Building a HISTORY in the States

These tips and tricks are entirely based on the advice of a VERY wise senior. When you first come to the States for residency, you will need a couple of things to setup.

SIM CARD
Firstly a mobile number. Given that a good number of residents come from outside the States, having a network which gives you free calling to your home country is a BONUS. That's where UltraMobile comes into place. I know in my previous post I said H2O is good, but trust me when I say that UltraMobile is the real deal. For 30$ per month, you get unlimited calls to India with 1GB of 4G data, which is PRETTY IMPRESSIVE! It also has an option of getting nano sim, so in case you decide to upgrade your phone, which many of you will do, it has got your back covered! :) You can get the initial sim on Ebay for 10 bucks which gives you the first month for FREE!
It is totally up to you on how risky you want to be. If you want to buy it directly from UltraMobile, here is your link

BANK ACCOUNT
Next is for earning cash back when you open a bank account. Generally find the bank which your institute has a tie up with. Go to their site and check for any promos that they are running. They might have an offer that should you open an account with their bank you will get a bonus of $ XYZ for signing up!!! which is PRETTY AWESOME!
P.S.- I used Keybank and got 1/3 of a $1000 :P

CREDIT CARD
The last trick that again, my senior taught me, was regarding getting a credit card. Most of the USA banks DO NOT give you a credit card UNLESS you have a credit history. However, Discover does give you one with no credit history with a credit line of $1500 which is PRETTY COOL! So in case you are still hunting around for a credit card do head out to Discover and check it out. You can shoot me an email @ neilnf@gmail.com if you want a referral, following which you and I get a referral bonus for $50 each.

That's it, folks!

UPDATE: Just FYI for the bank you need a direct deposit to get the bonus. For both SSN is needed. For the credit card you need address proof as well.


If you do have any other tricks, please do let me know. After all we are here to help each other! :)

Google Voice and it's uses for USMLE

Did it ever happen that try what you may, your mobile service provider’s voice-mail just refuses to get set-up??!!

I experienced that and I am thankful that it happened, else I would not have stumbled upon Google Voice. The only unfortunate part was that I really did not realized the potential of it until late in the interview season, to be frank towards the end.

So before I go into the details let me explain the reason why this post is here. The first thing that most of us do when our plane lands in the States is to hunt for a USA mobile service provider. Once that is done, it becomes the mode of contact for you and almost everyone else you get in touch with. But have you ever thought that once you are done with your electives, and it’s time to come back how will they contact you or vice versa? I do agree WhatsApp is a wise alternative, but it is generally registered on your home country number, which I do not think you will share with all of them except for the residents or your colleagues. Here is where Google Voice comes to the rescue.

So once you have finalized a decent USA mobile service provider and have the sim in hand, it is the ideal time to set up your Google Voice account. The different options for buying a sim are mentioned in my other post here. Registering for Google Voice is pretty simple and straightforward and the link is here. Once registered, there is an option to opt for a Google Voice mobile number, where you get pretty cool phone numbers to choose from to be frank. My number for example is +1-916-936-3451 (+1-916-93NEIL1). You can try various combinations and options to get a cool one for yourself. Once you have finished fiddling around to get a number, I would recommend you share this number with all your colleagues instead of the USA service provider’s number. The reason being, should anyone call you it automatically gets forwarded to your USA service provider’s number and, supposing you are unable to answer your phone when they call, Voice offers a voicemail service which even transcribes the voicemail to text which you can read when you do check your phone.

The advantage of Google Voice is that it does not lapse like the number that you get from your service provider should you not recharge it for 2-3 months. I mean once you  are back in your home country, why will you want to recharge your US number and not even use it? So even though your US number will be disconnected, should people message or call your Google voice number you will still receive the messages or calls on Voice or Hangouts, whichever is convenient for you. Last but not the least you can also call and send messages (SMS) from your Google Voice number as long as you have a working internet connection.

Hope this post helps future USMLE aspirants who can make complete use of this simple but potentially amazing offering from Google.

Disclaimer – I am not being paid anything by Google for this :P