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981^#

發表於 10-1-13 09:34 |只看該作者

Dear moms,

I found that it is hard for me to apply for a credit card. I think maybe I do not have a job right now and I filled in the income part as household. How can I create a credit history if i haven't any credit card on hand? (I only have credit cards from Hong Kong banks) Besides, I will be charged if i open a saving a/c here (different from HK's), i want to know if there are any banks that will not have such fee.

In addition, as I arrived in US in October 09, do i need to file tax return in US for the year of 2009? I have worked in HK before I came here.

Thanks for your info in advance.

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982^#

發表於 10-1-13 16:32 |只看該作者

原帖由 clay2008 於 10-1-13 09:34 發表
Dear moms,
I found that it is hard for me to apply for a credit card. I think maybe I do not have a job right now and I filled in the income part as household. How can I create a credit history if ...

It is normal to be hard to apply for a credit card as you have not built up your credit history yet. You can instead apply for a debit card from a bank but you have to have a saving account or checking account in this bank first. After 1 year, you should be able to get a credit card. To build your credit, do not pay off the debt in full in the first 3 months but pay more than minimum (as the interest charge is high). Then, after that, you can pay in full every month. This is to tell the bank that you are able and will be responsible to pay your debt. And, the record shows that you pay on time and it's how the credit builds up. Building credit is very important as a good credit can help you to lower the interest rate when you apply for a mortgage and to avoid deposit when you open a cell phone plan plus many other services.

Yes, a lot of banks start to charge fee for their services but I think that the service fee can be waived if you deposit up to certain amount of money into the bank and maintain it in a monthly basis.

For tax filing, I would say yes if you look for naturalization in the future. However, do you have all the documents in hand? It requires the employer's endorsement. You can check the website of IRS to see what kind of documents are needed. www.irs.gov/

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983^#

發表於 10-1-14 01:09 |只看該作者

回覆 1# rose-mag 的文章

Dear rose-mag,

Thank you very much for such detailed info. I don't quite understand why I should not pay the debt in full in the first three months in order to get a good credit history. Can't I earn credit if I pay the debt in full in the first three months? (cos I don't want to pay the interests if I have money to pay the debt).

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984^#

發表於 10-1-14 09:25 |只看該作者

clay,
beside we have the cash visa card as well, you can check with the bank where you set up your saving account. You may eligible for those service as well.

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985^#

發表於 10-1-14 14:47 |只看該作者

原帖由 clay2008 於 10-1-14 01:09 發表
Dear rose-mag,
Thank you very much for such detailed info. I don't quite understand why I should not pay the debt in full in the first three months in order to get a good credit history. Can't I ea ...

That is what my husband told me before. You don't pay in full but you pay on time and it means that you take the responsibility to pay and the bank believe that you will pay the debt in the future. If you pay in full from the beginning, you can still earn credit score but the bank would not like to do business with you because you don't let the bank make money. That's what my husband told me. Honestly speaking, I queried the same thing before but my husband told me that the logic works like that.

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986^#

發表於 10-1-14 23:35 |只看該作者

Dear Nillie_Mami & rose-mag,

thank you very much for the info. Can I build up my credit history by using the cash visa card?

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987^#

發表於 10-1-15 21:55 |只看該作者

Yup, that is what Lam Sau Wing (from CA, a very nice accountant, whom does volunteer counselling on finance) said.
Also, he suggests us to have 2-3 credit cards, not one, or more than that. Sure you need to find a job to get to that point.
Then, after a period of time, your credit will build up.

原帖由 clay2008 於 10-1-14 10:35 AM 發表
Dear Nillie_Mami & rose-mag,

thank you very much for the info. Can I build up my credit history by using the cash visa card?

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988^#

發表於 10-1-19 08:54 |只看該作者

Supplementary to Nillie...you need more than 1 credit card. Personal bankers told me to have at least 2 credit cards for minimum 1 year in order to get approval of mortgage. Therefore, if you want to buy a house in the future and needs to apply for mortgage, you should hold at least 2 credit cards and have good records for more than 1 year. Of course, before you can be accepted to have a credit card, you need to start build up your credit first. Steady income is important to show that you are capable to pay off the debt.

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989^#

發表於 10-1-23 03:28 |只看該作者

Dear rose-mag,

thanks again for your info and advice.

Dear Nillie-Mami,

is the cash credit card = debit card? cos I could not find cash credit card online in the bank websites. Which bank will issue such cash credit card?

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990^#

發表於 10-1-25 22:11 |只看該作者

Clay,
you need to go to the bank to do it.
Those cash credit card, you must have your bank account there as well.
Some of them will give you up to $500 credit.
Such as HSBC, or Bank of America.
There were advertisement for a long time ago but did not see them anymore since the economy crash. You can go to the bank that you have your bank account and ask the bank teller about it.

原帖由 clay2008 於 10-1-22 02:28 PM 發表
Dear rose-mag,

thanks again for your info and advice.

Dear Nillie-Mami,

is the cash credit card = debit card? cos I could not find cash credit card online in the bank websites. Which bank will is ...

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Lillianwong

民房

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991^#

發表於 10-1-25 22:28 |只看該作者

Dear Nillie Mami,

您好!

真高興看到有這個網站可互相交流, 也謝謝您們一直以來的熱心助人。

想請教以下問題:

1. 我媽住在 Brookly 9th AVE, 我一家三口最近已到美國報到, 現在已回了香港。但在美國期間, 我媽媽和住在美國的弟弟們, 弟媳們因家庭事經常吵吵鬧鬧, 她們每一次見面都不得安寧, 我看到, 聽到, 感到相當難過。另一方面, 我們一家在4月份到美國正式定居時, 想計劃一下, 想賣掉香港層樓, 大約有了16萬美金現金, 請問可否在 Brookly 買到細小的房間? 比 Brookly 遠一點的地方也沒問題。我看過美國報紙有co-op 可平售, 什麼是co-op 呢? 我知道買康斗至少都要30多萬美金以上, 但新移民, 銀行不可能按揭呢...。我們唯有考慮遠一點的地區, 只要新來到美國, 有個落腳點就好了, 可否介紹?

2. 我囡囡的老師將會在2月份移民, 他們說已經在 Chenago, Binghamton 買了獨立屋, 大約12萬美金。也有介紹給我們買附近的屋子, 笑說大家有個照應, 請問 Nillie, 那個地區可好嗎?

3. 我丈夫人很勤力, 也很上進, 他在香港的醫院做 Technical Assistant 有多6年, 他想到美國後, 嘗試申請醫院工作, 希望一面工作, 一面進修課程, 可以嗎? 從什麼途徑呢?

4. 在香港生活多年, 到了陌生環境, 有點害怕呢...如果4月份到美國, 可否找您?

期盼您的回覆, 萬分感謝!

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992^#

發表於 10-1-26 15:14 |只看該作者

Dear Nillie_Mami,

thanks a lot for your info. I will go to the bank to ask about it. I read from another post that you have some problems to deal with recently, and hope that now they are all settled. Take care!

原帖由 Nillie_Mami 於 10-1-25 22:11 發表
Clay,
you need to go to the bank to do it.
Those cash credit card, you must have your bank account there as well.
Some of them will give you up to $500 credit.
Such as HSBC, or Bank of America.
There ...

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ukiuki

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993^#

發表於 10-1-26 16:36 |只看該作者

Hi!Lillianwong
我現在在香港等候批, 我姐姐話今年會批,但我的心情也和你一樣, 在香港生活多年, 到了陌生環境, 有點害怕呢!

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ellie79

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994^#

發表於 10-1-26 21:03 |只看該作者

hello~~~

請問各位有無d 網站, 可以搵下工, 搵屋租?
我記得之前有朋友post過~

many thx!

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995^#

發表於 10-1-26 21:38 |只看該作者

Clay2008,
Chase also have that service, if you have a bank account over there, you can ask them as well

Well, life is not easy, especially ..staying in a country without help. Well, I should say "without" help.. just most of the time, you don't know where the resource is. Also, no family member around when you need help.. that is really difficult to make the life sometime.

原帖由 clay2008 於 10-1-26 02:14 AM 發表
Dear Nillie_Mami,

thanks a lot for your info. I will go to the bank to ask about it. I read from another post that you have some problems to deal with recently, and hope that now they are all settl ...

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積分: 7794

996^#

發表於 10-1-26 22:07 |只看該作者

Lillianwong

1. 大約有了16萬美金現金, 請問可否在 Brookly 買到細小的房間? 比 Brookly 遠一點的地方也沒問題。我看過美國報紙有co-op 可平售, 什麼是co-op 呢?
For Co-op, it is much cheaper, but co-op, you only buy the share from that housing company, you do not own that house. Therefore, it is cheap. Even if you wanna buy the co-op, it is not very easy, because they have the group to evaluate if you eligible to buy it, your job, your income, your credit. As you will just land in NYC at April. That is not an option.
In Brooklyn as cheap as $100.000 you can get an co-op, but you don't dare to live there.
我知道買康斗至少都要30多萬美金以上, 但新移民, 銀行不可能按揭呢...。我們唯有考慮遠一點的地區, 只要新來到美國, 有個落腳點就好了, 可否介紹?
At the begining, I would suggest you to rent an apartment and take your time to search for the house. You need to be there in person to LOOK, do not rely on anyone. Because other people do not know what you want and how much you could afford.
$160,000.. I won't suggest you to use all of those money on your house.. as you don't know when you can get a job, also, your husband wants to go back to school. that is money.
At the begining, rent somewhere close to Brooklyn, or staten island, Queens.. then, once you know the area, you can start to find house.
Ask your mother and sliding, which school area is good. Then, concentrate to find the rental apartment over that area. Therefore, you can save money for something else.
2. 我囡囡的老師

將會在2月份移民, 他們說已經在 Chenago, Binghamton 買了獨立屋, 大約12萬美金。也有介紹給我們買附近的屋子, 笑說大家有個照應, 請問 Nillie, 那個地區可好嗎?
If your English is very good, and you don't mind not to see any Chinese at daily base, that will be fine for you. It is 3.5 hours driving (your own car, not public transportation) away from Brooklyn, if there is no traffic. Therefore, the house overthere, sure much cheaper. if you consider something like that. I would rather suggest you to live in North Carolina. Which you have a lot of Chinese surround you with almost the same price. At least you have chinese supermarket, newspaper, radio, and restaurant. Hope you won't mind.. I am not to be "mean" to say that.. but if you mention that you don't get used to western life style..Binghamton may not be the place for you.
3. 我丈夫人很勤力, 也很上進, 他在香港的醫院做 Technical Assistant 有多6年, 他想到美國後, 嘗試申請醫院工作, 希望一面工作, 一面進修課程

, 可以嗎? 從什麼途徑呢?
He needs to prepare all his license, transcripts etc in hk, and then, do the verification in CGFNS (http://www.cgfns.org) . All licenses from overseas countries must use CGFNS to do the verification and approved by dept of education in that state (in your case) your husband needs to submit the license to Dept of edu in NYS. To work as a technical assistant --I don't know what area he is in, he needs to get a license and registration before he goes and applies a job. If his education is not qualified. He may have to bear in mind that he needs to study at school and get the proper license before he could work in US again.
Here in US, many professions offer continuing education. There is not a problem. Once he has license verified and qualify to find a job, find those hospital which will sponsor him to go back to school.
4. 在香港生活多年, 到了陌生環境, 有點害怕呢...如果4月份到美國, 可否找您?
We are very welcome, many families once they landed in NYC, they will come to our house for a warming party.

Thing you need to do now.
1. ask your family about which location is good for your daughter to start her school. This is the most important thing right now. Remember to have the immunization card with her, otherwise, no school will accept her application, or she will have to receive all those shots again.
2. Once you know the zone school, search online in this 2 months to find the rental apartment, and compare the price.
3. you may have to stay with you family for 1-2 weeks for support (before you get your apartment), set up bank account, get your social security card, green card, get your driving license if you get enough point. Get health insurance for your daughter thru Child Health Plus (low income insurance in NYS), family income lower than $80,000 per year (pre-tax).
4. Once you get settle down, then find job first. Because you can not buy a house without an steady income, you can buy house, but remember, as you only have $160,000.. Try not to get something more than $250,000.. as you have to pay all different tax and payment, fix the house and buy funitures... well.. you may know better that I do.. Have your family to go with you if you have to sign any paper.

Good luck. if you need any other help, YELL.. ok?
regards,
Nillie

[ 本帖最後由 Nillie_Mami 於 10-1-27 08:51 編輯 ]

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997^#

發表於 10-1-26 22:16 |只看該作者

In general, monster.com -- nationwide is a big one.
It depends on what kind of profession you are looking for, as they have there networking.
For rental.. which state are you living?? again.. it is the networking.. it depends on where you live.

Good to go to googles or yahoo. type in
"state" then, other key word. search as rental apartment, house, co-op or condon.. something like that.. then, thousands of website will pop up.

原帖由 ellie79 於 10-1-26 08:03 AM 發表
hello~~~

請問各位有無d 網站, 可以搵下工, 搵屋租?
我記得之前有朋友post過~

many thx!

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積分: 174325

998^#

發表於 10-1-27 05:35 |只看該作者

原帖由 Nillie_Mami 於 10-1-26 22:16 發表
In general, monster.com -- nationwide is a big one.
It depends on what kind of profession you are looking for, as they have there networking.
For rental.. which state are you living?? again.. it is th ...

craigslist.com is a good source for rental and find job too. It's very localized. Other than rental, job, there are other services such as car, childcare, 2nd hand buying/selling, classes/groups, etc. But, as Nillie said, when you need to sign documents, check and read before you physically sign, including the fine prints.

For new comers, finding a job through temp agent is also a way to start if you don't have the luck to find a perm one yet. Sometimes, people are hired from temp to perm if they perform good at work. I was given a good offer after working for a company as a temp some years before.

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ellie79

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999^#

發表於 10-1-27 16:38 |只看該作者

係啦係啦...係呢個啦~ 唔該~

原帖由 rose-mag 於 10-1-27 05:35 發表

craigslist.com is a good source for rental and find job too. It's very localized. Other than rental, job, there are other services such as car, childcare, 2nd hand buying/selling, classes/groups, et ...

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ellie79