Hey everyone! I'm David, an 18 year old currently living in the U.S.. I will be studying in Hong Kong for the next three years (to be specific, I will be in Kowloon Tong). I'm wondering what advice you guys have for me. I plan on wiring money from my United States bank account to a Hong Kong bank account, and then using the exchange rate of the Hong Kong bank account. Is this a good plan? Any tips on how to get good exchange rates with minimal fees? I'm also wondering about what cell phone services you may reccomend (I'd like 1000 minutes a month, good service, i have my own gsm unlocked quadband phone).