged 65 and above in 2022 will receive GSTV – MediSave of $150 - $450 in August 2022. This will be credited to your CPF MediSave Account which can be used to pay for your hospitalisation expenses and approved outpatient treatments listed on the CPF website.. To …As seniors, it can be difficult to find places that are both enjoyable and age-appropriate. Whether you’re looking for a place to relax, have fun, or just get out of the house, the...You can change your Subscriber's Account distribution preference before Dec. 1 every year. If eligible, you can also update your Senior Bonus distribution preference until Feb. 1. Changes made after those dates will apply to distributions approved in the future. Log on to usaa.com to edit your preferences. In 2018, USAA achieved almost $2.3 billion in net income, slightly lower than 2017. This is after another devastating catastrophe season in which we paid out more than $2 billion to thousands of members to help them recover from a series of natural disasters. One option that some take is to apply the USAA Senior Bonus to their homeowner’s insurance policy premium, or auto insurance policy premium. If you would like to receive …The average USAA salary in the United States is $59,089 per year. USAA salaries range between $34,000 a year in the bottom 10th percentile to $100,000 in the top 90th percentile. USAA pays $28.41 an hour on average. USAA salaries vary by department as well. USAA salaries in the engineering department average $94,361 per year, while …USAA Senior Bonus. Thread starter Rockriver; Start date Feb 20, 2018; Prev. 1; 2; First Prev 2 of 2 Go to ... for an insurance claim on a rental house's roof of …USAA randomly sent me five $500 checks as "inconvenience payments" for apparently not following "state-level SCRA equivalents" on certain affected accounts going back a few years. I had no idea (didn't file a claim or contact them). Just …Set up and receive a qualifying direct deposit of $100 or more within 180 calendar days. Receive $200 bonus in your account within 60 days of your qualified direct deposit. Eligibility: Offer available for new USAA Classic Checking accounts from USAA Federal Savings Bank, also known as FSB, opened between October 11, 2023, and …Feb 25, 2024 · The estimated total pay range for a Senior Auditor at USAA is $120K–$154K per year, which includes base salary and additional pay. The average Senior Auditor base salary at USAA is $121K per year. The average additional pay is $14K per year, which could include cash bonus, stock, commission, profit sharing or tips. The “Most Likely Range ... The bonus for last year, which employees will receive Feb. 7, is the smallest since USAA awarded a 13.5 percent bonus for 2008. Eligible workers receive the bonus as a percentage of their base ...USAA Senior Bonus. Thread starter Rockriver; Start date Feb 20, 2018; Prev. 1; 2; First Prev 2 of 2 Go to ... for an insurance claim on a rental house's roof of mine was like $1,000 less than the cost of a replacement roof I paid for (through a family connection at a ... So the way USAA is structured, insurance members are bought in ... U.S. Department of Veterans Affairs (VA) at (800) 827-1000 if the military retiree received disability compensation. VA at (800) 669-8477 for retirees enrolled in a VA-sponsored life insurance policy, such as Veterans’ Group Life Insurance or National Service Life Insurance. Office of Personnel Management (OPM) at (888) 767-6738. Get a $50 bonus from Victory Capital when you open a qualifying USAA 529 Education Savings Plan account and invest $200 a month. ... Know the basics for investing and retirement. At USAA, ... Additionally, there is a …Oct 29, 2023 · The estimated total pay range for a Senior Financial Analyst at USAA is $102K–$134K per year, which includes base salary and additional pay. The average Senior Financial Analyst base salary at USAA is $105K per year. The average additional pay is $12K per year, which could include cash bonus, stock, commission, profit sharing or tips. Subscriber Accounts Are No More. Received a subscriber account close out check in the mail today. The letter with it said that the new insurance underwriter was not allowed to maintain an account that collected funds so by law USAA had to close out member subscriber account and refund the balance of the accounts.USAA Preferred Cash Rewards Credit Card. USAA Preferred Cash Rewards Credit Card is a good cash-back option for current and former military members, as well as their spouses and dependents. While it lacks any welcome bonus or exclusive perks, this card offers a no-frills experience with unlimited 1.5% cash back on purchases and no …USAA paid $1.6 billion in distributions, dividends, and bank rebates and rewards last year to its customers, Johnson said. That was up from $1.5 billion in 2013. AdvertisementOct 29, 2023 · The estimated total pay for a Senior Property Adjuster at USAA is $96,199 per year. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $87,788 per year. The estimated additional pay is $8,411 per year. USAA Cornerstone Aggressive Fund USAA Target Retirement 2040 Fund. Record Date. Ex Date. Pay Date. USAA Cornerstone Moderately Aggressive Fund. USAA Target Retirement 2050 Fund 3/22 3/23 3/24 USAA Emerging Markets Fund USAA Target Retirement 2060 Fund 6/24 6/27 6/28 USAA Extended Market Index Fund 9/19 9/20 …Average salaries for USAA Senior Financial Analyst: $97,583. ... The estimated additional pay is $17,240 per year. Additional pay could include bonus, stock, commission, profit sharing or tips. ... Vacation & Paid Time Off (141 comments)Begin your journey with a USAA Career Starter Loan. Log on to check your eligibility or call us at 800-531-4610. ... You can use the money for personal expenses like paying off transition expenses, consolidating high-interest …Mar 24, 2022 · USAA’s insurance divisions, which are structured as separate companies, paid a total of roughly $24.5 million to the executives, slightly less than in some past years. Peacock’s reported insurance-related compensation dropped almost $17,000 from 2020, which was his first year at the top post. The following is an example of how to compute overtime pay based on the employee’s regular rate: $10.00 per hour x 43 hours = $430.00 (total compensation for straight time) $430.00 + $50.00 (excludes $25.00 discretionary bonus) = $480.00 (total compensation) $480.00 ÷ 43 hours = $11.16 (regular rate)19 May 2017 ... ... senior management responsibilities, as defined by the Senior ... The annual bonus payment consists of a multiplier, assigned to the individual's.For example, the USAA SafePilot program offers up to a 10% discount when you enroll, and up to 30% off your premium when your policy renews and your discount is calculated. See note 1. After any discount is applied, your driving score resets and you have a clean slate to begin the next period until your policy renews again.Standard holidays on the P&C side. Bank side likely gets a few more bank holidays like Columbus Day. Pretty standard with the industry. Standard, no Juneteenth. Not banking banking hours in corporate. All employees get 7 days of paid holidays.On August 25, 2023, the United Services Automobile Association (USAA) will convene its annual members meeting to re-elect the CEO and Board of Directors. For over 100 years, USAA has provided insurancAnnual average rates for drivers with a DUI are similar, averaging $1,949 with USAA and $1,974 with American Family. But we found the biggest difference for drivers with poor credit. Rates in that ...Starting an adult daycare center can be a rewarding experience, providing a valuable service to seniors and their families. However, it can also be a complex process with many step...USAA offers a senior bonus if you have been a member with them (with an insurance product) for 40+ years. A senior bonus is 10% of your subscriber balance returned to you, tax free.tomd37 wrote:Best I can calculate, my USAA subscriber account (SA) refund amounted to about 6.4% of the annual premium totals I paid USAA for the four types of insurances I have with them.In addition to that, and as a result of the length of my membership (more than 40 years needed to qualify), I received an additional 10% refund …As we age, our bodies can become more prone to constipation. This can lead to uncomfortable feelings and a decrease in our quality of life. Fortunately, there are daily laxatives a...USAA gives you an extra pay check before Christmas. Free sub-par coffee Annual bonus (but it'd be nice to get that disbursed divided by your pay checks) 8% 401 (k) match..but you gotta starve to put that much in Decently fast internet to job surf or update your LinkedIn & indeed accounts w/ your most current resume.Feb 29, 2024 · USAA offers auto loans with terms up to 84 months. The type of auto loan you get depends on the type of car you choose: New car, used car, older, car. Once approved, your USAA auto loan approval ... The estimated total pay for a Senior Property Adjuster at USAA is $96,199 per year. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $87,788 per year. The estimated additional pay is $8,411 per year.3.7K reviews. 5.3K salaries. 437 job openings. The average USAA salary ranges from approximately $43,574 per year for Senior Customer Service Representative to $100,990 per year for Retentions Advisor. Average USAA hourly pay ranges from approximately $16.00 per hour for Customer Care Specialist to $20.66 per hour for Member Services ...Crossover vehicles are sporty and fun to drive. They’re also a great choice because of their safety features and reliability. Today’s seniors are choosing crossovers because of the...The estimated total pay for a Senior Software Developer at USAA is $151,340 per year. This number represents the median, which is the midpoint of the ranges from our proprietary Total Pay Estimate model and based on salaries collected from our users. The estimated base pay is $129,701 per year. The …Adopting a senior dog can be a rewarding experience, but it’s important to find the right fit for your home. Small senior dogs are often overlooked in shelters and rescues, but the...The senior bonus is paid out after you have 40 years of USAA membership and represents an additional payout of 10% of your SSA balance. For me that will be somewhere north … | ohwhawswuirc (article) | bnbbmcs.