It may seem foolhardy to think of another global health concern in light of the current COVID-19 pandemic, but this one has been with us for centuries: tuberculosis. When it comes to tuberculosis, it’s the proverbial “Good News, Bad News” situation.

First, the Bad News. Tuberculosis (TB) is still the world’s deadliest infection, killing more than 4,000 people daily and infecting almost another 30,000. Even in the United States – estimates are 13 million people have a latent TB infection, which could develop into active TB.

But now, the Good News. Tuberculosis is a preventable and curable disease, and thanks to global efforts during the past 20 years, an estimated 58 million lives have been saved.

World Tuberculosis Day (March 24) serves as an annual reminder that we can beat tuberculosis on a global scale, but the whole world must get involved. Even as an international student, you can play a significant role by being aware of TB,  asking your doctor whether you are at risk for TB, and getting screened before you travel.

What is World Tuberculosis Day?

World Tuberculosis Day is celebrated every year on March 24, the day Dr. Robert Koch revealed that he had identified the bacteria that causes TB in 1882. The German bacteriologist also discovered the anthrax disease cycle (1872) and the cholera bacteria (1883). His discovery of the TB bacteria opened the possibility of earlier diagnosis, better treatment, and, ultimately, a cure. This year’s theme for World Tuberculosis Day is “It’s Time” — as in it’s time to act on the commitments our world leaders made at the UN High-Level Meeting that occurred back in September of 2018. Those commitments included greater access to prevention and treatment and additional funding to finance research, among others.

World Tuberculosis Day gives everyone a chance to spread awareness and to voice their support for sending committed resources to meet the World Health Organization’s (WHO) substantial goals:

• Diagnose and treat 40 million people with TB by 2022
• Reach 30 million people with TB preventive treatment by 2022
• Mobilize $13 billion a year to support efforts to end TB
• Invest $2 billion a year in TB research

Why is World Tuberculosis Day Important?

Awareness and support of TB treatment and research are still desperately needed. In 2018, an estimated 10 million new cases of tuberculosis were identified. That’s an astonishing number considering many of those who are infected will never know or show symptoms. Tuberculosis is caused by air-borne bacteria that easily infect others, but can remain inactive for long periods of time.

In addition, drug-resistant strains have large gaps between those who are diagnosed and those who are treated. Currently, only 1 in 3 people needing treatment are receiving it. Unfortunately, a more than $1.2 billion funding gap is limiting the development of accurate TB testing and treatment, including the 14 vaccine candidates and 23 drugs in clinical trials.

Who Needs to Be Screened for Tuberculosis?

You should rely on your doctor’s recommendations regarding screening, but in general, those at highest risk for tuberculosis include:

• Those who smoke or abuse drugs/alcohol
• Those who are undernourished
• Those diagnosed with HIV or diabetes
• Those in close contact with someone who has active TB
• Those who have recently visited an area with high TB prevalence
• Those from any of the 48 countries included in the WHO’s high burden for TB list

Even if you meet none of the listed risk factors, you may need to be screened if you will be working with at-risk demographics or traveling. This most certainly includes international students studying abroad. In fact, many schools and programs require TB screening, in accordance with the ACHA’s guidelines.

In addition, if you do become ill, keep an eye out for the symptoms of tuberculosis, which include:

• Coughing that lasts three or more weeks or coughing up blood
• Chest pain, or pain with breathing or coughing
• Unintentional weight loss
• Fatigue or loss of appetite
• Night sweats or chills
• Fever

You should seek medical attention and advice whenever you are ill. If you are concerned that you may have contracted tuberculosis, whether at home or abroad, discuss your fears with your doctor. They will recommend screening and treatment if necessary.

Where Can I Find More Information?

Multiple organizations are collaborating to end tuberculosis for good, and they provide ample resources on their respective websites:

• WHO: Founded in 1948, the World Health Organization works worldwide to promote health, keep the world safe, and serve the vulnerable.
• Stop TB Partnership: Founded in 2001, the Partnership’s mission is to serve every person who is vulnerable to TB and ensure that high-quality diagnosis, treatment, and care is available to all who need it.
• Stop TB USA: Founded in 1992, Stop TB USA is a US-based member of the Stop TB Partnership.
• National Tuberculosis Controllers Association: The NTCA was created in 1995 to bring together leaders of US tuberculosis control programs.

Key Takeaway

Tuberculosis is a global issue, and there is no shame in being screened, diagnosed, or treated for TB. In fact, until we all take responsibility for our own screening, the disease will continue to spread. Far from being an embarrassing medical test, it is your way of helping to end TB for good.

LewerMark is here to help and protect our schools and students as we work together to end tuberculosis. LewerMark programs typically cover screenings, and all of our plans cover TB treatment subject to the policy guidelines, meaning that students can arrive in the U.S. with peace of mind and the ability to focus on adjusting to their new lives.

“Did I forget something?” says almost every international student who leaves their home for the airport. It is a question tinged with apprehension. Packing for college is a balancing act; you need to bring enough, but you also know you probably will live in a small room with roommates. Space matters—a lot.

As a recent “dorm-dweller” myself, I can honestly say you don’t want to overpack. While this list is generic, all colleges are different and provide specific amenities for dorm residents. So, before you get on the airplane, be sure to find out what your college provides and doesn’t provide you.

Things You (Probably) Won’t Need to Bring to College

Desk, Dresser, Desk Chair and Bed: Since these furniture pieces are very large, you wouldn’t be able to pack them in your suitcase anyway. Furniture items will likely be provided by student housing.

Garbage Can: While it’s a valid point that you will need a place to throw your garbage away, skip the trash can. Most dorms supply garbage cans. If not, it can be purchased inexpensively at a local store.

Dishes: Even I fell into the trap of thinking a few plates and bowls would be helpful, but these items went untouched all year. You will find plates and bowls at your dining hall…where they should remain.

Kitchen Gadgets: Most dorms have strict fire prevention guidelines that do not allow students to use hotplates, toasters, waffle makers, etc. Your dorm also may have a common kitchen area or microwave, so leave the kitchen gadgets at home.

Printer: Printers will be available all over campus, and especially at the library, where you’ll likely be able to print a certain amount each semester for free. Keep it at home.

Iron: Irons requires a bulky ironing board. That’s a waste of space! Bring a compact steamer to keep your clothing fresh and wrinkle-free.

Luggage (that doesn’t bend or fold): As an international student, you will be bringing luggage. Luggage that has a hard shell is a hard pass when you can substitute it for foldable canvases.

Duplicate Items: Coordinate with your roommate to see what they are bringing. If they are already bringing a coffee pot, you don’t need two. Send them a WhatsApp and start a conversation while you are at it.

Decoration: Self-expression is important but avoid bringing too much. Bring minimal decorations to avoid clutter. Pictures from back home are always a great choice and take up minimal packing space!

Books: Books are probably an important part of your bedroom at home, but they are a huge weight to your suitcase… In school, you’ll have plenty of assigned reading and you can always use the campus or public library for free!

Things You (Probably) Will Need

Fan: Dorms can get warm. One of the best ways to beat the heat—really the only way—is to turn on a fan. They are usually an inexpensive purchase at a local store.

Twin Bed Sheets and Bedding: Most dorm beds will supply a “Twin XL” mattress (a longer version of the traditional XL mattress.) You can pack sheets in your bag, but they are bulky. Go to a store to purchase new sheets when you arrive. Some universities supply students with these items, so double-check with your university before you purchase. If you have to purchase these yourself, your school might provide you with transportation to and from a local store!

Surge Protector: If you are a techie and will be plugging in a lot of different electronics, traditional extension cords won’t cut it. Most dorms require students to have surge protector extension cords because it abides by fire safety requirements. This is another item you can pick up at your local store!

Shower Shoes: Often in a dorm, everyone uses a communal shower. Protect your feet from fungus-like athletes’ foot and other ailments by purchasing a pair of shower shoes (also known as flip flops)—but still, remember to wash your feet! Shower shoes may be something you want to pack.

Shower Caddy and Toiletries: Some dorms have private bathrooms (if you are one of those individuals, we envy you). But if you are part of the majority who have communal bathrooms, be sure to purchase a shower caddy when you arrive, so you can easily carry your toiletries to the bathroom. While you are at it, purchase a towel and robe to dry off and wear to walk back to your room.

Laundry Bag: It may seem doable to carry your dirty laundry to the laundry room, but purchasing a bag or a basket will make your life much easier. Buy a laundry bag at the local store when you arrive.

Desk Lamp: Some dorm rooms have desks with built-in lamps. Find out if your school offers this. If not, buy an inexpensive one when you get here. Having a small lamp is great for late-night studying while your roommate is asleep.

Clothing: This may be self-explanatory, but it must be addressed, bring the right clothes! What you may not know is don’t bring them all. Make sure to plan for the different seasons and weather at your new school.

Clothes Hangers: Most dorm rooms have a closet. They probably do not have clothes hangers, however. Make sure you pick some up at the local store.

Water Bottle: Hydrate, Hydrate, Hydrate!!! Drinking the recommended amount of water each day will help keep the doctor away; that means you should try to drink between an ounce to two ounces of water for each kilogram you weigh.

Medications: It is very important to bring all prescribed medications with you when you pack for college. While you will likely be able to obtain similar medication once you arrive, it could be more expensive or not available here.

Laptop and Other School Supplies: A laptop may not be required but is highly suggested. You can make it through college without a laptop, but it will make your life (and studying) substantially easier. Some schools will even have a brand-new laptop waiting for you!

Conclusion

Packing for college is stressful so don’t wait until the last minute! While the do’s and don’ts above are a helpful start, you are the only one who truly knows what you can and cannot live without. Here’s one final tip: If you are not sure what to bring, contact your school’s international office and ask them for recommendations!

Lounging on the couch to watch television is a dull way to spend the summer months. If you are an international student studying in the U.S. for the summer, there are countless opportunities for some fun in the sun. So, put down that TV remote, get off the couch, and learn how to avoid the summer bummers.

Baseball: The American Pastime

The sport of baseball is considered “America’s pastime” for good reason. Watching this sport is a summer passion for families across the nation. The crack of the bat, the cheering crowds, the sizzling hotdogs, and the ice-cold drinks make baseball a great way to spend a summer day or evening.

Baseball is America’s oldest game, starting in 1839. Today, two divisions of baseball exist: Major League Baseball (MLB) and Minor League Baseball (MILB). MLB is the top professional level, while MILB (and its various classifications) is the level below. Both leagues have teams in numerous cities across the country all with a full schedule of summer games. To attend and become a baseball fan yourself follow this link for MLB or this link for MILB. My tip for the best game day experience—wear a team jersey to the game, try a hotdog with everything on it, and enjoy the sights and sounds. “PLAY BALL!”

Attend A Local Fair

State and county fairs often occur in the summer and are one of the best ways to explore American culture as an international student.

What is a fair? In the 19th century, U.S. fairs were an event to share agricultural techniques and aid in spreading education. (Check out this interesting history of fairs link). While fairs today retain some educational value of the past, they mainly attract people with entertaining attractions including amusement rides, exhibits, car shows, etc.

Attractions at a fair often include:

• Fair food—Rarely seen other times of the year, these foods are uniquely American. Traditional fair foods include hot dogs, turkey legs, funnel cakes, cotton candy, and any food you can think of in a fried form. I recommend fried Oreos.
• Carnival games—Try your hand at various carnival games to win prizes such as stuffed animal toys. Time-honored game options include balloon darts, water shooting, milk bottle toss, and more.
• Amusement park rides—Thrill seekers can find a different assortment of rides at each fair, but a Ferris wheel is a classic option.
• 4-H Competition—Most fairs will feature young farmers and ranchers showcasing the livestock they have raised to earn competitive show titles for their animals. Each fair has specific events for different animal species; some even have pig races!

Follow this link to see fairs and festivals near you.

Visit A National Park

Why did you decide to study abroad? Was it to become more culturally aware? Travel? Learn? Visiting America’s National Parks can fulfill those goals and more. The National Parks are what many consider to be “America’s Best Idea.” Every year, these natural cathedrals attract millions of tourists to their breathtaking landscapes and awe-inspiring beauty.

The most popular parks include:

• Grand Canyon National Park in Arizona receives global recognition for its unique landscape and offers visitors a wide variety of sites. The park separates into three sections: The South Rim, North Rim, and Skywalk. Each area offers distinct attractions for park visitors.
• Yosemite National Park in California features a glacial valley framed by 4,000-foot granite mountains that include Half Dome and El Capitan. The views from Glacier Point are unforgettable. Other popular spots include Tuolumne Meadows, Yosemite Falls, Wawona Tunnel View, and many others.
• Sequoia National Park in California is home to the largest trees on the planet. Due to preservation efforts, horseback or hiking is the best way to experience the majestic landscape this park has to offer. Visit this park to see the Giant Forest Museum, Crystal Cave, and Mineral King.
• Yellowstone National Park is located mainly in the northwest corner of Wyoming and is American’s first National Park. Geographic positioning above a supervolcano allows for hundreds of geysers and other natural phenomena to occur. Yellowstone is a hotspot (pun intended) for many activities from hiking, horseback riding, to watching bison and grizzly bears. Among the hundreds of attractions include Yellowstone Lake, Old Faithful geyser, and Grand Prismatic Spring.

Visit the National Park Service or the National Park Foundation website to see what parks are near you!

Experience Independence Day

July 4 is Independence Day, the biggest holiday of the summer. This patriotic day honors the 1776 Declaration of Independence of the American colonies from England and is considered the birthday of the nation. This holiday is a time Americans gather with friends and family to celebrate freedom. While this may not be a celebration of freedom for your home, don’t worry, you are encouraged to get involved with the celebration!

Check out these common ways to celebrate Independence Day:

• Fireworks—Independence Day is not a “quietly observed” national holiday. It’s explosive, literally, with fireworks! Beautiful displays light up the sky the preceding week of the holiday. Go with college friends and watch a local firework display. If you want to shoot fireworks yourself, be sure to check your local firework laws and review firework safety guidelines first.
• Barbecue—Many Americans host a barbecue cookout for friends and family to enjoy on Independence Day. A typical July Fourth barbecue offers hamburgers or hotdogs with various sides including fruit, chips, and many desserts. As a guest at a barbecue, be sure to prepare an appetizer to share at the party. These foods are a great option, click the link here for fun patriotic recipes.

Get Up and Go!

Instead of camping on the couch, optimize the time you have left as an international student. Ten years from now, you probably will not recall a movie you watched, but you will remember an action-packed getaway during the summer you learned about American culture and history. Get up and take advantage of the opportunity for adventure in this expansive country. As you walk across the fairgrounds with a funnel cake in one hand and carnival game prize in the other, you’ll be glad you read this blog.

Blood Is Constantly Needed

While driving across town, you might see a sign that reads “Blood Drive Today, Please Donate.” Make no mistake; this is not a simple statement. It’s a cry for help!

Blood banks constantly request and collect donations because hospitals are in an almost constant blood shortage crisis for surgeries and lifesaving transfusions. Did you know only 40% of the US population is eligible to donate blood, yet less than 5% do? Surveys show, the majority of people who avoid donating, do so because of ten reasons.

The need for blood is constant, and maintaining a stable supply is crucial for the preparation of any injury, natural disaster, or tragedy. Blood banks rely on donations to replenish and maintain their supplies to hospitals. Scientists have found ways to engineer many artificial tissues, but blood (which is considered a tissue) is not one of them; it can only be produced by the human body.

June 14^th is World Blood Day

The World Health Organization established June 14th as World Blood Donor Day to raise awareness for the need for blood products. June 14 was selected because it is the birthday anniversary of Karl Landsteiner (1868—1943), an Austrian biologist and immunologist who developed the modern system of blood classification into groups A, B, and O.

The 2019 campaign promotes the slogan “Safe Blood for All.” The mission is a call to action for government, blood services, and health care professionals to increase blood donation through numerous platforms. Goals of the campaign from the World Health Organization include:

• To celebrate and thank individuals who donate blood and to encourage others who haven’t yet;
• To highlight the need for committed, year-round donations to maintain adequate supplies and achieve universal and timely access to safe blood transfusion;
• To focus attention on donor health and the quality of donor care as critical factors in building donor commitment and a willingness to donate regularly;
• To mobilize support at global, national, and regional levels among governments and development partners to invest in, strengthen and sustain blood programs.

Blood Types

There are eight different types of blood; some are fairly common while others are quite rare and in constant demand. Interestingly, while each blood type has its own unique characteristics, most blood types are to some extent compatible with one or more other types.

The major blood types each have specific matches:

As you might imagine, compatibility is vital, otherwise, the recipient’s body will reject the donor blood, which could be fatal. This fact alone makes it imperative for blood banks to have all blood types on hand and ready – regardless of the scenario that presents itself.

Requirements

Specific blood donation requirements ensure healthy blood for transfusion. The American Red Cross has the full list of all requirements for donors.

Immunizations Requirements

Immunizations are an important topic when it comes to blood donation eligibility. Individuals who have received an immunization must wait for a specific period until they can donate.

 
Travel Requirements

Individuals traveling to or from the U.S. have separate restrictions for blood donations. For example, travelers to countries with a higher chance of exposure to malaria will not be able to donate for a year. If you are a person under this category, then you are required to bring the travel form with you when donating to allow the blood bank to assess the risk. The form and volunteers will ask the following questions:

• What countries did you visit and how long did you stay?
• Where did you travel while in this country?
• Did you leave the city or resort at any time? If yes, where did you go?
• What mode of transportation did you use?

Find a Donation Location Near You

When looking for an opportunity to donate blood, you do not have to look hard. Many local churches, hospitals, community centers, and even libraries host blood drives frequently. All these locations are great ways to get involved, and many do mobile blood drives. You can contact a blood donation center nearest to you to find out additional information. The American Red Cross and Advancing Transfusion and Cellular Therapies Worldwide have donation finders on their websites to assist with locating blood drives near you!

Make a Difference

American Red Cross needs your help not only today but every day! As we have outlined, there are many ways to step up and get involved in the donation process. Set aside a small amount of time every eight weeks to donate blood; doing so might just save a life. Make your donation meaningful, select a day to donate blood in honor of a person you care for or an event that has made an impact on you. The small time commitment necessary for blood donation can make a huge impact on those affected by shortages. Did this blog debunk your reason for not donating? If so, take some time out of your day and become a repeat donor – World Blood Day is the perfect time to start!

IMPORTANT:

1. The main tax form for residents is 1040-R. This has certain laws and deductions that the form for tax non-residents (1040-NR) do not get. If you file a 1040-R as a tax non-resident, you will be penalized.
2. Scholarships exceeding the value of school costs (tuition, fees) are taxable income. Plan accordingly. (Athletes, this means you!)

Tax time is here again, which is stressful for U.S. citizens, let alone a visitor from another country who has only been here for a short time. As an international student, you may not be aware that you have to file tax forms, but LewerMark’s partner, Sprintax, is here to help you navigate this complicated system and make the entire process a little easier.

Why Do I Need to File Taxes as an International Student?

To be blunt, it’s the law. But let me elaborate.

Every international student is required by law to file a tax return based on the conditions of their visa, but not everyone will have to pay taxes. As an international student, you are entitled to some benefits and exemptions, so chances are you will not owe anything and could receive money from the U.S. government for any excess taxes deducted from your earnings.

More often than not, international students—especially those who received taxable income while working—filing a tax return will receive a tax refund for overpaid tax. It’s worth checking to see if you have a refund coming to you.

Important Things to Know About Tax Time

• You must file your taxes by April 15.
• F-1 and J-1 students are NOT exempt from paying taxes. You must file a tax return if you earn any taxable income by working in the U.S.
• If you are an F-1 or J-1 student and didn’t earn any taxable income in the U.S., you will still have to fill out Form 8843 and submit it to the IRS.
• You cannot deduct miscellaneous expenses such as tax preparation fees, investment expenses, moving expenses, deposit boxes, etc.

How Do I File My Tax Return

Now, before you stress out after reading the steps below, there is an easier way to make sure your taxes are filed properly, but let’s look at what you will need to do if you decide to file your tax return yourself.

1. Determine your residence status for tax purposes. Sprintax has a widget in their app to help file the proper forms.
2. Determine whether you had any income from U.S. sources. If you worked on campus, you have a Social Security Number (SSN) and will use this for your tax form.
3. Determine whether you need an Individual Taxpayer Identification Number (ITIN). For international students and scholars, you can click here.
4. Gather the required documents by downloading and printing them from the IRS website.
5. Gather the documents you received from your income sources.
6. Follow the instructions for filling out each required form, making sure you fill each out completely with your correct mailing address.
7. Determine whether you owe additional taxes and if so, write a check for the exact amount.
8. Mail your tax forms, along with copies of your W-2’s, 1099’s, and 1042-S’s, and a check if you owe anything. Click here for the appropriate addresses.

This process seems straightforward, but steps 6 and 7, in particular, are not as simple as they seem. There are a variety of deductions, exemptions, and credits you may miss if you fill out the form yourself. Also, if you fill it out incorrectly, you might have to pay more than you are supposed to, or worse, not pay enough and be subject to fines, fees, or worse.

What Do I Need to File My Tax Return?

• Passport or other valid photo ID
• US entry and Exit Dates for current and all past visits to the U.S.
• All tax forms, including Forms W-2, 1042-S and/or 1099 – if you received them
• Form 8843
• Visa/Immigration Status information, including Form DS-2019 (for J visa holders) or Form I-20 (for F visa holders) Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).

If you do not have an ITIN, Sprintax still can help you! (More about this below)

How to Ensure Your Taxes are Filed Correctly

Another way to make sure your taxes are completed correctly is to have an expert prepare them for you. Many Americans take this route when preparing their taxes to avoid any costly mistakes.

Remember our partners at Sprintax that we mentioned? They specialize in filing taxes for international students just like you!

Sprintax has an online tool specifically designed for international students that you prepare your Federal and State tax return in less than 20 minutes! It is way easier than trying to fill out your forms and file them yourself

• Register here
• Complete each section
• Sprintax will prepare your tax return
• Your tax return will be available for download in your online account.

Now, you will still have to mail your forms to the IRS. American citizens can file online, but as a non-resident, you are required to mail your forms in. Click here to find the correct place to send your tax forms to based on the state you are living in.

Filing taxes was probably not on your list of new things you wanted to experience when you decided to come and study in the U.S. If it was, then we seriously hope you decide to become an accountant. However, filing your taxes is important to do. We hope that the information provided in this blog post and help from Sprintax will help make the process easier so you can get back to focusing on your education.

At LewerMark we specialize in international student health insurance and we are happy to partner with Sprintax to help make tax filing easy for you as an international student.

If you have questions about any of the above or other tax-related questions, it will be important for you to contact a qualified tax professional, like those at Sprintax. They will ensure that you complete your taxes correctly and on time.

Taking the first steps to study abroad in another country is understandably both exciting and a little bit scary. But studying in another country will not only help you exceed academically, it will also open new perspectives that you would have never known about.

5 Important Things to Remember if You are Planning to Study Abroad this Summer

If you are considering studying abroad this summer, there are some important things to keep in mind—outside of how many pairs of shorts to bring.

1. The Expense of Study Abroad

We are going to get right to it; you are probably stressing about how much money to take this summer. The expenses you can expect can be affected by a variety of factors, some of which are:

• The school you choose to go to
• Which program you select at that school
• How much additional support is offered at your chosen school
• Exchange rates
• Travel costs
• Cost of living in the area you are considering

In many cases, it can be quite affordable to study outside of the country with the possibility of financial support being available to you. This varies from school to school, but many institutions offer special rates for students applying through joint programs with schools in other countries.

Knowing your options and creating a plan that will best suit your needs will prepare you for how expensive it will be while you are studying abroad this summer. Remember, you can always contact your student advisor to receive more information about the financial programs available to you.

2. Do I Need a Student Visa?

Having a student visa depends on the country you’ll be studying in and how long you will be studying there. Some countries have agreements with the United States to allow you study without a visa if your stay is under the stated amount of time. Other countries will require you to apply for a student visa, while others need proof of adequate health and travel insurance. For more information about the student visa process, click here.

3. You Should Have the Right Health Insurance

Having medical insurance is likely not something you are thinking about when traveling to another country this summer, but it is imperative to have while you are away. Here is why:

An Unexpected Accident or Sickness Could Occur

If you are studying abroad for an extended amount of time, there is a chance that you could get sick with the flu or experience an unexpected injury. Life is unpredictable, and accidents happen. You could injure yourself while you are away or get sick from food. If this happens, you want to make sure that you will get the treatment you need so that you can continue your education in full health.

You Might Have to Pay Expensive Medical Bills Out of Pocket

If something unfortunate does happen to you while you are away and you are uninsured, you could be left with an expensive medical bill. Contrary to popular belief, healthcare in other countries is not always 100 percent free. You can’t just walk into any healthcare facility with zero worries about how much treatment will cost. Having the right insurance can ensure that you won’t end up with a large medical bill.

Study Abroad Health Insurance is Easy to Obtain

Getting health insurance might seem like a burden, but applying for study abroad health insurance is quick and easy. Doing that paperwork now will save you a lot of headaches in the long run if an emergency does happen.

4. Know the Cultural Intricacies of Where You Will Be Studying

It is essential to familiarize yourself on the cultural differences of the country you will be studying in. For example, in a lot of other countries, the practice of tipping your servers or bartenders is considered rude.

If you don’t understand these differences, you may find yourself feeling embarrassed or worse. Some things that are not considered a big deal in the U.S. could be illegal in other countries and result in fines or imprisonment. A little research goes a long way when it comes to knowing the ins and outs of the culture you will be traveling to.

5. Safety (Finding Embassies and Knowing Places to Avoid)

You should always be aware of your surroundings and do your research, so you know what areas are unsafe in the country you will be staying in. Your health and safety are the two most important things to prioritize while you are studying abroad.

If you do find yourself in trouble, your first point of contact will likely be your home school’s study abroad coordinator or international student advisor. However, if a serious emergency occurs, you should go straight to your country’s embassy. Make sure you know the number and address of your embassy’s location before you leave your home country.

At LewerMark, we understand your unique needs as a student studying abroad. That’s why we’ve designed every LewerMark Study Abroad Plan you in mind. We partner with trained multilingual and medical personnel available to advise and assist, quickly and professionally if you are experiencing a medical emergency or need medical treatment.

If your school does not provide study abroad health insurance plans to you before you go to study abroad, click here to learn more about LewerMark’s study abroad health insurance plans.

You know the student. The one who has just arrived in the United States with limited knowledge of the culture and is apprehensive of what awaits. English may not be his or her first language and he or she may have trouble expressing their thoughts and concerns. The student may even break down right there at your desk from the stress of trying to juggle everything as he or she seeks an education in our country.

Hexiang Dong, a Chinese international student at the University of Missouri-Columbia, shared details of her battle with serious depression. “When I have problems…I just force myself to deal with it, but sometimes it’s just beyond my emotion ability,” Dong said in an interview with CGTN America, an international language news channel based in Washington, D.C.

Many students like Dong benefit greatly from having professional counselors readily available to them while they are attending college in the U.S.

Having someone an international student can talk to

The international student population experiences an array of challenges including language barriers, difficulty making American friends, academics, social distractions, and difficulties in psychological and sociological adjustment to their new environment.

It is important to make international students feel welcome and to do that we must understand their needs. These needs could include anything from navigating student debt to feeling homesick because the food they enjoyed at home is not available.

Some international students cope extremely well right out of the airport gate while others may require a little more support during their transition to a new culture.

As a longtime international student advocate, LewerMark understands the complex feelings these students endure and develops alternatives to help them adapt to their adopted surroundings. For instance, our exclusive partnership with Lifeworks My Student Support Program (My SSP) is designed to help international students who are having trouble acclimating to life in America by matching students with support in their own, native language and culture.

“With a significant number of students choosing to study outside of their home country, this offering is increasingly important for schools to extend to their students,” said Matthew McEvoy, Senior Director of Lifeworks said. “By encouraging international students to seek support in times of need, together we can decrease the stigma and enhance the overall student experience.”

Expressing Concerns to Native Speakers Who Understand

International students seeking support want to hear a familiar language because it is much easier for them to express themselves in their native language—as it is for all of us.

Lifeworks easily integrates with existing campus resources and connects students to licensed, professional counselors who speak their native languages and understand the obstacles that come with being immersed in a new culture. The multidisciplinary network of expert counselors can identify presenting problems or needs as they arise.

Immediate support is available in six core languages and ongoing support is provided in more than 60 languages via app, chat, web, telephone and video 24/7. This is beneficial to you as an international advisor because chances are, you do not speak all of the languages that your international students do.

Expanding Social Networks and Avoiding Cultural Loneliness

“Cultural loneliness” occurs from the loss of native culture and language. Oftentimes cultural loneliness is not eased by social support in the target country, which may be why international students often lean on and form friendships primarily with those who know their native culture and language for consolation  Patron, M. (2014). Loss and loneliness among international students. Psychology Journal, 11(1), 24-26

Getting help from a professional, licensed counselor who knows the international student’s culture and fluently speaks his or her language can help a student combat cultural loneliness. The counselor can encourage the student to expand their social circle and interact with other students who are not from their country of origin. This social interaction can help keep the student from drifting into isolation from others and avoiding student activities.

Reducing the Effects of Homesickness

If homesickness is not addressed, it could snowball into larger forms of depression that can affect the student’s performance. Homesickness can arise from something as simple as missing the food or music from back home.

Although some colleges are trying to incorporate more familiar food choices and diverse cultural events on their campuses, some students still do not feel comfortable in their new environment and feel homesick.

We believe that international students should not have to handle their struggle with homesickness alone and it is an issue that needs to be addressed. Click here to learn more about how homesickness affects international students.

Professional Counseling and International Student Health Insurance

“Many health insurance plans offer mental health benefits with meaningful coverage, but the real value to an international student is having the ability to speak with a provider in that student’s native language and when the need is immediate,” said Mike Lewer, President and CEO of LewerMark. “LewerMark’s focus has always been to protect international students with meaningful insurance coverage and high-quality service. Lifeworks focus on preventative support to foster student wellbeing makes this a perfect fit. We are pleased to provide this robust offering to our student population and to continue to improve the lives of students studying at our partner institutions.”

The Lifeworks My SSP program addresses mental health challenges that are not found in traditional health insurance packages for international students, such as:

• Struggling with peer pressure, loneliness, stress, depression, and/or anxiety
• Dealing with financial stress that can occur from tuition and other expenses while in school including debt advice and management
• Balancing important responsibilities while experiencing a new culture
• Coping with bereavement, harassment, eating disorders, substance abuse, gambling, domestic violence, and gay/lesbian/gender issues
• Dealing with pregnancy and childcare issues

If you are interested in learning more about My SSP and other features of LewerMark’s international student insurance plan, you can contact: Jeff Foot, Ed.D, Executive Director of LewerMark, 800.821.7715, ext. 112 or via email at [email protected].

An address by Martin Luther King, Jr. on August 28, 1963 before hundreds of thousands of Americans in front of the Lincoln Memorial.

I am happy to join with you today in what will go down in history as the greatest demonstration for freedom in the history of our nation.

Five score years ago, a great American, in whose symbolic shadow we stand today, signed the Emancipation Proclamation. This momentous decree came as a great beacon light of hope to millions of Negro slaves who had been seared in the flames of withering injustice. It came as a joyous daybreak to end the long night of their captivity.

But one hundred years later, the Negro still is not free; one hundred years later, the life of the Negro is still sadly crippled by the manacles of segregation and the chains of discrimination; one hundred years later, the Negro lives on a lonely island of poverty in the midst of a vast ocean of material prosperity; one hundred years later, the Negro is still languished in the corners of American society and finds himself in exile in his own land.

So we’ve come here today to dramatize a shameful condition. In a sense we’ve come to our nation’s capital to cash a check. When the architects of our republic wrote the magnificent words of the Constitution and the Declaration of Independence, they were signing a promissory note to which every American was to fall heir. This note was the promise that all men, yes, black men as well as white men, would be guaranteed the unalienable rights of life, liberty, and the pursuit of happiness.

It is obvious today that America has defaulted on this promissory note in so far as her citizens of color are concerned. Instead of honoring this sacred obligation, America has given the Negro people a bad check, a check which has come back marked “insufficient funds.” But we refuse to believe that the bank of justice is bankrupt. We refuse to believe that there are insufficient funds in the great vaults of opportunity of this nation. And so we have come to cash this check, a check that will give us upon demand the riches of freedom and the security of justice.

We have also come to this hallowed spot to remind America of the fierce urgency of now. This is no time to engage in the luxury of cooling off or to take the tranquilizing drug of gradualism. Now is the time to make real the promises of democracy; now is the time to rise from the dark and desolate valley of segregation to the sunlit path of racial justice; now is the time to lift our nation from the quicksands of racial injustice to the solid rock of brotherhood; now is the time to make justice a reality for all of God’s children. It would be fatal for the nation to overlook the urgency of the moment. This sweltering summer of the Negro’s legitimate discontent will not pass until there is an invigorating autumn of freedom and equality. Nineteen sixty-three is not an end, but a beginning. And those who hope that the Negro needed to blow off steam and will now be content, will have a rude awakening if the nation returns to business as usual. There will be neither rest nor tranquility in America until the Negro is granted his citizenship rights. The whirlwinds of revolt will continue to shake the foundations of our nation until the bright day of justice emerges.

But there is something that I must say to my people, who stand on the worn threshold which leads into the palace of justice. In the process of gaining our rightful place, we must not be guilty of wrongful deeds. Let us not seek to satisfy our thirst for freedom by drinking from the cup of bitterness and hatred. We must forever conduct our struggle on the high plane of dignity and discipline. We must not allow our creative protests to degenerate into physical violence. Again and again we must rise to the majestic heights of meeting physical force with soul force. The marvelous new militancy, which has engulfed the Negro community, must not lead us to a distrust of all white people. For many of our white brothers, as evidenced by their presence here today, have come to realize that their destiny is tied up with our destiny. And they have come to realize that their freedom is inextricably bound to our freedom. We cannot walk alone. And as we walk, we must make the pledge that we shall always march ahead. We cannot turn back.

There are those who are asking the devotees of Civil Rights, “When will you be satisfied?” We can never be satisfied as long as the Negro is the victim of the unspeakable horrors of police brutality; we can never be satisfied as long as our bodies, heavy with the fatigue of travel, cannot gain lodging in the motels of the highways and the hotels of the cities; we cannot be satisfied as long as the Negro’s basic mobility is from a smaller ghetto to a larger one; we can never be satisfied as long as our children are stripped of their selfhood and robbed of their dignity by signs stating “For Whites Only”; we cannot be satisfied as long as the Negro in Mississippi cannot vote, and the Negro in New York believes he has nothing for which to vote. No! no, we are not satisfied, and we will not be satisfied until “justice rolls down like waters and righteousness like a mighty stream.”

I am not unmindful that some of you have come here out of great trials and tribulations.  Some of you have come fresh from narrow jail cells. Some of you have come from areas where your quest for freedom left you battered by the storms of persecution and staggered by the winds of police brutality. You have been the veterans of creative suffering. Continue to work with the faith that unearned suffering is redemptive. Go back to Mississippi. Go back to Alabama. Go back to South Carolina. Go back to Georgia. Go back to Louisiana. Go back to the slums and ghettos of our Northern cities, knowing that somehow this situation can and will be changed.  Let us not wallow in the valley of despair.

I say to you today, my friends, so even though we face the difficulties of today and tomorrow, I still have a dream. It is a dream deeply rooted in the American dream. I have a dream that one day this nation will rise up and live out the true meaning of its creed, “We hold these truths to be self-evident, that all men are created equal.” I have a dream that one day on the red hills of Georgia, sons of former slaves and the sons of former slaveowners will be able to sit down together at the table of brotherhood. I have a dream that one day even the state of Mississippi, a state sweltering with the heat of injustice, sweltering with the heat of oppression, will be transformed into an oasis of freedom and justice. I have a dream that my four little children will one day live in a nation where they will not be judged by the color of their skin but by the content of their character.

I HAVE A DREAM TODAY!

I have a dream that one day down in Alabama — with its vicious racists, with its Governor having his lips dripping with the words of interposition and nullification — one day right there in Alabama, little black boys and black girls will be able to join hands with little white boys and white girls as sisters and brothers.

I HAVE A DREAM TODAY!

I have a dream that one day every valley shall be exalted, and every hill and mountain shall be made low. The rough places will be plain and the crooked places will be made straight, “and the glory of the Lord shall be revealed, and all flesh shall see it together.”

This is our hope. This is the faith that I go back to the South with. With this faith we will be able to hew out of the mountain of despair a stone of hope.  With this faith we will be able to transform the jangling discords of our nation into a beautiful symphony of brother-hood. With this faith we will be able to work together, to pray together, to struggle together, to go to jail together, to stand up for freedom together, knowing that we will be free one day.  And this will be the day. This will be the day when all of God’s children will be able to sing with new meaning, “My country ’tis of thee, sweet land of liberty, of thee I sing. Land where my father died, land of the pilgrim’s pride, from every mountainside, let freedom ring.” And if America is to be a great nation, this must become true.

So let freedom ring from the prodigious hilltops of New Hampshire; let freedom ring from the mighty mountains of New York; let freedom ring from the heightening Alleghenies of Pennsylvania; let freedom ring from the snow-capped Rockies of Colorado; let freedom ring from the curvaceous slopes of California. But not only that. Let freedom ring from Stone Mountain of Georgia; let freedom ring from Lookout Mountain of Tennessee; let freedom ring from every hill and mole hill of Mississippi. “From every mountainside, let freedom ring.”

And when this happens, and when we allow freedom to ring, when we let it ring from every village and every hamlet, from every state and every city, we will be able to speed up that day when all of God’s children, black men and white men, Jews and Gentiles, Protestants and Catholics, will be able to join hands and sing in the words of the old Negro spiritual: “Free at last. Free at last. Thank God Almighty, we are free at last.”

Source: Martin Luther King, Jr., I Have A Dream: Writings and Speeches that Changed the World, ed. James Melvin Washington (San Francisco: Harper, 1986).

Welcome back to school, let LewerMark and VSP help you Combat Computer Vision Syndrome

Whether you spend a lot of time on the computer writing papers, searching the web, or watching videos, chances are your body is feeling the effects of spending too much time logged on—dry eyes, tired eyes, headaches, neck pain, blurred vision. Luckily, help is on the way.

Here are Six Simple Steps you can take to help minimize the impact of Computer Vision Syndrome:

Keep blinking. It washes your eyes in naturally therapeutic tears.

Remember 20-20-20. Every 20 minutes, spend 20 seconds looking at something 20 feet away, minimum.

Get the right light. Good lighting isn’t just flattering – it’s healthy for your eyes. So, keep bright lighting overhead to a minimum. Keep your desk lamp shining on your desk, not you. Try to keep window light off to the side, rather than in front or behind you. Use blinds and get a glare screen. Position the computer screen to reduce reflections from windows or overhead lights.

Monitor your monitor. Keep it at least 20 inches from your eyes. Center should be about 4 to 6 inches below your eyes. Also, make sure it’s big enough and with just the right brightness and contrast. Adjust the screen so you look at it slightly downward and are about 24 to 28 inches away. Adjust the screen settings to where they are comfortable — contract polarity, resolution, flicker, etc.

Wear those computer glasses. Your doctor can prescribe a pair of eyeglasses just for viewing the computer screen well. If necessary, wear the appropriate corrective lenses while at the computer.

Talk to your doc. Have a comprehensive eye exam by a VSP network doctor. During your eye exam, your eye doctor can check for more than just computer vision problems. They’ll look for signs of health conditions like diabetes, high cholesterol, high blood pressure, glaucoma, and macular degeneration. It’s an important part of your overall health routine.

If you need to visit an eye doctor, but don’t have vision coverage, consider a VSP Individual Vision Plan which covers exams, frames, lenses and more. Visit Vision Plans to learn more and enroll.

Tax time is almost here. At LewerMark, we know the US tax system is very complicated, especially for international students. If you are an international student studying the in the United States, here are some things to assist you with tax preparation:

Did you know…

• Did you know that all international students must file an 8843 form?  Click here for a link to the PDF.

• Did you know that Sprintax can help international students with their federal and state taxes? Click here to learn more.

 Here are some additional facts that may be of interest to you.

• India and the US have an income tax treaty. With the change to the tax laws in 2018, students from India are able to claim a higher standard deduction on their non-resident form from $6,350 to $12,000.

• The tuition waiver is now taxable in 2018. Before 2018, tuition waivers under 529{c} were considered non-taxable and non-reportable. That is no longer the case.

• You can no longer pay for previous state taxes during the current tax year.

• Miscellaneous itemized deductions are no longer allowed. Expenses such as tax preparation fees, investment expenses, deposit boxes, etc., used to be itemized deductions. Beginning this year, that is no longer the case.

• Moving expenses are not allowed, except if the taxpayer is an employee of the US military.

• Expenses for personal casualty loss and theft are not allowed, except if they are under disaster area rules.

If you (or your international students) have questions about any of the above or any other tax-related questions, it will be important for you to contact a qualified tax professional, like those at Sprintax. Remember to act soon; the deadline to file your 2017 taxes is Tuesday, April 17.