Hardest lessons to find out after BK
Posted By: LiveandLearn on 2006-06-29
In Reply to: bankruptcy (sm) - anyone filed now or before new laws?
I thought health insurance was too expensive when I changed from employee to IC. I had emergency surgery and afterwards lost everything when I could not pay the bills.
First, sit down with every debt you owe and categorize everything - credit cards/loan companies/nonsignature debt/mortgage/car/medical/taxes, etc. Each type of debt has a different relief route typically. These are things to expect: Whether you enter a credit counseling program or BK, credit score will be damaged for years - how bad is relative to what you attempt to obtain credit for in the future. With BK in particular, depending on what state you live in, most major insurance companies will not sell you a home owner's policy until BK is discharged in 7+ years. You may also have increased car insurance rates. Depending on your personal circumstance, you need to check with your insurance companies. For instance, Nationwide will not sell the homeowner policy until after discharge. You need to ask whether your state uses credit for car/home insurance rating. Earlier posts are correct - student loans, Federal and State taxes are exempt from BK laws - if these are part of your debt from past years, you need to talk to both your state and the Fed about your options which might include an offer in compromise. If your student loans are just coming due, you need to talk to the company about options. If you have older student loans, most can be deferred with added interest and penalties. Some employers are now running credit checks in the application process - yes they can and will use that information in the hiring process.
The "new" BK laws mean that your debt will be reviewed and if you can pay back a portion, you will be required to do so - but this is major legal mumbojumbo, so my ultimate advice - do your homework and find the best BK or debt relief attorney and pay a consult fee before you make any drastic moves. They may try to 'sell' you a BK filing (obviously, that's how they make their money) but you need to pick their bones for all the info they can give you relevant to your state.
Lastly, 35k of debt with 35k of income is doable but you would have to knock your school time down to nominal or put it on hold altogether for a while to avoid BK and not assume any further debt. Whatever happens, do not let your medical insurance slide or any other policy which safeguards long-term- it may seem worth it up front but I can tell you it is the single worst decision you can electively make. Best of luck to you.
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which accent do you find the hardest to transcribe?
I do okay with Oriental, Greek, Indian, most European accents. However for some reason when it comes to Spanish docs, forget it !  It just sounds like gibberish to me.
Corporate Lessons.
Lesson 1:
When the human body was first made, all the parts wanted to be " The Boss."
The brain said, " I should be Boss because I control the whole body's responses and functions."
The feet said, " We should be Boss as we carry the brain about and get him to where he wants to go."
The hands said, " We should be the Boss because we do all the work and earn all the money."
And so it went on and on with the heart, the lungs and the eyes until finally the asshole spoke up.
All the parts laughed at the idea of the asshole being the Boss. So the asshole went on strike, blocked itself up and refused to work.
Within a short time the eyes became crossed, the hands clenched, the feet twitched, the heart and lungs began to panic and the brain fevered.
Eventually they all decided that the asshole should be the Boss, so the motion was passed.
All the other parts did all the work while The Boss just sat and passed out the shit!
Moral: You don't need brains to be a Boss - any asshole will do.
------------------------------------------------------------------------------------------------
Lesson 2:
A turkey was chatting with a bull.
"I would love to be able to get to the top of that tree," sighed the turkey, "but I haven't got the energy."
Bull : "Well, why don't you nibble on some of my droppings? They're packed with nutrients."
The turkey pecked at a lump of dung and found that it actually gave him enough strength to reach the first branch of the tree.
The next day, after eating some more dung, he reached the second branch.
Finally after a fortnight, there he was proudly perched at the top of the tree.
Soon he was promptly spotted by a farmer, who shot the turkey out of the tree.
Moral: Bullshit might get you to the top, but it won't keep you there.
----------------------------------------
Lesson 3:
A crow was sitting on a tree, doing nothing all day.
A small rabbit saw the crow, and asked him,"Can I also sit like you and do nothing all day long?"
The crow answered: "Sure, why not."
So, the rabbit sat on the ground below the crow, and rested. All of a sudden, a fox appeared, jumped on the rabbit and ate it.
Moral: To be sitting and doing nothing, you must be sitting very, very high up. !!!
Corporate Lessons
Sorry forgot this one!!! 
A little bird was flying south for the winter. It was so cold; the bird froze and fell to the ground in a large field. While it was lying there, a cow came by and dropped some dung on it.
As the frozen bird lay there in the pile of cow dung, it began to realize how warm it was.
The dung was actually thawing him out! He lay there all warm and happy, and soon began to sing for joy.
A passing cat heard the bird singing and came to investigate. Following the sound, the cat discovered the bird under the pile of cow dung, and promptly dug him out and ate him!
The morals of this story are:
1) Not everyone who drops shit on you is your enemy.
2) Not everyone who gets you out of shit is your friend.
3) And when you're in deep shit, keep your mouth shut
We have English lessons here at my home
I can talk because husband is black and I am white. He absolutely (as I have seen with other blacks) does not know most of the time should he use was or were. This is not just him. I kid him and wanted to know if he missed the English class the day they discussed was and were. Sometimes he does not know which to use so he combines them. I know ebonics and I do not like and yes find predominantly black. My step-grandchildren black and when they lived at my home tried my best teaching them how to speak isntead of ebonics. If you get a decent job besides McDonalds most places want it. Their mother, who did not speak good English at all, called them trying to speak white. I call it trying to speak like you have good background and know how to use English. I can speak- been both places. Now call me prejudiced.
Mine's a classically-trained pianist/ jazz trumpet player/music teacher (private lessons), right
xxx
Hardest for me are the NE (i.e., RI, NJ and the like)
Shoot, I used to date a guy from NJ and almost fell over laughing when he asked me out of "cwaffee" LOL.
I'm a Texan too :-)
One of the hardest, IMO
Been doing oncology now for 17 years. One of the hardest parts is the drug regimens.. and they are ever changing, such as the protocols and study drugs. The next hardest for me is understanding the chromosome analyses. I've got some really good websites I could share with you if you would like. Best thing is to have good references and websites.Good luck in your decision and just post here if you need websites.
Yes it is one of the hardest things to do.
:(
I think this is sometimes the hardest part
of the job, that it is at home. I did it out of house and I enjoyed it more there, maybe I was a little less productive but I am a social person. I had to adapt and it has been hard. I am forcing myself out more but there are weeks when we are on cut off when I don't leave for 3 days, feel like Howard Hughes sometimes. hahahah.
The hardest is whatever you aren't
used to. Discharge summaries have a lot of drug names, but the good thing is that it is the last report dictated (ideally), and with with many systems you can see the earlier reports for drug names and other terms.
I would say some of the most slurred dictation happens during the physical exam section of the H&P, but if you can see the dictator's previous reports are viewable, you can make normals. Lots of times they say the same thing every time, so that's an opportunity to use a normal and save yourself keystrokes.
So these are some reasons there are no pat answers.
first night of each week will be hardest
The first night of the week you work is always the hardest, especially if you have slept a normal night. Try to get a nap that first night before you start your 3 days. I always kept caffiene pills (like No-Doze) handy. I didn't take them often but once in a while they would come in handy just to get me through the night. Also, take a shower before you start as if you are starting a regular day. If you get enough sleep during the day after your shifts, you shouldn't have too much of a problem. My problem was I neve was able to get very much sleep, which is why I had to rely on the caffiene pills at times. For some odd reason when you work third shift you don't seem to need as much sleep either. Good Luck.
Think oncology is one of the hardest specialities.
vv
Agree...Hispanic is the hardest!
I've done everything from Indian to Asian and never had a problem with those...but Hispanic accents always throw me for a loop. For instance, I have one MD now that pronounces "violation" as vee-o-lit-on. Took me forever to figure out what she was saying not to mention her grammar was horrendous!
Oncology - by far is the hardest for me. New protocols every day to learn. nm
x
Op reports by far are easiest for me - hardest is Oncology. nm
x
I love the Asians, because they TRY the hardest, and it usually comes out funny. nm
x
Hardest thing was marker keys
But after about a week, I got the hang of them. Actually, that is THE thing that makes IT worthwhile for all the other features. Just choose keys that are easy for you to use.
Also, I used the expansions I had at the time from the old Expander and created a glossary from those, so my familiar expansions were already there. Once I got the hang of the marker keys, then I started utilizing more of the features.
I love my IT!
My hardest was a woman from Spain - very, very fast! NM
x
Hardest: Dental surgery. Easiest: Cardiology, OPs. sm
Most interesting: Psych.
I think it's generally whatever you get the least of that you'll find the hardest. I used to hate OPs, GI procedures, and cardiology, but eventually got used to them and found they are repetitive (aka good money makers!).
In all fairness, it is a known fact that English is the hardest to learn sm
How many Americans say BP was 120 SLASH 80. Slash? How about over?
With ESLs we have no idea what their native language is like unless we speak it. It may be 120 by 80 for them and they are translating.
I don't know about you, but growing up my plan was to be a translator for the UN. To that end, I took Latin, Spanish, French, German and some Russian. I was a straight A student in these, but I have to tell you, it was not easy. All of them have "gender" to every noun which in turn governs the formation of adjectives and pronouns and even such things as "a" or "an" take gender. Sometimes even verbs take gender. English only has remnants of gender (a boat is a she, as an example).
There are also plenty of ESLs who speak more than two languages and English is only one of them. That adds to the confusion for them because gender isn't consistent. One language may have a male moon and a female sun, while the other is the opposite. In German, the verb needs to be the second word in the sentence and comes before adverb. The above languages frown on more than two adjectives for a noun, whereas English doesn't care. In English you can string together many adjectives if you want to, but this would be considered linguistically incorrect in other languages. Verbs have declensions and by and large, the cases stay the same across the board. English just think of eat, eaten and ate as an example of an exception and we have many such exceptions.
I catch myself saying that English is spoken just as it is spelled...well sometimes, but laugh isn't spelled laff.
Oh and you gotta love UK doctors...eeestroh gen spelled oestrogen comes to my mind.
ESLs can be incredibly frustrating. I know this, I have recently worked on an account with 80+% ESLs, most of whom were rather poor as they go. The fact remains, you have to either find yourself a job where there are no ESLs, which is becoming increasingly difficult, or learn to live with them. Some of my very favorite dictators of all time have been ESLs, partly because I struggled with them and when it just "popped" in my head they were easier than most Americans, and oh so redundant, they made me a lot of money with normals.
I will say that I believe that more money should be paid to MTs when the account is very heavily ESLs because they take a lot more time.
Poll - what do you think the hardest accent is? I vote Hispanic. nm
/
Poll: hardest and easiest work types. I enjoy...
orthopedics and psychiatry. Do not like cardiology, oncology.
I just left after 16 years of marriage. Hardest decision I've ever made, but something that I ha
My husband doesn't want to work. Never has and probably never will and it took me 16 years to figure out that nothing was ever going to change. He has been in and out of college over the years with a number of different majors and when he is on the verge of actually finishing something, he up and quits, because I believe he doesn't want to actually go out and get a job. He loves the going to school part, the studying, etc., but the actual finishing and putting his education to work, that's too overwhelming.
For years I made excuses for him, supported him, and actually believed that as he got older he would mature and finally find his way. He's 42 now and runs off every day with one of his unemployed friends to play frisbee golf or go hiking or water skiing or fishing while I'm sitting at home at my desk typing until my nose bleeds!
I was one of those women afraid of being by myself. I recently had a major depressive snap where I cried nonstop for three weeks. I found a great doctor who became a great friend and she helped me find the right medicine to get my head clear and then she helped me realize that I don't have to be afraid of anything. I was already supporting myself and my kids without anyone elses' help. What was so frightening about leaving my husband behind?
So quietly I made my plans to leave. I let my husband know that I was going to move back home to the area where all my family still lives when school let out this summer. He didn't believe me because I had said it all before. So I just made sure he knew I was thinking about it again. Then May came along and miracously a job opened up at the hospital in the small community I wanted to move back to. This hospital never has openings because they virtually have no employee turnover whatsoever. Everyone's been there at least 5 or more years. I took it as a sign and made my move. Within two days of submitting my resume, I had an interview set up. Without even waiting to see if I had the job, I packed up my kids and our stuff and told my husband "I'm going. I love you, but if you want to be with me you need to get a job and actually be my partner not one of my kids." And I left.
I got the job, thankfully. I've been here a month and I know without a doubt that it was the best thing I've done in a long time for me and my kids. My teenage son had built up a lot of resentment towards his father and their was a lot of anger and tension between the two of them before we moved. Now, my son is happier than I've seen him in years. He's more social, made a lot of friends, and even has a girlfriend now. My daughter misses her dad, but she has always been remarkably wise for her young age and is very open about saying how calm everything is up here.
So there's my story. I would never encourage anyone to divorce or leave their husband, and I haven't actually taken the step to file for divorce yet myself. But sometimes separation is liberating and therapeutic. It has been for me. I can't remember the last time I felt so peaceful.
go to chat room on web site and find out. i'm working but if you find out, let me know.
creepy dude.
I find most of my abbreviations here. Scroll all the way down until you find the abbreviation box.
http://www.mtchat.com/frame.php?frame=message
I didn't find an 800 number, but I did find this number...
1 650-253-0000
I find that if I ....sm
get over-tired I'll have more problems with palpitations than when I'm well rested. I also have them more if I've been taking in more caffeine. While these palpitations are harmless they are annoying, aren't they?
So find a new job already
It's your own fault if you stay and put up with it. Complaining doesnt change a thing. Find a new job, we have all done it!
Did they say why? Did you ask? Did you go find another job?
Got me, but when you find out
please let me know too. I've had that in the past and it's freaky. The phone company couldn't even tell me where they came from!
find it odd??
There are many countries world-wide including Cuba and Iran that have offered help. Many celebs have pledged millions too.
Can't find out anything.
If I hear "Corporate says" one more time, my head will explode. It's like they lost the ability to think on their own and are robots. makes me mad
Can't find out anything.
If I hear "Corporate says" one more time, my head will explode. It's like they lost the ability to think on their own and are robots. makes me mad
Hey - Tell me what you find out! THX!
no message
How did you find this out? sm
Was there a story on the Web or do you know a Phillips executive or what? Just curious.
I FIND IT
THE PROBLEM IS THAT YOU ARE PROBABLY OLD AND MENNONITE AND ARE JUST A DOWN RIGHT MISERABLE PERSON.........GO AND CRAWL BACK INTO YOUR HOLE YOU BIG OL' GRUMP!
Maybe you should find something else right now
and if you're unhappy with what comes up in October, then you'll be up and running with another option?
Hey, how about YOU find something better
You are a psycho b***ch!! GET OFF THIS BOARD!!
can someone tell me where to find
other listings for MT jobs besides this site and mtjobs.com? i'd even be interested in things outside of mt as long as i can do it from home.....need to change to something better soon - like yesterday! 
TIA!
I got into this because I could not find a job elsewhere. sm
And I found I was good at it, but I have always wanted out, though I have been here 25 years (needs of the family outweighed my "wants").
I think in my next life I want to be a government assassin or something like that.
Where do you find a job like that?
.
Who says she HAS to find another man?
I firmly believe that the girl doesn't have to get the guy at the end in order for there to be a happy ending.
Her husband can still be a good dad to his daughter without the two of them being married. If she is unhappy and the situation isn't good for her other child, she should seriously consider leaving. Just my opinion.
Once you find it...
Even after you find it, you will pay $25 to have the entries added to SpeedType - AND after already paying nearly $200 for the program. I found that ridiculous. The included instructions for adding the entries yourself do not work, so you are rather forced to have them do it for you. Personally, I think that is a bit of a rip off. I still have SpeedType sitting here unused, because I told them the fee was just not right, and they should include instructions that work!
Gosh, that didn't help much.
how do i find one of those?
oh well, just some of them need to find...N/M
IF they really have to, then they should find
a humane way to do it. I have a feeling though that it wasn't something that was necessary to begin with.
Also, because it was mentioned, even animals raised for food consumption have feelings, are smart, etc. In my eyes, a cow is no different than a dog....it's just what everyone has been raised as acceptable.
If any animals have to die though, it needs to be done humanely. If you want to see some things that are barbaric, go visit a slaughter house, a chicken farm or fur farm right here in our own country. We are no different. We are just not running around in the streets with clubs in our hands.
Thanks. I will try to find it!
/
What you find out-
Please let me know what you find out from your CPA. I need to make an appointment with an attorney before I decide anything else. Makes me wonder what this world is coming to. We have legitimate deductions. It is not like we get cash for our work (at least I do not). We get a 1099 every dang year.
Trying to find...
A good recipe for hashbrown casserole. The hospital where I used to work made a delicious kind and I'm gonna **try** to reproduce it! :)
Is there any way you can find out
what make and model you liked at your in-house job? I bought 3 different EXPENSIVE chairs that seemed to have the same features as a chair I loved, but none of them had what one favorite chair did for me. Finally I got a job that happened to have the same chair, and it actually belonged to another Transcriptionist in the office. I bought it from her because this chair hasn't been made since the 1990s. It's a Herman Miller, looks like ER200 or EP200, but what it does for me is take the weight off my ischial tuberosities AND conform to my lower back. While this chair did have a lot of enthusiasts in offices I've worked, others have other favorites. The best test is actually using a chair for 2 weeks, unfortunately.
Did you find one?
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