Targeting: When playing as a FO, look for the blue arrows to lock on a target when you get into adequate range, some techs like Megid or Grants will auto target, others like Rafoie or Razonde hit a very wide radius of an area. With single targets as a RA or HU to aim a direct fire weapon, look for red arrows, use the left or right arrow keys to cycle through targets, lightly tap your arrow key to select the desired target.
Ahhh Meseta... Your best bet is to try to catch a GM opening up a meseta room, there they will drop stacks of 999,999 meseta where you can load up your characters and banks. Sometimes they will use a GM TO ALL at the top of the screen to let everyone on the server know the room is being opened. Otherwise, pick up every bit of meseta you can see and try to hit every box you come across to build up your funds till then, maybe some more veteran players will drop you a stack or so of some meseta? Never hurts to ask, if you can find me in game I'll give you a few 100k of meseta to help get you going.
Hope this helps, good luck!