Showing posts with label downloads. Show all posts
Showing posts with label downloads. Show all posts

Wednesday, January 4, 2017

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1. Amazon Prime: Get $10 when your friends join Prime Student. Students currently enrolled in a college or university who have a valid .edu e-mail address can join Prime Student.


2. Google Express: Sign up and at checkout save $10 on your first order on Google Express.


3. Lyft: Get 50$ Lyft credits towards your rides. Download the app and get a ride from a friendly driver within minutes.








Saturday, September 3, 2016

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Grad school applications  —  What I learned

Now this is a longish post and contains everything I know about applying for higher studies, selecting universities. I was in this situation a few months back and had no idea to do what, where, how, when and for how long. Fortunately, I was able to find someone amazing who helped me out every single step of the way. Honestly, I doubt I’d have been able to get anywhere without her. Not everyone may be able to find someone like this. Even if you do, you may not want to bug someone so much; not to mention, you’d feel much more confident and in control if you yourself had a good idea of what lies ahead and everything that needs to be done.
Of course, if you’re reading this, I assume you’ve decided on wanting to pursue higher education. Your reason may be weird, but if it’s good enough, it works. I’m no career counsellor, and neither are a lot of people. The decision has to be taken by you. In my case, I simply wanted to do a Masters because I felt I needed more exposure to the outside world and a single undergraduate degree from a top institution in the country just didn’t cut it for me. You have a different reason? Sure! Go ahead. I’ve seen people decide overnight they want to do a Masters. Some want to specialise in a field of study, some see it as a ticket overseas, some do it because they don’t want to get into a job too soon. Whatever your reason be, discuss it with your parents, friends and blah. You get the idea.
I’m not too confident about the procedures in the European schools. They’re quite similar to the ones in USofA, but one can never be sure.
So. Where does one start?
Well, there are exams you need to give, universities you need to decide, programs you need to look at, profs and projects you need to delve into, CG you need to maintain (or do you?), resumes you need to build, statements you need to write, profs you need to bug, etc. There’s all that. It can be overwhelming at first, but one step at a time.
So most of the deadlines (for joining the university in the Fall semester) are in December. That means, you’d ideally want to be done with your GRE and TOEFL by September end giving you enough time to write your statement of purpose, decide on schools, etc. (I HAVE seen people give their GRE in late October too and still make it!). Getting done with the GRE early also gives you enough buffer time in case you have to write it again (you can only give it once in three weeks)
Let’s talk about all of these things (approximately in the order you’d be doing them in).

GRE

GRE doesn’t matter as long as you don’t screw it up. The bitter truth is once you are beyond a certain score, the exact number doesn’t really matter.
This is a test on 340 in which there are two sections — English and Quant (both of 170 marks each). There’s a separate section on writing skills which is of 6 marks that aren’t included in the 340. So what’s a safe score? Well, I’d say, as long as you’re scoring above about 320 (325 if you want to be super safe), you’re good. Score above this and your GRE score is not going to matter. The GRE score might come into play in the hypothetical situation that there are two candidates competing for a spot and everything else in their profiles is on par. Too small a possibility to worry about.
The English section needs prep; the quant is something that you’d be quite used to if you’ve been through the traditional Indian schooling system. Assuming you’re putting in a couple of hours a day, I’d say you need on an average of a 3 weeks prep for the GRE (subjective obviously).
To prepare, I had all sorts of books and resources available to me, however the only two things I used were -
Sure Magoosh does cost quite a bit, but it’s worth it. There’s nothing more that you need if you use their test prep software. It’s simply the BEST test prep material out there. If you’re paying so much for the test itself, might as well pay a bit more and make sure you do it right in the first go.
Magoosh has numerous practice questions and stuff that will get one acquainted with the GRE format, things to watch out for in the test, etc.
To prepare for essays, there are some very useful sample essays on the ETS website that one can go through. Each essay is graded on a score from 1–6. The sample essays show how an essay is graded, the difference between a 4/6 essay and a 5/6 one.
ETS also gives you two free tests to take. These tests are the closest they can be to the actual GRE. So it’s often a good idea to take these a few days before the GRE.
Sending your scores
Once you’re done taking your GRE, you need to send these scores to the university you plan to apply to. Sure, you don’t need to do this immediately; you can postpone that for a few months later. But ETS allows you to send the scores to 4 institutions for free right at the end of the test. So it does help to get a fair idea of the colleges you’d be applying to. Sending to more schools costs 29$ per school.
NOTE — You need your passport to give the GRE and TOEFL

TOEFL

Now after the GRE, the TOEFL is a piece of cake to be frank and nothing more than a formality. I gave the TOEFL three days after my GRE.
TOEFL tests you on four parameters — reading, writing, speaking, listening. The only section you’d need to practice would be the speaking section.
The test is on 120 (30 for each section) and the highest filter I’ve seen set by a university for application is 108. Getting above that score should be a piece of cake. I’ve had friends score full in the test.
ETS also lets you send your TOEFL scores to 4 universities for free. However, unlike GRE, the universities need to be decided prior to taking the test. 17 bucks per school after that.

Statement of Purpose

Two pages long. Your best shot to sell yourself to the admission committee. Some universities have their specifications about SoPs though. Some may want it no longer than one page, some set a character limit, etc (Heck, NYU wanted a VIDEO SoP). Irrespective, whoever ends up reading your SoP will in all probability not spend more than a minute or 30 seconds glancing through it.
Write your version 1.0 on your own first. Do not look at someone else’s statement before you do. You run the risk of losing out on your originality otherwise. Then go ahead and take a look at other’s SoPs from the past in the same field as yours. Taking inspiration, make appropriate changes to yours. Get as many people as possible to give you their opinion on it, go through it, suggest changes. Reason with them about the same and make changes you seem fit. Writing an SoP can be a tiring and draining task. Even after 11 or 12 versions, you never really feel like you’re done. There ALWAYS seems to be room for improvement. Writing the SoP can easily take 2–3 weeks. And it’s completely okay to give it this amount of time given it’s importance.
Your statement of purpose gives form and shape to your credentials. Sure, you have your GRE score, your GPA, your internships, publications, projects, etc. but it’s your statement that gives the reader a perspective to view all of that from. A good SoP makes the reader see the good even in the bad (without doctoring any of the details). Your GPA fell drastically in junior year. Well, yeah but you gained loads of experience organising your college fest! You learnt what went wrong and made sure you did better the next semester. Maybe you were instead focussing on your projects which can clearly be seen in that publication you got or the amazing results of the project or the good project grade! What made you take on research projects suddenly? What was the new found motivation? Why did you score poorly in X course? Don’t try and hide the bad stuff hoping they won’t notice. Given the number of applications they go through, chances are they will and if they’re unable to find a reasonable explanation/mention of it anywhere, your application might be discarded without a second thought.
When I was applying to grad school, my CGPA was in the WORST possible situation it could have been. It had been on a CONSTANT decrease since the first semester. Due to the snail paced administration of the college, I had an incomplete grade in my Honours project (which would have helped bring my semester GPA from 5 to a 6 point something, but alas!), I had received my record lowest grades the previous semester and the course of the very specialisation I was applying to (computer vision) — the field I claimed to be an expert in, had a shining C-written next to it. With all of that going on, I should’ve been a straight out reject. But I addressed it subtly in my SoP. That’s probably what saved me. Because if that didn’t, I have no idea what did.
No matter how confused you are, your SoP needs to reflect an absolutely clear stream of thought. I had no idea what in Computer Science I wanted to pursue in grad school. But fact was most of my projects were in Computer Vision (CV), all my LoR’s were from profs very highly regarded in the field, I had a CV internship, a CV paper submitted and awaiting decision (oh yes, even more bad timing. My biggest publication would only have its result out WAY AFTER all the grad school deadlines). So heck yeah, my SoP needed to be all about me wanting to do CV more than anything else. There was no other way to go about it (note that once you’re admitted to a generic computer science program, you can go in and pursue whatever you want; you’re not tied to what you wrote in your SoP)! I tried writing a statement that explained why I wanted to change streams and try something else (with no idea what this something else was); I read it once and trashed it. So even if you’re changing streams, be very careful in the way you go about presenting your situation. Give hard facts that support your thought of wanting to switch.
Also, the problem with most of the SoPs is not the grammar or the fancy vocabulary but the flow of it. It is critical for the whole statement to make the rough storm stricken journey of college seem like a cruise in perfectly calm waters on a nice and bright sunny day. Make sure adjacent paragraphs are connected well, so the reader doesn’t have to go back and forth wondering where some stupid random achievement suddenly butted in from. Get someone to read your statement and check to see if they have a confused expression at any point.

Choosing Schools

Pick random univeristies. See how their departments in the field you’re applying to are doing, see the research profiles of profs in that department, glance at their projects, maintain records, pick a good set of dream, reach and safe schools.
Fortunately I didn’t have to do much research since I wasn’t sure of which field I later wanted to pursue anyway. So I based my decisions on various other not so important factors. You should pick out categories that matter to you and evaluate schools on those criterion. Ex. Location of the university was important to me, isn’t to most others. (IMO csrankings.org is a very good resource)

Each school has a hefty application fees so you need to carefully deicide how many you intend on applying to (funny coming from me who thought of applying to 10, ended up applying to 16), how many in each category, etc. You’d be paying the application fees ($80–100), sending GRE and TOEFL scores to the school ($29+17) and the courier fees in case the particular school requires you to mail them a hard copy of your transcript (~INR 2K).
For reference — I applied to 2 safe, 4 reach and 10 dream. Apart from the ones in the sheet, I applied to Stanford (D), UNC Chapel Hill (D) and Rutgers (S).
You might want to consider applying mostly to schools that have seen applications from your university before. Apply to places where you’ve an alumni base (Ex. Gatech and CMU have quite a few IIIT alums). Universities that ACCEPT people from your country, where the streets smell of curry! You also want to go on to sites like thegradcafe.com to figure out what sort of candidates a certain university prefers. You want to go to UT Austin, but your GPA is on the lower side? Too bad. DON’T APPLY (You could still try though; how do you think I got to 16? Stanford and shizz). Apply to places that match your profile. Some colleges are pure GPA whores. No point applying to those if you’re not one with a GPA to brag about. Some prefer work ex for their program.

GPA

Now, GPA is quite important, that’s for sure. There’s probably not much you can do about it if you’re applying right now. It’s not the end of the world though. A lot of people (myself included) had pretty horrible GPAs but still made it to the program of their choice.
All the different things in your application come together and compensate for one another. Good projects can probably make up for a few low grades. Good GPA can probably make up for something else. All a decent GPA does is assure the selection committee that you give your courses the necessary time, attention and are able to cope with them. Like I earlier said, all you’ve to do is address your low GPA (if you have one) in your SoP; if you’ve a good GPA, BRAG ABOUT IT. Tell them how you always gave your courses a priority and were always onto assignments before anyone else goddamn was!

Letters of Recommendation

This is all about communication. It’s difficult to get a lot of people to write you a glowing LoR. I was fortunate to have amazing profs who didn’t even hesitate to write me 16 frikkin’ recos. I know I wouldn’t have if I was a prof. It’s of the utmost importance for your recommender to be on the same page as you. Tell them clearly how many places you intend to apply to, why you’re applying there, what exactly are you looking for in your dream school, why you think they’re fit to write you a recommendation (in most cases, it’s only coz’ you have no one else to write you one, but then life is nothing but a play of words). Take their advice on schools too! Heck, they might know someone in some school and might be willing to personally put in a word for you!
In the ideal scenario, your LoRs would be submitted on time and you’d just be sitting back and planning your Goa trip towards the end of your college life. In the real world though, it’s quite probable that you’ll be asked to write your OWN recommendation. Awkward. Don’t worry, praise yourself shamelessly for the smallest of things you’ve ever done. Whatever seems off, hopefully your recommender will edit out. It’s also highly likely that your recommendations won’t be submitted on time. All of mine were submitted three weeks late. Yep. ALL. And that sucks when one considers the amount you’re paying just for APPLYING to all those schools.
Chasing your recommenders yet not bugging them out of their MINDS is an art. A highly subjective one at that. Only you can be the true judge of how far you can go; I’ve heard stories of people who showed up at their profs doorstep at 11PM just to remind them that the deadline was a few hours later.

Prof Letting, Counselling Institutions and Scholarships

I was told by a friend of mine about Prof letting. The idea is, once you’ve applied, you send out spam mails to the profs you mentioned in your SoP saying how you love their work, what you’re into, what you’d want to work with them on, etc. You get the idea. The point of it all is, IF (and that’s a big IF) the prof digs it, he/she might ask the committee to pick you. HEY. It COULD happen! That’s all I’m saying.
I personally signed on with The Princeton review to help me “every step of the way” in my application process. Trust me, if you’re reading this and can perfectly comprehend what I’m trying to say, you can spend that 20 grand someplace else. You don’t need them. They help you with your SoP, choosing schools and blah. Big deal. You’re an adult. Do it yourself.
About scholarships. Sadly, there aren’t particularly that many out there. Those that do exist are mostly for natural sciences and the like. You could probably get someone to sponsor your airfare or something like that. I have a record of a few and can help you out with that once you get there. But I don’t think it’s worth it. If you’ve nothing else to do, then go right ahead. I do know there’s something like a TOEFL scholarship for those with excellent TOEFL scores.

Summing it up

So a college looks at a bunch of things. Research background and work experience, I didn’t talk about but it does help to have some. If you don’t, no worries; majority of the applicant pool doesn’t. Just list out your mind numbingly awesome projects and show them how uber cool you are. Make them believe you’re a perfect fit for their university! That there could be ABSOLUTELY no one better to take that spot! Believe it yourself first before trying to convince the person reading your statement.
Also, if you made it till here, you probably guessed I’m not much of a writer. Do excuse my amateur skills in expressing my thoughts. I did try though. That counts.

Friday, August 26, 2016

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Free Books


"Success is not measured by how well you are doing in life, but it is measured by how many people you are bringing along with you. So come with me and enjoy the journey of success."

First of all a big "Thanks" for landing on this page of my blog

Ever wondered how to download book when you are abroad while pursuing your education. 

Wondering why this question?
Its because downloading any kind of books from torrents is illegal and you can land in jail for doing so. 

So whats the alternative to this situation?
You can download books from sites that is genuine and that is providing all the reference books needed for your education just on a request for download.

So here is one such very useful website that provides books on the go and is very active, responsive
all the time.

Download the books from this website: Justebookshub

Friday, July 15, 2016

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10 Tips to Pack Your Suitcase for International Flight Travel


Are you going on an International Trip?  Oh Boy. It’s suitcase packing time.
It’s the fun when you are not used to packing suitcases for international air travel.
Guess, how many people helped me with packing when I came to America for the first time?
About 15 people, family and friends, were helping me pack. Everyone had a say in what to pack, how to pack and what not to pack.
Now, times have changed. We travel frequently and it doesn’t take days to pack suitcase our suitcases for Air Travel to foreign countries.
In December 2015, I flew to Europe and it took me 45 minutes to pack for the trip.

Check-In Baggage Allowance – 70 lbs

When it used to be 32 kgs per suitcase  (70 lbs) when I came to America. Those days are long gone.
It was so much easier to pack all the stuffs. But, now airlines allow max of two suitcase with 23 kgs in each. Some airlines charge even for one suitcase.
So, we have to be very careful in what we pack and how we pack.
Here are few tips that will be of some help.
Students traveling for the first time, will have lots of stuff to carry. But, staying informed about what to carry and how much to carry will greatly reduce the amount of effort and stress on you.

Air Travel – Suitcase Packing Tips

  1. Remove all the tags from new dress/clothes. It will weight almost 200 Grams ( try me ).
  2. Remove all the card-board boxes. If you feel something are fragile, try to wrap around your dress.
  3. You will get almost everything in U.S. So, try to get items that are not available in US. Those stuff goes into suitcase first ( Indian Spices, your mom’s recipebooks, pressure cooker, ..). So, the idea is to create the list of items and assign priority.
  4. Tie a colorful ribbon on the suitcase handle. It will be much easier to identify your suitcase in the baggage claim area.
  5. Try to avoid bringing oily stuffs ( hair oil, pickles, home made oily foods…) I had very bad experience and had to throw away an entire suitcase. At U.S. Customs and Border Protection agent, pricked a hole into couple of thick plastic bags with pickles and when the baggage reached home, oil was floating the suitcase. All the new dress, spices, and so many things worth Rs 20,000 to 25,000 had to be thrown away.
  6. Usually, you will make a huge list, buy all the stuffs and when you pack it and weight, it will come to 30+ kgs. Priority list will help you to decide which items to remove.
  7. If you have 10 pairs of socks, see where you can stuff the socks or use it to wrap spices items or try to insert the socks into shoes, so it will save space.
  8. Don’t try to arrange things in suitcase, whatever you arrange, it will be in messed up order when you get it in U.S.
  9. Try to get the weigh scale where you can hang the suitcase using a thick rope. Other weigh techniques will not give you accurate weight. Hang the weigh scale to your roof using chain/rope and weight the suitcase. I have tried so many ways, but finally ended up following the above way.
  10. If in case you got small suitcase and find it hard to fit the stuffs, then place heavy items that occupy less space in that suitcase.
Bonus Tips
  1. Keep breakable items in the center of the suitcase
  2. Keep flexible items at the corners.
  3. Always zip your suitcase, so that zip is top of the suitcase.
  4. Don’t waste your money on air travel insurance
  5. Split the items when you pack
I hope, above tips will help to pack the suitcase in more effective way.

Thursday, July 14, 2016

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FOREX Travel Cards offered by Banks in India


This document is for people who do not want to carry a large amount of cash with them or want to avoid the hassles of carrying with them loads of travelers cheques.

Most Indian banks do offer some kind of prepaid foreign exchange/ foreign currency/ travel card. These cards are very different from the traditional International ATM-cum-Debit Cards. Firstly, you cannot use the FOREX Cards here in India (or in Nepal or Bhutan). Secondly, these cards transact in Foreign Currency, US Dollars, in our case. So, inherently, you are insulated from fluctuations in conversion rates. You will spend Dollars at the rate you buy the dollars, not at the rate of the day!

Also, in the case of Traditional Debit-cum-ATM cards, the overseas ATM transactions and swiping at merchant locations will incur an exorbitant fee, in addition to the conversion rate of the day. Not the case, if you are using a FOREX Card.

These cards are also a good method to get money from home during your stay in the US. They are better, in most cases, than a wire transfer, because :
Wire transfers generally take upto 1 week (more in some cases) to complete. Card loading can be completed in a matter of minutes (Can take a max of a couple of hours).
Wire Transfers typically attract a charge from both participating banks , which together can be as high as $8-$25, depending on the 2 banks.
Note: POS = Point-of-Sale in the following discussions. It refers to any merchant location/outlet that accepts your card (swiping) for payments for products and services.

Note: As per RBI regulations, an Indian citizen going abroad for a general visit cannot take more than $10,000 in a year with him abroad in paper/plastic money (cards). But, the rule is different for educational trips. As per FEMA (Foreign Exchange Management Act) regulation, a student going abroad for education may be sent a maximum of $1,00,000 or equivalent during the financial year. Make sure that the card you choose from below is compliant with FEMA regulations and will allow you to carry more than $10,000 in a year.

Note: In the following discussion, Cross-currency charge means the additional charge that will be levied in case you make transactions in a currency different from USD (for example, EUR, CAD, AUD, INR….). This charge is in addition to the conversion rate of the day.

Note: Most of the cards below will attract a charge for ATM withdrawals abroad. Also, there is a daily withdrawal limit for the ATM Cash withdrawals for most cards. In that case, you might want to reconsider if you want to take out humongous amounts of money.

Suppose I wanted to withdraw an entire semster's tuition fee from an ATM- NOT a good idea!
For Example, BofA can dispense a max of 40 bills in one transaction. And the highest denomination is a $20 bill. So, in one go, you can withdraw upto $800. You might have to repeat it ~15-16 times if you want to take out money for 1 sem! I would prefer using this card for a regular usage, where I will not need to take out more than 500$, for example taking money out for rent and so on...

Note: Most of these cards are issued on the spot. Typical documentation includes (a) Passport/Visa Copy (b) PAN Card © Travel Ticket (d) Form A2 (If you need to load more than $5000)

Note: In order to load cash onto the card, either you or your authorized representative will have to visit the branch personally and make the request. Make sure you get appropriate forms from the banks and authorize your parents/sponsor. Also, confirm with your bank if they allow you to load the card through your existing account with the bank through internet Banking. It will be convenient for your parents/sponsor to load your card.

Note: All these cards come with the facility of checking the balance online, so do not waste your money by checking your account balance at an ATM- Even checking the balance is chargeable. Also note, the cards are not associated with an operative account, so you cannot do funds transfer from this card! (No NEFT, RTGS, SWIFT transfers). You can buy stuff online through payment gateways though.

This document lists some of the more popular choices in no particular order.

IDBI BANK
------------
(World Currency Card- VISA, Debit)
Initial Card Fee: $3.00
Reload Fee: $2.00
Replacement Fee: $2.00 (to be collected from branch, shipping and handling additional if it is to be sent home)
ATM Cash Withdrawal: $1.50 per withdrawal
Charges for swiping at POS: NIL
Cross Currency-charges : 3.00 %
URL: IDBI FOREX
Availability: Nearest IDBI Branch
Daily ATM Withdrawal limit: $20,000 (Check before you buy)

AXIS BANK
-------------
(Travel Currency Card - VISA, Debit)
Initial Card Fee: INR 150+ 16 (Tax) = Rs. 166
Reload Fee: INR 100+Taxes
Replacement Fee: INR 100+Taxes (to be collected from branch, shipping and handling additional if it is to be sent home)
ATM Cash Withdrawal: $2.00 per transaction
Charges for swiping at POS: NIL
Cross Currency-charges : 3%
URL: AXIS FOREX
Availability: Nearest Axis Bank Branch
Daily ATM Withdrawal limit: $10,000 (Check before you buy)
Minimum Balance : $0.00
(You or ur sponsor need to have an account in AXIS Bank for reloading the card)


ICICI BANK
--------------
(Travel Card - VISA/MasterCard, Debit)
Initial Card Fee: INR 150+ 15 (tax) = Rs. 165
Reload Fee: INR 100+Taxes
Replacement Fee: $2 (if replacement to be collected in India, $20, if in the US)
ATM Cash Withdrawal: $1.50
Charges for swiping at POS: NIL
Cross Currency-charges : 3.50%
URL: ICICI FOREX
Availability: Select ICICI Branches. Check Website.
Daily ATM Withdrawal limit: $2,000 (Check before you buy)
Minimum Initial Amount = $200
(You or ur sponsor may not have an account in ICICI Bank for reloading the cards)

STATE BANK OF INDIA
-------------------------
(Prepaid Vishwa Yatra Foreign Currency Card - VISA, Debit)
Initial Card Fee: INR 110
Reload Fee: INR 55
Replacement Fee: $5 (if replacement to be collected in India, $25, if in the US)
ATM Cash Withdrawal: $1.75
Charges for swiping at POS: NIL
Cross Currency-charges : 3.00%
URL: SBI FOREX
Availability: Select SBI Branches
Daily ATM Withdrawal limit: $1,000 (Check before you buy)
(You or ur sponsor need to have an account in SBI Bank for reloading the card)


STANDARD CHARTERED
---------------------------
(Prepaid Smart Travel Card - VISA/MasterCard/AMEX, Debit)
Initial Card Fee: INR 250
Reload Fee: INR 100
Replacement Fee: INR 400 (if replacement to be collected in India, $25, if in the US)
ATM Cash Withdrawal: FREE*
Charges for swiping at POS: NIL
Cross Currency-charges : 3.50%
URL: STANDARD FOREX
Availability: Nearest Standard Chartered Branch
Daily ATM Withdrawal limit: Unlimited

*Note: For Standard Chartered Smart Travel Card holders, there is a facility of free ATM Withdrawals depending on the amount you have loaded on the card. Refer the table below for details:
Loaded amount No. of Free ATM Withdrawals
---------------- --------------------------------
<$500 0 (No Free withdrawals. Withdrawals will be charges at $1.75)
$1000 2
$5000 8
$7500 Unlimited (You can treat it as locally issued card in the US!)



HDFC BANK
------------
(HDFC Forex Plus Card - VISA/MasterCard, Debit)
Initial Card Fee: INR 125
Reload Fee: INR 75
Replacement Fee: Initial Card Fee is inclusive of a secondary "Add-on" card, which will be activated if your primary card gets lost or stolen..
ATM Cash Withdrawal: $2.00
Charges for swiping at POS: NIL
Cross Currency-charges : 3.00%
URL: HDFC FOREX
Availability: Nearest HDFC Branch
Daily ATM Withdrawal limit: Unlimited
(You or ur sponsor may not have an account in HDFC Bank for reloading the card. However, the other bank account transfers can take upto 2 days to reload the card.)


CITIBANK
------------
(Citibank World Money Card - VISA/MasterCard, Credit)
Initial Card Fee: Waived until December 2011 (Normally $7)
Reload Fee: Waived until December 2011 (Normally $4)
Replacement Fee: Contact branch once card is lost/stolen
ATM Cash Withdrawal: $1.75
Charges for swiping at POS: NIL
Cross Currency-charges : 3.00%
URL: CITI FOREX
Availability: Very few Citibank Branches, You will have to go to Money Changers for this. 
Daily ATM Withdrawal limit: Unlimited

Download this Spreadsheet for more info.

Which Card to Choose and How? 
You may want to consider the following:
1. Which bank offers the cheapest deal?
2. Which bank is located closest to your parents/sponsor's residence?
3. What is your usage pattern? Are you planning to take out large/smnall amounts?
4. Visa or Mastercard? -Visa is more popular/widely accepted in the US, generally. Varies with area.

Card Safety:
Some simple tips:
1. When in an ATM, hide the keypad. However generous you are, others don't need to know your password/ the amount of money you have. If you haven't already, learn the art of being discreet :p
2. Don't share your card/PIN.
3. Don't share the Card's web access.
4. Check balances online frequently to locate frauds and take action.
5. If you are using Visa, see if the card has "Verified by Visa". VbV is a protection scheme where you will be asked a password in addition to the standard details in case of online transactions. Similar scheme called "SecureCode" for MasterCard.
6. Take good care of your card- It is after all, plastic money!
7. Report the loss.theft of call IMMEDIATELY to the number provided by the bank and request for hotlisting/ blocking the card. If you don't then the bank will not be responsible for protecting you against fraud/misuse of the card!

Wednesday, July 13, 2016

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Bachelors vs Masters vs PhD – Explained in Pictures


Ever wondered what is the difference between Bachelors vs Masters vs PhD?
This the the Best damn good explanation of What is PhD and while explaining that, you will know the difference in Bachelors vs Masters vs PhD. I have I have come across.

Bachelors vs Masters vs PhD

Imagine a circle that contains all of human knowledge:
What is PhD
By the time you finish elementary school, you know a little:
WhatisPhD2
By the time you finish high school, you know a bit more:
WhatisPhD3
With a bachelor’s degree, you gain a specialty:
WhatisPhD4
A master’s degree deepens that specialty:
Bachelors vs Masters vs PhD
Reading research papers takes you to the edge of human knowledge:
Bachelors vs Masters vs PhD
Once you’re at the boundary, you focus:
WhatisPhD7
You push at the boundary for a few years:
WhatisPhD8
Until one day, the boundary gives way:
WhatisPhD9
And, that dent you’ve made is called a Ph.D.:
WhatisPhD10
Of course, the world looks different to you now:
WhatisPhD11
So, don’t forget the bigger picture:
WhatisPhD12This was originally published at The Illustrated Guide to a Ph.D by Matt Might.
Now you know “What is PhD” and understood the major difference between Bachelors vs Masters vs PhD.
Are you ready to push the boundaries of human knowledge?
You might be undecided about studying PhD. Maybe this article inspired you to push the knowledge boundary.
Next, you have to understand timeline and steps to get a PhD degree.
Remember – You need passion and time commitment to do PhD. Don’t apply for PhD because you can earn more money.