美國升大學

Radiomama

ckh689 發表於 22-3-31 19:52
你當時在美國還是在香港開戶？我女兒用的正是美國銀行的學生戶口，如我之前回覆樓主所言，我也不確定銀行有 ...

多謝你的說明，另外有説學校稍後都會有enrollment package, 到時再睇會唔會有介紹銀行戶口等。

幫孩子申請信用卡或debit card, 兩者有咩分別？如果要有ATM 功能，應該是哪一種？邊張咭service charge較多平？

barque

請問美國讀書有冇什麼特別的保險要買？或者通常買那些保險？

ratafan

Before you go: open a bank account at same bank for both yourself and your child. Citigold doesn’t charge extra if you transfer to USA . Not sure of other banks

And I also arranged supplementary credit card for him plus help him get a debit card for his own bank account.
Credit card : upside ->flexible and if you lose it, just call card center
Debit card: a back up but u need to first deposit money there first. Downside -> you lose the card, the money in it are gone

After arrival at US:
Step 1: when you arrive in US, go to mobile provider and get a plan and hence phone number
Step 2: go to any local bank to open bank account

Ask for bank remittance details and give it to u so u can do remittance to him in future
And the bank account would usually come with cheque book and a debit card.
If he needs to use Uber or doordash, need to link to a card. Better to link to that card as sometimes certain merchants ask for OTP and you can only get that number of you register it with a local phone number


Suggest you open bank account in US for his cash withdrawal or operate online shopping, and they would ask for phone number.
He can apply credit card later when he stays longer time there. But at start I am afraid he can only get a debit card from his bank account there .
And no single bank dominates in whole USA. It really depends on the city . So pls ask the school which bank is more popular round that area and decide where you open a bank account

For myself, I ask my child to use my supplementary card as much as possible for easy control. It depends on whether u want to give more autonomy to him or not.

ratafan

Driving licence is actually quite important in certain states. See if you would ask the kids to learn driving before going

ratafan

barque 發表於 22-3-31 21:23
請問美國讀書有冇什麼特別的保險要買？或者通常買那些保險？

Do it with school. It’s a must. Don’t ever run to casualty randomly. You would be broke. People usually visit cvs (a pharmacy) if they catch a cold and grab some otc medicines. They also offer flu shots at cvs. Carry their insurance card with them all the time.

ratafan

Some kids like to trade US stocks as a little hobby. US equity allows to trade even one share. Open an IBKR account in hk before going and link it to his bank account in hk. It’s hard for them to do it in Us as they need social securities number to do it. They don’t have that number if they are new students. Just to share my experience with u guys .

ckh689

Radiomama 發表於 22-3-31 20:21
多謝你的說明，另外有説學校稍後都會有enrollment package, 到時再睇會唔會有介紹銀行戶口等。

幫孩子申 ...

Credit card與debit card的分別主要是記賬和即付的分別，兩種卡基本上用途都差不多。Debit card 需要用密碼，並即時直接由戶口提取款項，因此銀行戶口內需要有足夠存款，才可以用來購物或提款，若需要ATM提款當然是用debit card，因為信用卡提款要收取利息，這和香港一樣。Student account通常都不設存款淨額要求，並豁免某些收費，我女兒的戶口基本上沒有甚麼收費，記緊不要overdraft，信用卡不要過期還款就可以了。其實在美國已很少人用現金，甚麼也是電子支付，而且大學會將meal plan money load 到學生證上，meal plan 通常包括 meal swipes及dining dollars 兩部分，學生可以拿著學生證到飯堂取餐或大學商店/餐廳使用，也不需要用太多現金。

dlam141231

信用卡方面作些補充, 兒子赴美前我便跟他說抵埗後儘快申請信用卡, credit limit低唔緊要, 記得每個月都要用, 不要過期還款, 這樣做是為了build up credit, 他是要長期居美的, 有好的credit, 將來才好向跟銀行贷款買車買屋, 其實到後來租賃公寓房東也會要求credit check.

dlam141231

barque 發表於 22-3-31 19:33
STEM科目OPT是二年嗎？

是3年

dlam141231

ratafan 發表於 22-3-31 21:46
Some kids like to trade US stocks as a little hobby. US equity allows to trade even one share. Open  ...

好提議, IBKR算是目前收費最相宜的平台, 有興趣的可先設虛擬賬戶學習操作.  

此外它有一個功能是我丈夫喜歡用的, 就是兌換外幣, 他說差價比銀行低許多, 若有較大筆金額需兌換, 用IBKR平台, 十分化算.  但不要問我如何操作, 我不會的.  


跟進: IBKR開戶有年齡限制, 要看地區, 大部份地區cash account是18歲(日本20歲), margin account是21歲.

ratafan

dlam141231 發表於 22-4-1 00:20
好提議, IBKR算是目前收費最相宜的平台, 有興趣的可先設虛擬賬戶學習操作.  

此外它有一個功能是我丈夫喜 ...

How does your child spend winter or spring breaks there?

dlam141231

ratafan 發表於 22-4-1 10:47
How does your child spend winter or spring breaks there?

印象中, 好像沒有甚麼特別, 他朋友很多的, 在Manhattan生活不會太無聊.  

barque

beastiebistro 發表於 22-3-30 10:04
回覆 dlam141231 的帖子

全A學生被某啲UC系大學reject亦都可能關selective rejection事。我睇啲報導話因為 ...

唔知是否因為今年UC唔睇SAT和ACT成績而令到多了很多人報名，學校和朋友當中收到UCB和UCLA的Offer比往年少。有些成績好好學生冇offer, 但是一些成績近似又有offer.

barque

ratafan 發表於 22-3-31 21:41
Do it with school. It’s a must. Don’t ever run to casualty randomly. You would be broke. People u ...

可以在學校買醫療保險嗎？或是要出去自己找合適的醫療保險？

beastiebistro

回覆 barque 的帖子

我認為頗大關係（而且唔止係UC系）。所以再次恭喜你同其他有美國大學offer嘅小朋友。

barque

beastiebistro 發表於 22-4-2 18:20
回覆 barque 的帖子

我認為頗大關係（而且唔止係UC系）。所以再次恭喜你同其他有美國大學offer嘅小朋友。 ...

謝謝！

ratafan

barque 發表於 22-4-2 17:49
可以在學校買醫療保險嗎？或是要出去自己找合適的醫療保險？

Depends on states, government of the state your school is located should hv basic insurance requirement on health insurance necessary on each student enrolled for certain amount credits or over every year. The cover should be available to students on either school website or their enrolment package. Suggest you take a look if you believe that is sufficient. That should cover both in patient and out patient cost and the net amount payable by students is affordable.
Students who hv taken insurance elsewhere can apply a waiver for not enrolling in the plan provided by school. But if the school has a plan already, we didn’t bother do it separately elsewhere.

barque

ratafan 發表於 22-4-2 20:28
Depends on states, government of the state your school is located should hv basic insurance require ...

Thank for the information.

Radiomama

barque 發表於 22-4-2 18:23
謝謝！

下決定往那兒？

barque

Radiomama 發表於 22-4-2 21:29
下決定往那兒？

會去加州