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Live in USA

A

asd22

Registered Users (C)
To all GC winners already in USA,

How do you like your new life in USA, is it like you have been expected, is it better or worse. I would appreciate if you share your experience with all of us DV winners, and give us some practical hints and advices. What are the 'problems' at the beginning, after few months and later, are there a lot of administrative things to take care of etc., etc.

Tnx
 
asd22 said:
To all GC winners already in USA,

How do you like your new life in USA, is it like you have been expected, is it better or worse. I would appreciate if you share your experience with all of us DV winners, and give us some practical hints and advices. What are the 'problems' at the beginning, after few months and later, are there a lot of administrative things to take care of etc., etc.

Tnx
Click to expand...

I dont know where your from but if you are from a third world country where its hard to make a living, just consider the US as a modernized version of that. Not as easy as it seems from the outside buddy. Lots of oppurtunities though.
 
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Johnkent said:
I dont know where your from but if you are from a third world country where its hard to make a living, just consider the US as a modernized version of that. Not as easy as it seems from the outside buddy. Lots of oppurtunities though.
Click to expand...

tnx for the answer.
I am from EU, but here is quite ok, hope is the same in US.
 
If you come from EU, you will see little differences that might be strange or annoying. I come from a country which is British based system

SO i find everything here to be either opposite or strange
But you will get used to it

Financial/Bank system are probably a wee bit of challenge to get grasp initially
I went to a Home ownership class (FREE) which was state run and learnt a lot on purchasing/investment in properties work.

Also shop around for insurance/mortgages. Theres so many options available you will be overwhelmed initially. Anything that involves financial stuff, you credit report will be required. You can get a secured credit card (credit limit equals what you put down as secure deposit) initially and build up your credit by paying it off in full every month. Anything form looking for apartment for rent to getting car/mortgage loan will require your credit report

Be carefull with anything that can bring a lawsuit. Here in US you can be sued for any little thing. Its good to be covered via insurance. Work ethisc are very strong. You work hard and play hard. Americans may seem rude/blunt but its because of their nature...they are frank and to the point, and compliment what they like etc openly and loudly !

When you come to US for holidays and visit Disneyland/Hollywood etc, you see all the glitter and fun stuff but living here and making a living gives you real insight into America. Financial opportunities are heaps and making money is not hard at all. You will may only be disappointed with their tax system and every freakin thing incurs tax. However when you file txa return (compulsory in USA) you may claim it back.
 
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tnx for the answer DV07

Tnx for the answer DV07

I am very confused about this credit history what they have there, for example why do I need credit card, I would prefer to purchuase with debit card. How can you 'build' good credit history most easyly?:confused:
 
asd22 said:
Tnx for the answer DV07

I am very confused about this credit history what they have there, for example why do I need credit card, I would prefer to purchuase with debit card. How can you 'build' good credit history most easyly?:confused:
Click to expand...


DV07 right, getting finically set up in the US is a pain in the arse. In Europe most credit reporting is based on you proving how much you earn, but everything there is based on your credit report, which is linked to your SSN. Obviously you can just use debit cards to buy stuff, but this won’t really help you build up much of a report. You will have to get a secured card to start off with and use that instead. The better your report the better deal you will get on loans, mortgages and so on, and the differences can be quite significant. There are lots of things that you will have to change and get use to if you do move to the US this is just one of those things. Remember that it is a different country after all, so it’s going to have all different ways of doing things. You will get use to it; people are very adaptable in practice.
 
hi, am dv07 winner waiting for interview next month.

What we are going to do after end CP? how do we get GC? how will be live in USA?

Thanks,
jammy
 
You can get more information on Credit Report/Score if you go to:
http://www.myfico.com/

Down at the very bottom click for documents under "Credit Education Documents"

FICO score is basically your credit score which ranges between 300 - 850
and it is this scrore that Lenders/Organisation predominatly use to either give you credit/ low mortgage interest rates / Insurance rates etc

BY making regular payment every month for a credit card (keeping balance zero ideally) it affects positively in your credit report and builds up the credit scrore.

If you just use your debit card it has no effect on your credit scrore/report
 
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