Category Archives: Contemplations on New York Life

Travel insurance with credit card – the debacle comes to a conclusion

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It’s been almost two months since I was at the Mount Sinai West emergency room, on the day I was actually supposed to leave for our Thanksgiving European trip. Chris had to cancel and rebook train tickets. He also had to cancel hotel reservations, make new ones, and also change our outbound flight to Paris. It wasn’t fun for him, and just the flight change itself was extremely costly. But he realized that the credit card we used to book the original flight had travel insurance on it for trip cancellation/interruption, so I took photos of all my ER and Urgent Care forms and sent them in for consideration for our itinerary change costs due to my sudden illness.

You would think that given I was not only in the emergency room, but I also had extremely detailed documentation, that this would have been a smooth process that would have gotten approved relatively swiftly. Unfortunately, it was anything but. First, the contact details to file the travel insurance claim were not clear, likely by design. It’s not on Mastercard’s website. You have to call Mastercard, then get re-routed to a specific agent, who can then share the secret website you have to login to in order to submit all your claim details and proof forms. Then once you submit all of that, you wait. And wait. And then, for the first 8-10 days, I got no feedback. I simply saw “pending” as the status of my claim every time I logged into the portal. When I finally got in contact with the claims agent (a third party works for Mastercard to handle travel insurance), she grilled me about the time we left the apartment, when we would have needed to leave for the airport, what time I was admitted into Urgent Care and then ER, when I started having symptoms, etc. It felt extremely unempathetic, like she was simply looking for reasons to deny my claim. Chris copied and pasted literal paragraphs from their travel insurance policy stating why this was, in fact, applicable. I was shocked: wasn’t it clear that this was a very serious case, especially given all the details in the Urgent Care and ER forms? All of the forms had time stamps on them, so I wasn’t even sure why she was further grilling me. Did she even read any of the forms I submitted at all??

The claim was initially denied, as they originally said that my trip wasn’t cancelled, that we still went, so there was “nothing to claim” or get reimbursed for. I had to call them nearly every business day we were away in Australia, have at least 6-8 email back and forth communications with them, endless voice messages playing phone tag, and then finally a very annoying and painful phone call in the middle of the night, Australia time, to explain to them: what the hell else did they need to understand that I was genuinely sick, that I was in the ER for something that could have easily resulted in pneumonia or death, and that as a result of all that chaos, my outbound flight needed to be changed…?! It was clear that the claims agent barely read any of the documentation I sent. She may not have even opened them as far as I was concerned. I had to literally open each document, one by one, and point out to her where the time stamps or remarks around my illness were (e.g. “On the ER form, page 1, in the bottom left hand corner. do you see the time stamp that says ‘3:49pm’?”). It felt like I was instructing a small child instead of an adult. She finally realized after having her hand held by me that yes, this was a legitimate claim, and yes, it should be reimbursed. She reopened the claim for me as a “claim determination dispute,” then told me that at this point, the only reason it would be denied is if the manager thought I had some “pre-existing condition” back when the flight was booked. The flight was booked in July. You cannot have a pre-existing condition for a peritonsillar abscess; that’s just medically impossible and could easily be disproven. Plus, no one would have an abscess in their throat from July all the way to November!

I finally got an email notification last week that the claim dispute was accepted. I got my requested payment back today. While it was closure (and some much needed money back), it made me angry to think about how insurance works in this country. Insurance feels like it exists simply to exist and get money out of you. Then when you actually do need to use it, the insurance companies will do everything in their power to withhold money from you or even make you pay.

Not everyone would be as persistent as I was to get my money back. I made sure to call and email almost every day for over a month. Most people just let these things go. I’m sure they count on that happening. But no, I’m not getting screwed by all these stupid insurance companies as long as I can help it.

“Are you an old lady?!” The candle tunneling saga takes a turn.

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One of the things I looked forward to upon our return home this month was my nightly winter ritual of lighting a scented candle and reading for about an hour before bedtime. I hate the cold weather, and I strongly dislike short days, but I do enjoy cozying up in bed to a good book with the heat on, my covers over me, and a flickering and beautifully fragrant candle to soothe my senses.

Unfortunately, all of that sensual, soothing “me time” came to a halt one night last week when I realized that my semi new Voluspa Saijo Persimmon candle was starting to tunnel. How was this possible? Candle tunneling is the candle lover’s worst nightmare. I did all the right things: I made sure there was no draft in the room. I burned it for a minimum amount of time to allow the wax to melt evenly. I had the wick trimmed to the right length. What the heck was I doing wrong? So I immediately did a search on my phone to see what the culprit could be.

Unfortunately, it seems that candles do not like cold temperatures, either. A high quality scented candle prefers an ambient room temperature of somewhere between 65-75 F. What this means is: if a candle is lit while sitting in a temperature far below that (and yes, the thermostat in our rooms say that without the heat on, it’s somewhere between 40-50 F; we don’t keep the heat on in rooms we’re not using!), the candle fails to generate enough heat to melt the wax evenly. The heat then primarily melts the wax closest to the wick, leaving the edges of the candle solid and not burning properly. This uneven burning results in tunneling.

So what was I supposed to do, then, to prevent this from happening again — was I expected to turn the heat on in the room where I wanted to burn the candle and “prepare” the candle for lighting? That seemed so ridiculous. I get it when you want to turn the heat on in a room that you are preparing to enter, or for your spouse or even your dog or cat. But now I have to turn the heat on to prep the room.. for my CANDLE?

I was complaining about this to Chris earlier this week, and he gave me this bewildered look. “What are you, an old lady?” he exclaimed. “You’re researching causes for candle tunneling prevention?!”

He just doesn’t get it. When you have a fancy (read: expensive) and much loved candle which creates just the right room ambiance for you for your nightly bedtime reading ritual, you have to take care of it. You can’t just expect it to fix itself. I didn’t appreciate fancy candles ten years ago. But now, I wholly embrace them and everything they represent. Do I acknowledge this is a #firstworldproblem? Of course. But I have to take care of all my belongings!

Eating in the Lower East Side in your late 30s

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For most of my adult life, food has been one of the things in the center of my world. I think about what I am going to eat today, tomorrow, next week. I think about things I am going to make, ingredients I am going to buy for things I will make, and what and where I will eat which things. One of the fun parts about living in densely populated places like New York City is seeing how creative restaurants can get with a compact amount of space. It’s a bit dizzying at times to see how small the spaces are that restaurants cram their patrons into, and even more amusing to see how servers manage to get food out to diners without crashing into people and things.

In my early 20s, I always found this fun. I didn’t mind waiting in lines for highly sought after and trendy restaurants. Entering my 30s, I got more into making reservations and not waiting. And once I had a child, I definitely found my patience waning at the idea of queuing up to eat anywhere. Plus, I like having more space. I don’t veto crammed spaces, but I definitely do not seek them out at all.

Last night, I met my friend in the Lower East Side to eat at the super popular Okiboru House of Tsukemen. Tsukemen, as a ramen style, has never really picked up here in New York despite brothy ramen having its moment. I’ve always loved it, though, because with tsukemen, or dipping ramen, you get to appreciate the texture and taste of the noodles themselves more. The broth for dipping is also a lot more concentrated in flavor, so everything just has more of a punch. Okiboru has been a darling with food influencers across social media. When they first opened, people waited hours to eat here, as well as at their sister restaurant, Okiboru House of Udon, which specializes in Himokawa style udon — ultra wide, flat, and bouncy noodles. These are very unlike the long, fat, round udon that most of us have familiarity with. My only hesitancy with eating here was that I really did not want to wait, and I was banking on the fact that it was 26 F tonight, so maybe that would deter the crowds.

I was right. We met at 5:30 for our early dinner and got seated right away. As we slurped our noodles, though, more and more people came in. And with that, the acrobatics of the servers came to light. We saw so many close calls with bowls of broth, buns, and fries nearly getting knocked over because of the tiny counters and the extremely narrow walking space between the counters and the wall seating that it almost became a bit of a spectator sport, watching the servers get through. All it takes is one sudden, unexpected move by a seated patron to cause steaming bowls of broth to spill all over another. This is not a place I would ever take Pookster to, or really, any more than a single person. It just would be too hectic, not enjoyable, far too crowded and tight. Sometimes, you want to go out to eat to… relax. This is a place for a quick conversation to enjoy your food quickly, and then leave.

Of course I loved our tsukemen. This spot is a place I’d willingly go back to just for the quality of the food. There’s just a time and place for everything, and this is not a place that I’d ever think of to luxuriate or relax at all.

When a 13-minute subway ride turns into a 30-minute one

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Because I am going out with my friend tonight, I switched off with Chris and did drop off at school for Kaia. Drop off was really smooth. Unlike in the evenings, she was eager to walk all the way to the subway station and on the stairs. She happily held my hand most of the way and as always, peered out the window in wonderment as the train went fast and as we went through different stations. The train came and went quickly without any hiccups. Kaia even walked all the way up the stairs getting out of the station once we reached Chinatown. Because we got there a bit early, and I hate waiting in that little corridor in front of her school, I took her to my favorite fresh rice noodle shop, Yi Ji Shi Mo, so that I could pick up a fresh jug of soy milk. I brought her to the front of the school as soon as the doors opened. She ran in, and out I went to pick up a few produce items. When I got back into the subway station, I saw there was. 10-minute wait until the next train. And then when the train finally came, it kept stalling at stations and between stations. Later on, the conductor said that there was a signal malfunction at 59th Street (that’s my stop!), so we’d continue to have long waits until we finally reached my end point.

So, while I was lucky to get to school quickly and efficiently today, I was not that lucky on the way back. End to end, I probably spent 30 minutes on the train today for what is typically a 13-minute ride. It was annoying and not fun at all, though I was lucky since I didn’t have any calls until 11am. There are certainly pros and cons of relying on the subway, especially when it’s only 26 degrees outside and all you want to do is hibernate under some thick blankets.

3-year doctor’s appointment takeaways

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Kaia had her 3-year wellness checkup at the doctor’s office on Friday. While she has never enjoyed going to the doctor, this visit was by far one of the worst visits ever. At her 3-year appointment, we’re supposed to do a vision screening where the medical assistant asks her to identify shapes on a chart. She refused to comply and just kept saying no. She was also supposed to have her blood pressure taken for the first time. The nurse practitioner kept emphasizing how fun it would be since she could press the black balloon herself. Kaia was not having it; she screamed and cried and moved endlessly; we weren’t able to do either of those things. It was even a struggle to get her to stand on the scale to take her weight. It took me about 5-6 tries to finally coax her to stand on it long enough for them to get her weight.

The nurse says her height has sky rocketed over the last year, but her weight… has not. Her BMI (a shitty and outdated metric for evaluating “health”, but anyway) is just at 3 percent, so the nurse said, “She’s technically underweight for her age.” Then, she proceeded to tell me that sometimes, height takes off first, then weight, or vice versa, and that given Kaia looks healthy and her height is good, she’s not worried. She has an active lifestyle and is a toddler. But, (there’s always a “but,” isn’t there?) just make sure she’s getting a healthy, well-rounded diet that includes plenty of fruits and vegetables, lots of “healthy, lean protein,” whole grains, and all the usual things you’d expect to be suggested.

So I kind of kept mocking the whole line around “healthy, lean protein” while at home until Chris got annoyed with it and told me to knock it off. It just seems so ridiculous to me: Kaia has ZERO problem eating. She eats adult-sized portions of so many things. At school, the admin says she has a huge appetite and eats pretty much everything; she’s never shy about asking for seconds. I still remember one of the teachers — how her eyes bulged out and how big her smile was when I asked how Pookster ate at school: “Oh, she eats!” she responded gleefully, giggling a bit. And given that she gets breakfast, lunch, snack, and supper at school, and she also has breakfast and dinner at home on weekdays, Kaia is essentially getting six meals per day five days a week!

When does the obsession over weight ever end?

Kaia shares and warms up with her frenemy

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For the most part, Kaia loves kids. She gets excited whenever she sees children around her age and slightly above. She loves seeing babies, and she especially loves to call out when she hears a baby crying. She has gotten along well with kids at her last and current schools, and she’s even had “besties” identified by her teachers. She’s a very social child and loves being the center of attention. She’s loud and boisterous, and while she loves her peers, she has also been known to attempt to be a teacher’s hog/pet.

But one thing that has always been a little strange is that with one of my friend’s daughters, who is about seven months younger than her, she tends to exhibit “frenemy” type tendencies. When asked to say hi to her or acknowledge her, Kaia rarely does in her presence. She tries to take this friend’s toys when she’s around. She won’t share toys or food with her, even though this friend will happily and eagerly share with her. Frankly, her brattiness level just skyrockets when she’s around this friend.

But we had a catch up / play date with them today, and for once, she actually seemed happy to see her. She smiled when she saw her and seemed protective over her when she was napping in her stroller. When she woke up, Kaia perked up and got excited. We spent some time in our building’s play room this afternoon, and while they definitely played *around* each other, they also played with each other and chased the other around and around. When it was time for them to go, Kaia was visibly sad. She gave her a hug and said bye. After they left, she asked why this friend had to leave and go home.

“Why can’t she stay here with us?” Kaia asked me with genuine sadness in her eyes.

Well, it’s good to know that she’s finally warming up to this friend… finally. These things always take time.

HK vs. NY: independence always threatened, plus the case for more public restrooms

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While wandering around the streets of Hong Kong and using its fast, efficient, and super clean metro, I thought about how similar New York City is to Hong Kong. Both cities are densely populated. Both have subway systems that the majority of its citizens rely on. Both have a fast paced nature. People in both cities live in relatively small and expensive spaces. It’s not uncommon in either city to hear that people rarely, if ever, cook, and most eat almost every single meal out. Both also are notorious for having very intense, grueling work hours yet exciting and late night party scenes. People also love to say that the people of New York and Hong Kong are rude (as a New York resident, I do not believe this is true. As a former New York tourist, I never thought it was true. And as someone who has visited Hong Kong twice, I do not find people ruder there than anywhere else at all. In fact, I think people are generally kind in Hong Kong, and they are far more kind to those who have young children/are pushing a stroller and who are elderly).

There are obvious differences, though, other than culture and language: wages and salaries are far lower overall in Hong Kong despite sky-high costs of living, for one. Hong Kong is a Special Administrative Region of China, which means that its independence, or perception of, is constantly in threat. Hong Kongers want to stay separate from China, but China sees them as part of “One China.” Some hawker on the street who tried to sell Chris and me some lame shoe cleaner made some small talk with me while in Guangzhou. He asked where we were from and where we had been during our travels. I told him we had come from Hong Kong, and his response was, “Oh, so you were in China. You know Hong Kong is China, right?” Of course, a Guangzhou resident would say that, but I think you’d be hard pressed to find anyone who lives in Hong Kong who would say the same thing. Being in Hong Kong, it’s like you’re in one country, yet also in another. And the rules can change just like that, and you as an individual would have zero control over it.

The other difference that more immediately sticks out to me as a visitor is this: Hong Kong has endless clean and glorious public restrooms. It felt like every few blocks we’d run into one. I never had to worry about cleanliness or availability of toilet paper or whether there was enough soap. In New York, public restrooms are so sorely lacking that it’s an embarrassment. And when you are able to find one, it’s unlikely to be a desirable or even mildly pleasant experience. And how funny that in the last few weeks, The New York Times published an op-ed to make the case for more public restrooms in New York City; how timely!

Missing freshly pressed soy milk while back home

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This last week back in New York has been a bit of a blur. It’s been a mix of adjusting with Kaia’s jet lag and being back in school, getting back into the swing of daily morning workouts and getting Kaia ready for school, into the usual humdrum that is full-time remote work, and all the usual day-to-day things when you are back to “real life.” Instead of sumptuous and complimentary Chinese breakfast buffets, I’ve been forgoing breakfast as I usually do and having only tea until lunch time. I’ve been having little fleeting daydreams of enjoying freshly pressed, hot soy milk each morning to start my day. Sometimes, it’s just the little things you miss while traveling that stay with you, and this, for me, is one of them.

I had to pick Kaia up from school a bit early today because we had scheduled her for back to back dentist and doctor’s appointments this afternoon. But I asked Chris if there was anything he wanted from Chinatown that I could pick up. He responded and said that given all the great food we’d had in the last week in Hong Kong and China, plus the amazing Asian food we had while in Australia the previous three weeks, he really did not feel like… anything.

And the funny thing was… neither did I. Guangdong and Hong Kong are as close to my paternal roots as I can get, which means that they are really the the main types of food I grew up eating. Yet even I came up with blankness when I thought about what I wanted to get from Chinatown, as well. So, in the end, I actually didn’t get anything.

For our weekly Friday takeout, we ended up having Mexican/Peruvian tonight from a food truck nearby we liked. And yes, it really hit the spot.

Workplace assholes

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I’ve been working full-time almost 17 years now. In that time, I’ve seen a lot of really good, really bad, and beyond egregious behavior. I’ve seen the suck-ups, the people who somehow manage to get by and barely do any work. I’ve seen people who have self-professed themselves to be a “dick” and manage to get away with being rude to almost everyone. I’ve seen people who are awful at their job who still manage to get promoted. I’ve also seen people who truly do go above and beyond get passed up for promotions — time and time again. But what I never really thought would happen is that someone this week would actually have the balls to go off at me for simply thanking them for something they did for my customer.

I’m on the customer success team at my company, which means I manage a book of business that includes a set number of customers. I interact cross functionally at my company with multiple teams, ranging from sales, renewals, solutions engineering, accounting, product, etc., to get my job done. In the last year, there’s been a solutions engineer who has been labeled aggressive, rude, demeaning, and even sexist by some. We’ve gotten along fine to okay most of the time, but I got caught off guard this week when I thanked him for taking care of a customer request in his realm this week, and the response was extremely unexpected.

He responded with, “Why are you thanking me for doing my job? [Insert task] is what SEs are responsible for. There’s no reason to thank me for doing my job.”

My gut reaction to this response was, “Wow, you are truly an asshole.” But my general thought was, Oh, my. You must have had some really awful life experiences to get angry at someone for simply thanking you for doing a single deed. Clearly, this guy has a lot of pent up anger that he is choosing to misdirect, and to someone who is expressing a sentiment that is called “GRATITUDE,” that he should be meeting with grace. He is a good example of someone who is sorely in need of seeing a therapist, but is unlikely to have any self awareness to actually pursue to help himself.

We’re really in a questionable work setting when we cannot even thank someone for doing something without eliciting their uncalled for rage. Where do people get this idea that behavior like this is actually acceptable? I do not even want to know what his reaction would be if I actually tried to give him some constructive feedback. I’d likely get my head blown up — virtually.

Jet lag continues for the husband and the toddler, and the attempt to limit screen time for our toddler

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Chris has been pretty sluggish this week. He’s even been napping in the afternoons. Kaia has been napping occasionally at school… and then also almost falling asleep at around 4pm after a period of extreme quietness that the admin alerted me to. The admin was considerate of our need to get her adjusted and sleeping overnight, so she’d nudge her before she’d fall asleep and have her eat the usual scheduled supper before pickup at 5pm. We all knew Kaia was jet lagged, but it’s hard to force her to adjust since it’s just her body clock, and she’s only three years old. The concept of “time” at this age is a difficult one. The first few days of pickup, she’s been so exhausted that she refuses to even walk, so because I rarely take the stroller anymore for school, I’ve had to carry her myself several blocks. It was tiring, especially given she was feisty and almost like dead weight because she’s been falling asleep on the trains. She’s almost 30 pounds, so definitely not a little baby anymore! My arms have gotten an extra workout this week…

When she has been awake in the evenings, it’s been a little brutal. These “thrilling threes” have been full of even more intense tantrums, bigger displays of anger and frustration, and very few things, other then presenting chocolate or screen time, have seemed to consistently help. We did more screen time during our trip because of the long-haul plane rides as well as all the times we’ve had to sit in restaurants and finish our conversations and meals with friends and family, but we’re cutting it all off now that we’re back home. We don’t want to be those parents who just immediately give their kid screens to shut them up every single time they get upset. I was pretty unhappy when we were on our flight back to New York, and Kaia barely ate anything on the entire 14.5-hour-long flight. She mainly just had milk and cartoned apple juice (to my annoyance, this was her very first time experiencing juice boxes, which I’ve tried to hold off on for as long as possible since I want her eating whole fruit only). She was either sleeping or glued to the screen, watching Pepa. This was her very first flight wearing headphones and having sound with her screen time, which she was completely enamored by. The few times I tried to get her attention and block the screen, she got angry with me and yelled, “I can’t see! I can’t see!” (It’s also hilarious because she pronounces “can’t” the Austrailan/British way, not the American way). I do not want her to become a personality-less screen zombie in her youth. That’s one of my many nightmares.