2012-2013 Contract

Yesterday I got my contract for next year’s school year. I was a little worried I’d get bumped down to a 10 month contract from the 11 month that I currently have. This would be a decrease in pay of around $5,000. Because of how academic contracts work, while it would be a decrease in pay it wouldn’t be a decrease in my salary rate. Instead of getting $5,000 per month for 11 months I’d get $5,000 per month for 10 months. So less overall money but not a change in rate of pay. It’s weird and sometimes confusing, but I also have the opportunity to work in months that I’m off contract, so it kind of works.

ANYWAY, I was afraid that I’d get bumped down to a 10 month contract so I was VERY excited to see that I will be staying at an 11 month contract.

However, they are still not contributing to our retirement (we lost this benefit March 2011 and still haven’t gotten it back) and no one got any raises this year. Well, somehow this years contract was $900 more than last years. But I think this is based on promotion from a second year professor to a third, not a regular raise. Again, this faculty contract thing is weird.

The moral of the story is I was exceptionally pleased to see that, despite my fears, I won’t have a decrease in my salary next school year. Yay!

$10,000

One of the things that constantly surprisesme about money is my ability to somehow get large sums of it when I really want something.

For instance, three years ago I needed to save $2,000 for a trip to Europe with my grandma. I had 3 months to save up for the trip and was able to get $2,000 with a lot of hard work and very little effort.

Now, I’m saving for a house down payment. I need to get $10,000 for down payment and closing costs. And, as of today, I have $10,119 (withOUT touching my emergency fund, folks!). With nearly a month to go until closing I’ve done it. Which is pretty amazing. I only decided one month ago that (indeed, after 2 years of pining and indecision) that I did in fact want to buy a house.

Yet, somehow, after 4 years of blogging I still haven’t managed to pay off this last credit card debt of $12,000.

That’s right – 3 years ago I could get $2,000 in 3 months, now I can get $10,000 in a single month – but somehow in 4 years I haven’t been able to get $12,000? (Anyone else see the Math irony?)

It’s like, getting something for my money that is tangible and immediate is so much more of a reward for me than getting out of debt. I know, I know, I know about all the awesome things I can do once I’m out of debt. How all that money will be mine and working for me, but somehow that isn’t as exciting as a vacation or a house…

I guess once this house thing settles I’ll have to somehow find the motivation to get an extra $12,000 to pay this darn thing off once and for all.

Help!

The 15 Year Mortgage

I just had a wonderful conversation with Mr. Woodpecker about why I wanted to get a 15 year mortgage instead of a 30 year.

See, 15 years seems like an imaginable time frame to me. I can imagine working at my job 15 years. I can see living in a house for 15 years. I can see being with the same person for 15 years. 15 years, well, it doesn’t seem undo-able.

30 years? That is just about my entire life. That seems unsurmountable. I can’t even imagine – I’d be 60 by the time that loan got paid off.

By taking a 30 year loan I feel like I would be resigning myself to also having house payments. Always.

15 years? I can imagine the day where I finally send in that last mortgage payment. The house is mine. And then? That ~$1,000/month that I was paying on my mortgage – it becomes MINE. I could go sell the house, take the money and use it as a FATTY down payment on a new $300,000 house. Giggity! I could save that money every month for 5 years and have a kick ass $60,000. Then use that money to pay for a  nice home in cash. Or I could take that $60,000 and put it as a down payment on a beautiful home in the mountains that I can spend my summers at! Or I could buy a vacation condo in Mexico that I can visit in the summers. Or I could just invest it all and make gobs of money to spend in retirement or for a kick ass car or whatever the heck I wanted.

I could do… so much… because then my money and interest rates… they’d be working FOR ME!

I can’t imagine NOT doing a 15 year mortgage. I can afford it. And the possibilities at the end of the 15 years? Well, they seem ENDLESS!

Quicksand

In case you can’t tell by my lack of posting in recent months, being chair is taking a lot more time and energy than I ever imagined it would. I will have sometimes 8-10 meetings a week on top of my teaching responsibilities. Trying to imagine doing research on top of this seems an impossible task. I’m thankful for two undergraduates who are especially motivated and don’t need more than a little bit of guidance from me on what to do because they’ve been at it for the past year.

For all the extra cash I’m bringing in (dripping with sarcasm), my financial status hasn’t improved that much. I still have about $14,000 on my credit card which doesn’t seem to ever go away. My emergency fund is slowly depleting as I had to do $700 worth of repairs and maintenance on my car this past month and ran out of money in my car fund for the year.

I’m thinking next year I’ll need to start putting away at least $100 a month for car repairs – compared to the $60/month I’m doing this year. My car will be 10 years old next year and I have started researching new(er) cars. But I can’t bring myself to buy a new car while I still have debt. And I want to buy a new car in cash – which means I’ll need to pay off $14,000 in debt and save up at least $6,000 in cash. $20,000?? That’s a lot of money…

I feel like I’m sinking with my finances right now, and it is frustrating. I want this debt gone more than I can explain, but there isn’t an easy fix and that is frustrating me. I feel like I’m constantly taking two steps forward and one large step back. I hope some day I’ll be where I want to be financially – I just hate knowing it isn’t today or tomorrow – or maybe even next year. But something will have to give soon, this way of life isn’t sustainable in the long run. Period.

The Ins and Outs, Highs and Lows

The last month or so has been a whirl wind of emotions and craziness.

I did eventually break things off with Mr. Hive. He did start school, which I was happy for. But the realization that I would have to forever be a mother to him and nothing would motivate him except the fear of losing me was just too much for me. So yes fellows, SS4BC is available again. 😉

The new summer semester started and it has been crazier than I ever imagined. I’m taking a calculus class to “brush up” my skills that is 2.5 hours a day + 5 hours a day of homework. I wish I were joking about the amount of homework. I’m not. It is crazy. Then I’m teaching a Chem class in the afternoon for 2.5 hours. The extra money is pretty damn sweet. This paycheck I got a cool $800 more than I usually do on a single paycheck. All going to savings and debt, of course.

Today was a epic mail day. I got my almost $700 tax refund from my state income taxes, a $25 gift card from Target (for using Points to Blue with Blue Cross/Blue Shield) and I got a coupon for a free drink from Starbucks. Seriously, does it get any better than this in the mail?

My debt? Well, it isn’t going to well. All those travel expenses for work just sitting on my card that I can’t reimburse until July (at least) are killing me slowly. I did put the card away, but not until  I had pushed myself back up to close to my limit. I can’t be trusted with credit cards. I need to realize this, embrace it, and figure out a plan to avoid this in the future.

I’m thinking of just setting aside my tax refund into a savings account that is just for reimbursable purchases – that way I never have to worry about pulling out the credit card again. It may even be time just to put the scissors to the card. I’m not sure if I’m that extreme or prepared to do so yet though… in a lot of ways that card is my security blanket. But I need to become my OWN security blanket.

How To Let Go?

There was an incident at work that happened (or started happening) two years ago. It spiraled out of control because of a co-workers inability to tell me what was happening.

Essentially a very small issue that was a misunderstanding got construed into something far more than it was supposed to be and the retaliation for such an event was a lot of personal and professional harassment from above mentioned coworker. There were e-mails to friends I had outside of work talking about how much better off they would be without me in their lives. Gossiping and complaining about things that were irrelevant to my superiors (without talking to me first, but on the other hand they were told by the superiors that they needed to “mind their own business”). The individual painted every unsuccessful experiment as a character flaw against me – not just a normal part of research.

I’m not going to go in to a lot of detail, but I tried to take the high road and not retaliate in the same fashion that this person was lashing out at me. I didn’t tell my side of the story, I didn’t complain, I just took it. Because that’s what I thought I needed to do to get through two more years of work (the length of my fellowship). I did ask said individuals multiple times what the issue was, tried to work through it and discuss it, but I never took it further that this and any resolution we seemed to reach on a one-on-one basis was quickly undone when a stressful event in their life happened and they needed someone to be a villain.

I didn’t even know the issue the person had with me until a year later. It took her a YEAR to tell me it was because she had read something on my blog that she didn’t like. I didn’t even know she read my blog (I’ve since changed my blog domain and it is highly unlikely, though still theoretically possible, that she or other former coworkers could read this), but I had talked about a work issue (that’s the specific post, if you’re curious) and it bothered her that I would talk about it to total strangers. (Never mind the irony that she was pissed I would talk about work issues anonymously to people who don’t know me, but she was totally okay with talking about me behind my back to EVERYONE I knew and worked with in real life.)

What has always bothered me about the entire incident was that the issue she was unhappy about was one where she asked me to stand up with her against another member in the lab and I did because she was my friend (or so I thought), and in my blog I talked about how I didn’t necessarily believe that she should have complained about the person to our boss. Because I didn’t agree with her, but I still stood up for her when she needed it, I was the “bad guy”.

(If you’ve ever heard anything about graduate school life and how back stabbing and manipulative people can be, essentially imagine that.)

The thing is, that I can’t seem to let go of the anger I feel because of what I was put through. Everyday for a year following that “incident” was essentially a new day for her to find new and ingenious ways to try to make my life as much of a living hell as possible. With only one goal that I could foresee: making me leave. Eventually she won and after a year of her social and professional torture I started applying for jobs and left.

Some days I say that I’m happy to go through all of that. With that experience I now appreciate so much more the coworkers I have now, the school I’m at now. The caring and constructive, non-backstabbing nature of my new position is something that I love and value – and I’m not sure that I would if I hadn’t have had such a terrible experience at my previous position.

However, whenever I’m reminded of what went on it still fills me with anger. I just don’t understand how someone could intentionally be malicious and spiteful to someone. When I hurt someone it makes me feel bad. She seemed to take pleasure in not only intentionally hurting me, but going out of her way to do so. I just don’t get that.

But my question is: How do you let go?

The issue was reflared in my mind yesterday because of a harassment training I had to do. And the last 24 hours have been filled with me going over every instance and every moment of pain that was inflicted on me for, from what I can best perceive, was started from nothing but a misunderstanding as I tried to stand up for her.

I try to pre-occupy myself – but it just comes back. I tried physical activity – that only made me more angry.

I know eventually I’ll forget about it and it will go back under the surface until the next time something triggers a response. But I just don’t know how to let it go. How to think about my time in that position without anger or resentment or utter confusion.

Suggestions? I could sure use some help right now…

Career Advice: So you wanna be a Physician?

One of my roles as a Faculty member is that I also get to serve as an advisor for students who are interested in professional programs after undergrad. Mainly I deal with students who want to go to Pharmacy school, Medical school and Graduate school. So I’ve decided to give my advice in a written way on this blog.

Today’s case: Medical School!

(Previous cases): Pharmacy School

What classes do I need to take as an undergrad to get in to Medical school?

The classes that a student needs to take to get in to Medical school are actually pretty rigid. They’re based on the classes that you would need to take in order to do well on the MCAT (Medical College Admissions Test). Here are the classes that you absolutely need to take:

  • General Chemistry I and II (full year sequence)
  • Organic Chemistry I and II (full year sequence)
  • General Biology (full year, one minimum)
  • General Physics (trig or calculus based, one year)
  • English Composition (Comp I and II)

Those are the MINIMUM requirements to do well on the MCAT exam.

I would also recommend that you take at least Microbiology and Biochemistry in addition to your first year Biology classes. Though not required, they are definitely possibilities to show up on the exam.

What major should I have to get in to Medical School?

It doesn’t matter. No really, it doesn’t. You could be a music major, a business major, a psychology major. It honestly doesn’t matter. All that matters is that you get in the classes that you need to take for the MCAT by the end of your JUNIOR year of college. Most people CHOOSE to be Biology or Chemistry  majors because they already have to take so many classes in those subjects anyway. It makes your life easier to have your major classes also be required for the MCAT, but this isn’t required. (In fact, Music and Physics majors have some of the highest acceptance rates to medical school just because you have to be super talented to balance both those majors AND the additional science classes).

So what is up with this MCAT exam?

The MCAT exam you should take a year before you want to start  medical school. For traditional students this would mean at the end of your Junior year or the summer between the Junior and Senior year. This means that you should also have all of the classes that you need to learn the material done by the end of your Junior year.

The MCAT exam is given in 4 parts:

1. Physical Science – this tests your knowledge of Physics and General Chemistry. The maximum score on this section is 15 points, the average is 8, a “good” score is considered 10 or above.

2. Biological Science – this tests your knowledge of Biology and Organic Chemistry (including lab techniques!). The maximum score on this section is 15, the average is 8, a “good” score is considered 10 or above.

3. Verbal reasoning – this is like the type of verbal reasoning you had to do on the ACT or SAT. This is also why you had to take those English classes. 😉 The maximum score on this section is 15, the average is 8, a “good” score is considered 10 or above.

4. A writing sample – this is an essay that you’ll need to write. This is not graded on a number score but instead on a letter score from J-T, with J being the lowest and T being the highest. Some schools care more about this value then others.

Your total point score for the MCAT is based on sections 1-3, the highest possible score being 45, the average being 24, most schools won’t consider you in you have less than a 30. Obviously the higher the better.

What sort of grades do I need to get?

Short answer: A high GPA.

Long answer: Generally 3.0 is the cut off for all medical schools. If you have less than a 3.0, you’re probably barking up the wrong tree with your career path.

Your GPA is seen as a measure of your ability to put forth hard work and be successful. Thus a medical school doesn’t want you if you can’t prove through your GPA that you’re capable of hard work and being successful. It is as simple as that.

While 3.0 is the “bare minimum” – most school doesn’t want below 3.5 and MOST schools have an average GPA of around 3.7.

The better the school, the higher your GPA needs to be to be considered. There are many websites that can tell you the average GPA and MCAT scores for students who attend those schools.

Also, medical schools generally consider BOTH your overall GPA and your science GPA. So make sure they are BOTH 3.0.

So all I need is a good GPA and a good MCAT score and I’m good for Medical School?

Oh child, how I wish that were true. There are a few more components, though the GPA and MCAT score are the most measurable.

You’ll submit the first semester of your senior year your application to medical school which will include your GPA, your MCAT score AND letters of recommendation. Those letters are pretty important. If you have any letter that says anything questionable about you, you’ll likely not be considered no matter how good your grades are.

For instance, if one letter says “This person can take an exam and do well, but I wouldn’t trust them to change my oil because they have terrible lab skills and no long term memory retention” – well, you can bet your bottom dollar that you’re not likely to progress to the next step of going to medical school.

Make sure that you can get strong letters from faculty members who have spent time getting to know you. Science professors are always a good choice. ALSO, make sure that you get a letter of recommendation from a Physician that you have shadowed.

Which brings us to the next point – you absolutely should shadow/work for/with a physician. If you haven’t had any medical experience at all, the med school isn’t likely to believe that you’re serious. So volunteer at a hospital over the summer, call up your dad’s coworker’s friend who is a doctor and ask if you can shadow them. Listen. Learn. Experience.

Okay, so I’ve submitted my application with  GPA, MCAT score, letters of recommendation – I’m done right?

No, now you have your on-campus interviews. If you’re lucky you’ll get invited to an on campus interview. Here you’ll be shown around the school, you’ll have interviews with different faculty members and with other current medical students. You’ll be asked very specific and general questions to get an idea of your character and whether you have what it takes to be a physician.

Things you could be asked:

  • Why do you want to be a physician? (Be sure to highlight specific experience, things like your shadowing are good to bring up here. Don’t assume they remember everything you put in your application packet).
  • Questions about current issues. You should be familiar with current topics in the media that relate to health care. Maybe about the health care bills, or insurance issues, or about global health care topics. Be prepared to talk knowledgeably about these issues and be able to explain your position AND alternative positions.
  • Questions about medical ethics. You should have formed by this point a view point on where you stand on various medical issues related to your profession (RU-586, abortions, euthanasia, etc come to mind). Be able to give a solid reason for your point of view but also being able to talk intelligently and accurately about the other point of view.
  • Questions about balance in your personal life. You’re likely to be asked questions related to how you would handle certain situations like balancing family and school life. Be prepared to give examples of how you’ve done this in the past. You may also be asked about how you plan to handle the debt you’ll be acquiring in medical school. Other sneaky ways to ask this is “What books have you read lately?” If you haven’t read a book recently it is unlikely that you have learned to balance school life and personal life.
  • Questions that you can’t answer. You will most likely be asked a question that doesn’t seem relevant and also seems strange to you. The goal is to see how you handle pressure in an unknown situation. One question I’ve heard used is: “Why are manhole covers round?” This isn’t an obvious question. In some light it doesn’t make sense in the context of a medical interview. This is a think-on-your-feet question. Why is a manhole cover round? Some possible answers: (Real reason) So that the cover won’t fall through the hole (this is Physics here). (Smart ass reason) Because the manhole is round. (Bad answer) I don’t know.

My best advice:

My best advice is to do the following:

Freshman year: Take General Chem I and II and General Bio I and II

Sophmore year: Take Organic Chem I and II and Calculus (if your major requires Calculus based Physics) and at least 1 other Biology class

Junior year: Take Physics I and II and at least 1 other Biology class in the fall semester

End of Junior year: Take MCAT.

Do the best you can on all these classes, get yourself some internship or shadowing positions during the summer, make sure you work hard and can get good letters of recommendation, be cognizant of your own abilities.

Realize that desire and ability are two VERY different things.

What should I do if I don’t get in to medical school?

Take a year off and get more experience. Get a research position in an academic lab somewhere. Go get a Master’s degree. Work at a hospital or clinic or doctor’s office.

Call the schools, find out why they didn’t accept you, correct your deficiencies. You may need more life experience. You may need better grades or a higher MCAT score. Do things in the next year to make your weakness a strength.

Things I’d Buy

One of the bummers about being in debt and trying to pay if off is that I lust for all these things that I want, don’t need, but SO would buy if I either A) didn’t care about more debt or B) had no debt and could afford to buy them.

This month I’m thinking about household things.

Sleepy Twin Sleeper Chair

I want a big comfy chair for my soon-to-be craft room so I can cuddle up in it and crochet (what I plan on doing with my sister’s room after she leaves). I don’t want a bed in the room, but I also want the ability to have someone stay the night if need be. Most likely it would be my grandma who would come visit or my dad or my sister, so I don’t (at this time) need more than a single sleeper. There is also a matching ottoman that you can purchase that has a space inside for the pillows and bedding for the bed.

Bookshelf and desk from IKEA

I have the bookcase portion of this desk already. So all I need is the attachable desk portion. This lovely guy is at IKEA. There isn’t an IKEA within a 12 hour drive from me, so I’d have to have it shipped to me. It would cost around $75. I’m curious to see how sturdy this desk is. If anyone lives near an IKEA – I’d love it if you’d go check out this desk for me and tell me if it is stable or not. 😉

Flat Screen TV

 

My TV is old and small and huge (if that makes sense). Mr Hive hates watching things on it because it is so pixely. If I had the money I’d buy myself a new TV with a new stand and move my old TV into my future craft room so that I can craft and watch in my only little hide-away room.

What would you buy now if you weren’t concerned about debt or savings? Sometimes it is good just to let it out – so you can dream of what your life will be like when the debt is gone. =)

Spring Break To-Do List

  1. Catch up on my blog roll.
  2. Catch up on my grading.
  3. Take Jack running at least 3 times.
  4. Get my lectures for the entire week after spring break done.
  5. Clean my apartment.
  6. Watch Season 3 of Big Bang Theory.
  7. Get oil changed on car.
  8. Contact investment companies about my 1099-INT forms (Haven’t received ANY from ANY companies).
  9. Take recycling to center.
  10. Do laundry. I think every piece of clothing I own is dirty.
  11. If time: Go through clothes and possessions for spring cleaning.

For those of you with a spring break: What are you doing?

More Exciting News from Blue Cross/Blue Shield

I already posted about how Blue Cross/Blue Shield gives me points for exercising that I can turn in to gift cards for places like Target, Gap, Best Buy, Amazon. I turned in my first $25 gift card for a Target gift card and used that to buy some exciting stuff: A case of Rockstar, laundry detergent, zip lock bags (I know, you can stop your drooling over my sexy purchases). 😉

Today I got an email from Blue Cross/Blue Shield alerting me to some webinars that Blue Cross/Blue Shield does for its members. They are free to Blue Cross/Blue Shield members AND I get 25,000 points for partcipiating in them. Remember that each 1,000 = $1 in gift cards, so attending these babies nets me a beautiful $25 just for spending 1 hour once a week learning about nutrition (maybe I’ll pick up a thing or two to tell my Nutrition students) and/or living a stress free life. I’ve signed up for the Nutri-Wise webinar because I have no classes during that time. I probably need the Stress Resilient Life one more, but it is being offered at the same time I’m teaching Chemistry. Bummer for me!

I can participate in the webinars in my office quite easily, so I’m pretty excited about this. I love learning. I love learning for free. And I love learning and GETTING PAID to learn. Sounds good to me!