Prepared by all punks group ………….

C O M I N G TO AM E R I CA
(An informal document)

. . . . . . . . . .
Users Guide Version 1.0

A Must Read For Everyone

By : What’s there in a name ?
 CONTENTS

1. Introduction..................................................................................................................................................1
2. Carry Luggage..............................................................................................................................................2
3. The Arrival...................................................................................................................................................3
4. Using Telephones.........................................................................................................................................5
5. Public Transport...........................................................................................................................................7
6. Mind your language.....................................................................................................................................8
7. The Anti-Universe phenomenon................................................................................................................12
8. FOOD, I'm hungry.....................................................................................................................................13
9. Office and the Work Environment.............................................................................................................14
10. Americans and their Behavior.................................................................................................................16
11. Initial package from DCI.........................................................................................................................18
12. Getting Social Security ............................................................................................................................19
13. Driving License/Photo-ID........................................................................................................................20
14. Bank Accounts/Cheque Writing...............................................................................................................22
15. Cards.........................................................................................................................................................24
16. Shopping...................................................................................................................................................26
17. Renting an apartment...............................................................................................................................27
18. Buying a Car.............................................................................................................................................30
19. Renting a Car...........................................................................................................................................33
20. Doctors in U.S..........................................................................................................................................34
21. Income Tax In US:...................................................................................................................................36
22. AAA Membership....................................................................................................................................38
23. How To Send Money ?............................................................................................................................39
24. Towards a more American Conversation ................................................................................................41
25. Last Word.................................................................................................................................................43

COMINNG TO AMERICA ii
 1. Introduction

Usually, before anyone comes to the U.S.A for the first time from India he/she will start
talking to people who have been here before and get information from them about what to
expect, what to do etc. Though this gives some idea it doesn't make one confident or
better prepared and moreover how much can one absorb at once.

So we felt the need for a small, informal document which anyone could carry along with
or read on the plane before he/she gets to the USA The objective of this document is to
make you aware of things, situations to expect and enlighten you with facts so you can be
comfortable once you get there.

This friendly document will guide you during your stay in the U.S. You will be better
prepared for the trip if you read this document before going or just after reaching. It tries
to give information on preparing for the trip, food, travel, stay and culture in the U.S.

This is just out of our experience and should be considered as an advice rather than final
authoritative statements, which may be arguable. We want you to enjoy your trip to the
U.S. as much as possible. You bet.

All the best!! :-)

 2. Carry Luggage

The carry baggage is the biggest problem while coming to U.S. What to carry? How much
to carry? Do I carry more woolen clothes 'cause its cold out there? Well, we all think, it
depends !!

Don't carry too many heavy utensils, cooker etc. You can buy most of the utensils there.
They are not costly and you don't have to carry much. You can carry some spices with you
if you want to, 'cause after going there you may start missing the Indian food taste.

Don't carry too many warm clothes (unless you are going there in winter), or sports shoes
etc. It would be better if you buy them after going there. That way you can buy the latest
style. But you should carry leather shoes from India, since leather items are costly in the
U.S. Rest, it all depends on you and your needs !!

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 3. The Arrival

Enjoy your flight. Try to learn more about other nations from the co-passengers There can
be international stops on your way to the U.S.

3.1 International Stops : Generally passengers are required to get down at an International
stop, which might be for Security checkup or cleaning of the airplane. You will be given a
'transit card` or say 'transit visa`. Normally the halt is for a couple of hours. Listen to the
announcement which is always made before the international halt. You will hear
information about departure time, gate number etc. After getting down at Intl. Airport,
you can move around in the airport. But be at the gate within 45 minutes of your flight's
departure for the onward journey, 'cause they may require to check your tickets etc. Once
you get in, you are all set to take off for the final destination.

3.2 Immigration : The first thing you need to go through at the port-of-entry U.S. airport
(international airport where you first land in the U.S.), 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 final international halt, inside the
plane, you will be given a form to fill up called I-94. SPECIFY DCI`s CONTACT
NUMBER, ADDRESS AND OTHER OFFICIAL INFORMATION AS YOUR
CONTACT NUMBER, ADDRESS WHERE YOU ILL STAY etc.

On alighting from the plane you may ask people or signs will guide you to the
immigration. Keep your passport, H1-paper ( Blue form ) and the form you filled inside
the plane, handy. At the counter you might be asked some questions. TALK
ABSOLUTELY TO THE POINT. DON`T TRY TO LIE. MAKE SURE THAT
WHATEVER YOU SAY IS WRITTEN ON THE PAPER. You will be given the counter
foil of I-94 form. Keep that very carefully. And say to yourself "WELCOME TO USA".

3.3 Baggage Claim : Try to acquire some 25 cent coins (called "quarters"), which you may
need for getting a trolley cart for your baggage and also for making telephone calls etc.
Thereafter move toward the baggage claim carousel assigned to your flight, simply follow
the signs directing you to the place. Collect your luggage and look for signs directing you
to customs clearance. At the customs clearance they may ask you to open your bags for a
security check/verification.

3.4 Domestic Flight : Since the Port-of-entry may not be your final destination in the U.S.
and
you have to proceed onwards, locate the counter for the domestic airline you will be
taking to your final destination. Above all don't hesitate or feel shy to ask for help from
airport support staff (at information desks) or police officers, if you need anything.

Follow signs directing you to your domestic flight because you will need a boarding pass.
If it is far away, take the Airport shuttle (bus) service which is free. If you don't know
where to get down, tell the driver in advance and he will drop you off at the proper place.

COMINNG TO AMERICA 3
At the counter (podium) check-in your baggage and get your boarding pass issued and
ready. On arrival at the final destination, collect your baggage once again and look around
for that someone who may be there to receive you. If you don't find anyone or you already
have specific instructions, follow those, otherwise call up (telephone) the DCI area
coordinator whose tel. number you should be carrying. Therefore remember to keep
phone numbers handy. Get information from the DCI area-coordinator on the stay
arrangements made for you. Finally, if no one comes to pick you up, try to locate the
information counter from where you will get all the information regarding how to call for
Also the Public Transport section of this guide will help you in understanding the travel
facilities available in the U.S.

COMINNG TO AMERICA 4
 4. Using Telephones

The first thing you might do when you come to USA is call someone. So this is a good
time to tell you about telephone usage. Telephone calls within U.S. are considered "local"
(within the area of the caller) or "long distance" (outside the area of the caller). Local calls
within a short region are free unless made from a public pay phone which is a coin
operated machine. Long distance calls are charged at varying rates, depending on how you
make the call (which long distance carrier/company you use), for how long you speak and
the time of the day. Note that the telephone companies in the U.S. are private. Each local
region is assigned an "area code". So the phone numbers are denoted as (area code)-123
4567. where 123-4567 is your actual phone number. If you are calling a number within
your "area" then you should dial only the phone number. If the call is outside your area

you need to dial 1-(area code)-123-4567, which is the long distance call. Again,
sometimes when the area code is the same as yours, you may still have to dial a "1" before
the number without the area-code e.g. 1-<7-digit phone number> To make an international
call i.e. to India you need to dial 011-91-<STD CODE>-<TEL. NO.> e.g. 011-91-22-
1234567. Here 011 indicates an international call. 91 is the country code for India. 22 is
the "area code" for Bombay and 1234567 may be the actual phone number you want to
dial.

Other important facilities provided are -

1. Yellow pages (Tel. directory) Advertisements and Telephone numbers of businesses.

2. Emergency Telephone Number There is one emergency number that you can dial for
any type of emergency which is 911 (Fire/Ambulance/Police).
3. Directory assistance Local telephone numbers - 411 Long distance - 1-(Area Code)-
555-1212 Toll Free number enquiry - 1-800-555-1212
4. Toll free

Most of the 1-800 numbers are toll free. You will not be charged for the calls you make to
such numbers. e.g. The toll free number for Mr. Ashok Agarwal (DCI California) is 1-800-
969-1117. This is a toll free number and you can dial it from anywhere in the U.S. without
having to pay for it, even from a public phone. Some telephone numbers have alphabets in
them such as 1-800-COLLECT. To dial this number, just press the digit on the telephone
pad which has the corresponding alphabet you want to dial on it, simple!.

Most people use answering machines which are connected to their telephones, or some
kind of voice mail system. It has a standard pre-recorded greeting which is played when
you call up and then after some beeps, it records your message. Initially you will feel like
you were talking to a dead person, but soon you realize the importance of owning an
answering machine. We bet you'll buy one too!.

COMINNG TO AMERICA 5
Using the PUBLIC "pay" phones : The important difference is, you need to insert the
money first then dial the number. To operate a pay phone you need 25 cents. This pays for
one local call. If your call is not connected your money is returned in the "coin return"
slot.

Collect call - If you want the called party (person whom you are calling) to pay for the call
then you make a collect call. To make a collect call pick up the receiver and press 0. Let
the operator know that you want to make a COLLECT call, the operator will connect you
to the phone number you need. But before that the operator will check with the other
party if they want to collect (pay for) the call. An easier way is to dial 1-800-COLLECT
from any phone and just follow the recorded instructions.

Time zones : There are four time zones in the U.S.

1) Eastern TZ
Example : Massachusetts, New York, Florida etc.

2) Central TZ ( lags Eastern TZ by one hour )

Example : Iowa, Kentucky, Indiana etc.

3) Mountain TZ ( lags Eastern TZ by two hours )

Example : Colorado, Utah, Wyoming etc.

4) Pacific TZ ( lags Eastern TZ by three hours )

Example : California, Oregon, Washington etc.

Day light saving : As the name suggests, the time is set in such a way that maximum day
light could be used. e.g. During summer, the sun rises at around 4-5 o'clock. So the clock
is set forward by one hour. This forces all activities to start one hour earlier so that
maximum day light is used till late in the evening.

Therefore : The Clock is set back by one hour on the first Sunday of November 1 (Fall
Season) at 2:00 am. Clock is once again set forward by one hour on the first Sunday of
April at 2:00 am. (Spring Season). The easiest way to remember this is FALL BACK,
SPRING AHEAD. By the way, Arizona is the only state which is not affected by day-light-
saving. People there do not ever change the time in their clocks.

Currency :
Dollar : 100 cents Quarter: 25 cents
Dime : 10 cents Nickel : 5 cents
Penny : 1 cent

Initially there is some confusion since the quarter is exactly of the same size and shape as
the Indian 50 paise coin.

COMINNG TO AMERICA 6
 5. Public Transport

All major cities have some sort of public transportation not necessarily very good or
frequent or well connected. Therefore most people prefer to travel by their own cars. It is
better that you own a car in the U.S. so that you are independent. But till you get to buy a
car you can use the public transportation system or depend on your friends/colleagues for
a ride.

5.1 Trains and Buses : In most cities, you may purchase Daily Tickets from the conductor
or the driver on the train and buses each day. For more information on routes, schedules
and fares, see the publications and maps published by the city's local authority. You can
locate them in your telephone book.

5.2 Taxi Companies : In some areas you must telephone for a taxi and make an
appointment. You will not find them waiting in the street corners but you do find them
waiting in a queue at the airport. Taxis are listed in the yellow pages under the name
"Taxi" or "Taxicabs".

When you call, tell the "dispatch" operator where you are and where you want to go. The
dispatch operator will tell you how long it will take for the taxi to arrive at your starting
point. He or she will ask for the telephone number, so they can call you if the taxi driver
cannot locate you. You should ask for the estimated cost of the ride.

When you enter the taxi, the meter will read flat rate. This is the minimum charge. You
will be charged the flat rate for each mile you travel.

COMINNG TO AMERICA 7
 6. Mind your language

For successful conversation, in the US, it is advisable that you speak slowly and
pronounce properly. Well, the first part you really need to practice otherwise what you will
hear from the person opposite is "pardon me", "come again", "I am sorry", "I didn't get
you". e.g. The changes in pronunciation are like 'schedule' pronounced as 'skedule', 'route'
pronounced 'raut' etc. Also some words are totally substituted like 'petrol' by 'gas'. Here is
a table from Gary Nobel of HP SanDiego, which he created when he traveled in India.
Thanks to him. The dictionary is very remarkable.

The following is a simple dictionary for translating between American

English and Indian English. This dictionary should be useful for the new-comer to either
the U.S. or India. The words are in no particular order. Suggestions for additions are
gladly taken at [email protected]. Gary Nobel 8/20/92

INDIAN ENGLISH AMERICAN ENGLISH

Food Related
Coriander Cilantro
Cold drink Soda pop
Curd Yogurt
Cafe ("kayf") Cafe ("kaf-ay'")
Nes-coffee Instant coffee
Filter coffee Brewed coffee
Milk powder Cream
French beans Snow peas
Hotel Restaurant
Jelly Gelatin
Garam masalla Curry
Lady fingers Okra
Small pastries Lady fingers
Toffee Hard candy
Brinjal Eggplant
Biscuit Cookies/Wafers
Bun Biscuit
(Potato) Wafers (Potato) chips
Finger chips French fries
Groundnuts Peanuts

INDIAN ENGLISH AMERICAN ENGLISH

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 Education Related
Public school Private school (tuition charged)
Private school Public school (free)
School High school
College School
University School
High school School/Junior High
Take a class Teach a class
Be a student Take a class
2nd standard 2nd grade
High marks Good grades
Invigilator Proctor
Canteen Cafeteria

Clothes
Windcheater Windbreaker
Vest Undershirt
Waistcoat Vest
Half-pant Shorts
Purse Wallet
Swim trunks Swim suit
Swim costume Swim suit

Transportation Related
Traffic signal Traffic light
Boot, dikky Trunk of a car
Bonnet Hood of a car
Petrol pump Gas station
Petrol Gas
Diesel Fuel
Pavement Sidewalk
Footpath Sidewalk
Zebra Crossing Crosswalk
Take a lift Get a ride
Motorcycle Motorbike
Cycle Bike

COMINNG TO AMERICA 9
 INDIAN ENGLISH AMERICAN ENGLISH

Other
Football Soccer
American football (rugby?) Football
Solid Substantial
Ltd. Inc.
Transistor Radio
Two-in-One Boom box
Goggles Sunglasses
Cooling glass Sunglasses
Toilet Restroom
Guest house Motel
Current Electricity
$20 Note $20 Bill
Cell Battery
Torch Flashlight
Rubber Eraser
Snap Picture
Photograph Picture
Mixee (?sp) Mixer
Dustbin Trash can
Beggar Panhandler
IBM-Compatible IBM-Clone
Inflammable Flammable
Mess Dorm cafeteria
Hotel Restaurant
Restaurant bill Restaurant check
Picture Movie
Talkies Movies
Lift Elevator
To fix To install
To repair To fix
Pram Stroller

Idioms
To post (a letter) To mail (a letter)
To submit To turn in
To be out of station To be out of town
A place to park Driveway
A place to drive Parkway
Straight-away Right away
Anticlockwise Counterclockwise
Bunk school Skip class

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Passed out Graduated
Fainted Passed out
Ring up (someone) Call up (someone)
The line is engaged It's busy / I got a busy tone
Push the accelerator Step on the gas
Give the car some race Speed up the car
Get down (from a bus) Get off (of a bus)
Let's push off Let's go
Let's make a move Let's go
Convince someone Talk someone into
Black money Tax free, undeclared income
Standing from a constituency Running for an election
Issue a book (from the library) Checkout a book (from the library)
How are you? How are you doing?
How is everything? How is it going?
Intimate Inform
(Very Close Relations) (Intimate Relations)
Too good Cool

COMINNG TO AMERICA 11
 7. The Anti-Universe phenomenon

When you come to the U.S. you will notice the opposite everywhere. You will get the
feeling "These guys are crazy" .....almost everything you try to do will fail even if it is a
small thing like switching ON the lamp !!!!"

This is just to make you get a hang of it. The cars are driven on the right hand side instead
of left hand side of the road. So you should look left first while crossing roads :-). You
may have to insert the key upside down and rotate it in the opposite direction to unlock.
You will also notice that switches work in opposite direction i.e. UP is ON and DOWN is
OFF :-).
The date is written with the month first, then day, followed by the year.

As one of our American colleague pointed out jokingly, "its logical, if you see that India is
exactly opposite in location on the globe, to U.S.!!!"

COMINNG TO AMERICA 12
 8. FOOD, I'm hungry

Of course you must be hungry, when you arrive. God knows what you ate on the plane.
You don't remember the neither item's name nor its contents. It may be one of the weirdest
things you ever had for dinner or lunch. So you must be apprehensive about what you will
get for lunch or dinner. The best thing you can try is PIZZA, which is pronounced as
"PiTza".

You get both Veg. and NonVeg Pizzas. But to be on the safer side order a Veg. Pizza that
way you won't be left hungry atleast. Order a small pizza if you are alone or a medium size
is enough for two or three (well it depends on your appetite actually). You can order pizza
by phone and it will be delivered at your doorstep in a few minutes. Refer to the yellow
pages or consult the motel receptionist you are staying in, for information.

For breakfast, have 'Continental breakfast' which is cheap and the best. To be sure about
Veg. items, always ask for items with "NO MEAT" rather than "WITHOUT MEAT".
Besure to say "NO ICE" if you prefer to have your drink without ice. And remember that
a CHEESEBURGER is a misnomer. It contains meat besides cheese, so be careful!

Here is a guide for Vegetarian Dishes:

Mexican : Bean Buritto, Enchiladas, Bean Taco, Cheese Taco, Bean Tostadas, Mexican
Pizza

Italian or Greek : Eggplant (brinjal) sandwich, Sphagetti with tomato sauce, Lasagna
(pronounced Laza-nya), Italian Pitza, Italian Pasta with tomato sauce,
Falafal, Veg. Gyro (pronounced Yero).

Denny's : Vegetable omelette (with eggs)Vegetable lunch/dinner (salad, potato smash,

garlic sauce) Broccoli soup

American Restaurants (Sizzler, Olive Garden) : Best bet is salad bar & French fries

McDonald's : Mac cheese sandwich, Milk shakes, ice-cream sundaes

Pizza Hut : Veggie Lover's delight, Veggie pizza with a choice of toppings such as
Jalapenos (pronounced Hala-pin-yose and are green chilies), pineapple,
tomato, onions etc.

Burger King : Vege cheese whooper, Garden burger

COMINNG TO AMERICA 13
 9. Office and the Work Environment

Before you start your first day, get a hang of how the work environment is at the client's
place from any PCS person there or read on for some typical environments you may find.

- Project Leaders are very understanding and friendly. And do not unduly
pressurize you to perform. They will definitely give you some time to come
up to speed on their work environment.

- There is a lot of individualistic approach. Every person's inputs are given a

lot of importance. Independent views are respected. Before discarding any
of your ideas, they will give you a good enough reason for doing so.

- For the smallest of decisions they will sometimes hold a meeting and get the
entire team's inputs/comments/suggestions before proceeding. One feels
important when this is done. But sometimes it can get boring.

- Nobody double-checks what you are saying, they take you for your word.

- There are no suspicious feelings and managers don't fear subordinates.

- Managers will openly discuss about their meetings with "their" bosses, with
the team. There is no hide and seek as far as information/feedback is
concerned.

- People admit if they don't know or have information about certain things.
They don't pretend to be all knowing.

- People are dedicated to their area of work and develop expertise in it. But
they do not talk about work related topics, which are not in their area of
expertise, they immediately refer you to the right person.

- People enjoy their work and leisure. They plan their weekends well in
advance. Very few people stay back late in the office or come and work
during weekends. Such things are not related to performance. As long as
you do your work well and within time, nobody cares what else you do and
when.

- Most companies allow you to compensate by working during the weekend if

you take an 'off' from work on a regular weekday.

COMINNG TO AMERICA 14
 - The work hours in most companies are flexible. Come anytime and go
anytime but you do need to put in a minimum of 8 hrs/day or 40 hrs/week as
contractors.

- Regular time sheets "may" have to be filled, in some companies.

COMINNG TO AMERICA 15
 10. Americans and their Behavior

Its helpful to know how Americans typically will be. Otherwise you will start feeling
"These people are great dramatists... ". Here are some tips:-

- Americans are very friendly and helpful.

- They don't make you feel like a foreigner. (Though you feel!)

- It is very easy to adjust with them. But they don't like people getting very
inquisitive or trying to get too personal in the initial phase of the
aquaintance.

- They dress casually and nobody bothers which dress you wear etc.

- They are fun loving creatures and enjoy their free time. Most of them like
to keep themselves physically fit by regular outings, hiking, exercise,
biking, jogging etc. They love the outdoors and natural surroundings. They
look forward to weekends and plan their weekend activities in advance.
This usually consists of some outdoor activity.

- They are frank about their opinions.

- They respect individual views and allow everyone to voice their own ideas
on a subject.

- They have a lot of patience. Especially when standing in queues or while

driving, nobody will try to jump before you in the queue. Most of them are
very disciplined drivers. However this differs from State to State.

- If they happen to come in your way or you happen to come in their way,
you will promptly hear an "Excuse me" or "Excuse us".

- They need a lot of feedback while talking. You have to acknowledge/nod

continuously. Otherwise they feel you are not interested in listening or are
confused.

- They gesture a lot and shoot some funny (at least so it seems initially)
phrases at you. It is a matter of "getting used to it".

- They are "very" proud of their country. To them, the Universe is the United
States. So never ever make fun of or speak lightly about them or tell them

COMINNG TO AMERICA 16
 that they do not have any social/cultural background. You will make more
American friends that way.

- Most Americans think of India as a poor country of beggars, snake

charmers and swamis etc. This is due to the insufficient and improper
media coverage given to India. Their T.V. only shows the poor Indian
villages and cows on the streets.

Hope you will be able to prove that India is a country of INTELLIGENT people like you
and not just ELEPHANTS and SNAKE CHARMERS.

COMINNG TO AMERICA 17
 11. Initial package from DCI

NOTE: The first official thing you should do without being asked to, is to apply for your
Social Security Number - details are given in this doc.

After arriving in USA one gets a package from DCI. This package consists of different
types of forms. The most important one being the Medical Insurance form. Don't be
careless about this, make sure to fill and return it soon.

After receiving this package one should sign all the forms and send it back to DCI as soon
as possible. This package consists of following documents.

Personal details : In this form you need to fill up all your personal information which is
required for official purposes.

Passport details : In this form you are expected to furnish all your passport details.

Away from business expenses form : One is supposed to fill up this form at the end of
every month. We get our salary in two parts. One is Salary or Allowance and the other
part is the reimbursement of the expenses incurred. Your area coordinator will inform you
about what amount you can claim etc. It depends on the position and the class of city you
are in.

Couple of memos : These memos inform you about certain rules.

Medical insurance registration form : (MOST IMPORTANT FORM) This form you are
supposed to send to the medical insurance company. It needs routine personal information.
In two weeks of time you will receive your medical insurance card, which will cover most
of your medical expenses in the U.S. But be sure you understand what is covered under
this scheme and what is not.

You are supposed to send all these forms and memos asap. Couples of these forms require
your Social Security number. If you have not yet received your social security number
then leave that place tentatively blank in your forms and you can inform DCI about it later,
when you get one.

COMINNG TO AMERICA 18
 12. Getting Social Security

You must go and get your social security number and driving license done immediately
after you come.

12.1 Social Security Number

Each individual in Unites States is required to be registered with US government by law.

The way we have registration in India through Ration Card it is Social Security here.

This number is very useful for the government as well as the for the individual.
Government can keep track of the individual from this particular number. You will need
the SS number for any official paper work or dealings e.g. while filling Tax forms or while
opening a bank account or while getting a membership in the public library. A person's
entire credit history can be traced from this number.

As soon as one arrives in US he/she is required to get Social Security number immediately.
It is a very simple procedure.

Every town or a city has a Social Security office. You have to go there with your Passport.
First thing you need to do is collect the application form for new social security number.
These forms are available in various languages. Find one in English and fill it completely.
It will ask you for your local postal address details besides other information. The officer
will check your application form and passport. After checking everything you will be
informed when you will be receiving your Social Security number, which will be by postal
mail.

Generally within three to four weeks time you will receive your social security number
which appears printed on a small card, which you should carry/preserve safely.

COMINNG TO AMERICA 19
 13. Driving License/Photo-ID

13.1 Getting Driver's License

Driver's license is one of the most important documents required in United States. Apart
from driving needs it is required at almost all the places where you need to show your ID.
Mainly because this is the only valid Identity card which is required and approved at all the
places.

Here in US most of the money transactions are done via checks or Credit cards. Initially
when you don't have credit card, check is the only practical and recommended way of
payment. Nobody keeps cash. People generally issue checks even for a small amount of
less than $5.00. Checks are as good as Cash and can be deposited at any ATM (Automatic
Teller Machine) center. These checks are accepted only with a valid PHOTO-ID at most
places. Actually a Photo-id could also be a simple identity card issued by the DMV (Dept.
of motor vehicles), which is not a driver's license. At most places Driver's license is the
only valid PHOTO-ID. So after getting Social Security number, Driver's license is another
very important thing one should acquire as soon as possible.

Getting driver's license is not very difficult here. Before appearing for a driving test behind
the wheels one has to clear a written test conducted by DMV (Department of Motor
Vehicles - similar to RTO in India). Each state has their own laws for driving a vehicle.
DMV issues a book on the rules, which are required to be followed very strictly. This
book gives detailed information about all the laws and is written in a very nice manner. It
is very easy to follow all the rules as they are nicely explained and if necessary, supported
by good photographs.

After understanding the contents of this book you can appear for the written exam. You
can appear for the test on any working day. You can call up DMV and take an
appointment with them or you can even go directly.

They will check your Passport and will give you a question paper. Questions are objective
type and you have to choose the best answer for each question. Time is no limit for the
exam. After you are done with it, the person on the counter will immediately check your
paper and will tell you your score. Upon passing this test you will get temporary driving
license which is valid for two months. DMV also issues an ID card. The state government
issues this. You can use this ID card as a Photo-Id till you get your driver's license. At
some places you are required to produce two Photo-Ids, that time it is very useful to have
this photo-id you can even go for some driving lessons. For driving lessons you can go to
driving school or to a private teacher. Private teachers are little cheaper as compared to
driving school. Once you are ready for the test, again you will have to take an
appointment with DMV for the driving test.

COMINNG TO AMERICA 20
On the day of appointment you have to go there with your learning license. The car in
which you will give your driving test should have proper Insurance papers. Also check all
the controls, including signal lights and brake lights. If any of these is not in shape, you
will not be allowed to appear for the test. This test will be of 100 marks. After your test,
driving inspector will immediately tell you your result. Generally they explain to you your
mistakes so that you can work on them and rectify. If you have passed you will get your
license immediately in most places.

If you fail there is no minimum period required between the time you appear again. So you
can practice again and appear as soon as you can.

COMINNG TO AMERICA 21
 14. Bank Accounts/Cheque Writing

- They are basically of two types - Savings a/c (with interest)

- Checking a/c (with NO interest)

- Generally most people open a Checking a/c at first.

- To open an account you need a social security number, however since it

takes a week or more to get the social security number one can request the
bank to verify the passport and open the a/c. Later do remember to inform
the bank once you receive your SS number.

- Then there are concepts like

- Minimum balance - which is either NO or YES (It is better to open an a/c

with NO MINIMUM BALANCE otherwise you have to maintain the
specified minimum amount always in the account).
- Overdraft facility - Again NO or YES (This allows you some amount of
overdraft. This might be beneficial in some cases, such as when the monthly
salary is not received on time and the house rent, phone bills etc. has to be
paid.)

- There are various kinds of check/cheque books available that one can
choose from, such as the kind of colored paper and printed background
design on paper etc. Usually a set of 200 checks bound together in books
of 20 each is sufficient for 6 months. But it depends on how many checks
are issued by you and at what frequency. The first check book is given by
the bank immediately on opening an account, the other 200 checks are
mailed to you at the given address.

- The next thing is to ask for an ATM card. This allows you to withdraw
money 24 hrs. from any ATM machine of the bank or related ones.

- Some banks charge money to issue an ATM card and the first set of
check/cheque books. Something like $10.00 for the ATM card and another
$10.00 for the first 200 checks (10 books of 20 pages each). But most
banks do not charge anything.

- The whole procedure of opening an account takes about 10-15 min.

- A few shops/gas stations etc. ask for a valid photo-id when payment is
made by check. This is just for verification. (A photo-id could be a U.S.

COMINNG TO AMERICA 22
 driver's license or an actual ID-card which is issued by the local Dept. of
Motor Vehicles office.

- Small payments such as $1.25 etc. too can be made by check and it is not
absurd to do so. People carry very little or no cash on person. Most of
them make their payment by Credit card or check. But it is advisable to
carry about $20.00 in cash at all times to cover emergency needs. Of
course you will have to always carry your checkbook around.

- The following style is used to write the amount in words on the check. Say
for e.g. the amount to be paid is $35.47 then you would write:

Amount in words $: THIRTY-FIVE & 47/100

COMINNG TO AMERICA 23
 15. Cards

- It is a fashion to collect cards of all types and store them in ones purse. The cards here
refer to the plastic type e.g. credit cards.

- So there are cards such as:

Credit card,
Debit card,
Bank ATM card,
Shopping Store cards (e.g. Sears card; "SEARS" is the name of a chain of stores in the
U.S.)
Medical benefit card, Telephone calling card, Public library membership cards.

- Most purses have transparent packets to keep these cards in order.

- Credit/Debit Cards: A credit card allows you to pay for your expenses without bothering
about availability of money at the time of payment. The Credit Card Company pays for
you and later sends you a statement every month elaborating the payments made. You
can then, pay the credit card Company by check. There are certain limits imposed on
Credit cards with regard to the amount of credit available to you, which vary.

VISA and MASTERCARD are the most widely accepted credit cards. The other being
American Express card. (Called Am-Ex for short).

A Debit card is almost like a check, since it allows you to spend from your available
resources only (no credit business). The banks where you have an account, after you apply
for it generally issue this.

It is not so easy to get a credit card for the first timer in U.S. The application is scrutinized
by the Credit Organization/Bank and the credit history checked up (They call up the banks
where you have an account, to find out your balance and credit status etc.). Actually it
seems the credit history is traced from your Social Security No. Usually the period of stay
is also an important criteria e.g. at least 6-month stay is essential to be considered eligible
for a Credit card.

To build up a good credit history, many people take loans from the bank. E.g. to buy a car
and repay it in time. This increases the chances of getting a Credit Card sooner.

The most easiest to get is the American Express Card. They ask for a letter from the
employer regarding salary status etc. once the initial application is verified.

- The Gold Card is the next thing to aim for, once you have at least a card. The Credit
limit is higher on the Gold Card apart from other benefits.

COMINNG TO AMERICA 24
- The most difficult to get is the DISCOVER credit card.

- Most Credit cards offer other benefits too, such as mileage accumulation for some airline
enabling you to travel free on that airline anywhere in the U.S. once about 20,000 miles
have been accumulated, at the rate of 1 mile per dollar. Some others offer Rental Car
Insurance coverage and so on.

- Most organizations (health clubs etc.) issue membership cards with neat plastic
lamination too.

COMINNG TO AMERICA 25
 16. Shopping

The American system of sizes and measurement is different from that in India. Most of the
shops in the U.S. are the equivalents of super markets in India. You can go around the
shop, buy what you want and pay at the counter. The important difference you will notice
is, the shops are driven by customer service. So if you don't like anything that you bought
or it doesn't fit you properly you may return it within a certain period allowed. You should
inquire about the return policy when you buy returnable goods. Ofcourse you need to
preserve the receipt of the purchase. Most of the time they won't even ask you why you
want to return the goods.

When you buy shoes, the size should be 1/2 more than your size in India. For example, if
you buy size 9 in India, you should buy size 9 1/2 in the US.(Or approximate it to the
nearest round figure).

Following measurement chart will help you in converting between American system and
metric system.

Metric Conversion Chart

Millimeters x 0.04 = inches (in) inches x 2.5 = centimeters

Centimeters x 0.4 = inches (in) feet x 30 = centimeters
Meters x 3.3 = feet yards x 0.9 = meters
Kilometers x 1.1 = yards miles x 1.6 = kilometers

Grams x 0.035 = ounces ounces x 28 = grams

Kilograms x 2.2 = pounds pounds x 0.45 = kilograms

Milliliters x 0.3 = fluid ounces fluid ounces x 30 = milliliters

Liters x 1.06 = quarts quarts x 0.95 = liters
Liters x 0.26 = gallons gallons x 3.8 = liters

COMINNG TO AMERICA 26
 17. Renting an apartment

Now that you have started your work you would like to move into your apartment rather
than stay in the motel. Here is what you should know about renting an apartment. You can
get information on how to rent an apartment from the "Apartments" section of the Yellow
Pages, newspaper or “Rental Guides” which are available at the stores. To lease (rent) an
apartment you should consider following points:

17.1 Lease period and deposits : Usually there are two types of lease depending on the
period of lease: 6 months lease & 12 months lease. (In some places they allow 3-
month lease too, but the rent increases in that case). Most of the cases you get 1
months rent free in case you select 12 months lease and you get half months rent free
if you select 6 months lease. You have to pay 1 months rent as security deposit and
some amount around 10$ to 15$ as key deposit. Rent for the apartment in basements
is less than other apartments. Very few people prefer to stay in basements because of
security reasons. So when you ask about availability of apartments it is possible that
the Manager will say only basement apartment is available. Hence insist for
apartment on first or second floor if you don't want a basement apartment.
Otherwise after renting a basement apartment you will realize that apartments other
than in basements were also available.

17.2 Utilities : Check whether your rent includes utilities such as hot water, Cable etc.
Otherwise you end up spending around 100$ to 150$ for electricity bill if you have
to pay for hot water.

17.3 Lease Terms : Understand the lease terms properly because most of the times you
need to break the lease in case your project terminates suddenly. if you want to break
the lease a. You have to give 30 days notice. b. You lose your security deposit c. In
some cases they (the apartment management) try to find somebody who wants to rent
your apartment. If they don't get anybody within 30 days period You have to pay 1
month's rent extra. In this situation you lose your security deposit plus one months
rent. Get these terms clarified before signing the lease papers.

17.4 Lease Breaking : If you are sharing an apartment with somebody. Suppose 3 people
are sharing an apartment and all three have their names on lease papers. In case one
of the three wants to leave before the lease period is over, you need to take a letter
from him saying that all further paper work can be done by the other two people. This
letter is required when your lease period is over or even if you want to break the lease
before that period is over. If you don't have such a letter you won't be able to break
the lease unless all three have signed the lease break paper. In such cases you also end
up losing your deposit. This is true even for normal termination of lease period. Be
careful and understand these terms and conditions fully.

COMINNG TO AMERICA 27
17.5 Damages : After renting an apartment carefully observe if there are any types of
damages in the apartment. If you see any, ask your Property Manager to make a note
of it. Otherwise they will deduct some amount from your security deposit when your
lease period is over.

17.6 Downgrading and Upgrading : If you want to move to 2 bedroom apartment from 1
bedroom apartment you have to pay some 100$ to 200$. Many cases downgrading
i.e. moving to 1 bedroom apartment from 2 bedroom apartment is not allowed. Get
clarification on all such points while signing lease papers.

17.7 Electricity and Telephone connection : After you rent the apartment you need to
inform your local Electric Supply company that you will be staying in that apartment
from so and so date and that they may bill you from that date. Ask your local
telephone company for a telephone connection by calling them up. Most of the
business takes place on the phone. Surprisingly all work gets done and promptly too.

17.8 Maintaining an apartment : In most of the apartments you have cooking range, oven,
dish washer, refrigerator etc. Use aluminum foil to cover part of the cooking range
(other than coils) so that it remains clean and in the end you don't need to spend time
in cleaning it. Dish washer soap is available in liquid or in powder form. Dish washer
inner surface starts becoming blackish after some days. The cleaning liquid can be
used to clean it. This can be done once in a month. Clean your oven once in a month
using oven cleaning liquid. Use plastic garbage bags in trash cans so that you can just
take the bag and dispose it in the central trash, usually provided in the apartment
complex.

17.9 Laundry : If the apartment itself does not have a washer/dryer, there will usually be a
common laundry room in the complex where you can do your weekly
washing/drying. Such common machines usually are coin operated machines so you'll
need a few quarters and also your own favorite detergent powder.

Decorating, Furnishing YOUR house : Of course this is not an advice for interior
designing but to make your APARTMENT look like a HOME. Home is not a place with
four walls, but where you have furniture also :-). The greatest place to get the things you
need for your house is Garage Sales. You can get things like Sofa sets to Wall paintings
very cheep from this source. Everyone will be amazed if you have a full-furnished house in
a few months.

Garage sale is a second-hand, used thing sale, which includes household items such as
furniture like couch etc., appliances such as T.V., stereo, clothes/jackets, other used items.

This is held in people’s garages or backyards generally on weekends. They are a nice place
to buy furniture from, which is usually in good shape. Anybody, who wants to sell old
used things, can hold a garage sale and put up a sign near the house announcing such a
sale. The prices are negotiable. Generally people advertise through local newspaper ad
columns.

COMINNG TO AMERICA 28
The early morning time on Sat. and Sun. between 8:00 a.m. and 11:00 a.m. is the best to
hunt around for used things in garage sales.

COMINNG TO AMERICA 29
 18. Buying a Car

If you are going to stay at a particular place for quite some time say more than three
months, then its better to buy a car rather than rent one. Buying a car involves quite some
work. Its better to be cautious while buying a car, 'cause owning a car brings you freedom
and you own a vehicle but you need to maintain the car and take care of any problems.
The main concern while buying a car is its maintenance cost should not be high, otherwise
you will loose a lot. So here is what experience tells us.

Buying a car in America is very easy, there are lots of used cars for sale and there is never
a shortage. It is just the question of deciding the budget and type of car to be bought.

Most people prefer Japanese cars over American makes simply because of the easy re-
salability. The most popular Japanese car makes are Honda and Toyota.

Types of models? There are two categories of cars, 2-door, 4-door. The 2-d are cheaper.
Then comes the type of transmission (gear), automatic or stick shift. Most people buy
automatic transmission. Such cars are very easy to drive. (Almost all-Indian cars are of the
stick-shift variety).

Where to look? The local newspapers carry a lot of car sale advertisement everyday. You
should see the paper and decide on the ones you are interested in. Next call up the owner
at the tel. no. given, as early in the day as possible and fix up an appointment to visit and
see the car. Test-drive it, if you like it and the price is ok, tell the owner that you'd like to
get it checked up by a mechanic. This is the normal practice. There is nothing to feel shy
about asking the car to be checked up. This will save you a lot of money later after
purchasing the car from unforeseen problems that some used cars land up into.

Look up the yellow pages in the local tel. directory to get the list of car mechanics or just
ask colleagues to recommend one. If that doesn't work out, ask the local AAA (American
Automobile Association) office to recommend someone to you. For a fee of about $25-30
the mechanic will check up the car and tell you the problems or possible problems if any.
Some people do it for free. It is good to tell the auto mechanic to check up the following
things with additional care in addition to their regular: -

1) Brake cylinder, drum and worn out pads

2) Transmission. (This is the costliest part in an automatic car)
3) If it is a 4 speed never buy it. 5 speed is ok.
4) Check for rust in bottom, radiators, muffler and tailpipe.
5) Check for vibrations when you brake from 40mph, without downshifting. If there are
vibrations, either break pads or steering pinion is in bad shape. Get 4 people to sit in the
car and you can make out if the suspensions are OK, when you make a sharp turn.

COMINNG TO AMERICA 30
6) Most important, check for oil leaks, and whether the car gives you power speed/pick-
up when you try to accelerate. You can feel if it's OK.
7) Last, check for emission whether the smoke is black (thick), which means oil, is also
burned with fuel => the car is beyond its life. The piston rings might be leaving a gap in
the cylinders because of wear. In that case, don't buy the car, because you will have to
change the cylinder, piston and rings which will come to double the cost.
8) Ask the owner to give the records of the maintenance he has done, like new tires etc.
Also, make sure you don't go beyond 3rd hand purchase. There must be something
seriously wrong with the car if people have changed owners drastically.
9) Air filter, valve etc. OK?

Ask the owner to discount the price of the car by the amount required for the repairs
suggested by the mechanic. Or else ask him to get it repaired for you. The rates of the
used cars have some standard values, which are generally not exceeded. These values can
be checked up in something called "Blue Book" which is a text available in the public
library or with car dealers. So car models classified as per Year of make have their value
listed in the Blue B OK. There is a cost deduction to be applied for the mileage that the
car has been driven for, which is mentioned in most Blue Books. That gives a fair idea
about the standard cost of any used car. Moreover there is ample scope for price
negotiation. Generally private owners who sell through ads can give better discounts than
used car dealers. Generally car dealers stick to the Blue Book Price but usually ask more.

Mileage is also a consideration while purchasing a used car. Lesser the better. The ideal
average is 10000 miles per year. So a car manufactured in 1987 may have a driven mileage
of about 70000 miles in 1994 and not more than 80000. These are approx. figures.

After buying a car you need to get it insured. You cannot drive a car in the U.S. without
proper Insurance. The car has to be insured against collisions etc. There are various
vehicle Insurance companies having various deals. Look up the yellow pages and call up
some of them and ask for their rates. Then decide on one. The Insurance coverage period
and the type of Insurance chosen and your age (more for less than 25 yr.) decide the
amount to be paid. The "comprehensive", "collision" are terms used by the Insurance
companies to describe the type of insurance coverage. Get everything explained properly.
There is sometimes windscreen coverage too, for a nominal additional amount per month,
this insures your windshield against damage (a windscreen replacement may cost about
$200.00 approx. otherwise).

You have to get the emission testing done on your car before it can be registered. In case
the previous owner has got it done and the test is valid still, then there is no need to do it
again for the specified period. The valid test papers are required for Registration.

The local vehicle registration office will issue a temporary registration for 45 days and
meanwhile process and prepare the proper numberplates. The documents required to get a
registration are - Car ownership (title) papers, Emission Test papers, Car Insurance
papers. After proper registration is done you can drive your car. However you should have
a Driver's License. Actually each state in the U.S. has different laws. Most states allow
you to drive with an I.D.P. (International Driving Permit) for a year or so. But others

COMINNG TO AMERICA 31
require that you get a local Driver's License. The driver's license can be obtained from the
local DMV office after a written and driving test. Refer to the section on obtaining a
driver's license for details.

COMINNG TO AMERICA 32
 19. Renting a Car

Car is a necessity in most of the places here in U.S. Either you buy a car or you can rent a
car. You can pay either a monthly rate or daily rent. Though it’s expensive to rent a car for
a month or so, it might be required if you are going to stay at that place for a small period
of time. Here is some information you will need OR should know when you want to rent a
car.

- The driver/co-drivers need to be at least 25 years old.

- Credit Card is required to rent a car. Else a deposit of about $300 etc...Most companies
do not allow you to rent a car if you do not have a credit card.
- You need a valid driver's license to drive a rental car.
- Well-known car renting companies are - Hertz, Avis, Alamo, Budget, Dollar, Enterprise
etc.
- Car Insurance has to be bought for the Rental car. It is a separate charge or is included in
the total per day renting cost. Some credit card companies pay for the insurance if you
use their card to book a car e.g. American Express Credit Card, in such a case you need
not buy insurance from the car rental company.
- You have to register the other drivers too as co-drivers of the rental car while booking
the car. They should have valid driver's licenses too. Nobody else should be allowed to
drive the car other than those registered!
- Unlimited mileage or fixed mileage is also a criteria, which decides the hiring charges of
a rental car.
- You can make the booking over the phone. But you have to go personally to pick-up the
car from the renting agency.
- Generally the gas (fuel) tank is full and you are supposed to return it with a full tank.
- Some rental agencies do not allow you to rent their car for travel outside the state.
- There are various types of cars that can be booked. Generally depending on the seating
capacity, such as small, medium, compact, large, full-size, premium, mini-van, van etc.
One may even choose the make of the car if available. The rental agencies maintain the
cars in good shape and generally have new cars.

- The renting charges vary depending on the season, weekend/weekday, for how many
days you want the car, how much in advance you are booking, availability, type of car
etc.

COMINNG TO AMERICA 33
 20. Doctors in U.S.

God forbid, but if something happens to you, here is what you should know:

- The Medical Benefit Card which is sent by the Medical Insurance Company is an
important card and should be acquired at the earliest. Fill up the Medical forms sent by
DCI and return those immediately to DCI to ensure that you are registered with the
Insurance Company after you land in the U.S.

- This card entitles you to coverage under certain medical categories only.

- There is a $100 deductible. Which means if you land into medical problems, you have to
pay the first 100 dollars from your pocket. Thereafter the Insurance company takes over
the payment depending on the coverage plan etc.

- There are two acceptable ways of payment for the Doctor's services which depends on
the Doctor. The Doctor's receptionist is the best person to ask payment-related
questions. Some Doctors ask you to pay them (by cash, check, credit card etc.)
immediately after the service. The receptionist will then give you a formal bill, which you
must send (by postal mail) to the Medical Insurance Company along with the claim form
supplied by DCI (which comes in with the initial package soon after you land in the
U.S.) The Medical Ins. Co. will then send you a check after verifying your claim. Other
Doctors will note down the details of your Medical Insurance Company from your card.
They will then send the bill to the Insurance Company and receive the payment directly.
You need not pay the Doctor. But in both the above modes, remember that there are
certain charges which the Insurance Company will not pay and which they don't cover,
such as the first $100. So find out the details from the Insurance Co. about your
respective coverage/medical problem etc.

- For certain kinds of medical problems, where you have to visit the Doctor repeatedly,
only a fixed number of visits per year are paid by the Insurance Company and not all.

- How to decide on the Doctor to visit? Ask your colleagues or other Indian friends.
Otherwise check up the yellow pages (phone directory). Look under the "Physicians"
heading. Telephone the Doctor and fix up an appointment. Only in cases of emergency,
do the Doctors see you immediately, otherwise it is always by appointment.

- You can claim the expenses for any Dr. prescribed medicine that you have to buy from
the Drug (medical) Store.

COMINNG TO AMERICA 34
NOTE:

- Pain in the lower back and strain between the shoulder blades and a stiff neck are very
common due to the kind of spring mattresses and soft foam pillows available in the U.S.
and one just needs to get used to it.

- Beware of Dental problems since they are usually not fully covered under the Insurance
Scheme.

COMINNG TO AMERICA 35
 21. Income Tax In US:

Income Tax return filing is very simple in US as compared to India. Here Tax forms are
very simple and easy to fill up. One need not know all about Taxation laws, but still can
very easily file tax return. Here in US there are two types of taxes. One is the FEDRAL
Tax, which is something like our Income tax, and the other is the STATE Tax. Last day of
filing the income tax return is 15th of April. Accounting year is considered from 1st of
January till 31st of December. US has a Tax treaty with India. Under this Tax treaty one
can file his tax return either in India or in US as per the convenience. But you need to
show your income earned in either of the country.

Suppose you come to US in the middle of the year. You must be definitely having some
income in India before you came to US in that particular financial year. Also some part of
salary is paid to you even when you are in US. This income is taxable and hence you pay
tax on that income. Generally you pay tax on this income in India as in most of the cases
income tax is deducted at source. So one pays tax on the income in India. So now you are
liable only for the tax on the income that you earn in US.

Here there are different types of forms for different category of people. For those who are
US residents and who have status of Resident Aliens, they have to file the what is called
1040EZ form (form 1040 easy). Any person who is in the US for more than 183 days
continuously, gains status of Resident Alien. Any person who is in US for less than 183
days in that financial year is considered as Non Resident Alien.

Non Resident Alien will not have some Tax benefits which any US citizen or Resident
Alien will have. Here in particular, Non resident Alien will not get Standard deduction on
their income. Also they have to pay Tax as per the Flat rate. So basically when you file
your Tax return as NR you land up paying more taxes. But you have to file 1040NR when
you are having status as Non resident Alien.

For filing Tax return form one can get help from the government body which is know as
IRS (Internal Revenue Services). This is same as Income Tax department in India. Also
one has to pay tax to the state government. Each state has a different tax law for the State
Tax. Booklet of information on this is available on request. Tax forms are available freely
at the public places like Post office, Public library where one can get the form that he/she
requires. Also, government gives special services for the people who needs the guidance.
One can get this information even on phone by calling them. One can even go in person to
understand the form.

Apart from these facilities provided by the government one can even go to private Tax
consultants. They charge somewhere between $30 to $60. They take care of every detail
and one need not bother about anything. Along with the Tax you are supposed to send one
form called "W2" form. The employer provides this form to all the employees. The form

COMINNG TO AMERICA 36
contains all the information based on the salary of the person. Also all the taxes paid by the
employer to the State government as well as Federal government. Details about the social
security taxes and the medical taxes paid by the employer are also included in this form.

There are three copies of this form. One copy is to be sent with the State Tax form, one
with the Federal Tax form and one is for the employee's personal record. Before sending
the W2 form one should check the validity of the information in it. Most important is the
correct social security number. If there is any change in any of the information one should
inform the employer asap. Employer is supposed to send the corrected information to IRS
and also a corrected copy to the employee, which is called W2C form.

COMINNG TO AMERICA 37
 22. AAA Membership

We wanted to mention this specially 'cause its very helpful for a person who is new to U.S.
AAA read as 'triple A' stands for "American Automobile Association" is an auto club,
which provides you with all kinds of tour, and travel information. It provides you with all
the maps and travel guides, which you will need. It also has services like towing, opening
your car door lock in case you get locked out, emergency help and so on. Being a member
of this club also gets you concession for motel booking and rental cars.

There is a yearly fee for all these services, which they provide, and if you believe us, "It's
more than worth it".

So we think its a good idea to be a member of this club. It will help you in traveling, which
ofcourse you will do once you get here.

COMINNG TO AMERICA 38
 23. How To Send Money ?

Here are a few ways to send money to India:

1. Personal Check (drawn on a US Bank). A lot of letters wrote tome that though there
is a delay involved (from deposit to encashability), Indian Banks do NOT charge a
service fee.
2. SBI Chicago has a provision wherein they charge you $5.00 as commission and you
can get a draft made IN INDIAN RUPEES right here in the US and sent to India.
Takes 5-6 days. Their number is 1-800-334-6342.
3. Cashier's Check, Certified Check, or Money Order from a Local Bank. May involve
service charge and delay in encashability status (in Rupees).
4. Bank Draft. Usually, a $10 service fee (in a US Bank) is involved.
5. Cable Transfer. Speediest (3-5 working days). However, as I have noted from my local
bank, $25 service charge is normally involved.
6. American Express Money Orders (I HAVE USED THIS METHOD). You can get
these from many stores, including 7-11s, for a service charge of 50 to 99 cents
(depending where you are in the US). Most banks in India will pay U Rupees in
minutes. Also, if it gets lost, full money (-$5) is absolutely recoverable. Extremely
safe, inexpensive, and fast method.
7. Citibank Rupee Drafts. Service charge is $5. 1-800-CITINRI. Immediately encashable
in India.
8. Open an NRI a/c with Citibank (Bombay, Cal, etc.). Leave the checkbook with your
relatives. Arrange so that your folks in India could write checks and withdraw money.
Takes about a week. Also, if you send a personal ($) check to Citibank at NY city,
they transfer the money to your Indian a/c by telex (no charge), wherein Rupees are
credited (current rate).
9. Cable Transfer through SBI Chicago ($16 charge). Takes about 3 days.
10. NRI a/c with SBI NY, or BOI San Francisco. You can have a predesignated
beneficiary in India who could draw in Indian Rupees in India while U pump $ here in
the USA.
11. Morgan's Trust/Hanover's Trust Cashiers Check/Demand Draft. You can get these in
most US banks.
12. Chase Manhattan Drafts from Bank of Baroda. Fast. Service charge present.
13. SBI San Francisco Bank Draft. Service Charge $7. #(415) 956-6326.
14. Credit Card. Get a VISA card. Get an extra card for your relative in India. They can
take cash advance and you can cover the charges from here in the USA.

COMINNG TO AMERICA 39
PS: Personal Checks are a Debatable Issue. Some say Indian Banks charge a fee while they
mention the opposite. However, DELAY is involved in all cases.

The problem is where is the Money???

COMINNG TO AMERICA 40
 24. Towards a more American Conversation

U don't open conversation (on telephone) with a “Hello” but with a “Hi”
The telephone is never “engaged”, it's always “busy”.
U don't “disconnect” a phone, U simply “hang-up”.
U never “mess-up” things, U only “screw them up”.
U never have a “residence” tel. no., U have a “home” no.
U don't stop at the “signals”, but halt at the “lights”.
U don't “accelerate”, U “step on the gas”.
Your tire never “punctures”, U may have a “flat”.
The trains have “coaches” or “bogies” no more but “carriages” or “boxes”.
There R no “petrol bunks or pumps”, but “gas stations”.
“I don't know nothing”, 2 negatives don't make a positive here.
U no longer meet a “wonderful” person, U meet a “cool” guy
U don't pull the “switch down ” to light a bulb, rather “flick it up”.
U don't “turn on the heat”, U “turn on the juice”.
There's no “Business Area” only “business districts”, and no “districts” but “counties”.
No one stays “a stone's throw away”, might “a few blocks away”.
There's no “Town Side”, it's “Down Town”.
In hotel U no longer ask for “bill” and pay by “cheque”, rather ask for “check” and pay
with (Dollar) “bills”.
There R no “soft drinks”, only “sodas”.
Life's no longer “miserable” it “stinks”.
U don't have a “great” time, U have a “ball”.
U don't “sweat it out”, U “work U'r butt off”.
Never “post” a letter, always “mail” it and “glue” the stamps, don't “stick” them.
U no longer live in “flats” or “blocks”, find an “apartment”.
U don't stand in a “queue”, you are in a “line”.
U no longer “like” something, U “appreciate” it.
“#” is not “hash”, it's “pound”.
U R not “deaf”, U have “impaired hearing”.
U R not “lunatic”, U are just “mentally challenged”.

COMINNG TO AMERICA 41
U R not “disgusting” U R “sick”.
U can't get “surprised” U get “zapped”.
U don't “schedule” a meeting, U “skejule” it.
U never “joke”, U just “kid”.
U never “increase” the pressure, U always “crank” it up.
U never ask for a pencil “rubber” U ask for an “eraser”. A “rubber” is a “condom”
U don't try to find a “lift”, U find an “elevator”.
U no more ask for a “route” but for a “RAUT”
U don't ask somebody “How r u ?”, U say “What's up dude?”
U never go to see a “game or a match”, U go to watch a “game”.
U never go to a “theatre” (theatre is a place for dramatic presentations), U go to the
“movies”.
If U see “World” champions (or Series), read “USA” champions (or Series).
There's no “zero” but “o”, no “Z” but “zee”.
There's no “FULL STOP” after a statement, there's a “PERIOD”.
If someone gets “angry” at U, U get “flamed”.
You don't say “How do you do”, you say “How you doin”
U don't call UR boss “sir”, U call him by his “first name”.
In short, U don't speak “English”, U speak “American”.

Well u don’t say life is boring u say “LIFE SUCKS!!!”

COMINNG TO AMERICA 42
 25. Last Word

Stress is a part of professional life and more so when you are living in an alien country.
The sooner you understand and accept it the more easily you will adapt to your new
environment. Depression and homesickness are symptoms that you should look out for.
With this we all feel you will be confident and may be able to come out with your own
User Manual. But before we leave, we would like to tell you about "The Culture Shock"
that you might feel. Try to position yourself on this graph. The graph shows typical phases
in the culture shock. It just makes you feel good, if you know that others are in the same
boat!!!

Still want to come to America .........!!!!!!

COMINNG TO AMERICA 43