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(800)592-2000
Boston KEYSPAN(gas):
(617)469-2300
You will be billed every month and the charges will depend on your use of the services. When you want to terminate service be sure to notify the companies in advance of your departure so that you will not be billed for service that the next tenants use.
To have a telephone installed and local service established, you must call the Service Representative of Verizon at 1-800-8709999. (There is another company, RCN, competing for local service. Their phone is 1-800-8917770.) Business hours are from 7:30a.m. to 8:00p.m., Monday through Friday, and 8:00a.m. to 5:00p.m. on Saturdays. You can usually arrange for service within the week. You will have to pay an initial installation fee.
The basic monthly charge for local calls depends upon the type of service you request. Generally, you can order unlimited calls for $16.99 per month. We suggest you don't order other fancy services until you know what they mean.
There are extra charges for long distance calls. You can choose one or more long distance companies for your calls to other area codes in the United States. Call the long distance companies directly to find out their rates and service. Select the best program for you depending on your calling habit. (The rate is usually lower in weekend than in weekday.)
MCI: (Mandarin)
1-800-7770958
(English) 1-800-8880800
Sprint:(Mandarin) 1-800-8779139
LCI: (Mandarin) 1-800-9898288
There are some other small companies. However, their reliability
is hard to say. You may join one company first and switch to others
when their sales representative offers you a better deal. For
now, calling to mainland China at around $0.30/min is reasonable,
and domestic call for 10 cents/min in weekdays and 5 cents/min
in weekends. You can also buy cheap calling card on-line or in
supermarkets in Chinatown or on-line. The rate can be as low as
$0.12/min to China. But some calling cards issued by small companies
are not reliable. The company may disappear before you finish
the card, or they charge high
connection fee every time you make the call, or the quality of
the call is poor. So be cautious when you buy calling card. Don't
buy too many at one time and better use it up ASAP.
Telephone Directories
The White Pages of the telephone directory list names and phone
numbers of Boston residents in alphabetical order. (You will be
asked whether you want your name and address listed in it or not
when you have your phone connected. You have the choice to say
"NO".) The Yellow Pages directory, which for larger
cities is a separate book, contains telephone numbers and locations
of businesses listed according to service. It can save you much
time and frustration in locating needed services.
There will be several bank workshops during orientation to help you open a bank account. You can open an account at either UStrust. Fleet is the most popular bank in New England. They have two on-campus offices at BU, one is located inside GSU, the other is in Kenmore Square.
All banks have office Branches as well as ATM rooms in their base areas. In order to open a bank account, you need to go to an office branch to talk with a service representative. Bring your identification documents (such as passport and I-20 or IAP-66) with you, together with the cash money you want to put into your bank account. For Fleet, you may consider to order Classic Value Package. Decide the amount of money you wish to put into the checking account and the savings account. The service representative will fill out the forms for you as you directed. If you have a large amount of money, you may consider putting some into a CD (Certificate of Deposit). CD yields higher interest rate. Once the accounts are set up, you will receive a temporary check book and a bank card with an access password.
2. Checking
account and savings account
A checking account enables you to write checks to pay your
bills. A savings account enables you to save money and accumulate
interest on your savings each month. BE AWARE that when
you write a check, the funds will be withdrawn from your checking
account. Banks DO NOT automatically transfer funds from
a customer's savings to his checking account. If the funds are
in the savings account, be sure to make a transfer to the checking
account before you write a check. There may be a substantial charge
(from $15 to $30 per check, depends on different banks and if
the amount on your check exceed your credit line of your checking
account, which is called overdraft (tou4 zhi1) protection), if
you write a check that is returned to the bank because you don't
have enough money in your checking account.
When cashing a check, you will have to endorse the back (sign your name on the back of the check). You could cash it either in bank offices or on ATMs.
3. Bank cards (ATM cards
and debit cards) and ATMs
Most Banks issue plastic cards whose purpose is to enable
you to perform many transactions yourself, 24 hours a day, by
either automated teller machines (ATMs) or telephone. These bank
cards are usually free, and are associated with the funds in your
checking and savings account. Through the selection of a secret
password, access is restricted to the cardholder.
You can do a lot of things with the bank card, such as withdrawals of cash, deposits, obtaining update information of your accounts, making electric payments and transfers or even purchasing stamps on ATMS or telephone just by pressing a series of buttons.
There are two kinds of bank cards, ATM cards and debit cards. If there is not any "Visa" or "Mastercard" logo on your card, that is a ATM card. You can use ATM card to get full access to the ATM machines. Some stores accept ATM cards, so you can do shopping at those stores, just slide your ATM cards and then input the password. But the store or the bank may surcharge you certain fee for the transaction. If there is a "Visa" or "Mastercard" logo on your bank card, that means your card is a debit card. Besides having all functions of the bank card, the debit card can be used in the same way as a credit card. You don't need to input password when you make payment. But unlike the credit card, however, you are not borrowing the funds from the bank. You are using the funds from your own checking account, that means the purchases will be charged directly from your checking accout. To some degree, it is more convenient than credit card since it saves time for you to write and mail a check to the credit card company every month.
4. Credit cards
Credit cards means you are borrowing money from the bank through
a line of credit which you apply for when you are doing purchase
with the credit cards. The bank where you obtain the card will
send you a monthly bill detailing your purchases during
that period of time. To avoid to pay the interest and the
late-pay fine, you'd better pay the amount in full by the
due date. The credit cards may or may not have annual fee.
The most widely accepted credit cards are .
They are accepted worldwide. There are competing credit cards
such as
American Express and
Discover which are also widely accepted within US. American
Express has special promotions for students, including travel
dicsount coupons, calling cards and store coupons. Discover offers
1% cash back. Usually at the beginning of a fall semester,
some credit card companies will come to BU to solicit new customers.
Simply sign up and wait for replies. You might consider to apply
for the cards without annual fee.
Accumulating too many credit cards without using most of them is not wise. Be very cautious when someone asks you for your card number and expiration date. It's possible that he/she will use this to make purchases through telephone and charge everything to your account. It is very difficult to retrieve the money back once theft like this happened.
1. Laundry
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