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Daily life in the United States

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????????? ?? ???? ???????????? ???????, ??????????? ???? ?????????? ????????????, ... 2) 1-5% cash back. Credit History. ?? ???-?? ?????? ???????? ... – PowerPoint PPT presentation

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Title: Daily life in the United States


1
Daily life in the United States
  • Alexey Ovchinnikov
  • North Carolina State University
  • E-mail alexey_ov_at_yahoo.com

2
Banking
  • ????????? ?? ???? ???????????? ???????,
    ??????????? ???? ?????????? ????????????, ?????
    ????? ?? ?????? ??????.
  • ??? ???? ??????
  • ??????? ???? Wachovia, Bank of America, Chase,
  • Non-profit State Employee Credit Union (??? TAs
    ? RAs ? State Universities) ????? ???????, ????
    customer service (?????? ??? ??????)
  • ????? ????? ??? ?????
  • ???? ? ??????? Credit Union (??????? ?
    Internet ????????? ?????????? ???)
  • ?????? ? ???????????? ?????

3
Social Security Number
  • ??? ???? ?? ???????? ????? ???????, ???????
    ?????? ????? ?????? ??, ???? ??????, landlord ?
    ?????, ???????? ??????? ?? ???????????.
  • ?? ?????
  • ?????? ??????? ? ?????????????
  • ??????????? ?????
  • ?????? ???? ????? ?????, ????? ????? ?? ??????
  • ????? ????????
  • ?????? ???????? (RA ??? TA)
  • ?????? ????????? ? Social Security Administration
  • ??? ???? ??????? ASAP (as soon as possible)

4
Checking account
  • ????? ?????? ???? - ????? ????, ???????
  • a) ????? ???? ???????? ?? ??????
    department?/????
  • ?) ?? ????? ?? ????? ?? ?????????? ?????
  • ?????? ??????
  • 1. Free student (???? ?? ?????? ????????)
    ???
  • 2. For working persons (???? ??????)
    ??????? ????? ????? ????? ????? ?????????? ????
    ?????????
  • ? ????? ????? ???????????
  • 1) ??????? ?????? ??????? rent, utilities,
  • 2) Debit (checking) card ??????? ? ???????? ? ?
    Internet, ???? ?? ???????? credit card ???????
    ?????? ? ????????? (ATM)

5
Credit account
  • ????? ??????? ????
  • ????????? ????????? (??????) ????????? ?????? ??
    ??????? ? ???????? ? ??????? ?? 35-40 ????.
  • ??? ????????? ????? SSN (Social Security Number)
    ? ????????? ??????? (???? - ?????????)
  • ??????????????? ?? ??????? ? ?????!!!
  • ? ????? ???????????
  • Credit card ? ?????-?????? ????
  • ?????
  • 1) ??????? annual fee
  • 2) 1-5 cash back

6
Credit History
  • ?? ???-?? ?????? ???????? ?
  • ?? ??? ????? ?????? ????? ???????? ????? ??????
    ???? ? ?????? ? ??????
  • ??? ????????
  • ????? ?? ?????????????
  • Cell phone
  • ????????? ????? ??????-?????? ?????, ??????? ????
    ????????? ????? ?????????. ??????????, ????????,
    Chase/Bank One (????? 6 ??????? ????? ?????????
    SNN)

7
Savings Account
  • ?? ????? ?????? ????
  • ?????? ??????? (?? ????? ?? ???????)
  • ?????? ? ??????? ???????, ??? ? checking account
  • ? ????? ???????????
  • ATM Card ??? ????????????? ??? ?????? ????????
    ? ?????? ?????.

8
Travellers checks (cheques)
  • ?????? ????? ????????!!!
  • ????????!!! ?? 31 ??????? 2005 ?. ????????
    ??????? ??? ???? (American Express) ??? ????????
  • ????? ??? ?????????
  • ???????? ??????? ???
  • ??????? ?? ??? ???????????? ?????????????
  • ????? ???????? checking account, ???????
    ????????? ?????????? ??? deposit ???? ????

9
Shopping
  • ????? sales ???? ????? ??????????.
  • ????????
  • ??????? ? ?? ????? ??????, ?? ???????!
  • Whole foods ?????? ????? ???????? ??????,
    ????????, ???? (flour)
  • a) bleached enriched ????? ?? ???????, ??? ? ?
    ??????
  • ?) unbleached whole wheat flour ?????????
    ????, ???? ?????? ?? ????????? ????????, ? 2
    ???? ??????, ???? ?????????? ?? ?????
  • 3) Farmers markets ??????? ????? ???????
    ?????, ??????, ????,
  • 4) ????????? ?? 10 ?????? ???? ??????? ?????? ?

10
Mail
  • USPS - ??????? ????? ????????, ????????, ??????
    ?? 37 ?????? ?? ???? ?????? 2-4 ???
  • UPS ??-?????, ???????????????? ?? ????????
  • FedEx, - ?????? ????? express ????
  • IPS (www.ips.ru) - ?????? ?? ?????? ????? ?????
    3 ?? ?????? ? ??? ???? 7-8 ????.

11
Housing
  • ????????? ?? ???? ?? ???????.
  • ?????????? ?? ???? ?? campus? ???????? ??????
    ???????? ?? ??????? ??????! ??????????
    www.rent.com, www.apartments.com, ?
    ??????????????????? ?? ????? ??????? ? ?????
    department??
  • ????? roommates
  • a) Internet
  • ?) ???????? e-mail ????????? ??? ????-?????? ???
    ? ?????? departmenta ? ????????, ?? ???? ???
    roommat? ?? ?????? ?????????
  • ?) ?????????? ??????????? ?????????? ? rent.
    ???? ???? ?????????, ?? ??????? ? ??????????? ?
    ??????????? ???????????????? ????????, ???? ?????
    ?????????? ? ???????????????????, ?????? ???
    ???-???? ???????????!

12
Algorithm after departure
  • ???????? ???????????? ?????? ? ??????????? ??
    campus?
  • ?? ?????????? orientations ??? ?????????,
    ???????????? ????????
  • ??????? free checking account ? ???????? debit
    card (????? 7-10 ????)
  • ?????? ?? social security card
  • ????? 6 ??????? ????? ????????? SSN
  • ?????? ?? credit card ??? annual fee
  • ????? ? ??????? ??????????? ?? ??????? ?
    ????????????????????
  • ????????? ?????? (deadline April 15th)
  • ?????? ??? ??? ?????????????, ??? ????????????
    ????? ??? ??? ????????. ?

13
Travel after arrival
  • ??????? www.greyhound.com
  • ????? www.amtrak.com
  • ??????? (???????? ??????? ??????)
  • 1. ??????? ???????? ????? ????????? ?????????
    (????. slide)
  • 2. ????? ?? ????? www.orbitz.com,
    www.expedia.com, www.cheaptickets.com ? ???????
    ????? ??????? (??????? ? ?????????? ???)
    ???????????? ? ???????? ????.
  • 2. ????? ?? ???? ????????? ???????????? ?
    ???????? ????
  • 3. ?????? ???????? ??????? ??????? (on-line
    ???????, ??? ?? ????????) ?? ???????????
    e-ticket.
  • ??????????. ???? ????? ? ?????? ? ??????? ?
    ???-????????, ?? ???? ??????????? ? ???????. ????
    ?? ??????, ?? ????????? ?? STAR Travel ?
    ?????????? ?? ??????????? one-way tickets.
  • ?????? ?????? ???-??????
  • Delta ?? New York, Atlanta
  • ???????? ?? New York, (Washington, Seattle, Los
    Angeles 1-2 ???? ? ??????)

14
Frequent flyers cards
  • ???????
  • Sky Team (Delta, NWA, Continental, Air France, Al
    Italia, Korean Air, El Al, ) www.delta.com
  • One World (American Airlines, British Airways,)
    www.aa.com
  • Star Alliance (United, USAir, Lufthansa,)
    usair.com
  • Aeroflot (????? ? Sky Team) www.aeroflotbonus.ru
  • ??? ????
  • ????? ?? ???? ????? ?? ?????????????? ????????
    ??????? ??????? ? ????????? ??????
  • ?? ???????? ?????? ???? ????? ??? ?????? ???????
    ?????? ? check-in, ?? ??????? online - 1000 ????
  • ??? ???? (??????)
  • 25000 ???? roundtrip ?? USA-Canada
  • 50000 ???? roundtrip USA-Europe (? ?.?. ??????!)

15
Conclusion
  • Enjoy your time in the United States!!!
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