Card from US (or How to Motivate Top Talents)


I got this card from IBM HQ back in March, for some of my work that reached the eyes of HQ in US. From what I heard, the higher-ups were very impressed and I got this in return.

It’s just a simple thank you card, but it has value due to the signatures on it. Those who signed it are among the top executives in IBM, but I think the most recognizable one for those outside of IBM would be the one on the bottom-right by Mark.

IBM Chief Financial Officer Mark Loughridge

This Mark Loughridge. Felt pretty good to be recognized by the top boss of the Finance department, and all the other executives there.

Can you guess the others whose signatures are here?

Thanks to CC, S, HJ, and IJ for this.

Trying to Improve Word Count

In my attempt to be a faux author, I’d tried to improve my word count. However, regardless of what I did, there seemed to be a boundary there that I just could not break through. Back in the heyday (few months ago), I could pushed for up to 3000 words in a day and went up to 5K before. But gone are those days. Today, I had the entire day dedicated to writing, but as usual, found myself fooling around. In the end, I only managed around 2500 words. Not too bad, but not good either. I could probably crank out a thousand word in an hour if I feel up to it. So, 2.5K is not a very efficient output for a whole day’s work.

Typically, I would blame it on the weather. I like the weather here, warm and sunny but it just gets too hot sometimes. I do not have an AC in my room. Had been trying to save up for a portable AC but kept on putting off the purchase. I’m also easily distracted. A five minute internet break would often turned into 2 hours web surfing and Facebook. I had been limiting my usage but that only made me want to hang around the web longer. Still training myself on this part. My self discipline is seriously lacking.

I’d read Rachel Aaron’s blog about how she increased her word count to 10K a day. I had been trying to take a lesson or two out of it, but could not stick to them. Maybe tomorrow, I’ll take her idea more seriously. Maybe tomorrow will be my first ever 10K day?

I really do like her books. Quirky and funny. Check it out yourself.

Legend of Eli Monpress. (Book1-3)

Spirit War (Book 4)

Seeking New Creative Direction

It appeared that I had neglected this blog for so long. Mainly, I found my life screeching to a halt, uneventful and mundane. So, I had nothing much to report.

Also, my work life had practically taken over my life. I’m excited for the responsibility yet disheartened from the fact that I had to spend so much time for it.

This hindered what I had been trying to do for the past free months – writing novels. By my count of the files in the computer, I’d started around 12 novels but most never found themselves past Chapter 5 or so of the first draft.

Work often found its way into my mind and after certain time gap, I found myself losing interest in the novel and moved on to a new title.

Hopefully, the story that I’m writing could sustain myself until completion. I’m at Chapter 3 right now but I could foresee huge workload in the office. I was wondering, will it be worth it for me to resign to concentrate on the novels for a while. At least it will make me happier in the short run.

If I ever did finished the novel and edit, stay tune for an announcement of it’s publication.

The Winning Team

The Ultimate Frisbee competition ended a few days ago, and guess what? We won! Yay, B.O.B. is the undisputable Frisbee champion of the department.

Initially, I was a little worried about our chances of winning. No, make that quite worried. Who knew our rag tag team of sloppily formed team could produced such results. Before this, some of the girls never even played Frisbee before. Some also never did attend any of the training sessions.

On the competition day, I thought the team was a goner, we missed out the first match of the qualifying round and forfeited the points from that. Even worse, a few of the team members are still in the office, handling urgent day to day matters. The second match was coming up, and we got Jon to play for our team again, away from the one he was currently playing for.

One goal after another, it was a close call for each qualifying match. We are just trying to take baby steps at a time. Try and get a goal, and that’s it. In the end, despite forfeiting the first round, B.O.B. emerged the overall champion of the qualifying round and proceed to the semifinals.

By this time, the remaining members finally showed up and the full ensemble showed off the  team. Kiho and Teady really carried the team in terms of points and Jon was instrumental in the defense. The final score was 5-1  and we proceed to the finals.

I would like to say that I play a huge role in the Final victory, but that’s not the case. I took a literal knee to my thigh in the beginning of the game, leaving me out of commission for the rest of the match. It was all the team’s effort and this championship was especially dedicated to them.

Also, it would be a good parting gift and surprise to my manager who is going to leave soon. Let’s hope B.O.B. can continue this winning momentum onto the next tournament.

I think Teady and I make excellent co-Captains. Here’s to the start of a beautiful relationship.


Merry Christmas

Seasons Greetings to All!

I’d been feeling the holidays, stuffing myself and going through the different ways spice up this Christmas. Here’s one of my favorite.

Twas the night before Christmas, when all through Wall Street,
Not a guru was stirring, ‘mongst the trading elite.
The stocks were all laid on the exchange floor with care,
In hopes that a bull market soon would be there.

The brokers were nestled all snug in their beds,
While visions of stock gains danced in their heads.
Readers in ‘kerchiefs, and I in my cap,
We all settled our brains for a long winter’s nap.

When out on the Street there arose such a clatter,
I sprang from the bed to see what was the matter.
Away to the window I flew like a flash,
Tore open the shutters and threw up the sash.

The moon on the marble of the NYSE,
Gave the lustre of mid-day to the powers that be.
When, what with my wondering eyes should I spy,
But a mischievous stockbroker yelling, “Sell!” and, “Buy!”

With his sly little grin, he looked quite like trouble,
I knew in a moment it must be a bubble.
More rapid than eagles his stock picks they came,
And he whistled, and shouted, and called them by name!

“Now Groupon! Now, Zynga! Pandora and LinkedIn!
Someday maybe Facebook for money to be sinked in!
To the top of the market! To the top of the Wall!
Now buy them up! Buy them up! Buy them up all!”

As dry leaves that before the wild hurricane fly,
When they meet with an obstacle, mount to the sky.
So up to IPOs the troubled stocks flew,
Into portfolios of junk bonds and ETFs too.

Just then, in a twinkling, I heard in the dark,
People shouting and drumming in Zucotti Park.
As I drew in my head, and was turning around,
Down the chimney a Stock Market Santa did bound!

He was dressed all in red, from his head to his foot,
And his clothes weren’t tarnished with ashes and soot.
A bundle of optimism he had flung on his back,
And he looked like a peddler, just opening his pack.

His eyes-how they twinkled! his dimples how merry!
His cheeks were like roses, his nose like a cherry!
He started to share his good will and cheer,
Predicting a happy and healthy new year!

“The stocks will go up, with very few laggards,
You’ll probably land a few dozen ten-baggers!
Diversify, study, and keep your course steady,
Within a few years, retirement funds will be ready!”

His prediction was sweeter than fresh maple syrup,
No hard landing in China! Forget about Europe!
I was so filled with cheer I was nearly immobile,
We could recoup our losses from trusting MF Global!

He spoke these few words, then went straight to his work,
And picked all the winners, then turned with a jerk.
Laying his finger aside of his nose,
And giving a nod, up the chimney he rose!

He sprang to his sleigh, to his team gave a whistle,
And away they all flew like the down of a thistle.
But I heard him exclaim, to his sidekicks, the elves,
“Here’s to happy portfolios in 2012!”

Let’s sing-a-long.

Curated Interview From College Admission Officers (From Reddit’s IAmA)

As requested, IAmA college admissions officer, AMA.

  • What are the qualities you look for the most in an applicant? Do they need to be smart, artsy, quirky, or all of the above?

At my school, we do consider consider how a prospective applicant would fit in with the rest of the student body. Generally, this is due to the fact that we are fairly small, and we require everyone to live on campus. Not every student would do well in this sort of living environment. On the whole, we look for students who are intellectually curious, and would be capable of contributing to the academic and social life of the college.

  • A lot of people say that a college essay needs to be quirky or weird to get you noticed. Is this true, or do people also write equally good, yet strictly utilitarian, essays?

It depends on the school. At some schools, they simply want to see if you are able to write at a college level. Being able to write well can definitely set you apart from other applicants, although some students take it too far. The essay is your chance to let us know who you are, and is especially important if you did not interview.

  • How is an admissions decision made? Is it like a board of people who decide together, or are applications allocated to different groups/people who made decisions without input from the rest of the board?

This also varies greatly by school. At my school the applications are read by members of the admissions committee. Each application is read three times, typically by the counselor who is assigned to that particular geographic area, along with two other committee members. Decisions are generally made by the committee, although individual members can state their case if they disagree with the committee’s decision.

  • So basically it’s SAT score and GPA?

No, not at all. We are holistic in our admissions process and honestly SAT and GPA are not the most important factors. We consider rigor of secondary school education, along with class rank, to be the most important factors. We also consider things (in no particular order) such as geographic location, extracurricular, awards/honors, writing sample, interview, LoRs, personality, diversity, and alumni connection. The only factor we don’t really consider is your ability to pay and whether not you would need financial aid.

  • Does your college accept International students? If yes, what are some common issues you find on these applications?

Yes, we do accept international students. Frequently we run into the issue of having transcripts translated, but usually most students know how to deal with this. We have an entire office on campus dedicated to helping international students transition into college life here. The biggest issue is financial, since international students are not eligible for federal financial aid. However, we do offer institutional aid for international students. International students are the only category where we do consider the ability of the student/family to pay in the admissions decision, since it is a major factor.

IamA college admissions officer. AMA

  • What is the overall process of selecting a student for admission at the universities you’ve worked at (from application to acceptance)?

Once a student’s application is complete, I do a first read on the application and recommend a decision, then one of my bosses does a second read and signs off on the application. At my last school, I did the read on the application and would sign off on the final decision unless I wasn’t sure of what to do, in which case it would go to a committee made up of all of the other admissions officers and myself.

  • How can a perspective student catch your attention?

Students who ask a lot of questions grab attention. They have to be good questions, though, not things where you can easily find answers to them on the website. Say nice things to us, we like to hear nice things!

  • What are some major Do’s and Dont’s for college applications and essays?

The number 1 thing is to proofread (not like I did with this post)…lots and lots and lots. Don’t make mistakes in it, at all. Have everyone and your next door neighbor proofread it and spend some time on it. Also, don’t write what you think we want to hear. If I read one more "this is how (fill in x sport) changed my life" or "I look up to (fill in family member) because…" I will tear my eyes out. Be unique, don’t be afraid to be different.

  • How important are extracurricular activities/GPA/Standardized Testing Scores?

In order of importance (different at every school): 1. Grades/Type of classes that you are taking (AP/Honors/etc.)–Usually first 2. SAT/ACT scores 3. Personal Statement 4. (far fourth) extracurricular/recommendations. There’s a common misconception that being super super involved is going to get you into college. Yes, we like to see that you are involved–we don’t like to see people with no extracurricular. BUT, we don’t really care if you are the president of 15 clubs if you have a 2.0 GPA.

  • Any general advice for applicants?

Do the application early, and spend time proofreading. Visit the colleges/unis that you are interested in. That won’t just help you, but we like to see that you visited. Think about why you are actually applying to the school–and make sure they know your reasoning in some way. Just remember that you will need to pick a school eventually, so keep that in the back of your head while you’re doing this whole thing.

  • International Students: How does the weightage of parameters change for international students?

International students are judged pretty similarly to domestic. We care a bit more about your standardized test scores (TOEFL or SAT/ACTS) since we do need something that will compare you to domestic students.

  • International Students: How much does country of origin/study matter?

Country of origin doesn’t matter a whole lot. It doesn’t hurt to be from an underrepresented area, but at the end of the day most countries are underrepresented. At my school, major doesn’t matter a whole lot–but that really differs.

Unfortunately, ability to pay is going to factor in quite a bit more for international students. Not saying it’s fair, but there are many less financial aid options for international kids, so we want to make sure you can afford it.

Getting Your Teacher’s Recommendation Letter

A significant part of the US application package is the teacher’s recommendation letter. When I first started out asking for recommendation, I was having a hard time with it. My teachers that I seek out had never wrote any recommendation letters before. I was the first, at least the first student that they taught, who was planning to study in the US.

Luckily, I have good relationship with most of the teachers. I held some post of power that requires me to have more contacts with teachers that the average student might have. In this case, I have a legs up as they know me better and could provide examples to point out my strong traits instead of just writing “He is a smart student, a good leader etc.” Instead, I got: “He is responsible, I relied on him to do …”

Just tooting my horn a little, I held the post of Class Monitor during my final year of high school not through election, but because my teacher felt that I did such a bang up job that they want me to continue my good work for the subsequent years. So, I have a lot of goodwill and examples for support when I asked them for a recommendation.

Hence, before you start asking for recommendations, nurture a good relationship with your teachers first. That way, they will understand you better and will find it easier to give substance for your character portrayal.

If you want to, write down what you did before, your accomplishments, what you think could jog the teachers mind about you on a piece of paper. You should not direct them to do your bidding but rather lead them. The recommendation letter is
for the recommender to write something about you that you couldn’t show through your certs, cv, results etc. It is about their personal observation, their personal experience when dealing with you. So, make it easy for them to put it on paper. Prepare everything before meeting your teachers first and when asked, guide them on how to prepare the letter. Let your teacher judge your worth of salt and give them ample time to write it up.

But, for the average Malaysian, you tend to be in local college when you are starting your application. So, should you reach out for your college lecturers or your high school teachers. There is no concrete answer to this but for you to consider the tradeoff. Your high school teachers might understand you better but your lecturers could provide a more recent picture.

When I was still applying, there’s a rumor that a friend from my batch approached an American professor for a recommendation letter. What he wrote down in return was just this, “I highly recommend this student to your institution.” My friends and I have a great laugh from it. I never did confirm to see whether the letter is true. I don’t know how the admission committee would judge such a recommendation letter but that friend is studying in Berkeley now.

How To Ace Your SAT In The Least Time Possible

A lot of students stressed out when it comes to SAT.

This happens to most Malaysian students because well, it is outside of our comfort zone. We are not used to the US education system and suddenly have to take this exam to study in the US. If this doesn’t apply to you, well, lucky you.

When I first started out, it was the grind method for me. I can’t help it. There was so much to familiarize myself with that I can’t help but just plow through everything. All I did was just to read up and do as much similar SAT questions as possible.

It is important to get familiarize to the question type and the limited time to take the exam.

About two months into my preparation and almost as much time left till I take the SAT, I read upon Xiggi’s method to preparing for SAT on College Confidential.

It is good advice, something that I would try from the beginning. I measured my progress during my study session and almost came come up with similar study method as Xiggi. It allows the fastest progression in least time possible.

Here’s an extremely condensed version written by the original author. The only difference is that during Xiggi’s time, College Board published a red book known as 10 Real SAT that contain 10 past SAT exams. During my time, the format of the SAT changed and College Board released the blue book instead. There is also a new writing component to the SAT, where you need to write an essay.

Xiggi’s method

  1. Take 1-2 tests without time limit and with open books. Take your time to read the questions, answer it, and CHECK the answers, as you take the test. The idea is to make sure to understand all the terms. The score is far from relevant.
  2. Take the following 2-3 tests without time limit but close the books. Now, you are on your own. After taking the test, check the answers and make sure to check ALL your answers, including the correct ones.
  3. Take the next 2-3 tests, within the allotted time.
  4. Take the last tests and try to shave a few minutes. Look for patterns, shortcuts. Soon enough, you’ll recognize problems in a few seconds. However, make sure you READ all the questions. Trying to save 5 seconds in that part is NOT wise. Remember that you do NOT have to finish all the problems. As soon as you can determine the BEST answer with certainty, you are DONE. Managing your time wisely is the key to a great score. This comes from practice.
  5. I would also recommend working one section at a time. Spend about one hour on each section. Marathon sessions will not be as productive as repeated shorter ones.

Here is my take on the SAT. It is an exam not to test on your knowledge, but rather a test of skill. Once you get used to the pattern and able to conquer those types of questions, you will be able to take the test comfortably.

Lu’s Modification

College Board is no longer selling the 10 Real SAT, so we have to contend ourselves with the Blue Book instead. This in not a collection of past tests, but they are still from the company that produce SAT, so the questions are comparable.

Use the practice questions inside the book as in the Xiggi method. Then for the answers, College Board actually have explanations for each question in the Blue Book available online. I found them really helpful in analyzing the questions and understanding why such and such is the answer.

The downside to this is that it cost money to have access to the answer. Use them to help out with your practice. (You should realize trend by now that CB earns a lot from you) Pool with your friends to buy an access code or look for other methods online to access it.

Get the Blue Book (Official SAT Study Guide) here.

Get the Official SAT Online Course here for more practice questions from College Board.

Memorizing Strange Words

If you have started on your SAT preparation, you’ll sure to come across words that you have never heard before. I read a lot, have a couple big size dictionary at home, yet I also have a problem understanding certain words when I come upon them cause I never encounter these words before.

Look them out and write out their definitions when you come upon them. Some words are used more than others in the practice questions, so you will be more familiar with them. Other than that, try to learn a few new words a day and incorporate them into your daily speech so that you will learn them faster.

What I did actually was to rely on a book, WordSmart from Princeton Review. Inside was a list of words and their definition. It’s easier for me to refer to this than to look them up in the dictionary.

My cousin actually recommended the book to me, saying that it’s useful. She scored 1600 (max score in the old SAT) so I tend to trust her suggestions.

Get the WordSmart book here.

Essay Portion

Now, here’s what I would add to the method mentioned above. There’s a new writing component in the SAT, where you have to write an essay in just 25 minutes.I can’t believe that I’m saying this but the best way to handle this is to resort to your UPSR or PMR essay writing skills. Straight to the point and not too many use of flowery words.

This probably won’t give you the best score but with just 25 minutes, it is a safe route to get a good score. Develop your own style of writing to a point where it almost seem automatic to you.

Start with a thesis statement and expand it. Continue on with three paragraphs of content. One main point for each paragraph and 2-3 sentences for support. End the whole thing with a conclusion. Be logical and have a flow when you are writing.

It’s better to prevent your points from being cut due to grammar mistakes than to be too adventurous with your writing. The time constraint makes to hard to review and edit your essay. Also, I found that longer essays typically correlates with higher score.

Last Word

That should be all that you need to prepare for your SAT. Though I would also recommend getting a review book. I prefer the Princeton Review’s Cracking the SAT, or if you prefer more challenge, get the Barron’s SAT. Get plenty of practice, but approach the practice the smart way. I also have some past SAT tests, which I did add to my practice pile.

Before the test day, get plenty of sleep. The SAT test is a marathon and is quite taxing on your ability to focus.

Also, I understand that SAT books can be quite expensive (blame it on Malaysia’s low purchasing power). So, before you decide to buy a book, head to your nearest bookstore (MPH or Kinokuniya) to look at the price there. Then, go online to look at the prices there. Sometimes, the books that you want can be cheaper if purchased online inclusive of shipping cost though you must wait for the books to arrive. Decide whether the tradeoff is worth it or not.

Good luck, and go ACE that SAT.

The Formula That Killed Wall Street

I’d chanced upon a very interesting read about the cause of the financial crisis from Wired. The author suggests that misuse of David X. Li’s Gaussian Copula formula is to blame. I highly recommend reading the full article. Here is a short except from the article that particularly interest me.

Li’s copula function was used to price hundreds of billions of dollars’ worth of CDOs filled with mortgages. And because the copula function used CDS prices to calculate correlation, it was forced to confine itself to looking at the period of time when those credit default swaps had been in existence: less than a decade, a period when house prices soared. Naturally, default correlations were very low in those years. But when the mortgage boom ended abruptly and home values started falling across the country, correlations soared.

Bankers securitizing mortgages knew that their models were highly sensitive to house-price appreciation. If it ever turned negative on a national scale, a lot of bonds that had been rated triple-A, or risk-free, by copula-powered computer models would blow up. But no one was willing to stop the creation of CDOs, and the big investment banks happily kept on building more, drawing their correlation data from a period when real estate only went up.

“Everyone was pinning their hopes on house prices continuing to rise,” says Kai Gilkes of the credit research firm CreditSights, who spent 10 years working at ratings agencies. “When they stopped rising, pretty much everyone was caught on the wrong side, because the sensitivity to house prices was huge. And there was just no getting around it. Why didn’t rating agencies build in some cushion for this sensitivity to a house-price-depreciation scenario? Because if they had, they would have never rated a single mortgage-backed CDO.”

Bankers should have noted that very small changes in their underlying assumptions could result in very large changes in the correlation number. They also should have noticed that the results they were seeing were much less volatile than they should have been—which implied that the risk was being moved elsewhere. Where had the risk gone?

They didn’t know, or didn’t ask. One reason was that the outputs came from “black box” computer models and were hard to subject to a commonsense smell test. Another was that the quants, who should have been more aware of the copula’s weaknesses, weren’t the ones making the big asset-allocation decisions. Their managers, who made the actual calls, lacked the math skills to understand what the models were doing or how they worked. They could, however, understand something as simple as a single correlation number. That was the problem.

“The relationship between two assets can never be captured by a single scalar quantity,” Wilmott says. For instance, consider the share prices of two sneaker manufacturers: When the market for sneakers is growing, both companies do well and the correlation between them is high. But when one company gets a lot of celebrity endorsements and starts stealing market share from the other, the stock prices diverge and the correlation between them turns negative. And when the nation morphs into a land of flip-flop-wearing couch potatoes, both companies decline and the correlation becomes positive again. It’s impossible to sum up such a history in one correlation number, but CDOs were invariably sold on the premise that correlation was more of a constant than a variable.

This generally support the consensus that the crisis was magnified because Wall Street was dealing with securities that they do not understand.

Also, I would like to highlight a lesson that was ingrained when I was a student in the actuarial field.  Always state your assumption. When the assumption is wrong, everything else that was formulated based on the assumption will be wrong as well. Do not be too involved in the quantitative side and forget what the numbers signified.

Here’s a quote that one of my friend put up on Facebook on life contingency. It’s funny if you get what it means.

“An actuary is someone who expects everyone to be dead on time".

US University Application Timeline

Now, this is where things get a little tricky. I could not emphasize enough how important it is to keep thing organized.

So, what I did in the past was to prepare a spreadsheet (you can do whatever that fits you). Inside, I set up everything with details and the deadlines. I will create another progress bar and pull forward those deadlines a little earlier so that I have some extra time to fall back on.

An example when this come in handy would be getting the teacher’s recommendation. Inside the spreadsheet, I would write down the teacher’s name, contact detail, and deadline etc. Since most teachers are busy, I will note in the spreadsheet at several instances to contact the teacher and ask them about how the recommendation goes.

Being organized will keep the application process less of a nightmare, especially if you are applying to a lot of schools.

Ideally, you will start this earlier but for some, like the scholarship students, the process starts around July.

For US Universities application, the application deadline would be around November (for Early Decision/Early Action) and around end of December (for Regular Decision). If you are applying to top US universities, do try to apply for ED/EA. You have a better chance of getting a spot instead of competing with other applicants in the regular round, with much higher acceptance rate. Also, you get to know the result of your application earlier, in December instead of April.

For Early Decision, if you get an offer, you would need to decide whether to accept it or not. If you accept the offer, you have to withdraw your admission from other
universities. For Early Action, there is no such clause. So, try ED?EA for the university that you really want to get into.

If you are a borderline case in ED/EA, your decision could be deferred to the regular decision instead.


Approximately 12-15 months before enrolment

Americans usually start this process a lot earlier than stated here.

Determine the university that you want to go to. You can check reviews and basic information from books, online or email the admission officers. Consider the size, majors, activities and your other criteria  about the university when deciding.

Also, if you need financial aid, check if the university offer financial aid to international students. Not all do offer them.

Once you decided on the universities, write down the deadlines on the spreadsheet. Also, begin registering for standardized test like SAT I & II, TOEFL or ACT. You can take the SAT test in Metropolitan College, KL (7 times/year), KDU College, Penang (not sure about number of tests held) or in Sinaran Institute, KK (2 times/year).

Do register early for the test because spots filled up very fast during peak season. I remembered being indecisive of when I want to take my tests only to see that spots are gone in just days.


Contact the university or go to their website to print out application form. Your application can be submitted through mail or online. Begin:

  • Writing your application essays for the questions from the application form. This is a vital piece for evaluating you as a candidate for admission. So, spend a lot of time on it and don’t be surprised to constantly rewrite the essays. I asked friends who entered top universities the amount of time they spent on their essays. Most used a few hours a week writing, then tweaking and the rewrite the whole thing again and yet, some are still not satisfied until they submitted their essays.
  • Request official transcript from your school. For Malaysians, this usually involved your secondary school report card and your college transcript.
  • Ask for teacher’s recommendation. Most universities usually asked for two teachers, from different teaching field. List down your achievements and traits you want them to highlight because you want to make the teacher’s job as easy as possible. Set aside a lot of time for this because the teachers are usually busy, forgetful and it takes time to write a good recommendation letter. Don’t expect to get a quick reply during the SPM/STPM examination period.
  • Ask for counselor’s recommendation. Ditto for teacher’s recommendation.

September to January

Complete your applications and send in all your forms, transcript, standardized test results during this period (before the deadline). Also, check that your teacher’s recommendation had been sent. Follow up with the teachers to remind them. Deadlines for EA/ED are usually in November. Deadlines for RD are in late December/early January.


By now, your admission result should come in. Decide on which university you want to attend and notify your decision to the admission office. Complete any necessary form.

June to August

The admission office will send you future information about what you should do. Settle you finances by now along with your accommodation and insurance with the university. Pay the SEVIS fee to apply for a visa at the US embassy as soon as possible. Then make travel arrangement and you are set to go. Prepare for the unexpected. Things can and do go wrong. You can be denied a visa at the embassy etc. That’s why it’s best to settle things as quickly as possible. Also, the embassy would need to see that you are able to support yourself overseas before they will issue you the visa. Hence, the finances.

When it comes to the applying for US universities, a rule of thumb is to keep organize. Prepare for setback and overcome them as soon as possible. Pace yourself or you will be stressed out trying to rush through things.