Home     Contact Us    
Main Board Job Seeker's Board Job Wanted Board Resume Bank Company Board Word Help Medquist New MTs Classifieds Offshore Concerns VR/Speech Recognition Tech Help Coding/Medical Billing
Gab Board Politics Comedy Stop Health Issues

Serving Over 20,000 US Medical Transcriptionists

I only lease. I want a new car every 3 years. sm

Posted By: Leasee on 2005-12-10
In Reply to: anyone have personal experience with leasing a vehicle - advice please

After 3 years, things need fixing. I have had no problems whatsoever leasing my vehicles. You can even bargain the price and lease amount. Negotiate is the key. I always get the 0 down, 36 month leases and they work out great. Mind you, I have to negotiate hard for the 0 down, but it always works out and the sales people given in.

I am on my 4th leased vehicle 2nd year. By next year, I will be ready for a new car again.

Complete Discussion Below: marks the location of current message within thread

The messages you are viewing are archived/old.
To view latest messages and participate in discussions, select the boards given in left menu

Other related messages found in our database

I alway lease, very 3 years I have a new car. sm
I works for us. I bought 2 cars and by the time 4 years rolls around I am tired of it and want a new one. So, the better option for us is to lease every 3 years. It works great and the payment is much more affordable.

I will always have a car payment as I get tired of the same old thing after a while. So, knowing that, leasing is the best option for me.
I am with you - I lease, love having new car every 3 years. nm
We lease
It's a version of living beyond your means.

"Lease payments are much lower than buying" talk about needing instant gratification! Leasing per mile is always more expensive than ownership. You forget, at the end of the lease, you give the car back. At the end of the same $$ spent in car payments, you could sell the car and get MONEY back.

My husband is also in the car business and although he has a car that is now paid off, we've been leasing my vehicles for over 8 years. I also resent what one of the posters said about living from pay check to pay check and living beyond our means. We do not live beyond our means in any way and if we live pay check to pay check, I'm sorry we aren't as priviledged and as you and your family. You don't know everyone's situation so please don't judge those of us who don't do things your way.

oh, puh-lease. you don't have to QA here. nm
I'm sure you weren't the original "just me".  Lots of people use that as their name on here, as well as mtmt, mtmtmt, radmt, happymt, etc.  Due to the way this site is set up it is unavoidable.  If you want to post somewhere where your name is exclusively yours, this may not be the site for you.
Equipment For Lease
Hi! I would be doing part time transcription for two months and would need micro casette transcriber. Does anybody know if there is any company that lease transcription equipment. Thanks in advance.
Lease Equipment

Do you need a cassette transcriber. I bought one from ebay that works great. Think it was about $80.00 and never used it. Will sell it to you for the same. Or you can try EBAY.
my email:

Hope this helps.

I considered a lease once (sm)
but when I found out my payment would be only $1 different I decided to buy instead. My loan was for the same length of time as the lease, had no "fees" attached, and didn't require a down payment. Make sure you read all the fine print on a lease. They can determine who services the vehicle. They determine "wear and tear" when you turn it in, early termination fees (you never know), and on and on. Any little dent that might be on the vehicle will need to be repaired, either by your insurance or out of your pocket, or they will charge you for it at turn-in. Beward of leasing salesmen that call you after you have already leased the vehicle and try to squeeze cash out of you. I've heard of that scam more than once.

The only way to end up upside down on a loan is to pay more than it's worth to begin with. As soon as you drive a new vehicle off the lot you are upside down on the loan and will be for at least 6-12 months. You'd be better off buying a vehicle from someone else who made that mistake. Not a lease buy-back, but from a private individual who needs to get out of their loan and hasn't driven the vehicle into the ground in a year's time. With a year-old vehicle you can easily determine whether there are major problems with them too, unlike new vehicles where you just hope it's going to be okay. Check epinions.com and read reviews from owners who are already driving that vehicle. Good luck!
I personally like to lease and SM

decide at the end whether I want to keep the vehicle or not (I have low mileage also)...but if you have dogs/kids/heavy wear on the car (burns, stains, scratches, etc.) when you turn the car in they charge hefty fees for rehabbing the car.

I just like to have new cars under warranty, which is the great part about leasing.

System lease or buy?
If I had my own clients, wouldn't I have to make a large investment for a call in system?  Any advice on that?  Also, I did make up flyers and put them all over medical offices and I only got 3 calls and one came to be out of hundreds.
Busy MTg...quesiton for you, lease sm
I read your post that you are on DQS (all my accounts will be on DQS beginning Nov 15; right now, only a few are).

Do you use the DQS expander? I'm asking because I find it just simply dreadful and I use Instant Text, but have only been using IT for a short time and haven't gotten completely used to it.

The transition from MTShell Expander to DQS expander was difficult because the DQS expander doesn't allow for nearly as many expander keys. IT is pretty good, I suppose, but uses a completely different system so that is taking some getting used to.

Just curious as to what expander you use. My expander database is huge, but I'm having to do some major modifications for it to be used to any great degree in IT.


never heard of lease trader, thanks for the tip

I'm hoping to keep payments under 200 though, probably dreaming.

DH has been in car business forever, He says NEVER lease a car.
Do not lease. Big financial mistake for you. (nt)

To those that lease puters from MQ with DQS on them, what brand do they send you? Thx. nm
Anyone lease their vehicle? Need pros and cons please - sm
Am considering trading vehicle, and was advised because of the low miles I put on vehicles (under 25,000 miles in 5 years), that I would be better off leasing than buying.  Would appreciate any and all thoughts and things to watch out for when leasing from those of you that have gone this route.  TIA.
Suze Ormon on TV advises to NEVER, EVER lease a car. (NM)
You are correct. Developed by a transcription company, but a division also lease its use to sm

facilities.  I knew that, but had never encountered anyone who works with it in the real world who doesn't not work for the specific company that developed it.  They keep us pretty much in the dark about that stuff.

anyway, when the platform is working well, it is not impossible to make over 300 lph.  350 would be rare, and depend a lot on formatting, what you are paid for and what you are not paid for.

58, AHP/self-taught, trained at hospital 5 years, now with 2 of my own accounts for 10 years, employ
Also worn out 2 keyboards in 4 years. I will never retire. DH will come home some day from work and I'll be slumped over my keyboard. I put in 14 hours a day 7 days a week.
Pack years = packs smoked per day x years of smoking - sm
25 pack-years = 25 years of 1 pack a day, or 12-1/2 years of 2 packs a day.

I don't think pack-years applies to someone who smokes only cigars. But I don't know for sure.
I worked for Cbay for 3 years. I was also part of their lay off back many years ago. sm
Even though I got stuck in a lay off era, I still love the company. They paid well then. The people were nice (exception of 1 person) and if I had the opportunity I would go back again. Fortunately (or unfortunately - depending on how u look at it), I have a great paying job right now, so I am not looking for a change. I do know that at one time, they asked management to accept late paychecks, but never sure of the reason why. My check was never late.
I know it used to be 5-10 years back, but the laws changed within the last 2 years. They can only g
6 years legal then switched to medical 17+ years ago. sm

I don't mind doing legal and will do it now from time to time, but be prepared to be totally bored out of your mind.

At least that's the way I feel.  I love to transcribe, learned legal in college, went on to get my paralegal degree, etc., etc., but I did temp work when the kids were younger, which was about 90% medical and I would never go back to legal except for once in a while.




Only 3 years away from reaching total years for retirement
but if I had to do this and raise a family, would feel exactly like you do. The pay is terrible compared to what I used to make. I work 32 hours a week, hope to be able to continue even after full retirement age. I have worked on VR now and unless places get to where they really do not care about how their reports look, think they will need MTs. I very seldom do a report and it is 100%, just cannot remember 1 like that and most take a lot more editing. Working now because want to, not have to anymore, thank goodness!!
I dumped my ex 20 years ago, but got lucky 13 years ago

It would take me all night and pages and pages to describe what a bad person my ex-husband was.  After six years of putting up with his OCD, verbal abuse and alcohol, I left him the house, took the kids (5 and 1) and didn't look back. That was 20 years ago.

I wasn't looking to get married again, but I did.  After 13 years I only complain when hubby doesn't see things my way. :) 

My older kids, who were 5 and 1 when I left, are married and have kids of their own now.  My husband gets the Father's Day cards.  Their "real" father sits alone in the perfect little house I left behind and let him have and he drinks himself into oblivion every night because nobody is "perfect" enough, including his kids and his grandkids that he never sees. 

Sad, but true.  So glad I smartened up and got  out of there when I did.

We have been supporting other countries for years and years now.
What is the big deal.  Look at your clothes, cars, items in your house.  You will see mostly China, India, Indonesia, Pakistan etc., etc.  We have not supported our own people like we should have for years now!!!!
Only 2 in 13 years for me. First Edix for 8 and now Webmedx for nearly 5 years. nm
When I trained, back years and years ago
We did not have spell checking nor the internet (Google for instantaneous help). OMG, how did we do it? We used Correcting Selectrics with the lift-off tape to correct errors- you only had dictionaries, both English and medical, to look up things so yes we did have to learn to spell all those big longgggggggggg words.
MT: 24 years. Same company: 11 years same co. after buyout.
Grammar Question: 9 years' ago or 9 years ago? *sm*
I have a terrible time trying to remember this rule! HELP!
Worked inhouse for years and years
Inhouse transcription from 1973 to approximately 1992 and we had no downtime for answering the phones and when the physicians came into the room (or others) needing some assistance, just part of the job. I did not feel bad about doing it then and I dont see why you would either. You donít realize that probably you are making right now more than if you are outsourced, right? You have hourly salary plus incentive. Guess how many of us have that now? Probably inevitable about outsourcing so I would say just enjoy while you can. The pay our here now sinks further and further. I make, for instance, 4 cents a line for voice recognition and 8 for straight. Now, more complaining?
19 years old...married 26 years. nm
they've been doing this for years and years (nm)


People have been saying that for years and years - SM

however, I am working fewer hours and making more money. I think maybe the answer here is working as an IC for a one-owner company. MTSO was an MT for many years and she knows the secret to making lots of $ is putting your MTs doing what they do best and leaving them alone.

I don't think it is the "national" part of services that hurts. I think the low wages can be gauged by the number of suits in the company. More suits = less $.

And why pay QA? Just hire people experienced/good enough to do the work correctly the first time.

I have been doing Radiology only the last two years after several years (sm)
of acute care. I love it and find it easier although not as interesting as acute care. I was told by those who hired me that a good medical Transcriptionist will be able to do Radiology even with no experience in it. There are some specialized terms but easy to learn. I would never go back to acute care unless there were very good dictators and good sound quality.
30 (!) years; OTJ (don't think there were schools 30 years ago) nm
Years ago it was 7 years. Not certain as to status now.

10 years here, too, and making 8.4....same as i was 5 years ago. nm
Shame on me.. Am I the only one with 4+ in 2 years, but with my last one 2 years.

Lots of little "stints" in between, just trying to keep my head above water.

24 years MT, 7.5 years with the same hospital nm.
22 years, same company 10 years nm
32 years, longest was 28 years at same co. (nm)
28 years, 9 years at 1 hospital..sm

9 years at one hospital, 8 years with 2 services, then went out on my own (11 years ago) and got a bunch of surgeons and I moonlight on weekends for a national (9 years with national). 

If I knew what I know today, with how the MT business has gone down $$-wise for us over 20+ years, if I had my druthers and could start over again, I would have stayed with CODING/BILLING instead of MT work (though I love MT work) as billing/coding is still lucrative in this country....

just my 3 cents

32 years, 18 years at hospital...
7 at Medquist, 7 at Spheris. Starting at Transtech Medical tomorrow.
Do you need to have 2 years full time experience or just 2 years' experience? nm
49 years old/self taught/daughter 20 years old/self taught. I'm a CMT, and daughter is studying t
take the test soon.
I know I'm old - 30+ years as well
but I do remember specifically being told "double".  Maybe there is something to the reason being that they used to "talk good."
I'm going on 35 years of doing this

and I try to keep my goals realistic dealing with rheumatoid arthritis, etc.  I don't like to see a minimum of 200 lines/hour; occasionally can reach nearly 300 lph but depends on the dictators.  Seems the account I do now mostly has dictators from India, the ones I dislike the most.  I love Russians, Japanese, Germans, French, etc., etc., but for some reason I find the Indian accent very difficult!!!! 

I, like you, do not use expanders or "normals" etc., mostly because I'm from the old school and I type every word.  I'm sure if I used some of the crutches I could easily reach 275 to 350 lines/hour, maybe more who knows!  I keep telling myself one day I'll relearn how to do all that but right now, I don't care....when the time is right I'll know.  Mainly I just keep trying not to stress myself out too much.  I've put in my time and paid my dues and do a great job.  I'm not a young chick anymore and don't expct myself to produce these huge line counts, but believe me, I know I could if that was my wish!!!  Don't worry.....Be happy!

My Dad is gone now 10 years....
The last present he brought for me was an anniversary clock which I placed on my fireplace mantel in the center....Well that's Dad's spot because whenever I move that clock to any other spot it stops working, but the moment I place it in "the spot" it works immediately.  My youngest daughter was almost 2 when my Dad died.   After his death she would wake up and tell me "Grandpop was here last night"....I know my Dad comes around many times.  
18 years.
As an MT for 25+ years
I wouldn't recommend this profession in this day of voice recognition being on the horizon. Most of us who are doing MT are 40+ years old and there's a reason for that. Most community colleges and junior colleges no longer teach this skill. There's a reason for that. It's soon to be a thing of the past, whether one chooses to accept that fact or not, it is.

Second, this is a great job for awhile. But if you notice that over time people start to get nutzo when they've been out of social circulation too long and start to get a mean, angry edge to them. This is not a healthy way to live, sitting by yourself all day with no contact with the outside world except over the anonymous internet.

This is a great part-time job if you want or need to earn some extra income, but if you're thinking of going to school and have the time and means to do so, I suggest earning a bachelor's degree, which will open your options to many, many different possibilities rather than winding up limiting yourself to being a one-trick pony in a dying field.

I'm leaving this field within the next week - hopefully forever. I have accepted a position that's totally unrelated to MT and want to start building a resume in a profession that has a future. I've also completed my bachelor's degree, at age 48.

I'm not going to paint myself into a corner and wonder what hit me five years from now when this profession no longer exists. I respectfully suggest that you take that into consideration as well.

Best of luck to you in whatever you decide to do, but so allow yourself as many options as you can and don't lose touch with the outside world.