At recent financial aid seminar, I was told...

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.

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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.

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?

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.

Michael: You've been missing a lot of work. Peter: I wouldn't really say I've been missing it.

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!

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.

Dozens killed in India terror attacks

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.

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.

Hang in there! You can overcome a chronic illness and empower yourself. It ain't easy, but doable. Been that way for 12 years now.

Just make sure you file the disability with a disability attorney. SS is very well known for denying claims usually twice, then court before they grant it. This waste many many months and tires us that are already tired, out. You need all your energy to fight the disease, not for your rights to supplemental income you've paid for all these years.

Your children will also receive dependent benefits until they reach 18, so again, get an experienced dis. atty. Hang in there

Everything that I find in the archives is old. I have already been offered a position with 1 and waiting on an interview with the other. I have chosen IC status for both because I just cannot comply with the strict schedules that these companies have now. I have tried being an employee but after 10 years of being an IC and working when I want, schedules are tough. Does anyone have any advice please?

I just finished school back in Nov. of 2005. I've been looking and looking for a job online and still have had no luck. The only response I seem to get bac from anyone is that I don't have enough experience. Does anyone have any pointers on what I should I do, or how I should approach this field? Please help me!!!

I don't know what to do anymore!!

I graduated this year from a community college which used the Career Step program in addition to some other courses. It was all done online. I have been working for 3 months, and have learned almost as much from working as from school so far. The difference is that you are doing 800-1200 lines a day so you are exposed to a lot more information. However, I don't believe I would have passed the entrance exams without everything I did pick up with the schooling.

I would definitely encourage formal training of some sort because it is such a competitive industry. I honestly don't think you could get hired from home, or pass an entrance exam without a good deal of training. The 98% accuracy they are looking for on their tests is tough to hit without very strong grammar, med terminology, and AAMT/AHDI standards knowledge. I am not making much money now, but I know within a year it will be different. I am home and that is invaluable to me!

Two decades of hospital experience here. Applied at about 6 different large companies. Some of the pay was atrocious (.07), some was fair (.08). One offered .085 but had to work the hours precisely as they demanded as an IC with no flexibility and told me up front it was an extremely difficult and high ESL account. (Now I realize that someone has to type those hard dictators, but would prefer that they be mixed in with an easier account -- been there and done that as far as an 80 percent HARD ESL account).

Of course I didn't take any of them and now I wish I had told them the pay was too low and that it was insulting. I was not tempted to accept any of those jobs. The recruiters for the most part acted as if I should be honored to be offered such a cruddy job with them!! These were all companies who advertise heavily on the MT boards and perhaps that is why they are constantly advertising.

I took a job with a very small company who has decent accounts and were eager to pay me a better wage so I know they are out there. I had interaction with 2 such smaller companies who offered good pay.

I really hate to see to see good transcriptionists take jobs that offer so little in return for our services as it hurts us all in the long run.

there is the thread about podiatry, posts about companies, posts about cherry picking, ESLs taking over, this company is the best. How many hundreds of us are on these boards??? Its a good thing we are all individuals - and there is so much work out there because one type of person could not do all the types of work. Not everyone wants to work for big corporation - not everyone wants to run their own MT service.

Some of us hate short little clinic notes, some hate long operative reports. Some love radiology, others want to type IMEs. Never work for a company that IMs you all day vs this company never gives feedback.

Where I recently worked - we always used to leave behind certain reports for the late shift person, stuff we all thought she loved until one day she complained - how come I HAVE TO DO ALL the _____ studies.. Its kinda funny- you might think someone is cherrypicking all the CT's and they think they are doing you a favor by leaving short reports.

Of course NO ONE likes the really awful individual dictators, whether it is ESL or chewers, the accounts that have a million details or QA that keeps changing. I think most of us know you have to take some bad with the good and when you TRY to do the tuff stuff, the good stuff becomes easier.

So when someone comes to vent - cut them some slack - who cares about typos here - we all know that when we are working, we use our spellchecks and pay attention to details.

When I take time to answer on this board, it is never with judgement - I always try to say "in MY experience, psych reports are bad because ..." or when I worked for XYZ company, they did not count lines correctly. You cannot make generalities about a profession as varied as this one.

I come here for information AND entertainment - it does take a certain type of person to do this work - that has nothing to do with the skills involved - and I think we share an understanding of each other, even as we argue over everything. We all saw a part of ourselves in the recently posted "You Might Be a Transcriptionist If..." and we all laughed as we shook our heads.

Sad to say I am about to make the decision to try a career change - I cannot push myself anymore (after almost 30 years) to produce enough lines to make the money I need - thats not to say it can't be done these days, just that I don't want to/can't work that hard anymore.