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Prayers and well wishes are just as important as financial help...

Posted By: MtMom30 on 2007-12-22
In Reply to: Just so everyone know, I can ill afford 50.00 but that is what life is about, helping people (inside - Piedmont

sorry you don't see it that way...


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Thank you all for your kind wishes and prayers. It is much appreciated.
You are all great!
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.


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.
Best Wishes

I wish you and your son all the best in the world and I am sure you will make the right choice and giving your son the right to make choices for himself is the right thing. To many parents today live through their children and not for their children.


My son wanted to do this and I agreed to it. Even though it is very time consuming, but at the same time it is full of rewards.


God Bless and Best of Luck


Thanks to everyone for the well wishes!
:)
Best wishes to you, too! (nm)
nm
Best wishes to you!! (nm)
nm
Best Wishes
I feel like I should point out that (in the fairness of all) the God messages should be on the relgious board, it is a little presumptious to think we all believe in God.

That said, best of luck.
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?
Thanks for the feedback and well wishes
I am preapproved for a loan but the payments scare me. I've never owned a home on my own before. I'm also cashing in my small 401k to use for it. I'm young yet, under 35, and know that that is not the smartest of ideas, but my NOT-darling, boyfriend, father of my youngest (2) (have 3 total) is prone to violent behavior. I've put up with his rantings for 3 years, NOT anymore. If I can just get through the next couple weeks .......the house is empty.....so hoping if things go okay, I can move in, maybe before closing. PRAY for me!
No problem! Best wishes!!
:-)
Can you believe it? Time sure does fly! Thank you all for the well wishes!
We're not planning to go anywhere anytime soon!
Best wishes to you on that plan, but

I have to admit that I was (and still am) an RN first.  With all of its difficulties, I have to admit that I would prefer to be an MT than return to that extremely stressful situation of RN bedside nurse.  The one good thing that I can say with regards to nursing is that the pay seems to be really good, though, and it does not seem difficult for a new grad to find a good niche in which to begin working.  One piece of advice that I give is to work towards a minimum of a Bachelor's degree and possibly move on towards a Masters degree or even a PHD, before you are 50.  Find a job that you can continue to do until older age, when your body may no longer be up to the physical stress required for direct patient care (especially when it includes lifting, turning the patient, etc.)  Get into a specialty where you can use your brain more than your muscles.  If you are not already doing so, get into an exercise program and take good care of your musculoskeletal system.  If I were not almost geriatric, I would take my own advice.  My big mistake was starting out with an Associate Degree and not continuing my nursing education.  Believe it or not, I cannot even get a job in a doctor's office, as they prefer LPNs.  I even called my state board of nursing and asked if I could get an LPN license by just being an RN and taking the LPN exam.  They told me that I would have to complete an LPN training program first, which I am not inclined to do.  I know it was a strange question to ask them, but I had to ask...Best to you..


 


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.
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.  
Like it or not, she is a legal adult and can do what she wishes.
You can tell her your opinions, but you really have no control over this. Just as you wouldn't want someone forcing you to have an abortion because they believe it's right, she likely doesn't want you trying to force her to keep it because it's what you think is right.

All you can do is be there for her if/when she needs you. Yeah, it may stink that her beliefs are not the same as yours, but there's nothing you can do about.
Awesome!!! Congrats & best wishes! (nm)
nm
Thx, not religious at all, but thanks for the good wishes! sm
I know it was meant well. Good wishes to all here. Peace.
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!!!!!!


Consider it done! Jenny is blessed to have a friend like you. Best wishes to all. nm
x
Can anyone tell me the best company to work for if one wishes to do only do op notes...sm

I have 30 years experience in MT work and for the last few years have been able to do exclusively operative notes which is what I love.  I have been very happy with current company but have to start my work day early in the a.m. and now my account has been overstaffed to the point there is no work in the morning.  While there is plenty of work late in the day, there is nothing in the morning and so I feel I must look for another company for at least part time op work initially and if it works out I could go full time.  I have left my email address so please feel free to contact me.  Thank you very much for any help you can offer. 


Thanks for the good wishes, everyone. Happy Easter!
nm
How is your daughter doing now? My thoughts and best wishes go out to you and your family - sm
I have a 5yo daughter and I cannot imagine what you must be going through. Hope everything is better now.
Cool staff. Thanks for the warm wishes.
Hope everybody here had a good Mother's Day.
Thanks for your response and good wishes! I'm lookin' :)
x
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.


I just wanted to send best wishes and luck to you and your family. nm
nm
Thank you for your prayers.

We've never even actually met him in person, but he is my husbands best friend's only sibling and my husband's friend was going through such a horrible time waiting and wondering that he couldn't even go to work. We only wish everybody could have good news.


Thanks again.


Thanks, I need all the prayers I can
get! LOL.
asking for prayers

I just learned that my boss's daugher-in-law and grand-daughter were involved in a horrendous car accident. The DIL suffered many fractured bones, on top of a pre-existing MS condition. However, the grand-daughter may die, and even if she survives she will likely have severe brain damage.

Can those of who you believe in a high power keep this family in your thoughts and prayers?


PRAYERS

Just e-mailed your request to my church who has a prayer group that meets everyday and prays for the requests that are sent in.  Have also sent a few of my own on the way.  Hope all works out. 


Patti


I will keep them in my prayers
nm
definitely in my prayers
Praying that all things go well; though we have no control but faith and prayers go a long way.
Prayers

Please let them know that my prayers are with them, knowing already that God's healing work is with them already.  Thanks for letting us know.


Blessings


Maggie


You are in my prayers

You are in my prayers and hopefully someday the resentment and bitterness will be gone from your heart.  Good luck in your life. 


Prayers going your way..........
and/or in my case, I'll be sending good vibes. (Old hippie here.)

Good luck, hon. Please let us know what happens. And....please know ya got somebody listening, okay? Let me know if ya need someone to talk to, or just listen. I'll be online all night. This cannot be easy, I know.