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!!!