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At recent financial aid seminar, I was told...

Posted By: MT back to school on 2005-12-29
In Reply to: Anyone else with an 18-year-old - with an attitude?

Although I am married and it doesn't pertain to me...


The financial aid officer told all the parents there that if their child is 22, living with them or not, their finances will be looked at and considered when the kid goes to college.  So if you boot your kid out the door at 22, consider the fact that if you make too much money, your kid may not be able to afford to go to college without your help because their student loans, scholarships, etc. will be based on both the student's income and the parents.  If they are married or have children parent's income is not a factor, only the student.




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mt seminar in my town
There is a seminar about MT in my town tonight and I wanted to go to see what lies they probably are telling. My son's first ball practice is at the same time. I would love to hear what they are saying up there tonight. Most embelish our wages and it is a shame.
sylvia browne seminar
First off, better get there early cause there are a few hundred, at least in Los Angeles, and hard to find parking.  She talks about her experiences with the after life, spiritual word, her experiences in life..The stubs from your admission tickets are put in a bowl and she picks out about 20 or more (each time I have attended it has been a different amount)..then they call the numbers and each person stands up and asks a question..She then proceeds to answer the person about their life, looking into their soul and predicting..Its great..She got it right quite a few times.  The woman is great, a wonderful caring lady.
See if there is financial aid available,
including work-study and/or grants. If you're developing an injury, please make a change before you become disabled. I worked as a historian in a hand surgery office, and sometimes you have to just stop. Good luck to you.
I was told I needed 2 phone lines, but was told I was dialing into the doctors' system. What woul

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If you qualify for financial aid

You might want to consider looking into EVCC. It is a community college that uses the Career Step courseware, but you have instructors and accept Pell Grants and Stafford Loans.


EVCC grads get the same consideration from employers as Career Step grads.


I am having a bad financial hardship
any kind of help, but not enough to seem to get by on.  Oprah has a debt diet and I am going to try it.  Also I recently joined Debtors Anonymous, for anybody with money problems.  I hope it helps, it seems to have so far.  Good luck to both of us.
Does it serve your financial needs?
The main criteria for any job wage would be whether you think it is a fair trade for your skills and will it provide what you need it to financially.

I personally would not work for $15 an hour. However, your needs may be different from mine. I also have other options. You may not.

It is a very subjective question and one that only you can really answer.

Any financial wizards
out there.  Hi guys I am wondering if I could get some suggestions on my 401K.  I am really dumb about numbers.  Give me big medical words and I am fine, but not numbers.  Anyway, we just switched to another financial management for our 401K.  I cannot remember what managed portfolio I had picked years ago.  Would you, in this day age with the way the stock market is, go with an ultraconservative 100%, conservative 20(stocks)/80(fixed), balanced 40(stocks)/60(fixed), balanced 60(stocks)/40(fixed), aggressive 80(stocks)/20(fixed), or ultra aggressive 100% stocks.  Can anyone help me out here?  TIA
This is exactly why my financial advisor said
:)
To any financial wizards out there. SM

Does anyone know about when a company says it has profit sharing what that exactly  means.  Is it the same as them matching the 401K contributions, or is it separate outside of the 401K distribution?  Also, is it usually paid directly to the employee or invested by the employer?


Thanks to anyone who can help.


Financial Assistance???
I am currently a full-time-college-student-but-otherwise-SAHM. Pretty soon we'll be needing more money, but I have neither time nor resources (day care around here is INSANELY expensive) to work outside the home. I've been doing the reasearch and have come to the conclusion that MT is a good job option for me.

The problem is the training is sooo expensive! I mean,if we didn't need the money I wouldn't be looking for the training to begin with--so obviously I don't have $1600-4000 up front for the training. And most of the payment plans I see aren't looking much better--like $1000 up front, $350 every month after that. Right now that's just not feasable.

Are there any MT schools that offer reasonable financial assistance? Or, I'd even be cool with a payment deferment plan or something!

Anybody know of a school that's willing to help the financially strapped?
Tax guy told me to hold 30%. After first year when got idea what I would be making, he told me
:P
Do you ever feel the financial crunch?
My house payment and insurance are auto debited from my checking account.  However, work has been so slow and my paychecks have been so puny that I need to get more money in there to cover those.  I've called everyone on the planet that owes me money, but nobody's coughing it up.  I'm the one that posted the other day about the medical company and the IRS owing me money from way back.  I wouldn't have a problem at all if they would just pay me.  I've tried picking up extra work and looking for a new job, but there's nothing anyone can do that would pay today.  I don't want to take my rings to the pawn shop because I don' t think I'd get a whole lot out of them anyways.  Interest on those check cashing loans is terrible, then you get sucked into that cycle of borrowing from them repeatedly.  I've already cut my household expenses back as much as possible.  I'm just so stressed about it all.  Has anyone else ever been in this situation?  What do you do?  I can't stand being broke.
More important to me is keeping my financial

info within the US.  HIPAA allows many uses of unidentiable medical records to be distributed in many ways even within the US, not to mention overseas.  There is no law that keeps my financial information confidential and within the boundaries of the US.  Very little truly identifible information to connect medicall record A with a particular person other than by name is sent anywhere, even to MTSOs within the US. 


Who wants my medical information?  The College of Surgeons to help them identify ethnicities and trends in cancers, the AARP to help target demographic groups for products they sponsor and to "represent" when they pay their professional lobbying group in DC, the auto industry to decide my premiums, and on and on.


I got a Walmart credit card, was 7 days late in sending in my $10 minimum payment and got a call from India for collections.  ????  Mailed in the account balance and closed the account.  Then called all my credit companies to find out where their call centers were located.  I now have only financial business with companies who keep my records in the US.  That is my choice.  There ARE 2 cases of people who sold US financial records being proscecuted by the Indian government and a total of 5 people are in jail for this.


To the OP, share with us your thoughts.


Michael:  You've been missing a lot of work.  Peter:  I wouldn't really say I've been missing it.


I know it's not the best financial decision, but (see message)
I have no money problems and can afford to have payments each month.

I lease strictly out of convenience. I don't like to own a car for more than a few years. I don't want to deal with the hassle of selling a car once I no longer want it or deal with repairs. I want a car that's always under warranty and that I can give back easily when I'm done with it.

If I were not financially stable, I would definitely purchase a reliable used car, but where I am in life right now, I just don't need to. Leasing is a convenience for me, and it's one that I'm willing and able to pay for.
Do not lease. Big financial mistake for you. (nt)

Depends on mom's financial situation maybe....sm

I would assess the need of the mother and child and then give appropriately. Boxes of diapers and wipes are always appreciated and are sure to get used!


late pay and financial situation
No one is responsible for my financial situation however my check is not a payroll check -I am a professional subcontractor and once a contract is signed or a client (MTSO or other) tells me or I tell them when I will be paid they are legally responsible to do so within a reasonable amount of time for mail delivery.

If I told my electric company - sorry but can't pay now, hold off until I can - my electric would be shut off - with fees added on. Why is it that transcriptionists feel they are less important to a client than anyone other professional?

Charge them fees and pursue it - as a subCONTRACTOR you are entitled.

As for D&L - I cannot note the new name - but I can say that more initials but same people. I choose to be quiet about the new name so that others who maintain some sort of employment there do not lose whatever small thing they have. Eventually this will change and you will see it prominently displayed I am sure. At the moment they are not advertising at all, so I feel comfortable in my decision to remain quiet on the name.
The financial gurus always say when starting a new
business/career you should have enough money in the bank to cover 6 months of expenses.  
this applies to MT, right? (link for financial assistance)
link:  http://www.doleta.gov/programs/factsht/taa.cfm

something has to be done to help people losing jobs to foreigners...

it says you need 3 or more workers to apply...

also, it aint going away, ladies: 

Other projections include:




  • 10 percent of U.S. technology jobs will have moved offshore by 2005 (Gartner Group)


  • up to 25 percent of traditional IT jobs will be relocated from developed to developing countries by 2010 (Gartner Group)


  • 500,000 financial services jobs (8 percent of all U.S. jobs in banking, brokerage and insurance) will be shipped overseas by May 2008 (AT Kearney)


google greendot financial and read
x
Most financial advisors say when you receive a windfall...

After paying any necessary debts, etc., put the remainder in a CD or money market account and let it accumulate interest for a while so you can consider your options. You don't want to jump into (or out of) anything on the spur of the moment.


I guess the question is, is this a job you want to keep? If so, I think the advice the MTSO below gave is great - talk to your supervisor or lead, explain the situation, and ask if you can take some time off and still have a job waiting for you when you get back.


If it's not a job that you want to keep, then don't worry about it. Quit, spend some time with your daughter, then look for another job. You will certainly have enough money to tide you over!


P.S. For financial advice, check out one of Dave Ramsey's Endorsed Local Providers in your area. (link below) Look at the top right corner of the page under Trusted Services. Their goal is not to tell you what you should do with your money, but teach you how to make the right decision about your money and investments.


Good luck and CONGRATULATIONS!!!!!!


Prayers and well wishes are just as important as financial help...
sorry you don't see it that way...
Here's their revenue for the past three years and other financial data.

MQ's debts are not high either.


http://news.biohealthmatics.com/PressReleases/2005/08/19/000000002719.aspx


leasing is same as renting a house, never the best financial choice...sm
bottom line is somebody is making money off of you leasing. If they didn't make money off of you, they wouldn't lease. Same thing with renting. Renters always cover the mortgage and repairs on a home while the owner reaps the benefit of building equity. Now cars are a little different as they definitely depreciate while homes do not (usually!) but as I said, if they weren't making money doing it, they wouldn't do it. You can easily find a traded-in used vehicle with 50,000 or less at a dealership. Get one of the yearly reports from Consumer Reports and you can find which cars are the most reliable (for example, Buick LeSabres - those things run 4ever). Best financial move is to buy it from a private party with cash. I mean showing up with the whole offer in $100 bills. Few people can pass that up. If you can't get the money together to buy a car outright, you will for sure never get ahead driving someone else's car and paying them for the privilege of it. And you are just kidding yourself if you're driving around in a "new car" that you can't even afford to buy.
Terrorist attacks in Mumbai/financial districts.

Dozens killed in India terror attacks






Buzz up!

Like this story? Share it with Yahoo! Buzz



There now are reports of as many as 80 people dead -- a number that is likely to rise -- in apparent terror attacks aimed at tourists and travelers in Mumbai, India.


Oberoi_fire Reuters is reporting that at least 250 people have been wounded in the attacks, which appear targeted at tourists. In addition, Indian television is reporting Westerners are being held hostage at at least two hotels. News networks and wire services are reporting there have been at least seven separate attacks in the city, largely at luxury hotels and restaurants.


"I heard some gunshots around 9:30. I was with my friends. Something hit me. I ran away and fell on the road. Then somebody picked me up. I have injuries below my shoulder," Reuters reporter Sourav Mishra said from a hospital bed, Reuters reported.

The Times of India
reports there have been eight separate attacks, including a major terror strike at a large passenger railway station.


Our coverage is here.


(Television broadcast capture of a fire at the Oberoi hotel in Mumbia courtesy NDTV, via AP)


Update at 3:57 p.m. ET: According to the AP, gunmen are known to have attacked a major train station, a well-known restaurant, two luxury hotels and a police station. A previously unknown group calling itself "Deccan Mujahideen" has sent e-mail to news organizations claiming responsibility for the attacks, the Times of India is reporting. The AP now lists the death toll at 78. There are multiple reports that attacks are continuing.


One of those radio financial guys said debit cards are the MOST dangerous to use.
s
Manufacturing computers offshore is different than PRIVATE MEDICAL AND FINANCIAL INFORMATION. sm
you need to compare apples with apples not oranges.
Recent diagnosis of MS

Hang in there!  You can overcome a chronic illness and empower yourself.  It ain't easy, but doable.  Been that way for 12 years now.


Just make sure you file the disability with a disability attorney. SS is very well known for denying claims usually twice, then court before they grant it.  This waste many many months and tires us that are already tired, out.  You need all your energy to fight the disease, not for your rights to supplemental income you've paid for all these years. 


Your children will also receive dependent benefits until they reach 18, so again, get an experienced dis. atty.  Hang in there


My recent experience at my vet
I have been taking 5 cats there for years. They have seen me through a lot of issues with various animals, and I truly believe my animals have all received excellent care. My beef is they also just added on to their already huge clinic, seem to have a never ending supply of support staff, new computers, you name it. One of my cats went in to be vaccinated recently. I just do basic shots these days because all the cats are indoor cats, I know their history, etc. They took the cat to the back this time, and when I got the bill it was for every darn shot you can imagine for cats (leukemia, etc.), plus they charged $15 to express her anal glands (never even asked for that!), toenail trim for $10 (I can do that at home myself, thank you very much), and a few other things. Needless to say I was not happy about it! Never again is my animal being "taken to the back" for anything. They can give blood draws and shots with me right there, just as they have done in the past. I have no problem with them doing that right there in front of me. Guess their bottom line is they need to milk their clients for any bit of cash they can get these days. I am really, really disappointed in them now.
Actually I did get a recent raise...
so I'm sure not complaining about that, and fully expect to be given the harder docs, but how are the former cherrypickers supposed to finally learn how to do 'em if all the Foul Ones are sent to us old-timers? I presume they must be getting SOME of them, hence the bad TAT suddenly - but my raise seems to be dwindling as I am assaulted by a steady stream of "mushmouths" all day! Not 2 mention getting hateful after so many in a row without an occasional "good doc"....oh well - back to the foulness!
I am looking for some recent information on...

Everything that I find in the archives is old.  I have already been offered a position with 1 and waiting on an interview with the other.  I have chosen IC status for both because I just cannot comply with the strict schedules that these companies have now.  I have tried being an employee but after 10 years of being an IC and working when I want, schedules are tough.  Does anyone have any advice please?


See the recent discussion
on page 2 or 3 of the company board.
recent graduate

I just finished school back in Nov. of 2005. I've been looking and looking for a job online and still have had no luck. The only response I seem to get bac from anyone is that I don't have enough experience. Does anyone have any pointers on what I should I do, or how I should approach this field? Please help me!!! I don't know what to do anymore!!


Webmedx will take anyone. They even take recent sm
graduates and pay them to do acute care, with no experience.  I don't think they would care that your acute care was in the past.  Just empathize it, and demand a decent line rate.  It is all going to ASR, anyway, and you will become an editor, just like the other very experienced MTs.
My recent experience
I, of course, cannot comment for other users, but my recent experience with Pam (one of their recruiters) has been excellent.  She was VERY upfront with me and gave me several options of companies and told me why they would or would not be a good fit for me.  If you're interested in finding new work, what is the harm in contacting them?  I can just about guarantee that you will NOT be directed to Spheris or MQ.  Also, even when I asked questions about companies that they did not represent, she was very open and honest about those companies as well, at least the ones that I asked her about....meaning she told me good things about some of them, as well as ones to look out for.  Basically, I'm going with one of the companies that she recommended and I'm excited about it for once. 
What was that recent movie ...
Something where they were going to blow up a compound in Saudi, wasn't it?
Don't know about platforms, but recent
posts about having trouble getting paid with DeVenture. 
recent graduate

I graduated this year from a community college which used the Career Step program in addition to some other courses.  It was all done online.  I have been working for 3 months, and have learned almost as much from working as from school so far.  The difference is that you are doing 800-1200 lines a day so you are exposed to a lot more information.  However, I don't believe I would have passed the entrance exams without everything I did pick up with the schooling. 


I would definitely encourage formal training of some sort because it is such a competitive industry.  I honestly don't think you could get hired from home, or pass an entrance exam without a good deal of training.  The 98% accuracy they are looking for on their tests is tough to hit without very strong grammar, med terminology, and AAMT/AHDI standards knowledge.  I am not making much money now, but I know within a year it will be different.  I am home and that is invaluable to me!


Good luck! 


 


I told you once, I told you twice, eTransPlus is going down the drain!
Don't expect communication from anyone, we are only little "peons."
my office was not a recent closure
but a few years ago. and it all went very smooth: a change of phone numbers and contacts...but the new office actually turned out to be better with communication and other things. My main account also transferred with me. MQ has the structure and management to do such things smoothly, even more so now than then.

No, i am not management.
My information is from recent research >>>
for an MT's job search directory, and so far less than 1% of facilities, including hospitals, clinics, major healthcare providers and individual practices, have an awareness of AAMT/CMT.    With the current "unrest" even among members, as well as the move toward an AMA-sponsored MT association, I still believe CMT is not of much value - unless things change dramatically and soon.
Some recent posts are lost...
during server upgrade, regardless of the topics or posters.

We apologize for any inconvenience.

http://forum.mtstars.com/company/v/2/932.html
What are you talking about? Most recent IS from today!!
Brenda, what are you thinking today's date is exactly? You have us all puzzled!
My recent job-hunting experience

Two decades of hospital experience here.  Applied at about 6 different large companies.  Some of the pay was atrocious (.07), some was fair (.08).  One offered .085 but had to work the hours precisely as they demanded as an IC with no flexibility and told me up front it was an extremely difficult and high ESL account.  (Now I realize that someone has to type those hard dictators, but would prefer that they be mixed in with an easier account -- been there and done that as far as an 80 percent HARD ESL account).


Of course I didn't take any of them and now I wish I had told them the pay was too low and that it was insulting.  I was not tempted to accept any of those jobs.  The recruiters for the most part acted as if I should be honored to be offered such a cruddy job with them!!  These were all companies who advertise heavily on the MT boards and perhaps that is why they are constantly advertising.


I took a job with a very small company who has decent accounts and were eager to pay me a better wage so I know they are out there.  I had interaction with 2 such smaller companies who offered good pay.


I really hate to see to see good transcriptionists take jobs that offer so little in return for our services as it hurts us all in the long run.


my observation on some recent posts

there is the thread about podiatry, posts about companies, posts about cherry picking,  ESLs taking over, this company is the best.     How many hundreds of us are on these boards???   Its a good thing we are all individuals - and there is so much work out there because one type of person could not do all the types of work.  Not everyone wants to work for big corporation  - not everyone wants to run their own MT service.


Some of us hate short little clinic notes, some hate long operative reports.  Some love radiology, others want to type IMEs. Never work for a company that IMs you all day vs  this company never gives feedback.


Where I  recently worked - we always used to leave behind certain reports for the late shift person, stuff we all thought she loved until one day she complained - how come I HAVE TO DO ALL the _____ studies..  Its kinda funny- you might think someone is cherrypicking all the CT's and they think they are doing you a favor by leaving short reports. 


Of course NO ONE likes the really awful individual dictators, whether it is ESL or chewers, the accounts that have a million details or QA that keeps changing. I think most of us know you have to take some bad with the good and when you TRY to do the tuff stuff, the good stuff becomes easier.


So  when someone comes to vent - cut them some slack - who cares about typos here - we all know that when we are working, we use our spellchecks and pay attention to details. 


When I take time to answer on this board, it is never with judgement - I always try to say "in MY experience, psych reports are bad because ..."  or when I worked for  XYZ company, they did not count lines correctly.  You cannot make generalities about  a profession as varied as this one. 


I come here for information AND entertainment - it does take a certain type of person to do this work -  that has nothing to do with the skills involved - and I think we share an understanding of each other, even as we argue over everything.    We all saw a part of ourselves in the recently posted "You Might Be a Transcriptionist If..." and we all laughed as we shook our heads. 


Sad to say I am about to make the decision to try a career change - I cannot push myself anymore (after almost 30 years) to produce enough lines to make the money I need - thats not to say it can't be done these days, just that I don't want to/can't  work that hard anymore. 


Have you tried the recent job board listings?
xx