Fortunately on MT income, I can't afford a house expensive enough to be worried.
Posted By: from your link on 2005-11-17
In Reply to: check this link - Snow Bunny
"As long as you live in your house for two out of the last five years and the proceeds of the sale are less than $250,000 for single filers and $500,000 for couples filing jointly, you don't have to pay capital gains taxes on any part of your house."
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What? I am a low income MT, can't afford to travel anywhere.
 I can't even afford to drive out of the state...gotta fix my motorcycle.
I am not taking all this too seriously but I think your post is a little inflammatory.
Nobody expects tourists to speak whatever the native language is. I think it is reasonable for local medical professionals living and working here to be able to speak easily recognizable English since the accuracy and quality of the medical record depends on it, not to mention turnaround time. My time is valuable too. Forcing me to relisten over and over just to decipher simple phrases is not fair. And that applies to the native speakers too (who tend to rattle everything off too stinking fast and IMO just as bad or worse than ESL).
I can't afford to live in a house, just an apt. where I
:D
Webbing!!! Does anyone here hire house cleaners? They aren't really expensive.
dd
Not sure, I have deductions for federal income tax, SS tax, Medicare tax, and state income tax. ???
nm
But expensive gin and expensive cheese. I deserve it.
x
Expensive and if lost very expensive
Very expensive and if ever lost would cost me the account. Also I have several docs that are very strict about HIPAA compliance and I am sure that they would not go for this. One would not even let one of the front office gals take home the tapes over the weekend so I could pick up on Sunday and get some of it done over the weekend due to HIPAA so am fairly confident that they would not go for this. So we will see what they say when I tell them I am taking a week off. I do have some gals that will help cover, it is the accounts that hate to have anyone else do it. But I refuse to digital and take my laptop with me to do accounts. I have never and wll never do that while on vacation and they know it.
fortunately no, not a lot of snow days, but...
this school "year" we have a week off every dagum month! Except for Oct and March, I think. I feel that we are progressing towards the same year round schedule as the other poster...nine weeks on, two weeks off, etc. Which I don't know if I'll like or not. I have a 6 YO son and he needs the structure, schedule, etc. Not two weeks or a week off every time we turn around. Their first week off is Sep 5-9! How crazy is that. A week off a month after school starts. But, I don't make the rules, I just have to adjust to them. Bon voyage, summer! 
fortunately for the rest of us who dO want to discuss this,
I truly sympathize Hayseed, however, fortunately
none of my accounts contain an ESL physician. You work 3rd shift, don't you? If ever you need to vent at 3:00, let me know; I'd be glad to lend an ear.
I've found, fortunately, that
those types of people are not the "norm" in the MT world or I would have quit a LONG time. The sad thing though is they are becoming more prevalent lately, but perhaps I'm becoming jaded. I can think of only 5 truly glaring examples in the past 23 years.
I think some of these unpleasant B's are just on power trips because they have a position of "authority" (big deal - I'm certainly not impressed). I always let management know, even if they choose to be in denial or blow it off, I've at least gotten it off my chest and had my say. When I complain to mgmt. I stick to the facts/issues/dates ONLY and there is usually silence on the other end of the line (no arguments) as they are taking it all in. Funny thing though, even after numerous complaints, they seem reluctant to eliminate the offenders. 
Cleaning out the refrigerator. Fortunately it doesn't need
it every week. Hate it, hate it, hate it. I love having a nice clean, organized refrigerator though.
My husband feels the same way. Fortunately I'm a good cook but sometimes I need to get away from
I'll give it a go. Fortunately I don't have to punch in and out so getting up frequently won&
be a major issue and will probably be better for me in the long run anyway. My feet swell horribly and my rear hurts after about an hour and being more mobile will probably help those too.
You have my sympathy. I was afraid of that too, but fortunately there is plenty ... whew! sm
I hope maybe work has picked up for you later today.
My wish is that next year be better for all of us. Happy New Year! 
Good grief.. Fortunately ours is only chasing oncoming cars, so just
s
okay, now I'm a little worried....
my husband is on a boat...sort of a boat....which is docked on LA coast. He wasn't worried yesterday as he was talking to me on a pay phone, but he was also getting drenched by torrential rain.
all I can do is pray, I guess
Sorry I had you worried.
I won't let it happen again.
worried
I`m so sorry to hear you all are losing your accounts. It`s really scary, I have been looking for some type of employment since December and still nothing. I was working as a receptionist at a Independent doctor`s office and and because of lack of money and to try to safe money he joined in with another doctor in his office, which had a full staff so most of us lost are jobs. Anyway with all this happening I decided to go to MT school which starts the end of this month, but after reading all the posting`s on here of lost jobs, YIKES! I`m wondering if this is the way to go. In other words I am now scared, worried, and very concerned and just don`t know what to do.
What is going on in the health care field? 
I'm not worried . . .
Those who would bash someone for trying to question a system that is obviously not working very well are people which I refer to as sheep . . . the ones who don't want to buck the system because they're afraid of losing their way. We would still be living in caves if it weren't for those people who had the guts to question and demand accountability.
I was worried about that, too, but...
It looks like you have the option of keeping a minimum-payment land line account for emergencies. You use the same phone for ooma and land calls. You can keep your own phone number if you keep your land line. It sounds pretty amazing.
I got a little pay-as-you-go cell phone awhile back, so I suppose I would just use that to call 911 if I gave up my land line.
I'm not worried.
I'm not worried about any American MT taking my job. I'm very good at what I do. I like my employer and really don't want to be the one to subject them to some of the nasty folks on this board.
Worried?
Yes, EMR seems like the most worrisome of the threats to our jobs. But I had a client who doesn't use us anymore but does use EMR and they have not been able to get rid of their MTs because all EMR can't be done with a punch screen. There are so many variables that some of it needs to be dictated. Now if Kaiser is not dictating and just doing EMR then their records are suffering but Kaiser is an entity unto itself and it makes up its own rules and patient care is in the toilet at Kaiser.
Whew! You had me worried there
I have been worried about my job as well and tired of the pay..
I have been concerned with the MT field as well. I originally got started in this profession to be able to be at home and work when I have children. So far no kids have come along but I have found something else to do in addition to transcribing at home. Visit www.thefreshairshop.com if you are interested. :-)
I figured you must be worried....sm
I know you're worried and I don't even know you. However, knowing insurance, if you go before the insurance kicks in, they (the insurance after it kicks in) will see this as a preexisting condition and may not cover future treatment. IF you can wait 12 days (because even if it was serious, and it may not be serious, 12 days won't make any difference, outside of possibly allaying your fears). 12 days will gallop by!!! I feel bad for you because you're anxious and I'm the same way about these things. Hope you do well !!!!! 
Thank you for posting! I was so worried about
you! I am very proud of you, too! It is unbelievable and sickening, literally, how bad withdrawal is from simple pain meds. It WILL get better, I promise! And, again, we are not addicts - the body simply gets dependent on pain meds, as well as some blood pressure pills, antiseizure meds, and more. The stigma of being on pain meds can be so devastating as well, but you have nothing to be ashamed about! Please do keep us posted!
You had me worried there for a minute! :)
I make a point to take my lunch "breakette" out on the deck. or I'll go stark raving mad!
I too am worried about the future of MT BUT......
Am I the only one here who thinks this article has nothing to do with us? We ARE NOT simply word processors or data-entry keyers. This says nothing about medical transcriptionists. Just my opinion.
Yep, but they said that about XP, too, so I am not too worried anymore.
n
I'm not worried, but I guess you SM
don't see that not doing everything you can before going to a word board is really lazy, plus it abuses the poor people who do go there to help out.
I am just not worried about VR, EMR, the sky falling and on and on
If the entire medical field goes kerplunk, all you can do is pick yourself off, get another job really fast and heave ho. What else? I have had 2 jobs pulled out from underneath me and I am still here. You can make it also. No use in worrying. I lost a very profitable job to outsourcing years ago and now don’t worry about the fate of Mting.
Aren't you worried
About viruses and stuff? I've heard about this before and it seems like a fantastic deal, but I'm still a little scared that something really awful could happen to my computer by downloading these programs.
I am not worried about being underbid
most MTs are underpaid; I've seen some pretty crappy MTs and actually the really great ones are few and far between. Too many people get into MT for the sole reason that they want to stay home with their kids. They look at it as a way to work from home, and that's it. You get out of it what you put into it. But I know when I didn't make much money I didn't waste my time whining about it. If I had spent my time complaining about it like people on this board were, I would have been stuck right there where I was and I'd still be there.
Wish I could afford...
...to do that! I am SO SO SICK OF MQ!!! They are driving me crazy! I am on my 3rd MT Supervisor in three months and still have not heard one word from the latest one. They just don't care about us at all. I understand that's the nature of the biz, but my God, would it kill you just to drop an email and introduce yourself???
Wish I could afford...
my TC? sorry, what's that?
If you can afford it, go for it. sm
Just remember, if you work as an IC you may have a "nonconforming" loan which may give you a little higher interest rate. If you can document your income with pay stubs and W2s as well as income tax forms, you may be "conforming" and be able to get the lowest interest rate possible.
If your credit scores are high enough, you can always do 100% finance with an 80/20 loan which will eliminate PMI monthly payment. Your credit scores need to be 685 or higher for 100% finance.
Shop around for the best interest rate, but DO NOT let everyone pull your credit. Have one loan officer pull your credit report and ask him what your scores are. When you shop to the next loan officer, tell them do not pull your credit report, but here are my scores. Just give them your scores and ask what is the best interest rate they can give you. The more people who pull your credit report, the lower the score goes. It drops 2 or 3 points each time it is pulled by mortgage loan officers.
Also, you can buy down to a lower rate. So, if they quote you 5.75%, you can buy that down probably to 5.3% for 0.375% of the total mortgage you are borrowing (which in reality is 0.375 of 1 point).
I hope this advice helps - good luck. I say go for it! No better feeling than to own your own home.
I bought a new house last year and we just refinanced and closed on Friday. That is why all of this information is so fresh in my mind. Also, my sister is a mortgage loan officer, so she helped me a lot and explained how things work.
Always ask what your closing costs will be - different mortgage brokers charge differently. One may be $4000 and another may be $8000. That is a huge difference. Some want more profit, others are reasonable.
Best of luck to you. 
Here is the best if you can afford it.
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Which can you afford more?
The emergency room bill....or the loss of your DH?
I'm not trying to be harsh, but money concerns should not keep you from getting medical help when it is needed and warranted.
It really sounds like some kind of allergic reaction. But it may also be something harmless. I agree with the other poster about calling your MD. You cannot fool around with stuff like this.
Me too! I can't afford NOT to be an MT!
Can't afford not to
I don't know how you've figured all this out. I have spent HOURS researching all this becuase when I started with learning MT, I barely knew how to turn a computer on, so I was completely in the dark. The only thing I've been able to conclude for sure is that you will pretty much get different information every time you go to a different site. I have tried soooo many different things and to be honest, I really haven't found any one thing to be much better than another, even the things I've started paying for.
I will definitly make a block of time very soon (tomorrow?) and try your group of programs and ideas and hopefully it will help.
Sure do appreciate all your time and thought into your post(s), btw.
Whether you can afford or not SM
you are going to have to see an accountant and/or a lawyer. We cannot teach you how to be an IC or how to set up a company. That is a job for a professional and I would never give advice on either (or take advice) on a message board.
unfortunately I can't afford $99 fee
.
if you are so worried about it, why don't you call and ask for God sakes!
Why do you care? It doesn't concern you. How much money they have has nothing to do with you. The fact that she presses the media and gives a lot of interviews, lets the media follow her around, etc. is the reason why there is interest in the story. She MAKES it a story.
I don't understand why you would be upset that a mother is getting media coverage for searching for her lost child? Are you jealous of her money or something?
What kind of damage that far in? I am not really worried about
the house falling in on us. The only thing that reall concerns me is the possibility of tornadoes. When Alicia came through, she was only a 3, but she had around 30 tornadoes. That is what concerns me.
Are you worried about possible MT job market glut then? I am...
nm
meant *Aren't you worried...
Thank you both so much. I have been with MQ for 2 years. I'm worried about the new expander....
I currently use SmarType and I guess it will not switch over. Do you use the Expander that is with DQS? Do they give you directions on how to do the "standard" auto correct. My TC said if you are computer literate, you should do fine.
I really don't think any of us were worried about you stealing our job - however if we had made t
comments about how easy your profession was, how uneducated you were, how it was just something we could all do in our spare time for a little extra spending money - I think you would understand. BTW - some of us may have as much college as you do. I wasn't bashing you, but I did feel you were bashing us.
Thanks, I'm worried that my plan was going to be taking on too much nm
nm
I am not worried about what other people make... sm
What bothers me is that people post about how there wages are so low, their income is low, and it discourages the new people in the field before they get a chance to see for themselves what they can or cannot do. I just really do not see how people can not type more than 75-100 lines an hour if they are really working their job. I consistently type 350-400 lines an hour for 6 hours a day. That averages me to $35-40 an hour - which is way over minimum wage.
I'd be worried about fire issues... (n/msg)
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