The difference between a refi with cash out and a
Posted By: home sweet home . . . on 2009-04-08
In Reply to:
home line is there is a variable rate with a home equity line of credit. The refi with cash out finance rate is 4.625% right now.
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
She could probably sell the purse on the street for cash, then use the cash for drugs. nm
x
I just said I DON'T have the extra cash.
However, I'm not going to shop there because what comes around, goes around. If I don't support the other small businesses in my area, they won't support my business or my husband's business.
What about my cash flow problem?
She owes me for 2 weeks work.
Good for you!! We are the same as far as paying with cash.
It was (and still is occasionally) hard to be patient and save for what you want instead of using credit, but it is so, so, so worth it!! Nothing like peace of mind and not being "owned" by creditors and employers. Best of luck to you and thanks for sharing. 
Is it unheard of to cash in PTO with national?
I have 75 hours of PTO and wonder if the national I am with (starts with an S and ends with an S) would allow me to cash it in? This thought just occurred to me so will call HR when I have time to but just wondered if anyone has done this and is it an unreasonable request.
Thanks
Yeah, i need the extra cash
my husband passed away in january. I need the promotion or I have to get a second job and I thought to work at home would be good because I still have a 15 year old at home. Oh well, I was trying to get prepared, but God will provide. I'm sure it will all work out. The hospital I work for has been very good to me so I count my blessings there. Thanks!
Ew. My DH listens to Johnny Cash and the Highwaymen.
I tell him it's canner music. I've listened to AC/DC for 25 years, but I listen to a lot of other types of music, too. My kids were surprised because they didn't know I listened to AC/DC and they like it, too. They don't like Johnny Cash or the Highwaymen either. At least AC/DC isn't rap or thrash metal. (Angus rules!) My son's learning to play electric guitar and he likes all those old rock bands.
Unless you work in a bank or at a cash register,
doubt they would do a credit check. I remember telling my employer during my interview about my Ch13, explaining the surgery, the divorce, the agony...she sat there and then said "we don't do credit checks." This was at a major hospital. Background checks only.
The reason I don't tip is because I NEVER have a dime on me. I don't carry cash, ever! I don&#
debit card and it's been like that for 4 years. I use a check or credit card for EVERYTHING!!!!!!!!!!!
I havent had insurance in many, many years, I pay cash and like SM
the poster below I usually get a 20% discount, but you have to call around to find out who will give it to you. My DD had to have an MRI last year and I got a big discount on that too by calling around.
Originally, insurance was intended for hospitalization, not regular doctor visits. I dont know how it evolved into this monster we have now, but it sure has driven the cost up.
hey if you can afford it and a supervisor's approval means more to you than cash, have at it.
i want the luck of the draw. you think your supervisor is going to pay your bills when she routes crap to you and it takes you twice as long to do a report? all you do is make her look good and she gets a raise.
It's true that if you cash a check, they are no longer liable, but
with direct deposit, we are not given the choice to cash it or deny it. Wonder how that direct deposit affects that choice.
But you have learned nothing. Ever hear of paying cash for what you want, instead of financing?
Buy him a Johnny Cash CD, my kids are singing their hearts out right now to JC.
c
Hey if you have the cash more power to you. Obviously the rest of the country doesn't.
Everytime I go into a Walmart I see poor folks shopping and I never see poor folks in high-end stores with la-de-dah staff snubbing them. We just can't afford the prices independents need to charge the consumer.
Seems to be getting paid with a cash "card" instead of a check. Done at other types of
s
NEW CONTRIBUTION! $100 CASH courtesy of Meditec! Click on Santa's
/
CONGRATULATIONS! Cathy S. on winning $100 CASH courtesy of Meditec!
/
For extra cash I just started donating blood plasma SM
to BioLife, owned by Baxter. They pay about $50 a week for this (put on debit card). Does anyone else do this, and what other things like this is anyone aware of? It's not as gross as it sounds, just like giving blood, and they separate your plasma from the blood and give you your blood back.
slow periods, seek alternative extra cash? sm
Docs, like us, have busy family lives. I found that after Hannukah and Christmas (or sometimes with a break from family stuff) they "catch up" on dictation. Hopefully, this is what still happens. I have a son who is a professional and he likes to go in on Christmas Eve morning because it's so "slow" that he can get a lot of paperwork done. So hang in. Another aspect of today's world is that docs are carrying laptops now as is my family PCP and they are all doing their own notes. I think it's a "wait and see" thing, the world is changing and hopefully there is a survival tool for us somewhere. We are all being replaced by technology, sadly. Only time will tell. I was told several years ago that I should go into "scoping" which is kind of like editing, etc., you go into public stenographers machine gibberish and make sense out of it, kind of like making sense out of what comes back from India. I was offered this but refused to clean up someone else's "mess." Everyone should be thinking of alternative ways to get by, it's never easy. It's sad, as I have put a lot of time and $$$ into a profession that doesn't appreciate my knowledge. From your posts, Blondie, you have a good heart. I hope things get better for you. Try to have a happy holiday. How did you make out with those dogs you took in? Did the owner take them back or at least pay you? This may be an alternative few extra bucks for you. You seem to be an animal lover and a caring person.I don't live near you, but I would rather leave my Golden with you than some kennels around here. Thus, I do not go away if I can't take my dog. Hope things pick up for you work-wise.
I agree -- check, cheque, chex, etc. -- who cares as long as you can cash it? :-) sm
It is rather disappointing to see a bunch of professionals bickering over such a trivial issue.
I keep the minimum amount of cash in the bank. I may sound paranoid but I fully
there to be locked up. The banks are scampering around if you notice. They have written notices that they can raise your interest rate to 28% or more for just about no reason on the credit cards. I think they have let way too much money borrowed out be on the books, and now the little man is having to pay either with money, or his financial credit.
If you read about GOLD, gold is selling for a lot, all over the world, even in this supposed stable time. That's a sign they say that things aren't as steady as the powers that be want you to believe.
Do you have time to waitress? Would be fast cash if you're willing. And home health aides get pai
s
You really cannot see the difference?
When people first started coming to America, it was an undeveloped country. Aside from the Indians, there were no other people living here. What other language was there aside from what the Indians spoke? The new Americans and the Indians learned to communicate with each other and both sides learned the other's language. It only stands to reason, however, that English would be the dominant language, as they became the majority of those living in America.
Also, when our founding fathers came to America, they and the others that then followed made America what it was and is today. THEY are the ones who made America great by the blood, sweat and tears of their families. They had every right to come over here as they were the ones doing all the work!!!!! They did that work to take care of the future generations of Americans.
But now our "powers that be" in the government do not make decisions based on AMERICAN best interests, but for people from other countries. To be politically correct, we have flooded our country with people that want to prosper from OUR WORK. They do not come over here and better America in any way. They better their own little circle of family and actually make life harder for the people who belong here in the first place.
That is the difference between immigrants then and now. The more we let them in now, the more jobs we lose, the higher our bills become, the more terrorism we face. When do WE benefit??????? It has nothing to do with prejudice either. Who cares what they look like, where they are from? It doesnt matter. What matters is what they expect, what handouts they want, the bending of the rules for them while we get no break.
If you are Native American, then I would think that you would be sick and tired of having all you work for taken away from you. I know that I am.
What is the difference from QA and QC TIA
nm
That's the difference between (sm)
preparedness and no plan at all. Shame on LA officials for not implementing their own evacuation plan. Did they really believe a hurricane the size of the Gulf of Mexico wasn't going to be deadly?? If LA officials had followed their own Emergency Operations Plan, most of these senseless deaths could have been avoided.
Same difference, eh?
Don't you think there is a difference between
making a human error and being an inconsiderate pig??? Since they are responsible for these people's records they should go out of their way to be understood. But then again I guess that's our fault too, seeing how the salaries between doctors and transcriptionists (and any other health professional) are so even. Pllllleeeaaassseee. Why don't you send your docs each a Christmas gift for even letting you type their records? They'll stash it right next to all the gifts they get from the medical companies kissing their butts.
no difference
The major concern of IRS is employee versus ic.
EXAMPLE - get 1099 at end of year, you set hours, no benies - IC
EXAMPLE - get W2, punch clock, etc., employee.
As IC, you can deduct all of your business related expenses - i.e., the beauty of small business. Just you, your are a sole proprietor, use Schedule C. Have people under you - several different ways - check out IRS.gov.
There's a difference...
they have a mechanism in place to allow you multiple installs. This only gives you 3.
What is the difference
Can anyone tell me what the difference is between an LX-219 and an LX-219-1. Also what is the difference between a "Basic digital station with backlight" and a "Enhanced digital station with backlight"? Thanks!
I think the only difference with the new law is SM
now you have to complete a credit counseling class, and instead of filing every 6 years, it is 7 or 8, or something like that.
The difference is...
If you want to make more money, then become the business owner, take the risks and then you'll have the additional income. You'll never get rich working for someone else. Complaining and badmouthing management and other business owners never translates into more $$ in the check--sometimes people complain themselves right out of a job.
I know this board is an "open forum" for all topics. It's just unfortunate that so much of the talk is about how terrible management/business owners are. There are lots of good MTSOs out there!
I have never had a difference between say - sm
an OP note versus a H&P or DS, or ER note. I have seen offered diffrence in pay between clinic versus acute care work; clinic is less since it is easier. I have only ever been paid a flat rate, 2 jobs with incentive pay (.005 to .01 more a line over so many lines a day). I have 2 IC jobs now that is flat rate period, regardless of number of lines or when you work them (had a job years ago that sometimes would pay .01 more a line over the weekend but only when they got out of TAT, but that was they only time they would ever do that). Good luck finding an IC job that pays more for the more difficult reports; most likely few and far between.
Okay. That is probably the difference
We are not an MTSO, we are employees of the facility working out of our homes. I will keep track of the e-mails though as you have suggested.
I do believe though that it is more or less passing the buck. That way if it was supposed to be in there and it wasn't the doc has someone else to blame. Thanks everyone.
I don't know that there is a difference, but...sm
I wanted to keep all my things in one place so if I could send the word autocorrects to ShortHand without having to spend the time retyping them all it would be great.
Okay, but what is the difference?
What can an Expander do for me that I am unable to do with Word? (Other than spell Mickey Mouth...heehee)
thanks for the replies!
The only difference in now and then is
way "back then" they probably had a little more upbringing where they said urinate instead of the word you used. I think they called it class?
I don't think there's a difference between the 2...
I've done both and never noticed a difference, just company calling you a subcontractor instead of IC. Maybe just a preference on their part? There's obviously a difference between these 2 and being an employee.
I don't think there is a difference
no difference
I was a sub IC at one time and it made no difference tax-wise than being a regular IC. You're just getting paid by the contractor instead of the client directly.
There is a difference
I do notice a big difference working in InScribe in upload/download time and reliability. There are copies of the dictations on both ends while I work, but I can see that only getting half a file and having dial-up bomb out would not be a good thing (and frustrating, at the very least, for me). Besides the reliability and speed, it's just one of those things....it just IS a requirement. I don't think about it, just use what I'm told to use, and write it off.
There's a difference between
If you think she takes all the easy work, then you take it all one night. It will all come to fruition when that starts happening. Stop being so childish, and take the work and do it. I'm sorry, but your post sounds like a 2-year-old that is telling in the 4-year-old who took the last cookie! Maybe I'm grumpy, but my gosh, put on your big girl panties and tell 'em like it is! Karma is for people who are malicious in their intent. You don't sound malicious, but you do sound like you sort of have your nose in someone else's business. If the cherry picking is tolerated, then do some of your own cherry picking and see what happens. 
Can any one tell me the difference between...
eScription and ExText/ExSpeech. I think Dictaphone administers both, but I think their ExText/ExSpeech platform is horrible. ExText locked up at least twice a night (requiring a reboot) before I went to ExSpeech. Now that I am in ExSpeech, the footpedal freezes (requiring a reboot), and the ExSpeech platform takes a week-long holiday every month or so, so if you are a VR editor, you still have to try to make Expanders and learn the traditional authors for that little bit of downtime.
Is the eScription platform any better? My company has both, but I do not want to go through the trouble of learning a new platform and new accounts for the same crap I am already experiencing.
Sorry if I seem rude, it is just 3 weeks before Christmas, and I do not need the hassle of finally having work and the #@%$ platform does not work properly.
There is a difference between...
being realistic and pessimistic, tactful and rude. I personally prefer to offer an optimistic viewpoint and hope that she takes the advice and builds a great business. We need more good MTSOs.
Actually the difference is this.....sm
Offshoring is sending the work overseas.
Outsourcing is when a hospital or clinic outsources their work to a transcription company. :)
What is the difference
then btw an IC and an employee? I have my own personal computer and high speed internet. Do you usually have to purchase the software? As an IC do you make your own hours compared to an employee? And as an IC is this just temporary work for the company. What is the benefit of being an IC versus an employee? THX
My in-law had it, no difference.
She says she never would have done it had she known she wasn't going to see any difference. She was 68 when she had the procedure done (so definitely lots of wrinkles). Still looks the same (even when comparing pictures not much of a noticable difference at all). Based on her results, I wouldn't do it.
Don't know what the difference would be, but
I do know that self-employment (IC) taxes are higher than employee status.
Yes, one can tell the difference, but it is NOT your
job to point this out in such an nasty way!
If she did not have a sufficient MT education, sooner or later she will realize it herself.
She might be a
fast learner and will succeed.
The only difference is
that Instant Text can create the different glossaries of words, phrases, and continuations for you. You don't have to enter each and every word or phrase manually.
|
