Actually, you can put a block on your credit report that
Posted By: credit report block on 2005-11-19
In Reply to: Excellent! - Idea - Misha
NO credit card companies solicit you at all. Look up the three credit reporting agencies online and see what their websites say. Experian, Equifax, and TransUnion. I don't get any at all except from American Express to my old business name.
As for the automated phone systems, I just push zero a bunch of times until I get a human. Impatient, I am!
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great website for credit and credit cards, interest rates
great website
Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
CREDIT, everyone is living on credit, and from what I see
with a rather, 'might as well, we have no future' kind of attitude.
our credit cards are maxed out, we are buying gas, food (which I swore I would never do, how stupid - all that interest for food, yuck!), paying bills, and we would not have survived without them. now they are maxed out, and we are not making one bit more than we were.
glad things must be going so well for you, but look around in your own neighborhood.
the gap is closing between rich and poor. like it is in somalia, for example.
call us doomsdayers, but I call it protecting our own interests.
why is it the only people who are supposed to care about themselves are the rich?
H&R Block
H&R Block always. The one time I didn't use them, I got audited and ended up having to dish out almost $3k in taxes & penalties.
best to have a brief consult with a CPA and I don't mean H&R Block
there are always a little bit of difference from state to state and where you live regarding a business license etc. Try to find a CPA that specializes in small businesses, especially if you can find someone who perhaps has other MT's for clients? The gist of an IC is you do not have an employer, so you do not have someone to withhold taxes for you. The thing that always throws IC's is the tax withholding stuff. They have a great fear about it. This is where the CPA will help you out a great deal so you can base decisions on facts, not fear.
You will have another form or to to fill out at tax time (Schedule C, etc.) and next year you will have to do quarterly payments, but it's not that hard.
Who Must Pay Estimated Tax
If you had a tax liability for 2005, you may have to pay estimated tax for 2006.
the IRS has a nice site for small businesses, use the link below. any specific questions, feel free to email me.
Get an accountant...even H&R block will do.
I made the mistake of doing the taxes myself one year (TurboTax)and ended up getting audited for that year 2 years later. Luckily it only cost me $1200 but I'm sure it could have been much worse. I just go to H&R Block. At least if I get audited again, they'll handle all the work AND pay my fine if it's something they messed up on.
Here red this....H&R block was the one who told me about it first.
Top 10 Oddball Tax Deductions
TurboTax has outlined some outlandish tax deductions to help you increase your tax refund. We've uncovered what we think are the weirdest deductions allowed, from pet food to free beer to (we're not kidding) a girlfriend.
Can I deduct?
Admit it. As you've worked on your return, trying to come up with extra deductions to pump up your refund, you've taken a few flights of fancy. "Can I claim a deduction for all those blood donations at the Red Cross?" Nope.
"How about a charitable contribution for all the time I donate to the church?" Nope, again. "The wedding gift for the boss's daughter as an employee business expense?" Come on! On the other hand, over the years your fellow taxpayers have beaten the IRS in court on payments for many crazy things that most of us wouldn't even dream of claiming. We've uncovered what we think are the weirdest deductions allowed, ranging from pet food to free beer.
1. Pet food
A couple who owned a junkyard was allowed to write off the cost of cat food they set out to attract wild cats. The feral felines did more than just eat; they also took care of snakes and rats on the property, making the place safer for customers. When the case reached the Tax Court, IRS lawyers conceded that the cost was deductible.
2. Moving the family pet
If you are changing jobs and meet a couple of tests, you can deduct your moving expenses — including the cost of moving your dog, cat or other pet from your old residence to your new home. Your pet — be it a Pekingese or a python — is treated the same as your other personal effects.
3. A trip to Bermuda
This island is more than just a scenic place to visit: It's a great place to schedule a tax write-off. Business conventions held in Bermuda are deductible without having to show that there was a special reason for the meeting to be held there. That's a sweet perk.
Other countries in the Caribbean region qualify, too, including Barbados, Costa Rica, Dominica, the Dominican Republic, Grenada, Guyana, Honduras, Jamaica, Saint Lucia, and Trinidad and Tobago. Meetings held in Canada, Mexico and all U.S. possessions also receive this favorable tax treatment. Attend a convention in Paris, Rome or Beijing, though, and there's no deduction unless you can show it made as much sense to travel abroad as to head to Pittsburgh.
4. Body oil
A pro bodybuilder used body oil to make his muscles glisten in the lights during his competitions. The Tax Court ruled that he could deduct the cost of the oil as a business expense. Lest it be seen as a softie, though, the Court nixed deductions for buffalo meat and special vitamin supplements to enhance strength and muscle development.
5. A private airplane
Rather than drive five to seven hours to check on their rental condo or be tied to the only daily commercial flight available, a couple bought their own plane. The Tax Court allowed them to deduct their condo-related trips on the aircraft, including the cost of fuel and depreciation for the portion of time used for business-related purposes, even though these costs increased their overall rental loss.
6. Babysitting fees
Fees paid to a sitter to enable a mother to get out of the house and do volunteer work for a charity are deductible as charitable contributions, even though the money didn't go directly to the charity, according to the Tax Court. The Court expressly rejected a contrary IRS revenue ruling.
7. Breast augmentation
In an effort to get more tips, a stripper with the stage name "Chesty Love" decided to get breast implants to make her a size 56FF. A female Tax Court judge allowed Chesty to write off the cost of her operation, equating her new assets to a stage prop. Alas, the operation proved to be a problem for Chesty. She later tripped and ruptured one of her implants.
8. Landscaping
Sole proprietors who regularly meet clients in a home office can deduct part of the costs of landscaping the property. The deductible portion is based on the percentage of the home that is used for business, according to the Tax Court. The Court also allowed a deduction for part of the costs of lawn care and driveway repairs.
9. Free beer
In a novel promotion, a gas station owner gave his customers free beer in lieu of trading stamps. Proving that sometimes beer and gasoline do mix, the Tax Court allowed the write-off as a business expense.
10. Swimming pool
A taxpayer with emphysema put in a pool after his doctor told him to develop an exercise regimen. He swam in it twice a day and improved his breathing capacity. Turns out he swam in the pool more than his family did.
The Tax Court allowed him to deduct the cost of the pool (to the extent the cost exceeded its added value to the property) as a medical expense because its primary purpose was for medical care. Also, the cost of heating the pool, pool chemicals and a proportionate part of insuring the pool area were treated as medical expenses.
Bonus Oddball Deduction
A girlfriend. The owner of several rental properties hired his live-in girlfriend to manage them. Her duties included finding furniture, overseeing repairs and running his home. The Tax Court let him deduct $2,500 of the $9,000 he paid her. The disallowed portion was for nondeductible personal services.
Updated for tax year 2008
Now H&R block did specify in their tax rules that....sm
The animal had to be a dog and be over 50 pounds in order for it to count. I am taking advantage of everything that is legal as they have screwed us over long enough.
yeah, me too, get about 20 a day anymore - block them - sm
that is what I do....granted a new crop comes in the next day, but I just keep blocking away. What is weird is I used to get a couple a day, now about a week or so ago it just went crazy and jumped to as you say 15-20 a day. I really don't want to change my email address either, so I guess I will just keep doing as I am doing, or else turn my Spamkiller back on.
You can block that number from reaching you.
They will block the number but not tell you who it is.
Call them right after a phone call comes in that is a hang up. Apparently, this happens a lot since SBC has an 800 number for this request.
Our block has parties a lot that go well into the night. sm
They have even had a couple of bands come and play. This was a problem last year for me because I needed my sleep and worked weekends. This year, it will be nice since I now work nights. For a short street, it is really lively.
Been around the block lots of time but tell me
what is padding? I have worked in this field for over 30 years now. I have very good speed and regular typing I could do at least 2000 per day. Now with VR and straight combined I do about 3200 per day. My audio will not go that fast in order for me or anyone to do 1000 per hour. The most I have done in an hour (without having to slow the machine down, listening only) was about 600. It cannot be done with my audio system, totally impossible as fast as you can set it.
I've used H&R Block TaxCut
on-line mainly because over the years I've needed "people"  to help with questions on tax issues that were a little complicated, especially last year with a move, partial-residence state taxes, sale of home, etc. I've not had any complaints with it. I paid for the highest service last year so I had unlimited access for questions, and the guy was really great, reviewed and signed the tax returns and actually called me with some questions. I've considered going to TurboTax though in the future because so many seem to like it, just haven't made the switch since I've got everything stored with TaxCut so far.
Yes, they can selectively block sites...
I worked for a company who did that. They had a list of approved sites that we could access, such as onelook, rxlist, physician search sites, E-mail, etc. They would also allow the MTs to put in requests for sites we thought should be added to the "allowed list."
Be careful doing that unless you somehow block out the pt name - could be illegal. nm
?
A friend of mine also had a bad experience with H&R Block
nm
How terrible. They can now block off the tear duct to
help keep moisture in the eyes. I had the temporary one put in and it really did help. I had one eye done and am not happy but I do not have the problems you do. It is so hard to know if you will be in that small percentage with bad results. I hope something is found to help relieve or correct some of the problems you are having...good luck and best wishes.
Preferences? Setting up NP with Doc signature block
Need to set up nurse practitioner dictator with Doc signature block, think I know how it should be set up but it's been awhile. Any current examples or preferences of how anyone likes to do this? Thanks.
You do not need the 1099. You just need to report the income. Report the company/person ...sm
to the IRS for not sending out the 1099.
Great idea. Thanks. I've had a mental block on
nm
Can an employer use software to search what is on your computer and how can you block this? (sm)
When an employer downloads their program onto your computer can they put software on it so that they can get into your computer and see what is on it, such as folders, files, etc? If so, is there any way to block it? This just popped into my mind the other day and I was wondering about it. 
I charge the same amount for a "normal" report as for any other report.
You still have to listen to the dictation and change anything that's different. I had one woman try to pull this on me. She'd dictate, "Just pull up my normal, but change this, change that, switch that around, move that, add this, delete that, and change the other." Then she'd only want to pay me what equated to $.03 per line. She wanted 1:1 on her dictation to transcription ratios. I told her to take her cheap account down the road because I'm worth more than that.
Unlisted number, caller ID, and block unknown callers.
I think it's *67 to block unknown callers and *69 to find out last unblocked caller. There is another key combination to press when you want the phone company and/or police department to trace nuisance calls. You can fight this. Public edcuators have it rough. First, no respect in the classroom, then these punk kids think they can mess with you at home. Fight back. Escalate it to police chief, mayor, and supervisor of the phone company if you're getting nowhere with the lowly peons.
No credit card is a good credit card.
Just kidding. I'd suggest not using credit cards to pay debts. It'll only dig you in deeper. Look into a signature loan or putting a lien against a vehicle or house. Lower interest rate, pay off sooner.
Oh, a report just came in. A report actually just slid in, can you believe it. Hip Hip Hooray. I
had better get that sucker typed before it gets out of ONE MINUTE TAT.
If you are careful with putting the correct report in the correct report shell and patient, you will
not have any problems. I only take away this option when someone is careless. There can be NO room for error on this. One mistake can be very serious. Many do it well though, so just double check and you will be fine.
They will put this on your credit
Please get them to explain to you that this does affect your credit in a similar way that a bankruptcy does. After having this explained to me, I filed a Chapter 7 and was done with the problem...no payments to anyone (other than the attorney).
I was able to immediately (upon discharge 3 months later) get secured credit cards and purchased a new vehicle after 12 months. Best move I ever made.
credit
www.creditboard.com
Cars and homes can be purchased 1 day out of discharge.
thanks, but the credit goes to......
the--ahem--offshore MT who actually transcribed this. I don't think it's an urban myth.
getting credit for CCs
I guess really I don't care what the client wants, necessarily, I just want to know if we get paid for those Keystrokes if we do have to add physician names and addresses to the CCs.
Give yourself some credit.
nm
consumer credit
i don't know about them, but CAmbridge is a good one. They pay the creditors on time and are always in follow up with you. They do, however, charge a fee but it's not too great of one.
Consumer Credit
I talked with them and there was a HIGH fee for them handling my payments. Too high for me. I talked to the credit cards directly and worked with them. I think my payment to CC would have been about $70 a month. Also through them, the interest rate was lower, but the payment was higher as they do a percentage of the balance. But now that the credit cards are doing higher minimums, more people are going to be in this situation. I did go throught Trinity Credit Counseling and my fee to them was only $25. So you need to check around.
Just my two cents worth.
Credit not way great...sm
I have a pre-pay credit card; it's a Visa. The bank account, well, we don't have one, but I could give my mother-in-law's; she let us deposit in her account before, no problem. This is such a great idea. I hope this all works out. Thanks for the info!
credit cards
Don't charge unless you can pay the piper.
credit cards (sm)
Yes, this is what I am referring to. I have been receiving these notices in the mail lately basically stating that the credit card companies can do whatever they want, i.e., raising interest rates, miminum payments, etc. This was attached onto the new bankruptcy bill that was passed in October. These changes will take effect I believe in Jan 2006. I am getting rid of all of mine. I have a good FICO score of 765 and have opted out of these new changes with the intent of paying off these cards. Hope everyone else is paying attention. Happy Thanksgiving!!
Credit card? I'm not sure either.
NM
Credit counseling
Yes, it does go on your credit report. I explained this to my banker that I had not had a problem before in paying my bills, just that I had too many. My banker reviewed my payment history and still approved the loans I requested. Each case is individual, and going through credit counseling may or may not affect your ability to get loans in the future.
Then, do not get any more credit cards,
bank in this country, go to the doctor at all, have insurance, buy a Dell computer, or do any customer service calling. Boycott .. look around they are everywhere .. ;-)
Credit checks
I totally agree. One's credit is personal bussiness and should not be a deciding factor of one's employment. I had several jobs fall through because of credit problems that I did not cause. My Identity was stolen some 15 years ago and I also had a child abducted. I have spent the last 10 years searching for both, my child and my life. I can live without my life, however without my girl I am finding each and every passing day harder and harder to live. MY credit score is now in the upper 600's (took 6 years to fix) which is not great but heading in the right way.
So to all you EMPLOYER'S, LET ONE WITHOUT SIN THROW THE FIRST STONE
credit reports...
So true, it is across the board just about. My daughter applied at a dept store yesterday and had to agree to have one pulled...and she's only barely 16!
I can see it in one way, but just isn't fair in so many more ways...same with insurance rates being higher because of a poor credit rating. Just another way to *get us*...!
Credit consolidation
I just finished 5 long years in a debt management program. I just wanted to let anyone know if they are in debt and don't know where to turn to try careonecredit.com. It has been great and I would have never been able to do it without them. When I started it seemed like there would be no end, now the day is here and I'm debt free. It just really feels so good.
Credit Check
I have never had a credit check done in my experience in applying for a hospital job, so I would not worry.
That's horrible. An MT should get credit
for the finished product - that is what you are responsible for - and what you should be paid for - anything less is crappola.
Credit ratings
They are probably going by your credit rating. If your credit rating is good they will put your name on the mailing list. You might want to call Citibank and ask them to take your name off the list so you won't continue to get offers.
You do not get any credit for the signature
line, patient demographics, carbon copy lines, etc. Some of this info may not take a lot of effort on your part, but it still will take a bit of input for which you will not be paid. These saves lines add up at the end of the day, thus saving the hospital tons of money. It makes you wonder what will be cut next to save a buck?
Block her E-mail, return mail unopened
On AOL I can determine who I want to receive mail from and block those I do not -- and if they are blocked they get their E-mail back as being "undeliverable". If she sends things out -- send back --unaccepted. But to be simple just E-mail her back or call the recuriter if you don't want to deal with her directly and state -- leave me alone. If she is in another state you should not be scared of her but you may simply have to put it out there in no uncertain terms.
Geez, at least give her credit for trying. At least, sm
if didn't work out and she had to go inhouse, at least she could say she tried. No harm in that, at least that is my opinion.
Are you asking if your line count credit is
"a fact of life" for 3rd shift? I doubt seriously any company credits lines by the "shift"...it is probably by time completed/uploaded. The new day doesn't begin until 12:01 a.m., so work completed before 12:01 a.m. is on the previous day. Makes perfect sense.
Now, if the question is that you are still awake and is that a fact of life for 3rd shifters?! Hahaha I cannot work 3rd shift. WAY to hard on the body. The equivalent of smoking a pack a day in cardiovascular risk factors!
My hat's off to you for doing it!
RE: Consumer Credit Corp.
Are they the same as Consumer Credit Counseling Services? You might want to check with this service in your city. I used CCCS many years ago, and they were very helpful. They were very strict with budgeting, but they explained everything before I agreed to their requirements. I also attended classes when I could. They also have a toll-free number: 1-866-331-2227. Hope this helps.
How do you rent a car without credit card?
I only use my debit card now. However, how do you rent a rental car without a credit card?
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