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savings on rail passes, plane tickets, entrance fees, and more. It also provides students with basic health and life insurance and a 24-hour help line. The card is valid for a maximum of 18 months. You can apply for the card online or in person at STA Travel ( 800/781-4040 in North America, 132 782 in Australia, or 0871/230-0040 in the U.K.; www.statravel.com), the biggest student travel agency in the world; check out the website to locate STA Travel offices worldwide. If you’re no longer a student but are still under 26, you can get an International Youth Travel Card (IYTC) from the same people, which entitles you to some discounts. Travel CUTS ( 800/592-2887; www.travelcuts.com) offers similar services for both Canadians and U.S. residents. Irish students may prefer to turn to USIT ( 01/602-1906; www.usit.ie), an Ireland-based specialist in student, youth, and independent travel.

Taxes The United States has no value-added tax (VAT) or other indirect tax at the national level. Every state, county, and city may levy its own local tax on all purchases, including hotel and restaurant checks and airline tickets. These taxes will not appear on price tags. Sales tax in San Francisco is 8.5%. Hotel tax is charged on the room tariff only (which is not subject to sales tax) and is set by the city, ranging from 12% to 17% around Northern California.

Telephones Many convenience groceries and packaging services sell prepaid calling cards in denominations up to $50. Many public pay phones at airports now accept American Express, MasterCard, and Visa. Local calls made from most pay phones cost either 25¢ or 35¢. Most long-distance and international calls can be dialed directly from any phone. To make calls within the United States and to Canada, dial 1 followed by the area code and the seven-digit number. For other international calls, dial 011 followed by the country code, city code, and the number you are calling.

Calls to area codes 800, 888, 877, and 866 are toll-free. However, calls to area codes 700 and 900 (chat lines, bulletin boards, “dating” services, and so on) can be expensive—charges of 95¢ to $3 or more per minute. Some numbers have minimum charges that can run $15 or more.

For reversed-charge or collect calls, and for person-to-person calls, dial the number 0 then the area code and number; an operator will come on the line, and you should specify whether you are calling collect, person-to-person, or both. If your operator-assisted call is international, ask for the overseas operator.

For directory assistance (“Information”), dial 411 for local numbers and national numbers in the U.S. and Canada. For dedicated long-distance information, dial 1, then the appropriate area code plus 555-1212.

Time The continental United States is divided into four time zones: Eastern Standard Time (EST), Central Standard Time (CST), Mountain Standard Time (MST), and Pacific Standard Time (PST). Alaska and Hawaii have their own zones. For example, when it’s 9am in San Francisco (PST), it’s 7am in Honolulu (HST), 10am in Denver (MST), 11am in Chicago (CST), noon in New York City (EST), 5pm in London (GMT), and 2am the next day in Sydney.

Daylight saving time (summer time) is in effect from 1am on the second Sunday in March to 1am on the first Sunday in November, except in Arizona, Hawaii, the U.S. Virgin Islands, and Puerto Rico. Daylight saving time moves the clock 1 hour ahead of standard time.

For help with time translations, and more, download our convenient Travel Tools app for your mobile device. Go to www.frommers.com/go/mobile and click on the Travel Tools icon.

Tipping In hotels, tip bellhops at least $1 per bag ($2–$3 if you have a lot of luggage) and tip the chamber staff $1 to $2 per day (more if you’ve left a big mess for him or her to clean up). Tip the doorman or concierge only if he or she has provided you with some specific service (for example, calling a cab for you or obtaining difficult-to-get theater tickets). Tip the valet-parking attendant $1 every time you get your car.

In restaurants, bars, and nightclubs,