Your Guide to California Living
Essentials
Banking
- Choose the Right Bank: Look into national banks like Chase, Wells Fargo, or Bank of America, as well as local credit unions, which often have lower fees. Many banks offer checking accounts with minimal charges for newcomers.
- Set Up a Checking Account: This will be your main account for daily spending. Debit cards are widely used, and some banks offer overdraft protection to avoid accidental fees.
- Consider Building Credit Early: Having a credit history is essential for getting loans, better credit cards, or even renting an apartment. Start with a secured credit card if you’re new to the U.S.
- Use Online Banking Apps: Banks have user-friendly apps for managing your money, transferring funds, and depositing checks by taking a photo.
Housing
- Understand Rental Market Basics: Rent in California, especially in cities, can be high. It’s common to pay the first month’s rent and a security deposit upfront. Websites like Zillow, Apartments.com, and Craigslist are good places to find rentals.
- Lease Terms: Most rentals require a lease of at least 12 months. Check for any “move-in specials” that offer lower deposits or free months, especially if you’re looking for housing in the winter when demand is lower.
- Check Neighborhoods for Convenience: California cities have a range of neighborhoods, each with its own vibe. If you don’t own a car, consider places near public transit or with amenities within walking distance.
- Utilities: Often, renters pay for electricity, gas, internet, and sometimes water. Be sure to budget for these on top of rent.
Healthcare
- Health Insurance is Essential: The healthcare system here can be costly. Check if your employer offers health insurance or consider a plan through the Covered California marketplace if you’re purchasing on your own.
- Find a Primary Care Doctor: It’s helpful to register with a doctor early. They’ll be your go-to for non-emergencies, and many clinics can refer you to specialists if needed.
- Understand Urgent Care vs. ER: For non-life-threatening issues (like a mild fever or minor injury), go to an urgent care clinic. Emergency Rooms (ERs) should be saved for serious health emergencies, as they’re more expensive.
- Pharmacies are Everywhere: Chains like CVS and Walgreens fill prescriptions, sell health essentials, and often have in-store clinics.
Transportation
- Consider Getting a Driver’s License: California has many beautiful places to explore, but public transport isn’t always convenient outside major cities. The California DMV (Department of Motor Vehicles) will issue a state license once you pass the tests.
- Public Transit: Cities like San Francisco and Los Angeles have BART, Muni, and Metro for commuting. Apps like Google Maps or Transit can help you track schedules and plan routes.
- Ridesharing: Services like Uber and Lyft are popular, especially if you’re in a hurry or live in a suburban area. They’re great for getting around without the hassle of parking.
- Cycling: California is bike-friendly in many areas. If you’re comfortable cycling, it’s a great way to save money and avoid traffic.
Practical Tips for Settling In
Grocery Stores
Explore California Grocery Tips for Every Budget
Restaurants
Click Here for Essential Tips on Tipping Etiquette
Cultural Etiquettes
Learn More About American Social Etiquette
Finding other Indians
Find Local Indian Events & Networking Groups Near You
Legal Checklist
Starting a new life in California involves a lot of essential paperwork, and it’s easy to feel overwhelmed. This checklist is here to simplify the process by guiding you through each legal step you need to take as a new resident. By following this list, you can save time, avoid missing important tasks, and settle in smoothly. Download it now to keep these crucial tasks at your fingertips!
- Applying for a Social Security Number (SSN)
- Understanding visa and work permit requirements
- Setting up a U.S. bank account
- Finding health insurance and understanding healthcare options
- Basics of tax filing for residents and non-residents
Emergency Information
- Emergency Medical Services: 911 (Call for immediate medical help, fire, or police assistance)
- Poison Control: 1-800-222-1222 (National Poison Control Center)
- California Housing Help: 1-800-952-8356 (California Department of Housing and Community Development)
- Immigrant Legal Resource Center: 1-415-255-9499 (Provides support for legal issues related to immigration)
- Legal Aid at Work:1-415-864-8208 (For work-related immigration issues)
- Social Security Administration:1-800-772-1213 (For obtaining a Social Security number, which is essential for work and benefits)