MBA Completion Party!


On Saturday, March 2 I completed my final exam for my last MBA course (Economics). It was extremely memorable, because it was a timed, online exam and the power got shut off with 30 minutes left to go. I ended up going into total survival mode and rushed out the door to use the free restaurant wifi down the street. I barely changed out of my pajamas and didn’t even stop to brush my teeth properly. It was really gross, but I knew every second counted. I got the exam done with about 2 minutes to spare, so I guess that’s all that really matters!

Technically my graduation will be in May. The courses in the MBA program are 8 weeks long, where normal undergrad classes are 16 weeks. So MBA students can complete two sessions in a single semester. My classmates are in their second Spring 2013 class right now and they will finish in early May. Therefore, I have to wait.

I did not want to wait to celebrate though! I’ve been taking classes for my MBA (or undergrad pre-requisites) since summer 2009. So I rented space from a lovely local restaurant and threw myself a dinner party and invited a bunch of friends. It was fabulous and I am so happy I got to hang out with some awesome people and eat delicious food. I often lament the difficulty of making adult friends, but I realized that basically everyone in the room (aside from 3 family members, and one friend from middle school years) was a friend I’d made post undergrad.

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What I Got for Christmas

The Tuesday before Christmas I had three interviews. Three interviews, in DC, all on the same day. I ended up running all over town and was even late to my second interview because the first one ran long. I was slightly sweaty and exhausted by the time I got to my third interview. I didn’t get a chance to eat lunch until they were all finished, in the late afternoon. I managed to gobble a granola bar as I ran a mile to one of the interview locations.

All the interviews went well, but each job was interviewing several people. They all told me not to expect to hear anything for a few weeks, after the new year for sure. So I was not expecting to get a call that Friday (the day before the Christmas holiday). The HR lady from the third interview was offering me the position. I accepted the position the next business day. I will start in February.

The timing is pretty great. I fell into the gap where unemployment had not been extended, so I only qualified for 6 months of benefits. I’ve been out of work since August, so my benefits will end very soon. With the new year, my COBRA payments have increased from $744 a month to about $900. I’m very glad to be able to switch over to employer-subsidized health insurance soon!

I am very lucky to have awesome friends who live less than a mile from my new office. They are graciously allowing me to stay with them for my first week. I won’t have to worry about commuting in to DC, which is pretty horrendous and can take anywhere from an hour to three! After my first week I will be taking a commuter bus to work. It will be really nice to not have to drive myself, and I will receive a transit subsidy as part of my job benefits package. The catch? The bus leaves this area at 5 am! I am already trying to start waking up early because that is going to be a difficult adjustment.


New Hair Considerations

I used to do drastic things to my hair when I got bored. In college this resulted in a home dye job gone bad that left me with bright red hair. I was mortified for a week or two until I could go home and have my mom pay a professional to fix it. Most expensive home dye job ever! I was forbidden to mess around with the stuff after that.

When I was younger I had a whole pixie cut phase. I don’t remember really loving it, but it sure was easy to “style” (I didn’t do anything to it). I was mistaken for a boy a lot. Store clerks would literally call me “sonny.” Flat-chested adolescent me LOVED that, let me tell you.

Growing out the pixie was the.worst. My hair doesn’t cooperate for bangs, thanks to a hellacious cowlick. My hair is wavy and it would not wave uniformly, so a bob would flip half under and half out, no matter how long I spent styling it. The growing out hairstyles made up for all the time I’d saved not having to do my pixie style. At one point I had what I called the koala bear style. It was that bad.

I’m seriously considering chopping my hair again and I realize this might be the surest sign that I’ve finally lost my mind. So I’m looking for advice and opinions. I know the Internet is full of that. A little help, please?

Option One: Carey Mulligan

Carey Mulligan via Allure and About.com

Option Two: AB Chao

via abchao’s instagram

Thoughts?


Weighing Costs of COBRA

When I got laid off on August 3, I was told my health insurance would continue through the end of that month. I received COBRA paperwork in the mail and signed up right away. The COBRA bill came in soon after and I paid it online: $744.75 to continue my health and dental insurance for the month of September. This amount is roughly 75% of my after-tax unemployment insurance payments. I have a pre-existing condition (like 50% of the U.S. population) which means I have to have insurance coverage. Aside from the obvious reasons for having health insurance (that is, getting medical care and prescription medication), the pre-existing condition means I must not have a break in my insurance coverage, or future insurance policies (even those obtained through an employer) could subject me to the pre-existing condition exclusion. This means the insurance company would accept my premiums, but would not cover anything related to any pre-existing condition that was treated in the six months prior. They are allowed to do this for up to a full year. (citation)

This is the reason I am choosing to pay for COBRA to continue my health insurance coverage, even though it technically means I’ll be charging all my other expenses until I find a new job. I’m already giving up my house, but I will have to pay all the utilities, food, and any other necessities. I am willing to go into a relatively small amount of debt because the consequences of not having health coverage of my pre-existing condition for up to a year would be catastrophic to my health and increase my debt to astronomical costs. A single hospitalization could be tens of thousands of dollars. Even if I end up on COBRA for the max of 18 months, I would only pay $13,410. When stated that way it is basically a bargain. Even though it feels like I’m being asked to make a bargain with the devil.


Seven years ago…

Eleven years ago I was in my off-campus apartment in Harrisonburg, VA, getting ready for an early class. I always had early classes and I always watched the news while I got ready. I saw all the footage of the terrorist attacks live. There was no news about classes being cancelled, so I went. I’m pretty sure it was a theater class; I was going to minor in theater or costume design. We all just sat around, talking about what was going on.

Seven years ago today I was in the hospital, preparing to go in to emergency surgery with the understanding that I only had an hour to live. I’d already had a long history of seeing doctors out of town, but I was working in Northern Virginia and it didn’t make sense to drive all the way to Richmond for appointments. I found a local doctor that I liked a lot and I thought I was very lucky. Then I got sick. So sick that, while waiting in an exam room, a nurse told me I needed to keep quiet because I was scaring other patients. I tried to explain I was in so much pain, rationalizing that she wouldn’t tell a woman in labor to quiet down. The nurse nastily told me if I was in “that much pain” I should go to the ER.

I eventually saw the doctor and he had me admitted directly to the hospital, where I stayed for eleven days. Even seven years ago, eleven days was a long time to stay in the hospital. I didn’t really even have a diagnosis. They were fairly sure it was some reproductive issue, cancer probably. They could feel a mass when they did pelvic exams, which they did at every opportunity, it seemed.

I was relieved that it was cancer. Cancer was easier to explain, more socially acceptable, and had more support. Cancer also had an end point. After a certain number of years, you either were declared cured, or you were dead. Crohn’s disease was the opposite of all that and even seven years ago, at age 24, I was very tired of living that life.

A doctor came in on the morning of September 11, 2005. It was not my doctor. This was Sunday, so I got the on call doctor. He told me my white cell count was too high. I forget the number, but it was almost impossibly high, especially with all the antibiotics and other drugs they’d had me on for eleven days. They thought the mass has exploded inside me. They were going to rush me into surgery.

No, I can’t have surgery here, I said. I needed to go to Richmond, to see my surgeon, the doctor who had performed all my other abdominal surgeries.

The on call doctor told me that I wouldn’t make it to Richmond in time.

Richmond is an hour away by car.

I had an hour to live.

The on call doctor left the room to get everything ready. My mom and I were alone in my room. I figured they would be back to take me to surgery soon. Mom immediately called my dad. Then she called the Catholic church we belonged to and asked them to send the pastor over. I called my best friend, but got her voice mail. I didn’t leave a message. I didn’t want to leave her that message.

Time passed. More than an hour. I wasn’t dead, but I also had not seen one hospital employee in that time. When someone did show up, it was to put me on an ambulance for transport to Richmond. There was never any explanation. Mom was not allowed to ride in the ambulance with me, which I never understood. My parents drove down together. The ambulance got lost. Because I was strapped down, and facing backward, and on a ton of painkillers I could not navigate as well as I wanted. The time is fuzzy, but I know it took us over two hours, possibly even three. My parents were in my room by the time I got there. They, of course, were incredibly worried.

It was very late by the time I got to the hospital and the nurses got everything set up. They put me on the women’s specialty unit, which is where ladies go for hysterectomies and similar procedures. The unit was new, and set up to look like a hotel room. The nurses were amazing. The doctor came in and said I didn’t have reproductive cancer. At all. It was just my Crohn’s disease. He also told me I was on an incredibly high dose of painkillers and that he was going to correct that. I was really scared because I was still in a lot of pain, even on the high dose.

I did end up having surgery. I ended up having complications from that surgery. And I ended up spending three solid months in that second hospital and then at least one shorter trip back in the following month. It wasn’t easy. It’s still not easy. That wasn’t my first surgery and I don’t believe it will be my last.

However…

I’m still alive. Every bad thing that happens (as a natural pessimistic, it’s a long list) is still better than honestly believing I had an hour to live. Every sucky day is the opportunity to try again for a better day in the future. Things change, but I’m still alive. That hasn’t changed.

9/11 is a weird day for me. I’m normally very happy, because I’m grateful to be alive in a way that really hits home. It is weird to feel happy on a day that is so somber for our nation. It’s a day to remember those who were lost. For me it’s a reminder that I’m lucky to be alive.


My Night at the Sleep Study

I spent my Saturday night at a sleep disorder center having a sleep study done. I’ve never had one of these before and didn’t really know what to expect, aside from being hooked up to a bunch of machines. My doctor didn’t suspect sleep apnea, but apparently all kinds of fun stuff can happen while you sleep. Some examples my doctor gave me were “not getting enough oxygen” or “drop in blood pressure.” Any of these things could happen without me waking up enough to realize something was wrong.

Sleep Study Room

Sleep Study Room

I brought a small bag with my PJs, a book, toothbrush and toothpaste and a spare outfit for the next day. I did not know until I got there that I could have brought my own pillow.

This is not helping me relax.

I arrived a little early, which was probably good since it took over an hour to get everything hooked up to my body. Each person has their own room, which is like a cross between a cheap hotel room and a hospital. There was a TV, but you could only watch it while getting set up. Each room has a bathroom and like a hospital, the bathroom has benches in the shower and a big “dirty linen” hamper. They also had a bunch of towels, but no wash cloths. You were not allowed to get in bed until everything was arranged. I’m the kind of person who likes to lay in bed to read or watch TV, so that was already weird and uncomfortable. I was assigned a male technician who got me all set up and was then responsible for monitoring me from a room across the hall. He asked if I wanted anything to eat or drink. They had a whole list of sugary snacks and some juice and caffeine free drinks, a little like being on an airplane, but I just got water. I had two electrode patches on each leg. The technician measured my neck, and all around my head, then drew on my scalp/hair with a red oil pencil. Then he “glued” EEG electrodes all over my head. I got electrodes on my face, including one that was really close to my eye and super annoying. He put two elastic bands around my body, one around my waist and another around my chest. These were plugged into a monitor and would track how my chest and abdomen expanded while I breathed. These were really weird at first, but I eventually got mostly accustomed to them. I did wake up several times I had the feeling I wanted to take off my bra, but it was just the weird chest strap. At least they didn’t strap me down to the bed!

The room where time doesn't exist.

The room was set up with a camera and a microphone. I was allowed to read for a while until I felt sleepy. I was supposed to say when I was ready for them to turn the reading light out. But when I put my book on the side table and lay still for a few minutes, a lady technician came in and asked if I wanted the light out. I also got her to turn the heat up because I was freezing. I didn’t like the oxygen mask they tried to get me to wear, so I got to skip that one. It just felt like being underwater, in a creepy way. Too much pressure in my ears. They did give me two things that went slightly into my nostrils and one part that hung down just in front of my lips. That was weird and I kept wanting to lick it away.

Ready for my beauty sleep!

Once everything was set up, I didn’t have as much trouble falling asleep as I had anticipated. However, I definitely felt like I woke up more during the night than usual. I was awake a few times coughing, because my throat felt really dry, possibly the air in the room was dry. I would try to flip over and get tangled a little and I think that woke me up, where in my normal bed I can roll over without waking up. Also, I really should have brought my own pillow. I’m a princess and the pea type and can be very particular. The walls of the rooms were not thick enough and I could hear the technician setting up the patient in the next room. Light from the hallway came in through the crack under the door and there was light from some of the monitors. I sleep best in a complete blackout darkness situation, but I don’t like those eye masks.

I woke up once to use the bathroom. I know I woke up probably at least 5 times total. Sometimes I’d wake up and just sorta think “oh, I’m still in this place” but I never woke up freaking out.

The technician woke me up at 5:30 am and we took all the wires off. In the morning, my hair was crazy. The glue stuff for the EGG electrodes made my hair look like I was auditioning for the sequel to “There’s Something About Mary.” I wasn’t planning to shower there, and had not brought any hair stuff, not even a comb! They had a hair dryer I could use, except it was broken. It was about 35 degrees and drizzling this morning and I was planning to head straight to Target. I had to think if I wanted to go out with glue hair, like a crazy person, or with wet hair, like a person about to catch pneumonia. In the end, I stuffed my hair under my winter hat and went to my parents’ house to shower.

Glue in my hair

It should take about 7-10 before my doctor gets the test results, and probably another few days before I hear from her. Hopefully nothing crazy shows up, and extra hopefully I don’t have to have that test again. Overall it wasn’t terrible, but it was not exactly enjoyable either. C-


Goals

I don’t normally make resolutions, but sometimes I set goals for myself and since the beginning of the year is probably the best time to do something like this my goal is to set up a budget and learn how to stick to it like an adult.

I started setting up my info using a finance program. It’s hard right now, because the program sees all my student loan money as my normal monthly income. I need to figure out a way to let it know this is bonus money. I also need to make myself understand that as well.

I’ve gotten a bunch of advice from friends that act like responsible adults. I’m really dreading having to save receipts and track every single thing I buy. But it’s something I need to do, especially if I ever want to actually pay back my student loans, or learn not to rely on the student loan money.