Saturday, December 3, 2016

Internship

This is regarding internship aka 1st year of residency in my program

General rules
Most programs make each module lasting 4 weeks, and they generally start on a Monday in internship. There are a TOTAL of 13 modules for the academic year, with a month for vacation

The first month was more of getting used to the EMR system in the hospital while figuring out how to get from home to hospital and back! Another part of starting new in a place is figuring out transportation. Should you be in New York, the public system is well connected. However, in Cleveland, the same is not true! You will need a vehicle if you intend to survive internship, at least that is what I think! Let me give you the following example- If I take the bus daily, I will take an hour to reach work, but if I have a car I will reach the SAME place in 20 mins, which translates to 40 more minutes of sleep! Who says no to that! 

Lastly, it takes every resident, in my opinion, a good number of days to learn how to function in a new unit. But, I feel as long as you have good seniors, you will thrive, no matter where you are! 

EMR (Electronic Medical record)
Things that I would recommend future applicants to look for is definitely the EMR (electronic medical record) system which a hospital uses. For example, my program uses EPIC, which is PRETTY powerful. We do NOT have written documents and thanks to a tie up with different hospitals within the EPIC ecosystem we are able to access patient records in other hospitals as well. 

As an intern trying to learn the ins and outs of Epic, took me a GOOD amount of time ~a month, and that too I only knew the basics. Till date I keep finding out new things about epic, both from my current interns as well as the attendings I work with, to say the least.

Things the EMR is used for - writing daily progress notes, results for labs that were sent and at times to mail another physician via the patient workspace about patient information. When I started my residency, my PD and chief, realizing that we as IMG's have a lot to learn placed us in electives, which helped us learn how to function in epic without getting too overwhelmed. For my good fortune, I had a co-resident, with who I powered through learning EPIC.

Modules
Wise wisdom from a senior of mine- 'Internship is not about learning, it is more about surviving! You are in a new place, with new colleagues, learning new etiquettes and to top it you have a NEW EMR to figure out, the best you can do in this year is to survive! You will start learning in your junior and senior year; so make mistakes and don't be shy to ask questions, as you are here to learn!' And now that I am in the 2nd year of residency I cannot but express how true those words are! Internship is more about getting to work and getting your responsibilities done in time i.e. time management.

Most programs have the same set of modules, but just different names. Our program has a good mix of general floors, subspeciality floors, outpatient experience, ED, electives, NICU and vacation in internship. 

I started off with electives, which for me was perfect, I used to have a good amount of teaching, and given we had to get certified in BLS, NRP and PALS, my attending used to let us off for the needed amount of time! I loved the attendings who I worked with and I imbibed some of their signature moves, so to say, because they were so good! 

For the next rotation I went into NICU, this for many of the pediatric residents, seems to be the bane of their existence. For this, I went in with advice from a senior, who said 'You either hate the NICU or you love it, there is nothing in between!'  I had amazing seniors in the NICU, who helped me out, not only by helping me write progress notes, but by also doing some of them on my first day when they realized I was freaking out and sweating buckets!! Here knowing dot phrases (things we use in epic to auto populate results) plays a major role!

And then finally I went into the floors! Again I had amazing seniors! I still won't forget the first day I did my pre-rounds, I was a mess. My seniors, to whom I am ever thankful for, took me aside and pointed out what was wrong and ways that I could improve, and after that floors were a piece of cake. Towards the end of the rotation I even was told that compared to what I did on day 1, I was a much better resident at the end! The work times for floors as an intern is hard! You have to reach early in the morning, so as to finish pre-rounding, which includes knowing the overnight events, labs that were sent if any and a focused physical examination. Here I feel in addition to talking to the overnight resident, the nurses play a major role, as they know minute by minute play of what happened with each patient. Learning to admit and discharge patients along with discharge summaries, is a MAJOR role done by interns. Towards the end of internship you realize what labs to focus on and how to present cases better, things like lab trends make more sense that just reporting numbers! In floors, you depend on your co-residents to help you out with work like admission and discharges, seniors for tips and tricks with EMR and nurses and finally the attending on how to interact with patients!

In the States there is something called as a resident team clinic (continuity clinic)- This is a place where you get to see every week on a particular day, a set of kids for well child visits. You become a child's pediatrician, something that I am sure most of you want to do! You get to see a child grow up in front of you which is a wonderful experience.! In this team clinic, you are generally with a preceptor who helps in molding your general pediatrician skills. There are so many things you can learn from you preceptors if you only let them teach you! The urgent care clinic is considered the outpatient experience. You get to see a wide variety of illness from colds to rashes to asthmatics to what not! You learn to figure out which is a sick vs, not sick kid!

Lastly, we also have a rotation in the newborn nursery which I must say was really amazing for multiple reasons! One since you have cute babies there and 2 because my attending was amazing and 3 because my colleagues were hilarious! 


As your residency progresses, you will learn that your co-residents play a MAJOR part in how you like your program. Even seniors, since if you don't know anything they are the people who can guide you to the correct answer. In my program at least, my batchmates are really amazing! Everyone steps up if the work is too much for one to handle! Lastly, we throw random functions for no good reason! 

Fellows, though people say are not good, I feel if you use them in the right way they are the best people to have. For example, you are interested in a particular sub-speciality, fellows help in telling you what things you should look for in a program and they are also more approachable compared to attendings given they are younger as well as they know what a resident is going through! 

Now at the end of my internship, the only thing I look back and think, if I had to do it over again I would not change anything! The entire year was one roller coaster ride, but it was worth it!

If there is any grammatical error, please excuse it! Just wrote this in an hour for people who are going to come over for residency!

Saturday, August 6, 2016

Credit Cards and Terms made easy

I am not sure how far it is true. But referral links seem to help some people get credit cards quicker than if they try to apply for the card themselves.

Just as an FYI, some people wonder what it is to have a credit card and what does it entitle you to 
  • Credit line- This is your spending limit
  • Cash access- When you use your credit card to withdraw money like a debit card
  • FICO score/credit score- It measures your credit worthiness to credit card companies. It is a BIG deal in the States, at least if you planning to buy a house or take a huge loan. A good number is anywhere >700 I believe and an ideal number is >750. This site is useful for people interested in knowing more about credit scores. Factors that impact the score

    1. Payment history (35%) Timely payments on all your accounts can help you get a higher score. The score is lowered for late payments, delinquent or over limit accounts, bankruptcies, and liens.
    2. Total amount you owe (30%) This is the ratio of what you owe to the amount of your available credit or your debt-to-credit ratio. A high credit card balance can lower your credit score as it may reflect difficulty affording your monthly payments. However, if you have a high credit limit and you keep your balances low, your debt-to-credit ratio will be low, so a higher credit limit can help you protect your good credit score. But this is only the case if you continue to keep your balances low.
    3. Length of credit history (15%) This shows how long you've been using credit and how well (or poorly) you've managed your finances in the past.
    4. New credit accounts and inquiries (10%) This includes accounts you've opened recently and recent inquiries from companies you've applied to for credit. Be aware that applying for too much credit can lower your score.
    5. Types of credit in use (10%) This includes all your credit accounts—credit cards, installment loans, mortgages and other types of credit.
  • You can also use credit score checking sites like Credit Karma or Credit Sesame which helps to keep track off credit checks on your account


Example for the use of a credit card-

I want to buy a 4K item but I have only 2k in my BANK account. For people from my country where debit is the mode of payment, one would have to wait till you have the money to buy things and only then can you buy it. This is where a credit card comes into play, it gives you the power to pay for stuff that you DO NOT have money for at the moment. So say I have a credit line of 5k, now I can definitely buy this item since it WITHIN my spending capacity, in other words, I have an invisible amount of 5k which can be used to buy it. Now the only trick is that you HAVE to pay off this balance before the set due date on your credit card. So you have to link your bank account to this credit card and pay off the amount you spend on it. PLEASE NOTE YOU HAVE A DEADLINE for payments, so if you are sure you WON'T have the ACTUAL money to pay off the credit card DO NOT, I repeat DO NOT BUY the item.

People do say that one should not MAX out a credit card. It means, if I am not mistaken, DO NOT over spend. So say the item was 6k and your credit card limit is 5k, then sorry to say my friend YOU CANNOT buy the item ONLY on the credit card. However, you can pay 4.99k from the credit card and the rest from the 2k that you have in your bank account. Once again a reminder YOU HAVE to pay off the credit card before the due date for the card.

Now coming to the actual credit cards for people, the following are some credit cards that I have which I feel are useful

This was my first credit card. I got it when I had no history and I guess the referral from my friend made the difference, since I know of people who did not use a referral and were rejected. So in case you want a referral this is my referral link
Pros
-         I feel the cash back bonus in different categories is extremely useful. Details can be found here
-         Also, link this card to your Amazon account and see the rewards building.
-         There is a promo that at the end of your first year, they will double your reward points which is pretty good
-         You can also get referral bonus of 50 bucks which is a pretty sweet deal to be frank
-         You get your FICO score for free on a monthly basis (when you have at least 6 months of history if you are an IMG like me)
Cons
-         International transactions are charged an extra of 3%
-         It at times is NOT accepted everywhere

This is one of the steady cards that I know off. I heard rumors of this card shutting down since there is Freedom Unlimited, but I highly doubt it. This is a card one must get once your Discover card starts showing you a FICO score. So in case you want a referral this is my referral link
Pros
-         The card is by Chase, which is a big name in the banking sector
-         Rotating 5% reward categories like Discover, calendar can be found here
-         You earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
-         Unlimited 1% cash back on all other purchases - it's automatic
Cons
-         You don’t get a FICO score like Discover

_____
    I have switched from sapphire preferred to freedom unlimited due to the fact that I earn 1.5x points for everything. My referral link is here.

A sleek metal card design which was my BIGGEST reason to get the card. So in case you want a referral this is my referral link
Pros
-         You earn 75,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®. (I now it is a A HUGE AMOUNT, but guess offering to spend for others helps here)  
-         For those who travel and eat A LOT, you get 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
-         Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening- You can add random person and once they swipe destroy the card
-         $0 foreign transaction fees- This is another awesome feature when traveling outside the States
-         1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points- I have NOT used this feature but it is really enticing
-         Travel confidently with premium Travel Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement and more
Cons
-         Annual fee after the first year $95, which though is high I feel is worth the cash back
-     



That's all folks for now!

Friday, June 3, 2016

“I regret saying that I am denying you visa to the US”

“I regret saying that I am denying you visa to the US”

“Why?” asked me!
“Because your scores are very low and I do not feel that you will be able to do anything with these there”, said a slightly surprised visa counselor.
“Who are you to judge my scores? You are not qualified to do so. I know my scores are not good. But I have done my background research before deciding to commit so much of time, money and effort to this. It is tough but it is not impossible! When there is hope, why should I give up on my dreams?”
There was a whole minute silence. The shock on the counselor’s face was screaming that no visa candidate had ever argued with him like this. But for my pounding heart, it was a do or die moment!
“Ok, you will get one chance and only one to prove what you can do”
And so I got my first EVER international visa stamp, that too into the US and thus my journey to the States began!
Hi all, I was reading Neil's blogs and thought to share my experiences in the USMLE journey so that others who are in similar situations like mine are motivated to see through it until the END!
That being said let me start at the beginning.
In 2013, I was one amongst the thousand's of US residency aspirants and by no means a lucky one! I literally had every hurdle imaginable to an IMG.
Citizenship: I am from a third world country and NEVER visited any foreign country.
Exam scores:  My USMLE step 1 score was below the 90thcentile and step 2 in low 90s.
Graduation: I had been working for 2 – 2.5 years after medical school and so I wasn’t a fresh graduate. 
Past 'Research' experience: I did do some clinical research work after graduation, but nothing too fancy.
US experience: I had a very short (2 week) observership in one of the University hospital's (from where I was lucky to get a good letter)
Interview call: of the 70 odd pediatric programs that I applied to, I received only 1 interview call.
Match day! – of course, to no surprise for all, I did not match :( 
However, I feel God must have heard my prayers, because on the day after 'Match' day – I received a call from the program coordinator of the hospital I interviewed at stating “One of our matched candidates is not able to make it to the residency program. Are you still interested in joining us?” 
And I was SHOUTING in utter disbelief! “Yes, I am.” J
Finally, when I did go to get my H1B visa stamped, the visa officer who denied my visa in the first place, saw me and looking at me came out, smiled and said: “Well Done!” Oh, the joy of proving someone wrong, Incredible!
So here I am, almost at the end of my pediatric residency and still living a dream! The sole purpose of writing my path to USMLE  is to  encourage you to keep trying! Don’t give up on your dreams, no matter how crazy people think you are! You never know what life might have in store for you. I faced hurdles, extra hurdles, in every step! Every person I knew looked at me as if I am crazy to pursue USMLE further. But I knew what I wanted and I was determined to do all that I can! So saying I end with this  
I shall be telling this with a sigh
Somewhere ages and ages hence:
Two roads diverged in a wood, and I—
I took the one less traveled by,
And that has made all the difference.
The Road Not Taken – Robert Frost


Thursday, May 12, 2016

Taxes in the US

This time, I thought would just write about tax paying in the US for my fellow residents or new residents starting this year. First off the basics, a tax year is counted from January 1 to December 31, and you are required to file federal income tax returns by April 15.

There are multiple ways to pay taxes

  • Online - Turbo tax etc which are really simple and free, at least the basic outline
  • Through an agent for a fee
I personally did mine through an agent since I am new to the States and I did not have much free time as an intern. In the first year of residency, you get a decent amount of money back and hence I recommend going with an agent. So, as usual, I asked my senior on who to contact and he gave me the contact details of his tax agent and she kinda ran me through the entire process. There were some colleagues and seniors of mine who have stated that one can get the same amount of refund via online software's (Turbo-tax), but I personally did not have much time or luck to go through the same.

To file taxes you need the following documents 
  1. W2 from your employer
  2. 1099-INT if you had any miscellaneous incomes (see below for more details)
  3. Moving expenses (a rough estimate)
Once you get those details you send the same to your tax agent who gives you an estimate of how much refund you get and then you are set.

Note
If I am not mistaken there are 3 taxes in total
- Federal (USA)
- State (Ohio)
- City - The general consensus is that one does not owe city tax if you live and work in the same city. 
Elaborating on some terms

Form W4
When you join a company, your employer will ask you to fill Form W4. That form gives information to the employer regarding how many deductions an employee can make. For every deduction claimed, the employee is able to deduct a certain amount of income from the income tax. The number of deductions claimed in the W4 form is just an estimate regarding how much tax you may owe. 

1099
There are several types of 1099 forms:
  • 1099INT: For interest paid by a bank.
  • 1099DIV: For dividends and distributions paid by financial institutions.
  • 1099R:Distributions from Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc.
  • If you paid interest on a mortgage or real estate taxes, you will receive 1098 with that information.