[Assam] white girl, brown guy: Racial profiling?? finance options for NRIs

[umesh sharma]

Bhuban-da,
   
  Thanks for the compliment but for money I am trying for a personal loan -on my own. I have been repaying my student loan's monthly installmenst regulalrly and on time  since Dec 2005 --and yesterday initiated measures so that these repayments get reflected on my credit history - on my SOcial Security Number (SSN) . If I have good credit history I can get loan to stay afloat till my first paycheck on work visa (hopefully) arrives in Nov, 2006.
   
  Its a good advice to scout for magazines to print my stuff - but I never can write fiction and facts are not aways this pleasant. It would be too much of an effort to search for a magazine to take up a single article as a means to boost my finances. 
   
  Thanks and Regards.
   
  Umesh
   
  I already applied for a Citibank loan yesterday (though my credit history is still NILL -since my SSN will only reflect my loan repayments after one week or so) and once my SSN does reflect that I would take up Bank of America (BOA - my bank) on their offer to grant me a credit card with very low (1.9%) rate of interest till APril 2007 . If you have no credit history in US then you get very low amounts of loan and at very high interest rates. Credit cards are also same - BOA-would then only give you a credit line of $500-if you put in a security of $100 in their account --like most Indian techies do when they first land here. Over six months or so - the credit line would inch up to $1000 etc.

BBaruah at aol.com wrote:
      Umesh
   
  It is a good story for publication in a magazine. I hear America pays well for magazine articles. Of course you have to find out the particular type of magazines which will buy your stuff. At one time, just for fun, I used to earn a little money by contributing to all kinds of magazines published in India.Naional dailies also have educational supplements and the editors of such publications may be interested in you.
   
  Just a thought. 
   
  Best wishes
   
  Bhuban
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Umesh Sharma
5121 Lackawanna ST
College Park, MD 20740

 1-202-215-4328 [Cell Phone]

Ed.M. - International Education Policy
Harvard Graduate School of Education,
Harvard University,
Class of 2005

weblog: http://jaipurschool.bihu.in/
 		
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