Q: Do I need to get a Social Security Number (SSN)? When and how can I get it?

A: You will not require SSN before coming to the U.S.A. One may obtain an SSN only if one is
working. In student context, working refers to having an on-campus job or assistantship. (These
are the only legal ways of working in the U.S.A., at least during the first 9 months of your stay, after
which you may obtain permission to work elsewhere.) You would get the necessary paperwork at
your place of employment.

To be eligible to work at UNCC, you need to first get something called as a blue card from the
ISSO. To get this, youll need to attend one of the many tax orientation and on-campus work
sessions the ISSO conducts, after which youll need to get all your documents re-checked. Please
take your UNCC I-20, passport, visa, I-94 card and job offer letter (if any) with you when attending
any of these sessions. Without these documents, a blue card will not be issued to you. Once you get
an offer letter and attend one of the above mentioned seminars, youll need to go again to the ISSO
to fill in an I-9 form within 72 hours of getting your offer letter. After that is taken care of, you will
need to take your offer letter to Tracy Worthey at the Students Employment office in the King
building on campus. She would then type up an official letter authorizing you for employment at
UNCC. This you will have to take with you to the Social Security Administration office along with all
your original documents (and an address proof, such as the electricity bill or a bank statement that
shows your name & current address in Charlotte) to apply for an SSN.

Living
Most students share apartments off-campus. Finding accommodation is not a problem but you must
arrive here at least a week in advance so that you can get settled well before classes begin. Get to
Charlotte preferably about a week before your first orientation. If you are somehow, unable to
attend the orientation(s), make sure you send a mail to the ISSO and the Graduate School to get
their views on it. Regarding food, there is an Indian grocery store, Gandhi International Market, in
the area where all essential food items are available. If you decide to bring any food with you (e.g.
pickles, spices etc.), make sure that it is securely packed. US Custom officials will not allow any
improperly sealed items.
If you are not a great fan of cooking, it is not a bad idea to learn a bit more about cooking. From a
practical standpoint, it may not be possible for you to go out and eat every day. So you will be
surprised to find yourself cooking more often! Its time to appreciate cooks in your house in India,
folks!!
Clothing
Clothes are relatively expensive here, so make provision to bring sufficient clothing. You need a
heavy jacket and sweater for winter. The jacket could be bought here since most Indian jackets are
not sufficient for the harsh winter. Students dress casually when they go to school (jeans and Ts).
However, there are a few occasions when formal dressing (suit, formal shoes etc.) are necessary.
Do not bring too much of formal wear since you won't be using them too often here. You may want
to bring a bed-sheet (bedspread) or two. You do not need to bring any pillow-covers
(pillowcases) as the bed linen is of a different size and type here. Usually, you will fall into this
convenient cycle of washing clothes in two weeks, on an average. So bring sufficient undergarments
(very costly out here). At least the best thing about Charlotte is that most apts. Here have a
washer/dryer in the unit itself, so you dont need to worry about going to a common Laundromat or
keeping lots of spare change around with you everywhere you go.
Medical
Medical expenses are very high here in the US. Try and get a complete medical checkup done and
bring your medical records along. This is especially important if you are currently being treated for
any medical condition. If you are currently under medication, bring the prescription and a sufficient
quantity of the medicine along. If you wear glasses, bring an extra pair with you. Also, get the
prescription for your eyeglasses. Have any dental work completed before you arrive. Eye care and
dental care are very expensive here.
Please be informed that your SSN application shall be delayed in processing if you apply for it within
the first three weeks after you landed in the U.S.A! This might sound strange, but please do
remember this when you apply! (SSN processing generally takes 2-4 weeks in any case.)

Q: What do I lose if I do not have an SSN? Or what do I gain by having one?

A: This is something that is not easily explicable at this stage. Getting an SSN as early as possible is
necessary; most official business in the U.S.A. runs based on SSN, as that is a unique identification
for an individual. SSN would be the primary id for what is called ones credit history; a good credit
history is constantly necessary while you are in the U.S.A.

Q: What can I bring when I come there, and what not?

A: Below is a consolidated list of things to bring. Remember to maintain your baggage within the
weight limits as required by the airlines you travel. Otherwise you may have to pay huge sum after
you arrive here (at the port of entry). Usually, the limit is 23 kg (50 pounds to be exact) each, in two
suitcases, and 8 kg in a cabin bag. (There are fixed standards for the size of this bag too!) It is
always recommended that you should check with the airline authorities to know about particular
luggage limitations, since these are frequently changed by several regulations.

Remember always: BE CAREFUL with ALL your documents all through your travel. The following
documents are quite important for a peaceful stay in the U.S.A:

Original Form I-20.
Original Passport with valid F-1 Visa.
Original Form I-94 (Do not ever remove it, it is stapled to your passport! This document is
more important than the passport itself!).
Demand drafts, Travelers Checks, and currency.
Any sealed documents that the US Consulate gave you.
Other important documents, such as previous academic records.
Vaccination Certificate.
Letter of admission/financial aid (if applicable).
You must keep them with you at all times during the flight. Also, make copies of the relevant
documents and keep one set at home. Carry one set and the originals with you along with
essentials including a pair of clothes in your carry-bag in case the luggage is delayed at the
airport.

Q: I plan to get my mobile phone from India. Is that advisable?

A: Do not plan to bring your mobile phones here! Please be informed that not all mobile phones from
India work here since the operating frequency might not be supported! Also, in the USA, prepaid
mobile is a lot expensive, and limited, option, while post-paid plans are generally available with
decent and state-of-the-art phones for low cost or for free! In any case, getting a mobile here is not
recommended.

To be eligible for a post-paid mobile connection which does not need a deposit, you will need to have
sufficient credit history. You can get a mobile phone on a seniors or a relatives Social Security
Number (SSN) and later transfer the phone when you build your own credit. Another option would be
to get a credit card as soon as possible and do all your purchases on it for one month. After you pay
your first month bill, you should be able to get a mobile (without any deposit) on your own SSN. You
can check whether you need a deposit by trying to order a phone online by filling out all the required
details. It will inform you if you need to pay a deposit. If your order is accepted, then you do not
need a deposit.
Q: My travel agent mentions port of entry all the time. What is it anyway?

A: The first place you land at in your destination country is called the port of entry. Here, you
check out all your baggage. (You would not need to check your bags anywhere before the port of
entry, once you board an outbound flight from India. Your baggage follows you without your
intervention, only till the port of entry.) Even if your bags are checked until a later destination, your
bags must be claimed in your port of entry without fail. You would face the Department of Homeland
Security/Immigration/Customs authorities at the port of entry. You would need to go through some
major formalities here, like the customs check of baggage, getting the Form I-20
stamped, getting fingerprinted, etc. You will receive instructions regarding other formalities while in
the plane before you reach the port of entry. (Listen attentively! And, if you do not receive any
instructions on how to fill the forms, ask co-passengers and/or the flight attendants.)

You may have to wait at the port of entry for a few hours for your connecting flight to your
destination. See that there is a minimum gap of 4-5 hours before your connecting flight out of the
port of entry, to be on safer side. Formalities at the port of entry consume more time than normal,
with many students landing around this time of the year. Hence, plan properly rather than miss your
connecting flight and cause trouble and tension to yourself and others. Remember to carry your
baggage all by yourself (not literally, of course) from your port of entry to your final destination. You
may have to spend $1 to $3 for a cart/trolley (Smart-Carte, it is usually branded as) at the port of
entry have $1 currency notes handy.

Q: What is this Immigration Clearance at the port of entry?

A: The first thing you need to go through at the port of entry, after landing, is the immigration and
customs clearance, after which you may board a domestic flight to reach your final destination.
Before getting down at your port of entry, while you are still in the plane, you will be given two forms
to fill up Form I-94 (a long, white form) and a customs declaration form. Please keep the Form I-
94 document very safe. It is more important than your passport, and you are required to keep it safe
as long as you are in the U.S.A. On alighting from the plane, you may ask people or follow signs to
get to the Immigration Clearance. Keep handy your passport, and the customs clearance form and
the Form I-94 that you filled inside the plane. Generally, you do not have to declare anything. (That
is, you write that you are getting dutiable goods of zero value; of course, if you are getting any
dutiable goods, declare, and if you are not sure, ask someone.) Once you hand over the customs
clearance form before reaching the counter for Immigration Clearance, keep your Form I-20 handy,
along with your Form I-94 and the passport. There can be a long queue at the Immigration
Clearance counter. If you do not have a lot of time for your next flight, request the people in the
queue or the Department of Homeland Security staff at the queues you may be able to bypass the
queue. (If you are a group of people, it is, of course, not fair to ask to let the whole group by pass!)
At the counter, present your passport, Form I-20, and Form I-94. Both the Forms shall be duly
stamped and returned to you. Only one part of the Form I-94 will be returned, and this is the part of
the Form that you need to carefully keep with you until you leave U.S.A! You might be asked some
questions about what things you are bringing, etc. Do not lie. Give factual information to the
Immigration Officer. Remember to identify, collect, and check out your baggage at the port of entry.

You might essentially need your Passport, Admission Letter, Form I-20, Form I-94 (after you receive
it), and Vaccination Certificate (issued by your doctor) when you disembark at the port of entry.
Keep them all handy, on your person. It is safe to carry by yourself your cash and monetary
instruments (drafts, checks, etc.).

Q: Now, how do I make a phone call?! Is there someplace in the airport that I can call
from?

A: All airports have public telephones at various locations. You would need money in small change
(coins) to make a phone call. If you have currency notes, you can probably get some change in any
store in the airport or at counters that sell foreign exchange. Some airports also have wall-mounted
machines that give you coins if you deposit currency notes look around, or ask someone. Even if it
might cost you a bit, please understand that you would save a lot more money (see above) if you
call! If you have friends/family in the U.S.A, you may ask them to buy you a calling card for calling
within the United States, and ask them for information on using the same to place a call. Remember
to get the calling card before you leave India, and carry the details of the calling card with your
essential documents (and do not just leave it stored in an email!)

Q: Do I pay any taxes as a student?

A: As may be understandable, you file taxes only when you earn something, i.e. through on-campus
jobs or assistantships.

For any position stated above, a federal tax of $33 and a state tax of $3-10 (depending on the actual
salary) are deducted per month. Students earning less than about $8000 a year need not pay any
taxes; all the taxes deducted during the calendar year may be re-obtained by filing (federal and
state) IT returns before the end of the fiscal year (in April). Thanks to the tax treaty with the USA,
Indian students may choose not to deduct any amount from their monthly salary. However, no
students generally choose to do so, since the deduction per month is meager but the tax refund as a
lump-sum would be considerable.

List of things to be brought:

The following list has been generalized to meet the requirements of students hailing from various
geographic locations of India (mainly demarcated as North and South India). Specific comments are
made as and when necessary. Needless to say, our family can be a good guide for us in such matters
as this.

Remove the batteries from all your electrical appliances such as calculators, clocks, shavers or you
will be forced to do it at the airport.

Where to put stuff:
All your original documents must be in your carry-on luggage in a harmonium folder.
Photocopies of all original documents must be in each of your check-in bags.
Expecting the worst, you should have enough stuff in your carry-on luggage to survive for a
day if both your checked-in bags get lost.
Leave sufficient photocopies of all documents especially i20, passport and mark sheets at
home.
Most important - Textbooks
Fill up all your text books first before anything else.
In terms of absolute value, these are the most important and also very expensive here.
Even if you get excess books it will be worthwhile.
Don't compromise by leaving your books behind.
Get a copy of your syllabus along, as sometimes you may end up having prerequisites and
you could waive it by proving you have covered such topics as usually the course
requirements maybe covered by parts in the courses we do.
1) Kitchen & Food

In most cases, mothers would be the best judges for this section, so fortunate for us.

a) Pressure cooker (3litres/5litres): If you have decided about your roommates in
advance, plan to get ONLY ONE OR TWO (two being the maximum) pressure cookers
for the apartment. Almost all students tend to buy an electric rice cooker in the U.S.A.
soon after they land; it is not very expensive, and it proves to be a good and
reasonable investment. A pressure pan/cooker which can accommodate an idly stand
might be an ideal choice for students who might want to make idlies. An alternative is
to get a microwavable idly-stand, which is made out of plastic & cannot be used in
anything except a microwave oven. Do not forget to get 2-3 spare gaskets and/or
safety valves or other wearable/replaceable parts that suit the pressure cooker you
may bring.

b) Utensils: You can buy a good set of steel/nonstick utensils (that can be used for
cooking) in the U.S.A. for a reasonable price. If you prefer to get some utensils from
India anyway, get at least some vessels of various sizes to store and to cook food (1
small/medium kadhai), and (meals) plates (Melanin microwavable eating plates,
important - can buy here also) and tumblers. You may also get at least, but not more
than, a few spoons (2-3 small size, 2 big spoons/serving spoons), 2 wooden stirrers, 1
serving ladle, 1 strainer spoon for deep frying, plastic soup bowls, coffee mugs and
some forks. If space/weight is a constraint, reduce the number of utensils you carry
you may buy them after settling in.

Avoid getting steel utensils since they are painful to clean, most students here use
non-stick pans which cost about $20 here. Non stick utensils can be purchased from
WALMART store at a nominal price of 10-20$.

It would be a good idea to get in touch with your future roommates and decide upon
the utensils. Almost everything else is available and it would be a sheer waste of space
packing in too many utensils.

c) Raw materials for cooking (ask your mother or whoever might cook):

(Please note: When it is said as per preference, it means that the items enlisted are
unavailable except in Indian stores; see the note above.)

i) Do not bring rice, not even in small quantities.

ii) Sambar/Rasam powder may be brought as per preference, quantities ~1 kg each.

iii) Tamarind (1-2 kg, preferably seedless) and/or tamarind paste might be necessary.

iv) Haldi/Turmeric (250 gms), hing/asafoetida (20-30 gms), etc. might be necessary
for at least a few students.

v) Mustard seeds (raee), cumin seeds (jeera), etc., would be among the necessary
commodities for a few sections of students. Around 0.5-1 kg of each should meet a
moderate requirement.

vi) Dried curry leaves might be a good choice for some; they do not take up much
space or weight. If you are bringing this, make sure the leaves are thoroughly dry
before you pack them, as even little wetness can attract fungus. (Coriander can be
bought locally!)

vii) Some students may also want to get coriander and cumin powder(s) (available as
a mixture of both too), quantities ~1 kg, and cardamom (elaichi), cloves, papads
(2-3 packets), etc.

viii) Get all the pickles (if you bring this, make sure that the packing is good and
leak-proof), chutneys, or edible powders and 5-6 packets of masalas (Garam
Masala, Meat Masalas, whole spices or Khara Masala, Chole Masala -
recommended, because chole is cheaply available here and is cooked frequently,
Pav Bhaji Masala - recommended, because fast to cook) as you can. (There is
always a risk of they getting left out at the port of entry or somewhere in the
transit because of restrictions on the type of luggage you bring in, but that is really
very rare you do not need to declare any food items such as these.)

ix) Get rava/suji/poha and small packets of salt, sugar and red chilli powder, since
they are very useful in the beginning.

x) Do not get noodles. Students following vegetarian diet might prefer to carry a few
packs of masala ("Tastemaker" as referred to by Maggi) though, as vegetable
noodles are not common here (Maggi or Top Ramen noodles can be bought
from Indian stores), but the masala can be added to any locally bought noodles.

d) Miscellaneous: Grater, a small chopping board, a pair of kitchen tongs, sieve (for
atta/flour), tea/coffee filter (personal choice), and knives (good ones can be bought
here as a set, esp. if you also use knives for non-vegetarian food) can be considered
as optional stuff you might want to get. A peeler can prove to be useful anyway.

e) Make sure you do not carry any knives or peeler in your cabin baggage! Do not bring
any electrical appliances, as they do not fit in the electric sockets here and do not work
at 110 V.

f) You might need deep fry pans or flat pans for your use in the kitchen. (Nonstick
cookware is the best choice!) Remember that all your cookware should be useful to
cook for 4 persons at a time, without mentioning any guests. You may buy one after
you land here, if you cannot accommodate one in your baggage.

g) Sweets & Savories: Remember that you cannot really store such fast food for long, not
because of the weather conditions but because of the temptation to eat them off. Of
course, students might still want to get some, and more commonly parents might want
to send some! Keep them coming, you would find many thankful souls too. But save
your luggage space for something more lasting, say, pickles. And, also be informed
that sweets or any foodstuff may be disallowed anywhere on the transit when your
bags are scrutinized.

h) Bringing a cookbook will be of help.

i) Most of the spices and lentils (dal) that we use in India are available here at the Indian
grocery stores.

j) It would be a good idea to bring with you some ready mixes (eg. Idli, dhoklas, gulab
jamun).

k) Don't go overboard in stuffing your bags with food items.

2) General Wear:

a) Get more casual dresses, like T-shirts, jeans, cargos, khakis, etc. (Regular fit is the
best for guys. Avoid tight-fits/bell-bottoms if you do not want to stand out from
others!). 10-15 T-shirts/casual shirts, and 5-8 trousers/jeans are a minimum
suggested lot.

b) Students tend to buy more apparel locally over time, for nominal expense at clearance
sales and/or discounted prices.

c) Formals are rarely worn! Plan on bringing full sleeved and half sleeved formal shirts
depending on your personal choice. You need not get more than a few pairs of
trousers. A suggested maximum is 5 pairs.

d) Get 1-2 ties; a blazer/suit is optional. (Either a blazer or a suit is recommended.) If
you are getting a blazer, get a matching tie and suitable formal trousers that can go
with the blazer. If you are getting a suit, get a matching tie. Take care that your
formal shoes would look fine with the rest of the formal attire. A business-style black
suit is recommended, if you are considering bringing one.

e) Shoe polish and shoe polishing brush for formal shoes.

3) Seasonal Wear:

a) A leather jacket is not suggested for protection from weather. Get a stuffed jacket, but
without fur on the outside (rather, the "inner" outside)! (These might be bought from
Nepali/Tibetan sellers by the roadside in bigger cities, or even in showrooms, of
course!) The bottom line is get something to serve for both cold and rain cause here
it rains and becomes cold. Not much snowfall (unlike a not-very expensive leather
jacket or a fur-covered jacket. Gents do not wear fur coats anyway, particularly in
these parts of the country! Fur tends to get damp in winter/rainy climate.) Wear the
jacket in the flight it not only increases your luggage carrying space but also might
be necessary for somewhat low temperatures you would feel inside the flight!

b) (Specialized) Thermal wear is NOT necessary. Get a sweater or two. Get a monkey cap
that covers a majority of the face it is definitely a requirement on some cold windy
winter nights. Get a pair of gloves too; you may want them to match with your jacket
(NOT woolen - You can buy them here for approx. $5).

c) Windcheaters may not be necessary, especially because rain/wind is generally cold and
these can be substituted with the jacket you would bring.

4) Miscellany:

a) Get at least 1-2 pairs of traditional (Indian) dress. Remember that there would be
more than a few occasions a year where you might have to represent your culture.
And you might prefer not to repeat the same attire on all such occasions.

5) Most students do their laundry once in a fortnight, or even less frequently! Apply this
estimate to all the garments you bring, including miscellaneous items like socks,
kerchiefs, undergarments, etc.

a) Get a pair of formal leather shoes (black, preferably, but choose the color according to
the shades of formals and/or blazer/suit you would get; we recommend that you bring
it from India, they might be expensive here) and/or a semi-formal pair of shoes that
can serve dual purpose. Apart from that, get a pair of sneakers/sport shoes for regular
use. Sprint shoes, canvas shoes, or other special purpose shoes may be bought here
as per personal preference. We suggest you get 1-2 sets of slippers/sandals to be
worn on your ethnic dress, and 1-2 sets of regular slippers.

b) Get 2-3 belts that might be necessary for all your pants/trousers - broad ones for
jeans, narrow ones for formals, black, brown, etc. as per preference. Offering a
comparison, good leather belts in U.S. cost a minimum of $10 each!

6) Assorted Hobbies:

a) Do not neglect your hobbies; you would regret later when you feel bored, and that is
going to happen too often, particularly when the school is not in session!

b) Get any portable (literally as in able to be carried) sports/games-related items like
chess board and coins (Chess boards and coins may also be bought in the U.S.),
swimshorts/swimsuits and swimming goggles (absolutely essential if you want to swim
chlorine in the pool is in higher content than in India) and swimming cap, table-
tennis/tennis racquets, etc.

c) For other hobbies like painting or music, bring stuff that you cannot get here easily or
inexpensively, which includes the likes of paintbrush set, paints, mixing template,
charts (yes, if you can roll them up in a carrying case!), etc. (You can buy pencils and
erasers here, of course!) or flute (a set of flutes, rather which flutist would carry only
one flute?), a small violin, etc. Collectors of stamps, coins, currency notes and the
likes may want to display some Indian stuff to foreign friends you might soon make
here. You may also put the collection to display on more than one occasion a year,
when there are international events on the campus.

d) If you have any certificates pertaining to your hobbies, at least get a few prominent
ones; sometimes, they might fetch you some kind of funding in remote places such as
the School of Art.

7) Stationery:

a) Get the textbooks listed in the profile for your major. If there is no profile or if there
are no textbooks otherwise mentioned, that might mean that you would not find any
textbooks that can be bought from India.

b) Get Reynolds pens or any pens (in bulk quantities, and remember to preserve them!)
that you might prefer to use. (Reynolds might be called "The pen that the world
prefers" but is not seen much in the U.S.A, unfortunately!) If BiC or PaperMate are
your choices, you would, of course, not need to get any, as they are U.S-based
brands!

c) The punching used for papers (for filing) is of 3 holes here unlike 2-hole punching in
India. Thus, avoid getting files and punches, and you can buy the corresponding things
here! Of course, you may get zipper folders in which you do not necessarily punch and
file your documents!

d) Stapler, staples, glue stick, adhesive tape, bonded/clutch pencils, lead box (0.5 mm),
erasers, steel ruler, etc. may be carried or may be bought here for a comparable price.

e) Notebooks would not be necessary to be brought from there, unless you prefer for
some reason; they are reasonably priced here. Plain papers for fair/rough work are
absolutely unnecessary. You would get them for comparable prices here.

8) Toilettery:

a) Get a mug for use in the bathroom. You may not need a bucket anyway, and if need
be, you may buy a pail here.

b) Get soapboxes. Soapboxes are not very uncommon in the stores here, but the
soapboxes in the U.S.A. do not generally have drain outlets for remnant water after
use!

c) Tongue cleaners may be classified among things that are not available in the U.S.A.
Get about a half a dozen to dozen tongue cleaners, depending on the type/material of
tongue cleaners you prefer to use. Do not carry metal tongue cleaners in the cabin
baggage if it is sharp, it can be considered as a security threat! (Yes, there were
such cases in the past!)

d) Talcum powders and hair oils are among the rare commodities here, unfortunate for
some! Get your choicest ones, even if it is the seemingly "most common" Parachute
Coconut Oil or Denim Talc. (Well, actually, you would not get coconut oil for your hair
anywhere than in an Indian store, though something similar might appear with a
strong odor in local stores!)

e) One can buy ones bath soaps, shampoos/conditioners, toothpastes, toothbrushes,
shaving foam (or a shaving gel/cream), razor/cartridges, nail cutter (dont forget
this!), talcum powder, deodorants/perfumes, etc. here or there. The costs are not very
different (Though in most cases, prices for all these might be just a bit cheaper in
India even if for U.S-based brands!). If you have been loyal to particular brands, you
might want to carry a few numbers of each of those for initial use. You may not ever
need a detergent cake while you are here, though you might want to carry one. Do not
carry detergent powder; liquid detergent is cheaper here!

9) Miscellany:

a) Get at least 2-3 pairs of prescription spectacles if you use them; as a comparison,
prescription glasses cost about $100 per pair in the U.S.A.!

b) Get any portable (literally taken) relics/memoirs that might represent your culture,
which can be useful for display on relevant occasions. As mentioned above, stamps
and/or currency can be a part of these too. The items can be specific to a remote place
in India or to a remote culture, or even common culture or place, of course! Almost
anything is welcome, but do plan to get something at all. Statuettes of gods and
goddesses, photographs of interesting places to visit, handicrafts, etc. may also be
brought for this purpose.

c) Get general medication that can serve as a makeshift first-aid kit. The best guide
would be a medical shop attendant or a general physician (or a family doctor, of
course). A sample list of medication that you might find useful is presented here:

Crocin/Disprin/Erythrocin/Sporadix/Cosovil/Febrex Plus (fever, and related ailments
such as cough, cold, and body-/head-aches), Baralgam (abdominal colic
pain/backaches), Avomin (air sickness), Avil (general allergies), Eldopar (to prevent
loose motions), Zandu Balm/Amrutanjan (body-/head-ache), Soframycin (superficial
wounds), Lotomil/Digene/Eno (digestion/gastric trouble), Band Aids, nasal inhaler
(Vicks), pain relief spray, antiseptic lotion (Dettol), painkiller tablets
(Combiflam/Brufen), burn ointment (Burnol), B-complex tablets and moisturizing
lotion (Vaseline/cold cream - highly recommended for winters).

d) International credit cards might be carried as a financial backup, but might not be
useful for all your purchases and payments. American Express card cannot be used to
pay fees, though it can be used for other purchases and expenditure. Please note that
a Visa Electron card (such as Viswa Yatra from State Bank of India) is not regularly
usable here, since there is a pay-per-use transaction fee for the same. Some may still
see the card as a safer way of carrying money; you may use it only once to transfer
all the money into your local bank account that you open here.

e) Do not bring any electrical appliances because the appliances here run with a different
electric socket/plug and at 110 V @ 60 Hz.

f) You may get as many audio/video CDs (of Indian movies or music) for your use. This
includes mp3 CDs that you might have burnt on blank CDs. Copyrighted or not, CDs
are not generally questioned about (by the U.S. Customs). However, do not declare
them unasked, and be informed that you may have to forego the collection if
questioned (You may try to convince them that is just a collection of all your legally
owned music/software.) Audiocassettes are okay, but videocassettes have a different
format in the U.S.A, as you may already know.

g) Get a headset (headphone, preferably stereo, with microphone) for voice chat with
parents and friends back home or just to listen to songs (even if you do not plan to
voice chat, get one with a microphone). Offering a comparison, a similar appliance
may be bought here for prices $12 and up.

h) Get 2 wallets that have enough pockets to hold credit cards that you have to carry in
future.

i) Get a college bag to suit your daily needs. Remember that the bag might have to
accommodate bulky books that you may carry from/to library or even large quantities
of printed out papers sometimes! College bags cost $10-$20 here. A wiser idea might
be to get a laptop bag instead, so that it can serve the purpose of a college bag, and it
can help you carry a laptop when you might eventually buy one. Make sure that the
bag can fit a 15.4 laptop (though you might prefer a 14.1 laptop anyway).

j) Get your photos. I do not mean passport-sized photos that you might seldom need
while you are here (until the time you are applying for jobs). You might want to
cherish the memories of home and family (and get nostalgic, sometimes).

k) You may want to get trivial things like extra buttons for your clothes, needles and
threads (black/gray, white, brown, etc. universal colors are enough), safety pins,
nail-cutters, scissors, mirror (a classic hanging mirror - a small one, about 8 x 4
should do), etc. Except the buttons, most other things can be bought locally too.

l) Get a couple of bed sheets/ pillow covers. Get slippers to wear around in the house.
DON'T get rugs/ thick blankets. You get good blankets (comforters/ rajais) here for
reasonable prices.

m) DO NOT carry hangers (they occupy a lot of space and anyway they are available here
for almost no cost)

n) Whether you plan to transfer or not, get extra sets of transcripts, letters of
recommendation, etc. that you might need if you need to apply to a different school.

o) Please bring all your original certificates of your Bachelors degree (and above). If you
have a consolidated marks memorandum, you may not need to bring individual marks
memoranda. Similarly, if you have your original degree certificate, you need not bring
your provisional degree certificate. You would not really need the certificates prior to
your Bachelors degree, but you may want to carry them anyway just so that you do
not forget where you put them in India.

p) Photocopying of books constitutes piracy. Get them at your own risk.

q) Copy of address book/telephone book/diary and contact list. Again, this is very
important. Store the full names, addresses and contact numbers of your acquaintances
in here, but most importantly it should contain addresses & contact numbers of your
seniors here at UNCC. Give a copy of those numbers/addresses to your folks back
home if you want to.

r) Medical history file.

10) Money:

a) Get travelers checks (travellers cheques, to sound more "Indian", or TCs) totaling to
around $2000. A suggested breakdown is as shown below.

$1000 x 1 = $1000
$500 x 1 = $500
$100 x 4 = $400
$50 x 1 = $50
$20 x 1 = $20
$10 x 3 = $30

b) Get currency of $500; you would not need more than this amount initially, before you
open a bank account. If you will, you may carry some more money in travelers
checks, which is as good as cash most of the time.

c) Try to get as many $20's, $10's and $5's as you can. They don't take $100 bills at
some places. And lower denominations will help you convert them to quarters (25
cents), dimes (10 cents) and nickels (5 cents) at the airport. It will also be easier to
pay at your transit airport (London/Paris/Frankfurt), in case you want to buy some
food, or call up your parents using a pay-phone.

d) There, apparently, is no practical limit of any kind on the amount that can be carried in
various forms, except as currency. However, if you are carrying more than $10,000 in
all currency and other monetary instruments, you are required to declare it when
you land. Do not forget to ask the flight attendants and/or the Department of
Homeland Security about it, if you are carrying amounts larger than $10,000. There
could be similar requirements set forth by the Reserve Bank of India, in order to allow
you to carry the same ask your bank about it.
Setting up a VOIP phone to make free calls:
If you have a broadband connection at home which does not require a software
dialer such as MTNL/BSNL then you can setup a VOIP phone service to call home
from anywhere in the world for free.

You will need:
2 x SIP compliant UNLOCKED phone adaptors (e.g. Linksys PAP2) (they are
about $35 each with shipping, and can be ordered in India from
www.ebay.com).
Register for two free accounts on a SIP based VOIP service provider such
as Gizmo5.
Configure both the devices with the two accounts.
Keep one in India and bring the other one to the US.
You can make completely free calls between the devices and without any
monthly fee.
tickets on time; flights are usually packed to capacity at this time of
the year. For a guide to selection of a good time and date please read this. Try and
travel in groups as this will simplify a lot of things such as taking care of baggage
when you want to visit the restroom.

the airline to confirm your reservation and to cross-
check everything the travel agent may have told you including your seat number.

meal preferences: whether you want Hindu Vegetarian Meal or
Hindu Non Vegetarian Meal or any other. Asian meals generally are Chinese. This can
be done at the time of booking the tickets with the travel agent.

Frequent Flier programs (e.g. Delta, Air France, United Airlines,
Lufthansa) implying that after a certain number of miles of flying with that airline
you get a free ticket. Enroll in such programs. Enrollment needs to be done before
you fly: check out the website of your airline to register.

leads to misplaced luggage. Some airlines don't take care about baggage transfer.
You may have to personally carry it (check this without fail while booking, and also
at the airline counter on the day of the flight, while checking in the bags).

Note: Do not carry any sharp things along with you as they are usually detected as
weapons. That include things like pairs of scissors and razors, youll be asked to
dispose of them before boarding. So unless you want that to happen, all those go
into your check-in baggage & not your cabin baggage.



becoming worse. Alcoholic beverages and caffeinated drinks are diuretics, which
cause you to lose water and should be avoided.

limit is 8 Kgs. However, its better to check with your travel agent regarding this.

Always keep a photocopy of your passport, tickets, I-20, and contact info of your
school/apartment in every piece of baggage including your cabin baggage.
original copies of your CA certificate, bank statements, sponsor's affidavit,
passport, admission letters, marksheets in your cabin baggage. Sometimes, the immigration
officials may ask you to present them at the airport.
The Day of the Flight:
As it is going to be a long flight, wear something comfortable - preferably
cotton - a full-shirt and trousers. Wear your shoes and a jacket.
Be at the airport at least 2 hours before check-in time.
Relax during flight, sleep as much as possible.
For vegetarians, watch out before you eat - for you may get non-vegetarian
food even if you had asked for vegetarian. Always ask about the food before
eating - if you are particular.
It you want something vegetarian, specify that you want "No Meat". They
may not understand if you say "Vegetarian" or "Veggie".
Never hesitate to ask questions. People are friendly and helpful.
But Trust No One. Be wary of strangers who appear to be extra friendly.
Drink lot of fluids to get over with the jet lag as soon as possible.
Walk around the aisle every two hours to prevent leg cramps and deep-vein-
thrombosis.
Do not joke irresponsibly on the flight.
In case your baggage does not arrive when you landed, do not waste too
much time hunting for it. Mention it to the airline representative and give
them a forwarding address with phone number where you can be reached.
They will take care of your luggage. In any event, do not miss your
connecting flight.
In case your flight landed late, or the onward flight is cancelled, it is the
responsibility of your airline to arrange for another flight. If the delay involves
an overnight stay, the airline will pay for your stay as well as for your meals.
Note: Please don't panic if it so happens that your flight arrives late and the
time for the connecting flight is too near (say, within the next 10-15 minutes)
for you to make it due to Immigration and Customs delays. Simply follow the
same actions outlined above and get your airline to arrange things for you.
Don't be rude, but be firm while dealing with the airline representatives. All
the best!
Port of Entry Procedures:
Before landing, the flight attendant will distribute Customs Declaration Forms
& Immigration Forms as mentioned below. Fill these out on the plane (you
will submit them to the appropriate authorities when you land). Do not
hesitate to take the flight attendant's help.
On the Customs form, you could indicate that you have nothing to declare &
that the total value of all goods you carry is $0.00. Also indicate that if you
are carrying grains and agricultural products as most of you will be carrying
rice, dals, etc.
On the Form I-94, the Port of Embarkation is where you left your country of
residence, or from where you got your first international flight. If you started
from Delhi, port of embarkation is Delhi. If you flew from Delhi to Mumbai and
then on an international flight, then port of embarkation is Mumbai.
After seeing your documents, the immigration officer will indicate length of
stay, university, etc. This will be attached to your passport. You must retain
this I-94 form, else you will face trouble in leaving USA later. The I-94 stays
with you all throughout your stay in the US. It's taken back when you leave.
Form I-20 ID copy - all transactions regarding your non-immigrant status will
be recorded in this form. This should be retained at all times (not surrendered
when you temporarily leave the US). Your admission number will be given -
memorize it & note it elsewhere.
Just before you land, the correct local time will be announced. Set your
watch.
Once you are out of the plane, go straight to the immigration counter. Rush
there to beat the queue. It might take from 30 minutes to a few hours to get
done. Especially in busy airports like DC, this could stretch for a few hours, so
it is advisable to go with a group of friends.
Keep your I-20, passport, admission & aid letters ready. They might ask few
questions like:
o Is this your first time in the US?
o Are you a student on F-1 visa?
o Which University are you joining?
The immigration officer will attach the I-94 card on one of the pages of your
passport usually against the visa page. This is very, very, important so never
remove it or lose it.
Be very relaxed and answer all the questions that the officer will ask.
Sometimes the officer may ask you to present financial documents or letters
from your sponsors. Thus, it is advisable to carry these along with you in your
cabin baggage. Generally they will pass you through without any questions
asked or they could be just testing your English skills.
Then go to the conveyor belts to fetch your luggage. Pick up a (free) cart to
carry the bags.
Cart your baggage to nearby Customs. If asked, tell the officer that you are a
student on an F-1 visa, school, department and coming to USA for the first
time. Be confident that you packed everything yourself and answer all
questions truthfully.
If asked to open the baggage, do so. In most cases you will NOT be asked to
open your boxes at all & will be simply waved through.
Go to the Baggage Claim area.
The display will show you which carousel carries the baggage from your flight.
(Remember that flight numbers are sometimes cross-listed: A Delta-AirFrance
flight might have its Air-France number displayed, not the Delta flight
number).
Please realize that volunteers are also students who're spending their
valuable time to pick you up. If you have asked a relative or a friend to
receive you, then please do not keep us as a backup.
In the unfortunate case that nobody came to pick you up, call up the guy/girl
who was supposed to come. There might be a traffic jam or any number of
other reasons why the person has not yet turned up.
Things to be carried in cabin luggage:
Original I-20, copy of passport, copy of ticket, financial documents (CA
certificate, Bank Statements), admission letter, affidavit of sponsor, all
college or school mark sheets and related certificates.
Original documents except (passport, tickets) (see below).
First aid medicines. For example, tablets for headache, nausea, fever.
A book for in-flight reading.
Portable hard-disk (if required).
Address book/phone book.
Copies of your photo (passport size).
Once complete set of clothes, in case you need to change.
Distribute your money - keep a certain amount in each piece of luggage,
rather than keeping it all together. In your cabin baggage, keep clothing for
2-3 days, just in case your checked-in baggage arrives here later than you
do.
Have your name and destination and route and flight and date in all bags.
Have them prominent and bold enough so that you can identify them easily
from an ocean of similar ones. Some guys even put fluorescent labels,
ribbons.
Do not get too many clothes hangers (you might get a couple for starters, but
they are of a different size here, and are available very cheap).
Do not overload your baggage with blank notebooks, file folders etc.
Things to be carried on your person (pouch):
All your money, change, travelers checks, etc.
Original passport.
Original boarding pass.
Few Re 1 coins to make calls from the airport and also for your return
journey.
AFTER YOU COME HERE:
Open a bank account.
There are primarily two types of account, checking (like current) account and saving
account. Most students maintain only a single checking account since interest rates on
savings account are really low in the US. You will need 2 forms of photo ID (passport
and visa should be fine). You can request a student free checking account (free
implying no monthly fee; yes, there are monthly fees to maintain most checking
accounts in the US). Also recommended is that you apply for an ATM card.
The safest and most convenient way to pay tuition fees is wire transfer. For this, you
need a routing number which is provided by your bank at the time of opening an
account (For Bank of America, it is 053000196). Once you open a bank account in a
US bank, you can wire transfer the money to this account or you can transfer it to
UNCC directly. You may also bring a demand draft however they may take several
days to be processed. Check your students account statement to determine the exact
figure. You can get this by logging into 49erExpress with your NinerNET username and
password, or by showing your UNCC ID card at the Student Accounts counter in the
Reese building on campus.
Deposit most of the Travelers Checks and extra cash into your bank account.
Pay up your fees in time (Students with financial aid can ignore this).
Once your permanent accommodation is decided, you can apply for a telephone
connection and change electricity and heating to your name (from the name of the
previous guy/girl who stayed in the apartment).
Move into your apartment, contact a phone company such as www.ameritech.com for
local phone connection. It is up to you to decide your long distance carrier for making
long distance and international calls. You may tell the operator the name of long
distance phone-company you want, at the time of applying for local phone. However, it
is very much advisable to ask your seniors which phone company is best suitable and
how to sign up for long distance savings plan.
If you get funding after coming here, you have two options:
o Return the dollar draft back to your folks in, or
o Submit the DD to the university and get a refund of your fees in USD.
Leave a copy of these things behind:
There are certain things that you need to keep safely at home along with your parents.
These are:
List of addresses at which information about you can be obtained.
A copy of important documents ( passport, I-20, transcripts, admission letter)
The numbers of your travelers checks and demand draft.
A copy of all relevant parts of Medical History files.
Arrange to collect/redirect mail from your room/hostel.
Arrange to apply/collect/mail your transcripts (about 10 in number preferable).
Your tailoring measurements.
A few blank signed papers - so that your parents can be authorized to look after
anything on your behalf.
American Terms:
Currency
Penny = 1 cent
Nickel = 5 cents
Dime = 10 cents
Quarter = 25 cents
Half Dollar = 50 cents
Silver Dollar = 100 cents

A guide to American Conversation:
The telephone is never engaged, it's always busy.
You don't disconnect a phone, you simply hang up.
You don't stop at the signals, you halt at the lights.
You don't accelerate, you step on the gas.
You tire never punctures, you may have a flat.
There are no petrol bunks or pumps, only gas stations.
You never post a letter, you always mail it.
You don't stand in a queue, you are in a line.
You no longer like something, you appreciate it.
# is not hash, it's pound.
There's no full stop after a statement, there's a period.

American Terms and their Indian equivalence:
Apartment = flat
Bachelor degree = Undergraduation
Battery = cell
Beat up = worn out, shabby (said of a thing)
Beat around the bush = avoid an issue
Been had = to have been taken advantage of
Big shot = a supposedly important person or someone who thinks he/she is
Big deal = anything important, exciting
Bike = cycle
Break the ice = make a beginning
Buck = dollar bill
Bombed = see "high"
Boot = trunk
Booze = alcoholic beverage
Bummer = a term to designate that something undesirable has happened
Cab = taxi
Cash = paying someone with currency rather than a check
Check = cheque
Check out = look over a situation
Cilantro = coriander
Collect Call = a telephone call where the recipient of the call pays
Cookie = biscuit
Cool or neat = slang term denoting approval for something or someone
Cool it = calm down
Cop = slang for policeman
Cut it out = stop it
Crack up = to lose emotional control in laughter
Date = to go out with someone; also the person with whom you go
Down = to feel depressed, sad
Downtown = Central Business District of any American city
Down to earth = practical, straightforward, (person)
Drive one up the wall = drive one nuts; to make one very nervous, or upset
Drop = to withdraw from a course on or before the set date
Drugstore = Pharmacy/Chemist
Eggplant = Brinjal
Electricity = current
Elevator = lift
Eraser = rubber
Fall for = take a strong liking for
Fed up = disgusted with, or tired of
Fender = bumper
Flammable = inflammable
Flashlight = torch
Freak out = to lose control of oneself, go crazy
Gas = petrol
Give a ring = to call on the telephone
Go to pot = to deteriorate
Grass = slang term for marijuana
Gripe = to complain
Hang up = in reference to the telephone it means do not hang up the receiver
Hang in there = keep trying; do not be discouraged
Hassled = troubled by
Have a lot on the ball = to be capable, talented, or efficient
High = intoxicated ("loaded") from liquor or drugs
Hit the sack = go to bed
Hood = bonnet
Hung up = to be in conflict over a problem
I.D. = identification
In a nutshell = very briefly and concisely
Jock = an athlete
Keep your shirt on = be clam, be patient
Know the ropes = be familiar with the details of an undertaking
Lemon = bad buy or purchase
Loaded = to get intoxicated
Long Distance Call = STD/Trunk call
Make ends meet = budget within one's income
Make up = (1) to apologize after a fight or disagreement
(2) To do an assignment after it was due
(3) Cosmetics a woman uses
Masters = Graduate
Mailbox = post box Mid term = test given during the middle of the quarter
Motel = inexpensive hotel
Motorbike = motorcycle
Muffler = silencer of a car
Okra = ladyfinger
On the house = free, no cost
Old man = slang term for father
Once in a blue moon = seldom, infrequently
Out of it = (1) somebody whose mind is far away or preoccupied
(2) Somebody not fitting into a certain group
Out of the question = unthinkable, impossible
Over my dead body = not if I can stop it!
Out of sight = term of approval denoting something exciting or very good
Panhandler = beggar
Payphone = public telephone
Pedestrian Crossing = zebra crossing
Peanuts = groundnuts
Phony = someone who is insincere, also fake
Play it by ear = to respond to circumstances as they arise
Play second fiddle = be second in importance
Pop-Quiz = a test given with no prior warning
Pop/Soda = aerated drink/soft drink
Pot = a term used for marijuana
Psyched up = to mentally prepare yourself for something; excited about something
Pull one's leg = to tease someone
Pull strings = use influence
Pull the wool over someone's eyes = deceive or mislead someone
Put someone on = to tease or try to fool. "Are you putting me on?"
Put your foot in your mouth = say something you regret having said
Rip off = to steal; charge an exorbitant price for some item
Redneck = hillbilly
Restroom = toilet
Returned Check = bounced cheque
Run around with = be friends with
Screwed up = confused
Shook up = upset
Show = movie or film, cinema
Sidewalk = footpath/pavement
Skip or cut = not go to class
Stoned = to get high on grass
Straight = one who goes along with the norms of society, conservative
Subway = underground railway system
Take a rain check = to postpone an invitation, accepting it for a later date
Take for granted = to assume
Through the grapevine = through gossip
To Go = carry out (especially referring to food)
To the max = to the maximum or greatest degree
Traffic Light = traffic signal
Trash Can = dustbin
Uptight = worried, tense Under the weather = sick, not feeling well
Windbreaker = windcheater
With flying colors = with victory or success
Wasted = an extreme lack of energy. Also can mean "high"
Ya'll = you all
Zee = the letter "Z"
ZIP Code = postal code
Zero in on = focus or concentrate on

Establishing Credit History in US

Q: What is credit history?

A: Your credit history is the record of how you have paid borrowed and repaid debts. This
information is obtained from one or more national credit bureaus. Your credit report may include
information about your previous credit performance, current level of indebtedness, length of credit
history, types of credit in use, pursuit of new credit, accounts in collection, defaults, bankruptcies,
lien, judgments, charge-offs, and other applicable information. A creditworthy person is one who
has a positive credit history and meets other requirements as determined by the lending
institution.

Q: Why is credit history important?

A: Having a good credit history will be a central part of making a successful personal and financial
future for yourself in US. Your credit history can help open doors to you or keep them locked.
People and businesses will use this record of how well you kept your previous payment agreements
to judge whether they can risk making a similar agreement with you. Cell phone companies,
landlords, lenders, insurers, even possible employers often make decisions about your future based
on your credit history. It is a good idea to check your credit report frequently. Except under certain
circumstances, there is a small charge for this service. The three primary credit bureaus are
Equifax, Experian and TransUnion. Use caution when requesting a copy of your credit report. Never
give personal information to someone unless you initiated the contact, on the telephone, by mail or
on the web.

Q: What goes into credit history?

A: Many factors are considered and put into a mathematical formula. These may include:
If you pay your bills and loans on time
How much money you owe
How long your accounts have been open
What types of credit you use
How often and how recently you have applied for credit
Collection notice and judgments (records of non-payments / disputed payments)

Establishing Credit History:

Open a bank account. Open a bank account and use it responsibly. This is the first step in
establishing a financial history. This will not appear on your credit report, but bank account
numbers are often requested on credit applications.
Put the utilities in your name and pay the electric, gas, telephone and cable TV bills on time.
Apply for a credit card. To avoid being denied credit, apply only for those cards whose
requirements you are likely to meet. Department store or gas credit cards are usually easier
to obtain than a bank-issued card with a Visa or MasterCard logo because the balances do
not generally revolve.
Before applying, make sure the creditor reports account activity to the credit bureaus. As
the purpose of obtaining the card is to establish credit, you want to choose a card that will
help you do that. If you want to get a Visa or MasterCard, ask at the bank or credit union at
which you have your account.
A secured card is an option. If you have trouble qualifying for a credit card, you may opt to
apply for a secured card. These cards have credit limits based on a required deposit made
by you into a savings account. You use the card just as you would any other credit card.
DEPARTMENT AND GASOLINE CREDIT CARDS: Since gasoline credit cards are not revolving
(cannot carry a balance forward month-to-month), often they are easier to obtain than
regular credit cards. Similarly, some department stores offer revolving credit for a specific
purchase and this is sometimes easier to establish. It is also a great way to establish credit.
CO-SIGN: One way is to piggy-back onto someone who already has a good credit history
established and is willing to co-sign. If you are fortunate enough to know of such a person,
you are not only well on your way to establishing credit, but you are very fortunate indeed.
But be aware that any default of credit on your part affects the credit of the co-signer.
People who care enough about you to co-sign, do not deserve a bad credit incident through
no fault of their own. Once the co-signing has occurred, you simply make payments on or
before the due date. In time you will have established a credit history. If you want to
accelerate the issue, payoff the debt in full when the first bill arrives but not before.
Completion of the full billing cycle is important for a "pays on time" report card to be
established. This will not only make your creditor happy but your cosigner as well. The next
step is to ask the co-signer to repeat his generosity (if necessary). Then: create a debt, wait
until the first bill comes, pay it off in full. Keep repeating until you no longer need the co-
signor. Credit history is now established.

Tips for Keeping Good Credit:

Make Payments on Time - It sounds so simple, but life is hectic and things do slip our
minds.
Establish a routine for paying your bills and keep to it. Mail payments a week before they
are due so they arrive on time. Those late fees can add up.
Pay What You Owe - Of course it is best to pay the entire amount due each month, but at
least pay more than the "Total Minimum Due." Never skip a payment.
Do Not Overextend Yourself - Keep your "available balance" in mind. It is the difference
between your credit limit and your balance due. Having an "available balance" means there
is credit available in the event of an emergency and you can avoid incurring "Over Limit"
charges.
Before applying for a new credit card or loan examine your spending and work out a realistic
budget. This will allow you to pay your bills and still live comfortably.
Limit the Number of Credit Cards - Limit the number of credit cards you acquire to help limit
your debt exposure and simplify your record keeping. Be aware that excessive credit
inquiries over a short span of time may be interpreted as an indicator that you need more
credit due to experiencing financial problems.
Set your own credit limit and start to establish a savings fund for emergencies,
Use credit wisely - Ask yourself the following questions before purchasing with credit: Is this
something I really need, and do I need it now? Do I have the ability to repay? How long will
it take me to repay? How much will it ultimately cost me?
Be aware of the terms and costs when shopping for a student credit card.
Review your statements carefully and immediately inform your credit card company, in
writing, if you notice an error on a billing statement.
Review your credit reports periodically and check for inaccurate, incomplete or outdated
information.
Dispute this information, in writing, with the credit bureaus.
Be honest. If you can't pay your bills on time, contact the creditor and explain the situation.
Creditors will often work with you to come up with an alternate payment arrangement.
Always think ahead. Be proactive, not reactive, about your finances. Plan for different
obligations now and after graduation.
Be organized by filing your statements in a separate folder.
Keep a list of your credit card account numbers and phone numbers in a safe place in case a
card is lost or stolen.
Report your card as lost or stolen as soon as you notice it's missing.
Immediately inform your credit card company of an address change.
Maintain a savings and checking account
Establish your telephone bill under your name. Remember, you are responsible for
additional people on your telephone bill.
Develop a steady work record.
Avoid opening joint accounts with a friend or significant other.
Protect your account numbers, personal identification numbers (PIN's), and SSN. Do not let
others use your cards and don't use your cards to pay for other people's purchases!
Try not to graduate with credit card debt. If you do, make sure you will be able to afford
that debt in addition to other new expenses (i.e. student loan payments, rent, utilities,
etc.).
Be sure to pay your student loans as agreed. This long history of paying your bills on time
will also help you build a credit history and improve your credit score.