E-MTS has 401K plus match and benefits. Try them.
Posted By: Exp MT on 2005-11-10
In Reply to: Special - the wonderer
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Only if they're paying 20+ per/hr with cheap benefits, 401K, and generous vacation time.
s
That was with full benefits, which are the same benefits as an in-office employee for the QA staff..
However, I hear that their current QA staff are being asked to reach numbers that are out of sight and goals are basically impossible.
401K
The answer will depend upon your age and your tolerance of risk. The younger you are, the more aggressive you can be with your fund because time is on your side with markets correcting over time. On the other hand, the older you are, the more conservative you need to be because your time frame to recover from bad markets won't be as long. Only you can determine your tolerance for risk and that depends upon your complete financial picture. HTH.
401K
I have had a Vanguard fund for 15 years. They took care of any changes as I aged;i.e., I'm in the age bracket where I now have 2 growth funds (safe), one aggressive fund, and a another fund which I don't remember what type it is. But when I opened this account with a rollover, I tried to choose a mix of everything, utilities (oil,water, gas, phone, and electric companies), merchandising (Wal-Mart, etc.), franchise restaurants (McDonald's, etc.), health care (drug companies, nursing homes, etc.).
I was a bit mad when they switched my utility account to a "safe" fund. Think how much money I could have now. LOL
Just read your prospectus carefully AND the amount of yearly costs and expenses. That could make a huge difference in your overall "profit".
Ind 401K for self employed
There is a new type of retirement fund for self employed business people where you can put money in as both an employee ($15,000) and as a percentage of your profits as the business owner. It is called an Ind 401K. Here is a link...
http://www.troweprice.com/common/index3/0,3011,lnp%253D10264%2526cg%253D960%2526pgid%253D10057,00.html?scn=Low-cost_plans_with_&rfpgid=7622
I wanted to go with T. Rowe Price but they do not allow loans, so i decided to go with Oppenheimer.
I think it's different from 401K matching
but I would think the distribution of it might be different from company to company. I think some companies have profit sharing in the form of stocks and such. Others give bonus checks based on percentage of profit either yearly or quarterly.
Disclaimer: I'm no financial wizard, though. Sorry!
Sure you can. I currently have 2 401K, a Roth
IRA and a traditional IRA. I will probably roll one of the 401K over into an IRA.
also 401K, % of company contribution, etc...nm
x
Each 401K is a separate entity. You can have...sm
as many as you want. Sure helps with the taxes!
I have what is perhaps a dumb question about 401k plans. Can you have 2? sm
I am starting a part-time job in addition to my full-time job, and they both have 401k plans with matching, so if I could have both, I could get a little extra on both sides. Somehow, though, I am thinking that probably is not allowed. 
Thanks for your input.
plus my company was kind enough to put $4K in my 401k every year...*smiles*
x
to match............*LOL*........nm
.
MedQuist pays PTO and offers 401K to part-timers.
You have to work 16 hours a week minimum.
It was a good match
I agree with you....Venus most definitely over-reacted!!! I felt like it was a staged display! Of course, if you remember back four or five years ago, both Venus and Serena had very terrible and negative attitudes. Quite honestly, I don't think they have changed. I, of course, was hoping Lindsay Davenport would win....I'm all old tennis pro from the 60's and "grunting" and "squeeling" was not even HEARD of! I know Sharipova is good but I don't watch too many of her matches because her noises make me sick!!! Venus is certainly vocal enough during play...do they check for steroids of tennis players???? Maybe they should! 
I think though with SE the employer has to match the SS but IC is not that way. I rather like SE
status and I know there are some companies that have that but I dont know which ones.
I tried them and when it was not a good match, they were
very rude to me and ignored my emails. Not a good company
Hubby is a CPA - I try to match him in pay :)
x
Do you mean things like Match.com?
or do you mean sleazy type stuff that is advertised during the Jerry springer show at midnight?
My mom met her hubby online. She had a profile set up and a coworker of his saw it and said - this woman sounds perfect for you.
They met, hit it off immediately, and were married within a couple of years. Shortly before they got married, she was diagnosed with cancer, and now it is stage 4. She has been through chemo multiple times, radiation, surgery, blood transfusions.....and he has been by her side through it all. He is a real gem. 
She had to kiss a lot of frogs she met IRL before finding this guy.
I don't doubt married men use these sites though. Remember the story of the guy that was deployed to Iraq and got engaged to multiple women in the US online? They found out about each other before he got back I think. It was in the news a couple of years ago.
No - My employer does match (sm)
The SS tax, so I guess I'm technically a statutory employee with the added benefit of a very flexible schedule that an IC would have.
Match maker
I tested with them. They then called me and said I would be hearing from them within a week. Called me back to say they were busy and would get back to me real soon with the company's info. I never heard from that again and that was months ago now! As far as I am concerned how can they possibly help you ifnd the perfect job if you dont contact me. Forget it, it is not worth the time for the test!
The match that employer would pay just 7.xx%.
x
IC positions offer no benefits, employee positions off full benefits, so if you do not need
benefits, then IC would be best.
When it comes time, i will match what they earn.
c
I have done that. Found my match. Moved up
Before any asks: MQ.
Before any complains: Every company has those who love it, like it, have no opinion, don't like it, hate it. Every single one of them. It has worked well for me and I wouldn't leave it for anything.
And that's my story, I'm happy to say!
Electric motor repairman. I'll never match his pay.
But the more you make the more you spend.
Hey! I saw that picture last week on Match.com?!?! better check his email
just kiddin!
Have you considered asking your current employer to match the new offer?
Of course before you do that, you would have pretty much decided to take the new offer if they say no.
Make your life easier, pick which name to go by and have EVERYTHING match. sm
yes, it's a pain to stand in line at the SS office, adn the DMV, and you have to fill out forms, but avoid all confusion which WILL arise in the future with a little effort now.
Agreed. I always found them to be a match made in trailer heaven
When I first heard Barbra many, many years ago, I felt no one could match or exceed
her vocal range and clarity, until I was introduced to Celine performing at the Olympics. I had no idea at that time who she was, had never heard of her, but was instantly and totally mesmerized by her voice, power & range. At that moment my feeling that Barbra was the best dissipated, and I have become a dedicated fan of Celine's. I just feel that on top of her range & pitch, her emotions are felt through each of her songs and is unsurpassed.
My rant re: "a match made in trailer heaven - two skanks in a crud"
Let me FIRST say that I do not usually rant, I am not a ranter, if something bugs me I take a deep breath, look at the offending item in the grand scheme of my life and realize that most of the time it isn't that big a deal. However, these condescending trailer park references that I run into are a bunch of crap!
How can you make a derogetory referrence regarding people who live in trailers? If it had something to do with race or sex you have been flamed by the whole board. I am sick and tired of generalizations directed basically towards me! I live in a trailer in a trailer park and I MOST CERTAINLY am not a skank. I have heard it all, white trash, trailer trash, skank, etc. when people talk about parks. My town even named it a "Manufactured House Community" and hid it where you can't see it! I am here because I can afford it here. The average price for a house in my town in Maine is $250,000 ++. While we do just fine, I cannot afford that on my MT salary (been MT for 6 years) even though my husband works his butt off at 3 jobs. Oh sure, we could probably get a loan for a $300,000 house but I refuse to get in over my head in debt just to convince people like YOU I am in your league! I also LIKE it here. My neighbors are the best I have had. All of our homes (trailers) are well maintained, the lawns are spotless, and there is not a single car up on blocks that I can see anywhere!! Don't even bother to tell me that is not the norm for parks because there are 300+ trailers in this park and they are all just as well taken care of!
Another thing that irritates me is the word "skank". I have never understood why women have to tear each other down using trashy descriptions like that. Of course I am sure there are those out there who DESERVE the title but most of the time women seem to judge based on the look of the offending party.
You may think your comment was tiny and I am blowing it out of proportion, but I am not! It is comments like that that makes people like my neighbors ashamed to even tell people where they live.
I have said my piece and I await the flaming. When you drive through my park (yah right) and see me standing on the nice, green lawn in front of my pretty trailer with my 7-year-old in the yard, my toddler on my hip, looking very pregnant in my cutoffs and tank tops, you can THINK "skank" all you want. I KNOW that I am a strong, educated, well-employed woman with a nice little family who refuses to put all our happiness and our hard-earned savings on the line to prove that I am EQUAL to people like you!
Right Now, we do get benefits
but MQ is trying to change that, of course. They are trying to get our hospital to outsource everything to them, which would then mean i can work for MQ or leave. I hate MQ. I want to see them exposed for what they really are and I want to see everybody that have hurt, be compensated.
You can do that with benefits too, ya know.
:)
As long as you're happy, it pays your bills, and you can make ends meet at tax time, that's all that counts. :)
Is that with or without benefits
Do they have Editor positions as SE?
If you don't need benefits, look into
doing house cleaning for individuals on a weekly basis. Lots of under-the-table money to be made from what I used to see when I worked at a bank (and saw deposits of gals doing housekeeping). Weekly house cleaning is no longer limited to the well off professionals.
I was in QuickLube, or whatever it's called this week, and a 70-something lady was talking about her work as a home aide - light housekeeping and cooking and companionship - no medical stuff. She got her referrals through her church and was charging $10/hour.
Unfortunately, some of us need benefits.
Not even in the salad days did I make anywhere near that. In fact, most of the services I know don't charge that.
It's all about the benefits
Hospitals don't want to pay the benes. The hospital where I used to work was sold and the new owners threw us all out plus the service we used. My benefits alone costed the hospital roughly $5000 per year x that by 15 transcriptionists. Plus they provided everything for us, equip, desk, computer, etc.
Apparently they contracted a service for X amount of dollars per month/year to do it for them. No messing around with line counts and they always know what it will cost them.
Can you name some benefits for
the American MT to become certified? Please tell me how AAMT has changed the average MT's job security, satisfaction, etc. All I see is that they have given up on us and moved overseas to start programs and gain overseas members.
well, there are some benefits to having your own
was asking you to go away. A blog serves a similar purpose and in fact you may find a wider range of readers, interactions and help than what you may get on this web site. Yes, I have seen others here say they would start their own blog and have seen a couple of them, so it wasn't an only you thing (at least I didn't see it that way).
Benefits can add up to $10,000 though. (nt)
Tax benefits
I guess I just like knowing I own my own business and I made it what it is today. I like getting out and delivering. Talking to the people in the office making personal contact. Working as much as I want. I also like the write offs and paying less than $1,000 taxes per year. To each their own. To me this is the answer. Most on this board all they do is say that there is no way to make 50K a year and I simply gave an example of how you can do it. I am not knocking you, you seem to have done it I just like doing it "my way" as Frank Sinatra would say. Best of luck to you.
If you do not need benefits then you would
there is more leg work involved especially when first landing an account. The other problem is that even when you have a contract with them they can break it any time for someone who charges less. So you must remain humble with your pricing. When you have your own accounts, you have cut out the middle man, BUT, you must chase down your money. In my experience, the Transcriptionist must get paid LAST because most weeks, I have to ask nicely or do without. Have a safety net, an account to borrow from until you get paid because a lot of the time they pull OOPS, forgot your write your check, or OOPS doc needs to sign it or you just wonder when you'll get it. Just SOME things to consider, but good luck on whatever you decide. 
IC - No benefits with this doc
I was total IC before. I dropped my other accounts and went the employee route for the bennies and so taxes are taken out. Now I get days and holidays off, too. That's a first. Worked 9 years 7/7, 12-14 hours a day, 3 days off a year for family.
What no one seems to realize that in my area, money is tight and so I can't charge the same as someone in a city or heavily populated area can charge. Jobs just aren't here.
Benefits
They cannot give you benefits if you are an IC. If they did they would have to turn you into employees. This is not just my opinion they are IRS rules.
My pay is okay - just no more benefits
It has become a matter of taking a higher cpl w/o benefits or lower cpl with benefits in this industry...as well as those employers who want (example) 7 years of experience for 5-6 cpl. Anyone accepting that should be ashamed to call themselves an MT. I make only slightly less than I did 5 years ago. Now I make 11 cpl on a 65 line count versus 11-12 cpl on a gross line - the difference though, is that I had paid benefits then which I don't have now. The other difference is that when I could work in DOS and create all reports into one file to send at the end of the day, I could routinely produced over 350 lph (and never, ever work more than 6 hours a day, 5 days a week!). Now that I have to work on a platform that requires individual reports being submitted, I've really taken a hit in how many lph I can produce. I still work less than 40 hr/wk, though.
I truly believe in working smarter than harder. If a company offers a platform or dictators that prevent me from making a minimum of 200 lph or more, then I don't work for them. If I can't use my abbreviations that I've built over the past 10 years, then I won't work for that company. If I can't have benefits paid by the company AND the cpl I want, then yes, I will be an independent contractor and take all the tax benefits I can. Last year, I only paid $268 in federal taxes for the entire year.
I have to work around my child as well (I am single) and I am fortunate that my training days are well behind me. I still have a good life and good income, but I am choosy about the company I will work for. When I am older and things change significantly that I make less than $40k/yr, then I will go back into coding and have a job with good pay and benefits. I can't see staying in a profession if it doesn't benefit me the way I need it to.
About benefits
After I wrote my last post I was just thinking about the benefits. I was with Keystrokes for a while and you can be an employee with them and still get the flexibility of 24 hour TAT and therefore you can get the benefits. So it's not impossible to get benefits and flexibility. I know the Keystrokes ortho accounts offer 24 hour TAT, not sure if it's all of the ortho accounts, but I know some of them do. I'm not sure if they have other specialties that have the 24 hour TAT. Good luck.
Benefits
The only "benefits" an IC gets is being able to make their own schedule. We do not get any medical, dental, retirement. We furnish our own equipment, do our own taxes, and do not get paid vacation or holidays.
benefits?
I know people who would change bedpans, just to get a hospital job because of the great benefits package. No judgement on types of jobs some of us would or wouldn't actually consider doing, but bottom line for some people is a steady paycheck and health insurance.
benefits
They do have good benefits and I did look into the kitchen job a bit more. I have not called HR yet. I guess my main point is I am surprised that the HR person did not follow through and let me know there is not an MT job. She did not indicate that when I met with her. I am also surprised that the application went to another department but if that is the way it is done, ok, fine. I do not feel I am a prima dona. I would have understood them passing the application on to perhaps the business office or something else in the medical record department. The job asked for an experienced MT so I was just responding to that particular job.
No Benefits
I'm an independent contractor and so I don't receive any benefits. The reason I stay as an IC is because it allowed me to obtain one degree, and now I'm going back to obtain my nursing degree, and so I like the fact that as an IC, I can set my own hours and that kind of thing...so unfortunately, the penalty for that is not having insurance, paid time off, etc., but I hope it will all be worth it in the end when I'm a nurse! And, I don't mind answering any questions at all...so feel free to ask.
Have a good day!
CMT benefits
Company I work for pays 1 cent per line more for CMT, also provides gift certificates for several webinars a year so does not cost me much.
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