Paypal攻略-开立 美国银行账户 -Bank of America Account for Chinese paypal users.

美国银行账户和提款卡提取paypal资金的妙用

很多有着相关外贸或者是ebay销售经验的同学们都曾经苦恼过paypal里面挣得的外汇如何提现回国内的银行账户,或者是兑换成现金。之前有他人提出过开立美国账户的想法,今天具体说一下我的实践经验总结,供大家参考。 美国银行账户

There were many Chinese paypal users who suffered from withdrawing funds from paypal. They were advised by some others to set up an american bank account to receive the fund for free. I had a few experiences to share recently.

一,选择银行。Choice of Bank

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走在美国的街上能看到不少大大小小的银行,网点比较多的有Bank of America(美国银行),Chase(摩根大通银行),Wells Fargo(富国银行),US Bank(全美银行) 在开立银行账户之前,我就已经就这四家银行提供的各种账户服务做了对比, 我需要在他们提供的各种支票和储蓄账户中选择出适合paypal撤资和在中国取款提现的。最后,我发现了美国银行(Bank of America)的ebanking账户符合所有的要求。

If you walk on the road in the us, you will be amazed at the banks you see. I saw four major banks with significant number of ATMs and Branches, namely,Bank of America, Chase Bank, Wells Fargo and US Bank. Before you open account with them, you need to know all the details of the accounts they offer. After careful investigation, I found the ebanking account of Bank of America serves all my needs to deal with paypal.

第一,ebanking账户只要不在柜台办理业务就不会产生月费。第二,美国银行和中国建设银行有合作,美国银行会把持美国银行借记卡在中国大陆境内所有建设银行ATM的交易视为本行内交易。也就是说,基本上是零手续费,就可以在建设银行的取款机上取出美国银行借记卡内对应账户的资金。

First of all, ebanking account applies no monthly fee as long as you avoid using teller’s service at the counter. Secondly, since there is a treaty signed between Bank of America and China Construction Bank so that all bank of america debit card transections made on ATM of China Construction bank within mainland China, will be considered internal transection by Bank of America, so that you can have access to your funds in your checking account on China Construction Bank ATMs and pay almost no fee.

二,赴银行网店开户 Go to set up the account at a bank branch.

在地图上搜了离家最近的美国银行网点,便是 美国银行 Santa Ana 支行。驱车前往之前,现在在线咨询获得了赴银行开户之前需要准备的资料。

I searched for the nearest branch of Bank of America. It appears its Santa Ana Branch. Before going, I talked to their online personnel to double check the documents I have to bring in order to open an account.

1, 第一种身份证件。 First ID

2,第二种身份证件。  Secondary ID

3,开户的最低存款。 Minimum opening deposit

4,有效美国地址证明文件。Valid American address.

开户的过程,有人全程指导,我就不多说了,需要注意的是,要在开户一周之后才能收到印有你名字的借记卡,卡片会寄到你提供的美国地址。

The process of opening an account is easy, and is fully guided. But be imformed that it costs about a week for you to receive your debit card with your name. Card will be mailed to the address offered by you.

三,导入银行账户到paypal。 Add the account to your paypal.

有时候 paypal处于安全考虑会拒绝你添加美国银行账户,所以你要做的是及时跟paypal的客服沟通,让他们能够确认你的身份,并且允许你添加相关账户。

Sometimes, for security reasons, paypal will not allow you to add an US bank account, unless you call their Customer service and have your identity confirmed.

完成了这些过程之后,你从paypal的提现将会变得非常简单而且机会没有费用。加油哦。

After all these, the withdraw of funds from paypal will be easy and almost no fees. Good luck.

美国游学 就医须知-Visiting a doctor during your study tour in US.

很多同学抱着非常欢乐的心情来到美国参加各种 游学 活动。而带队老师们面临的最大问题就是如何保证学生在美国逗留期间的人身安全。当然大家都不愿意看到学生遭遇意外或者受伤,但是我们却需要了解一些这方面的知识,万一遇到紧急情况,会知道如何进行处置。

Many students come to the US study tour with great delight. But what teachers are worrying is the safty during the stay in the US. Although no one likes to see an accident, we do have to know the precedures of visiting the hospital in the US,just in case.

参加任何美国 游学 项目请一定在出行前确定好是否有购买好游学期间的医疗保险。由于美国医疗体制的问题,医药费用异常高昂,如果没有医疗保险,若面临上万美元的医疗账单,将会非常被动。

Before you leave your home country, make sure you have got a medical insurance for your staying in the US. Due to the medical system in the US, Medical service could be extemely high priced. Given that you have no medical insurance, you will have great difficulties paying off the medical bills of thousands of dollars.

ER

美国看病分为门诊和和急诊。若在工作时间可以看门诊,非工作时间遇到情况,急诊是唯一的选择。

In the US, similarly, there are out patient department and the ER. If you are visiting the hospital out of the working hours, the ER seems to be the only choice.

门诊的流程相对简单,跟国内看病的流程大同小异。但是急诊和国内有所区别。在美国,你遇到任何紧急情况都可以打电话叫救护车,然后被送到急诊。美国有相关法律规定,急诊医生在为病人诊断治疗的时候,不允许考虑病人的支付能力,也不允许急诊室以费用,民族,宗教,是否有合法身份等任何理由拒绝为病人救治。言外之意就是说,是一个人送到了急诊,急诊室就必须不惜任何待机,尽全力加以救治。急诊完了之后,病人就可以离开,整个过程似乎不需要收费。

Out-patient department is very similar to what it is in China. But not the ER. In any emergency, you are free to call for an ambulance, and then be sent to the ER. Laws in the US states that No doctor in the ER shall consider the financial ability of the patient. And the ER must not refuse treatment due to reasons like a patient’s legal statues, or religion. That is to say, everyone will be carefully treated to the best extent in the ER. And, after the treatment, you are free to go without even paying any money.

急诊账单

但是急诊过后,基本上会产生几千甚至几万美元的天价账单,这些帐单会被送到你所填写的地址,请在急诊完登记时向医院提供你的医疗保险,并保存好单据,以便日后报销使用。

However, several weeks after the treatment, a bill will be sent to your mailing address,please be sure to provide your medical insurance information at the registration,and as well keep your receipts for furture reimbursement with the insurance company.

美国homestay住宿家庭居住法则-Few things to bear in mind with American Homestay.

一,礼貌 Be polite

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很多中国学生高高兴兴的去了美国家庭寄宿,但由于文化等种种原因没有表现出美国人眼中的礼貌,造成不好的观感,影响整个游学心情,再次提醒礼貌是最重要的一条法则。这首先包括了每次看到住宿家庭监护人和家庭成员的时候应该热情的打招呼,以示友好。对于自己不懂,不理解的人和事最好是能坦诚地提问。另外,一定要尊重寄宿家庭的宗教信仰和隐私,不要对这些内容妄加评论。

Many Chinese student come to the US with great delight, they are also excited about homestaying,however, due to the difference of cultures and customs,sometimes, Chinese students failed to “be polite” in the target culture,which further leads to discomfortness. One important rule about polite is that a student should always greet your homestay family members. For the things you don’t understand, it’s ok to ask honestly.One other rule is, repect the religious belief and privacy of the homestay family, never ever make any judgements about these sensitive issues.

 

二,不要带大量现金 Don’t bring large amounts of cash with you

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来游学的孩子基本都没有成年,自己无法申请信用卡,而又不能刷父母的信用卡。所以很多同学因为需要购物而带大量现金来到美国学习。这是不可取的。第一,来的目的以学习为主,购物并不是主要目的。第二,对于美国的治安,我无法妄加评论,但是如果你带有大量现金,势必会引起不法分子的注意而给自己带来不必要的麻烦。第三,若有需要花钱,可以出国前由父母办理信用卡的附属卡,或者直接自己去银行办理银联借记卡。银联网络逐渐广泛,基本能刷卡的地方都已经接受了银联卡。若需要VISA和Masterdcard 借记卡,可以在北京银行,华夏银行,工商银行申请办理。

Students coming to the US are mostly under the age of 18,so that they are not eligible for applying credicards, nor can they swipe their parents’ credit cards, so that cash seems to be the only option.However, this is not recommended. Firstly, bear in mind the purpose of coming is to study, not shopping. Secondly, it is hard to estimate or comment about safty in the US, but if you have a lot of cash on you, you will be targeted by criminals leading to serious consequences. Thirdly, if you would like to have money with you, try ask your parents to sign up a creditcard under their credit account before your departure. Or you can also sign up for a UnionPay credit card. Unionpay is becoming more and more popular almost everywhere. In case you really need a VISA or MASTERCARD, try apply those cards in Bank of Beijing, Huaxia Bank and ICBC.

三,有问题,及时沟通。 Always Communicate.

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   之前碰见有学生说家庭对他们很差,甚至有同学说受到了虐待,只给蔬菜,不给肉吃。而且每顿饭量就一点点,根本吃不饱。还有的同学抱怨空调太冷了,感冒了,家里有宠物乱叫等等一系列问题。其实出现这些问题的根源在于住宿家庭不太能够理解中国学生的思维方式,他们会非常注重沟通。如果饿了,你要告诉他们,他们会给你更多食物。如果你冷了,也请告诉他们,他们会给你带来更多的保暖用品。甚至你觉得饭菜不好吃,也请告诉他们,这样他们可以根据你的口味改善。总而言之,这些问题如果得到良好的沟通,将会让你的住宿家庭体验更加舒适。

I have seen students complaining about food, temprature staff a lot. Some of them even say they have been tortured by not eating meat at all.Those problems occurs when it lacks communications between you and the host family. Host families, typically American families, have no idea about the Chinese culture at all. If you have a problem, please communicate, and they will get it fixed. Like if you are hungery, then say you are hungery, if you are cold, tell them to bring you a blanket … Good communication makes your homestay experience much better.

国际高中 的英语课堂到底应该干什么?

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从培训机构加入北京的一所 国际高中 担任英语教学任务,已经快有一年的时间了。从风风火火伶牙俐齿地教授考试技巧,答题思路,甚至是考试中合理“套分”诡计的一名实用性超强的老师,转换成了唯唯诺诺每天必须带着学生扣单词听听力,对练口语,组织课堂活动的一名课堂引导者,这个过程当中其实不断地充斥着英语教师教学思路的反复冲击,教师角色的反复移位,和对语言教学的更深层次思考。到现在,我可以尝试的来回答一下,国际高中的英语课堂到底应该干什么这样一个复杂的问题。

要回答这个问题必须先了解到以下的几点情况:1.学生都是要出国的,不参加高考。2,学生每天会有多节英语课,若是再把用英语教学的AP课程算在内的话,总时间可能达到五个小时。3,学生有留学考试(托福)这样一个必须要迈过的坎。4,学生在校外对考试类培训有着丰富的选择。

学习英语VS学习留学考试

留学考试的目的是为了测试学生的语言能力,托福考试甚至为了真实模拟学生以后在国外的生活中会遇到的各种问题,下足了功夫。托福考试的学科内容更是包罗万象,让学生看到了不少难度。很多在学英语上遇到困难的学生,甚至学不下去(多数情况下是由于偷懒)的学生,就会去寻求另外一种能让自己快速获得考试分数,而不在乎自己英语能力提升的“捷径”。为了很好的迎合这样的市场,当然,就会相关的企业推出合乎口味的教育产品来满足学生的需要。

我很高兴地看到,市面上的不少英语培训的产品,还能做到很好地兼顾二者,在以教授考试技巧提升分数的前提下,其实“暗暗地”通过巧妙的重复练习,帮助学生真实提升了英语能力,那么这样的结果是双赢的。当然,也有另一种情况,咨询-保分-交钱-上课-没过-扯皮。

学习英语和提高留学考试成绩,本不应被撕裂开来,但是由于某些学生确实笨到认为可以不学英语来提高英语考试成绩,所以为了挣到这部分学生的钱,有良心的培训机构也只能借着培训技巧的同时,“偷偷地”锻炼学员的英语技能,最终帮助学生达到目的。只是,事后,学生还会认为他们成绩的提高,并不是因为他们学了英语,而是因为他们学了考试的秘密,并且一代代传承下去。

所以,总结起来,没有人可以在不锻炼你英语能力的情况下,让你的英语考试成绩有意义的提高(托福全选C也能考不少)。

理清了这两层关系,再来回答国际高中里的英语课堂到底要干什么?

第一,高强度地,高校地锻炼学生学术英语的各项技能。

我总愿意把这摆在第一位的原因源自我的个人经历,尽管我到目前,仍然爱讲考试技巧,但我在从来没有接受过任何考试技巧培训的前提下,凭借自己苦心练就的英语能力,确实考出了比花大价钱,接受了大量考试培训的学生成绩考得更高。打住,这样说并不是要否认培训的价值,而是要强调,“锻炼”的重要性。

第二,广泛的接触各种学科,各种类型的英语听说读写材料。

如果把学习语言的目的,仅仅归结为通过考试,或者是拿通过考试来作为学习语言的终极目标,这简直是侮辱了语言这个只有人类才有的宝贵财富。若是学会了一门新的语言,就像是开启了另一座知识宝库的大门,你想学到的,你感兴趣的任何知识,都能从中获取得到。通过英语来接触过去的,现在的,将来的,科技的,人文的,艺术的各种语言材料开阔视野和激发兴趣。

如果拨开,培训,考试,国际高中,英语课这种一层一层的标签和外衣,最后还要再探讨一下语言学习的几点理论和方法这个本质的问题,在 The Study of Language这本书和其他一些语言学的书籍当中,我们可以清楚地了解到目前常用的第二语言教学方法,总结起来无外乎,传统法(语法翻译),短句法(重复训练)和交际法(语言沉浸)。不管谁教,在哪教,怎么教,教什么,都只是为了更好的实践这三种方法中的一种或则几种而已。

作业批改:托福写作中论述效果提升小技巧。

   今日托福写作选修课上一同学交上来一篇作文,写作的题目如下:

   “Some people think that the automobile has improved modern life.  Others think that the automobile has caused serious problems.  What is your opinion? Use specific reasons and examples to support your answer.”
   学生在论述第一个观点节省时间方便高效所有的细节当中写下了如下一句话。
  ” It is very simple that from City A to City B, you need to spend 3 hours walking if you can not go by the car but on foot.”
    先放下句子中的语法错误不说,我想借这句话探讨一下,如果达到更加精彩的论述效果。
    首先,明确第一点,要说明汽车的方便高效,这个地方采取了对比论证。对比论证成功与否关键要看,是否制造出来了令人“印象深刻”的对比,而这种对比又是否“恰巧”说明了要论述的论点。要做到印象深刻,有一个很好的手法,那便是在时间对比时,在表示时间的单位上大做文章。
    我曾经见过一个有些恐怖的网站,正是采用了这种手法。该网站让你填入一系列个人信息,最后计算出一个人的死亡事件,和举例死亡的倒计时,并且倒计时用的是,秒,作为单位,可想而知,一个人看到自己的生命在一秒一秒的动态减少时,心里会有多么震撼,而若是告诉你,你将在七八十年之后死去,估计大家都不会太在意了。
     所以写文章的时候,也应该很好地做到这一点,我们可以拿30分钟,跟4个小时做对比。小时,总能给人一种更“漫长的”概念和感觉,让读者真的意识到,哇,开车真的是节约了我不少时间哦!
    第二,这还是一处举例论证,可惜举的例子不能让人信服,City A,City B这样的例子一看就是随口乱造不曾真正思考,试问如此假的例子又如何来作为论据说明论点呢?在写作的过程当中即使多数情况,例子并不是来自于真实的某个特定事件,也应该来自于对生活的总结。咱们不妨把例子改成,每天从家到学校,或者是从单位回家,又或是周末时从家去公园这样的例子来加以提到,让人感到这样的例子是真实的,而不是被人以论述为目的生拼硬凑的。
    综上所述,在不改变句子大意,单词难易程度的情况下,原句可以做如下修改:
   From home to school, a normal distance usually covered in half an hour by car, will cost you 4 hours of tiring walking.