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

Posted By: Carly d on 2006-07-10
In Reply to: baby showers - sm - Prairie Pauper

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!




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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.
It really depends on the situation, IMO
In my case, YES I had a second baby shower. My first was in 1993. In 1995 I started trying for baby #2 and during that 2 year interval I had developed severe endometriosis. I was *infertile*. Well, 9-1/2 years and a gazillion fertility treatments later I was finally PG.....with twins. My friends and family had gone through all the ups and downs with me (2 miscarriages along the way) and were so thrilled they INSISTED on a baby shower. I think they would have even if I hadn't gone through a "I'm never going to have another baby" period about 7 years in and got rid of all my baby stuff.

Of course anyone has the option of not going to a second or THIRD baby shower for someone. I certainly didn't EXPECT anyone to come to mine -- but I was so happy that they did come share in my joy (gift or no gift....didn't matter to me).

I really think it depends on the situation
If there is more than one sibling I think they should split responsibilities (financial, caretaking, etc.) equally. But of course, in this mobile society some people don't live near their parents so the visiting part on a regular basis is impossible.

If someone is an only child this could be a huge responsibility!

I really feel sorry for middle-aged people in today's society because they seem to have everything thrown at them at once. Even though they've been working, raising a family, and doing everything they've been expected to do for 20+ years, at a time in their lives when they should in theory be enjoying themselves many of them get stuck babysitting their grandchildren (which I think is ridiculous and taking advantage) and/or taking on the responsibility of caring for elderly parents. They're stuck in the middle of two generations and seem to have little opportunity to enjoy themselves before they too are elderly and unable to do so.

I don't think there's an answer but it does suck regardless.
depends on your situation
nm
depends on your situation
do you have to fill in demo screens or not, is it acute transcription or not, is it a teaching hospital with many different dictators or not, are there ESL, or not, does it include spaces or not, does it include headers or not, is it a 65 character line or not....
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.
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?
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)

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)


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

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.


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.
It will. I was in the same situation.
Mom was a total bipolar psycho - one day she loved being my friend and the next day she "didn't want to talk right now".  I haven't seen or spoken to her in 20+ years and the kids drifted apart shortly thereafter.  Good riddance.
sad situation
  I know what you're feeling.  We have a similar situation in our community.  My daughter is friends with the older sister and I graduated with the mom, so she and I went to visit the day after.  I know what you mean about flowers and food.  I am planning to go visit again in a few days and take some soup that she can just put in the freezer and heat up anytime.  I also bought some cards that I am going to send over the next few months just to let the family know we are thinking of them.  It's a very sad situation.  Hope this helps.
Everyone and their situation are different. sm
I had to do that, and it hurt, still does at times, but it was the best thing I ever did for myself. Basically, I had to do it to save myself from her constant criticism and bitter remarks. I know how you feel. Just try it and see how it goes, thats all you can do. If something hurts you that badly, get away from it.
You and I are in the same situation.

My goal is a minimum of $100 per day now.  (My old goal was $50 per day with kids home most of the time.)  I spend a lot of wasted time looking up patient and physician information, and I'd like to be more focused, too!  I tried job searching but I don't have time to do these huge long tests on top of working with the kids still home for summer.  There are some days when I just cruise through and do 200 lines without an Expander on an easy account.  I'm getting better, so I'm not going to dog myself over it.  I look back to what I was producing only six months ago, and I've improved a lot.  The Word Expander helps a lot.  I just wish I could get better and make more money in less time.  LOL  Ah, the elusive dream....


My situation
In my opinion, it is all about how much money you need or want to make. Obviously, working only part-time will bring in much less than money than full-time.

In my personal experience, having done this for 7 years, you most definitely can achieve your goal of becoming a productive and excellent transcriptionist. I have averaged only about 1.5 to 2.5 hours a day for the last 7 years and am satisfied with that. I work on multiple accounts and can type on an average of 300 lines per hour. There is no limit to what you can make! The more you type - the more money you will make - BOTTOM LINE!
I am in the same situation.
Just got a letter about the insurance and quota. I don't think they grasp the concept of no work, no quota.
OK....here's my take on the situation....
It sounds like you're fresh out of school...right? I think 87 lines an hour is not too bad for only three days of work!! This will take some time! You will never become your best because you will get better every single day that you do it!! In other words, in five years, you will STILL be learning and getting better!! Stop beating yourself up! And more importantly, don't give up!!! This is not a job that just anyone off the street can do!! This is a "learn as you go" job! Keep at it!! You WILL improve every day. Good luck and let us know how it's going from time to time!!
Nearly the same situation here

Sorry to hear that you are having a hard time.  I am in almost the exact same situation that you are in, minus the new account.  I am fortunate to be on a great account, but my 10-year-old son does feel sad that I work so much.  My work hours are nearly all during his time off (i.e., after school and on weekends).  It is definitely hard to balance time with him and work.  It doesn't help that my husband works a lot as well.  Oh, and we also have no family in the area


As far as advice goes, I guess the only advice I can give is to be patient with him, although you probably already are.  When I take work breaks, I try and make the time extra special.  And if he needs me while I am working, I try and respond immediately without an unhurried tone, which really helps.  If you act relaxed, they also tend to feel relaxed.  I know it's hard when you are stressed, but try and it may help.  I also emphasize how the "extra money" from mommy's job allows us to take vacations and buy little extras here and there.  He understands the concept of extra cash. 


I guess the best points to remember are:  Be patient, act relaxed, spend quality time together during your breaks, and maybe allow 10-15 minutes before bed to read a story (if you don't already).  Hope this helps a little.


I also have RBS. :-) My situation is the same every day. SM
I am sent 150 minutes of dictation on a list. This is in my Lanier queue and my only challenge is to see how fast I can do it. My goal is 30 dictated minutes per hour.

I use Timestamp.com and keep up with my time every day. I type till I don't feel like it, then I go somewhere else.

I use Shortcuts for Windows and my own version of macros.

I feel that I'm as successful as I can be. If there are other shortcuts to be taken, I've not found them.
same situation here..
My brother did the same thing after my folks died.  I finally figured it out ---- we really love each other, but just don't have a lot in common or have big conversations -- so he invited other people to converse and act as kind of a "comfort buffer" for him.  
What would you do in this situation?
I work for a small MTSO, (this is my second job) always have had plenty of work until the last month or so, have been told it was just "slow" - have a friend who works for another small MTSO in the same state - yesterday she told me that the company I work for has hired them to do some of their work, which I guess explains why we are slow all the time.  More than likely they did this to meet turn around because they were always asking for extra help and now never do, yet I wonder if they are trying to get rid of the higher paid transcriptionists, any suggestions?  Don't know if I should just stay and do what work is there or look for something that has work when I need it, feel betrayed because the company said it was slow and now I know different.  Like I said it is my second job so not totally dependent on the work being there. 
I am truly sorry for your situation....sm

I had nothing when I dumped my ex - no $$ and really not a pot to p*** in.....but I weighed out the pros and cons and my very own sanity won out.  My sanity was more important than possibly ending up homeless (which I did not end up being).  When I left I remember saying *I cannot wait to be divorced from you one year longer than we are married* - I'm away from him now TWO years longer than we were married and am SO happy I made the decision back in '91 to save myself (and my daughter) and become my/our own Hero. 


Best of luck to you...I sure know it is NOT easy.....


They never get it, no one does until your in situation. sm
You have got that right.  Like I mentioned in previous posts, I have quit even arguing with my sibling, and have accepted it.  They will have to answer for it one day, not me.  And the, "I have to work" drives me up the freaking wall -- like I don't.  Even my extended family do no realize I have a real job, they will never get it.
I had the very same situation and this is how I

Stop the invites.  Get on with your own life.  One of the posters suggested getting her alone and talking to her.  Forget it.  She's either too busy or only around at holidays - she's using you because she has no where else to go.  Once you cut her off, maybe she will think twice about being too busy!  - Good luck.  This worked for me.  Now I'm too busy and much happier without the "family-users" who abuse their blood relationship and turn them into guild issues.  Too many people think just because their family they can get away with this stuff and consume you with guilt.  I suffered for many years because of family-related guilt issues.  I'm much happier now since I put my foot down -


what would you do in this situation?

I have a younger sister who is ONLY in touch when she wants to be invited to Thanksgiving or Christmas dinner at my house, to brag about something, or to ask a favor.  The rest of the year she tells me she is *too busy* to be in touch more when I ask her why she does not stay in touch the rest of the year.  I would like to stay in touch and even have her and her husband over for gatherings, but I really feel as if this is all one sided and wonder if I should continue to try.  Any helpful advice would be much appreciated. 


We are in the same situation in VA.
It makes me so mad because that is all the schools teach. SOL....that's all we hear about. The schools push it because that's how they get more money! I don't think it is good for the kids. They may know who invented the cotton gin but they are missing out on learning something special from that "special teacher". Remember those "special teachers" in school who taught you something that wasn't in the textbook!
First of all, I'm so sorry for your situation and wish you the best....sm

Any pt report is open reading for anyone in an office or MT pool situation.  Your report could have gone to any one of them.  She was wrong to tell you ANYTHING and should be in trouble for that, not what she didn't tell you.  I have transcribed reports on close friends, neighbors, even relatives, and I NEVER tell anyone anything.  I even try not to let people know who my clients are so they won't know I might see something they don't want me to see.  I transcribed a report on a close friend of 20 years who had a potentially fatal disease.  I kept quiet about it, and it was a year until she told anyone.  That is just part of the business.  A good MT knows to keep her mouth shut or risk loosing her job and who knows what else.  Again, I am so sorry, and you will be in my prayers.


I have been in this situation
much much better bringing the MT back in-house, but keeping them at home.
tax situation
I am going to be starting a new job as an IC.  I have always been an employee or a statutory employee.  What are the benefits as far as my taxes?  What kind of deductions can I claim now that I could not claim as an employee?  I would appreciate any thoughts on this - I know you cannot be accountants for me - just would like an idea...  TIA.
Well, the way I see your situation is
you can a) either work and make what you need or b) you can babysit. I think that is what you are saying. Seems reasonable to me- just quit working and take care of the girls. Sounds like a coworker of mine- she is going down the drain working at 1 place, not making any money, offered an evening position with another place- does not want to take because she keeps her granddaughters then- makes good sense to me-
I'm sorry about your job situation
I had something similar happen to me a few days ago. The insurance company that I've been doing transcription work for over 7 years emailed me and told me they were going with a service. I really counted on that money. I do have another MT job so I'm not in the same position as you, but it stinks to be out of a job just like that when you least expect it. Good luck.
EXACTLY my same situation to a T (sm)
I'm going back to finish a nursing degree because I have to force myself to transcribe and I'm tired of working 7 days a week, till 11 every night to make $2000 a month.

I took a week off but I'm so ready to do something else!
Same situation...
I wondered how many were really in the same situation as me...looks like quite a few.  I work for three companies--one that is supposed to be full time, one that is about 1/2 time, and one that has always been very part time.  Where I used to be limited only by how many hours I wanted to put in, I am lucky to get 5 of 6 hours of work out of all three now.  I know it isn't their fault, but I get worried.