I'm going to be 58 in a few months, don't see retirement in my
Posted By: future, & worry it wont support me much longer on 2007-10-19
In Reply to: Scared about future - MT4eight
:(
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- Scared about future - MT4eight
- I'm going to be 58 in a few months, don't see retirement in my - future, & worry it wont support me much longer
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My retirement
I worked for a large multi hospital alliance in Ohio that is now under scrutiny by the attorney general and has many hospitals pulling out of their contracts and at a cost to patients and physicans....everything about it was to cut money and cheat people. Our pension which was noncontributory by us, works like Social Security. You retire early, you get reduced amount. I was forced to retire early because of the war and now I need more money. I was told when I took the reduced amount that I could not work again till I was 66 unless I kept it under $900, just like Social Security. I do not know what an independent contractor is. I didn't think I would NEED to know...I just am trying to find out how it is done, how it works, because the jobs I see that I want wnat ICs. I'm sorry I even asked. Since so many jobs say IC only, I assumed that some of you would know what an IC is and how to be one. I need to work at home because the other grandma has no computer. I was just trying to find 15-20 hours a week. Let's just drop it. I don't see what I did wrong. Thanks to those who understand I am not trying to break the law. Good grief.
they get half pay for retirement too!
Bus drivers are making $63,0000 and that is with no education. you can be a hs dropout or a foreigner. I hate NY and glad I left.
Retirement Accounts
I am considering getting into a retirement account this year. I am a sole proprietor with no employees to contribute to. I am also looking to reduce my tax obligations for next year with this account. I am also over age 50, so this may be a consideration. Any suggestions from knowlegeable MT/business owners out there? Some of this stuff is very confusing. so any help would be appreciated. Also include who to go through for set up, if known.
thanks 
Yes. I cant take early retirement because I
x
Who wants to take early retirement if not
x
Why did you take early retirement
if you knew it wouldn't be enough? I don't mean to be rude, but it seems to me you want to have your cake and eat it too. I don't think it's right you want to cheat the gov't by putting everything in your husband's name. I suggest you ask your clergyman what he thinks of your proposal.
I have been married to the same man for the last 13 years. We had 3 children together after we got married. My husband and I each had to pay for our own college educations. We have worked for everything we have and have done it the honest way. I would have loved to have had a child first and then went to school for free while my husband was living with me and supporting us but had a different mailbox so I could still collect welfare. Then after school, I would have popped out 2 more and continued to receive welfare while I was looking for a job (but secretly planning our wedding) and then got married while the gov't picked up the tab, so I could sit back now and enjoy my beautiful house that I was able to afford while I was ripping off everyone else.
It really burns me when someone tries to get ahead in life by taking from others. I'm sorry that I don't share in your plight, but what you are doing is illegal. It is fraud, and if you chose to go that route, I hope someone finds out and reports you. Maybe the gov't wouldn't screw us so much, if so many didn't screw it first. Shame on you! 
They want a retirement that they don't even contribute to, they already retire at 55.
x
I think decent retirement is possible from an in-house job
s
you sound more than ready for retirement!
x
Why take early retirement if you cant afford it?
x
When you took early retirement, did you not find out
how much you could earn and other questions about retirement? If you did not, very foolish on your part. I have another year to go to have FULL retirement age- that for me is 66. I could retire now but knew AHEAD of time if I did, then for every 3$ I make, the government takes a part of that. I did not want to pay in any more than I have already. I went to social security last month, found out how much I will get at full retirement, etc. etc. If I live and take retirement money out (I plan to continue working) I will be getting almost $2,000 a month. With my salary, the full retirement money and some retirment money I get from a company I used to work for, that will be a very good sum for me. Having said that, there is no way in hades that I would ever try to pull the wool over Uncle Sam's eyes- talk about trouble- what you propose seems to be underhanded- whether it is or not I would not want to be any part of that scheme. I think where you live has a lot to do with whether you have to get tax ID number or not. Better to be on the up and up than spending some time behind bars.
When I found out about retirement money
they were so KIND to tell me I could start drawing out my money 2 months ahead of my full retirement in January- ha- they tried to make it sound nice- you would get 2 checks for January- having said that I just thought to myself- no I will just wait until FULL because 2 months ahead of time reduces then my total monthly income for as long as I might draw- thanks but no thanks- I want my full retirement money, don’t want 1 single dime to have to be paid back.
Why take early retirement before you find out
x
Government retirement program has changed.
It is now the same as Medicare, with a 401K added.
Question for you Statutory Employees about retirement?
Any of you who work as an SE, have you ever looked in to an SEP IRA or an individual 401K for funding a retirement plan? I was just wondering if this is allowed, since the income is considered self employment income, but I have searched on the Internet and can't find anything to tell how the laws specifically apply to SE's. I know if I was an IC there would be no question. I already have a Roth IRA but the limit for that or a regular IRA is $4000 a year and that is not enough IMO for retirement, would love to be able to save some of my SE income tax-deferred. I'm going to ask my accountant about it but figured out of courtesy I would wait til after the tax filing season winds down. Just curious if any of you could help out in the meantime?? TIA.
What kind of retirement tells you how much you can earn?
I will start drawing from a pension plan this April - I have absolutely nothing saying I can or cannot make X amount of dollars a month. How did you get a retirement that tells you what you can make? This sounds strange to me.
I had exactly the same benefits, pay, and retirement plan when I was single as I do now, married. sm
So, your post doesn't make sense. Benefits aren't withheld from singles and offered only to marrieds.
my full retirement age is 67 according to my estimated benefits paper - nm
x
my dad just retired at full retirement age, and there is a limit on income for the first 2 years tha
x
$32K/part time 6 months/full time 6 months
I have kept my child home with me half the year, but when pre-K started I began working full time. Helps to only have a main account and one backup account for the 2nd year now, so my abbreviation program rocks and rolls when I focus.
Only 3 years away from reaching total years for retirement
but if I had to do this and raise a family, would feel exactly like you do. The pay is terrible compared to what I used to make. I work 32 hours a week, hope to be able to continue even after full retirement age. I have worked on VR now and unless places get to where they really do not care about how their reports look, think they will need MTs. I very seldom do a report and it is 100%, just cannot remember 1 like that and most take a lot more editing. Working now because want to, not have to anymore, thank goodness!!
I have been doing VR for 6-7 months.
The system has not improved in that time and it is much more time consuming to edit VR than to transcribe. I believe the companies are selling VR to the doctors saying it will eventually be perfected and dictation will be done cheaper and quicker. Right now that is definitely not the case at this point in time. On the other hand, VR for banking and other services seems to be working well. I do believe it's the future of transcription but for now it leaves a lot to be desired and is very, very tedious and kind of nerve wracking if you are used to transcribing. 
On the other hand, for someone who cannot transcribe but has medical terminology course, you may be able to make some money on VR and I suspect that is exactly what companies have in mind when they push VR. Eventually all MTs will be replaced by MEs (medical editors) at a lower line rate. I have seen as low as 4 cpl posted for editing so for someone who wants to work at home, I guess that's good enough especially if you can't transcribe all that well utilizing expanders, etc.
I have been there 5 months and have never (sm)
been happier. They are great!!
Sure! It took me 3 months to get (sm)
good at MT (no formal training, just science background); like you, I sort of fell into it -- was getting divorced and leaving grad school, needed a job, had done transcription at temp jobs, so saw an ad and jumped -- made a grand total of $300 the first month, 10x that after 3 months. There is only one other job I've ever had that kept me as interested as MT -- working as a paralegal doing insurance defense work. I love the challenge of researching a new piece of equipment, I love hearing people's stories, and I adore working at home and avoiding all the politics and other garbage of a worksite. I love working all night when the work is plentiful and breaking my days up how I like. What's not to like?
I like it. I have used it for a few months
and it is very easy to get used to. The only thing I don't like is it doesn't spell check your work until the end, I'd prefer to have it checked as I go along, like in MS Word.
About 2 1/2 months here
My biggest problem is in the evenings. I am so sick that all I want to do is lay down and sleep until it passes. I work two jobs, so I am having the difficulties you are talking about. I am moody, too. This is my first experience with this while being an MT, so I'm right there with you on not knowing what to do. Good luck!
At the very least 6 months
It is absolutely overwhelming in the beginning. Worked in-office and tried to quit my first day after a half hour! How lucky I was to have a patient supervisor and kind co-workers. (Plus good references that actually showed sample reports--so helpful to see what the ''finished product'' should look like.) I hated my former job so I just kept coming back, reading everything available, and taking terminology classes. Maybe I was a ''slow study'' but after around 10 months, things started to make sense.
As a new MT myself, not quite 6 months
on the job yet, I take any and all feedback with a grain of salt. The tone of the e-mail does not bother me as long as useful information is being given. I did not graduate from one of the top 3 schools either, so I appreciate the opportunity to work and learn at the same time. Feedback often makes you feel degraded and dumb to a degree, but let us face it, we are. We are ignorant to the world of MTing. We do not know everything. We learn daily. Once you begin implementing the advice given you will probably find that critical e-mail will lessen. Also, trainers often do not have the time or resources to be "sweet" to everyone they train. Their primary responsibility is to make you the best MT you can possibly be. Learn, grow, and do not take it all to heart. Good luck.
I did for 6 months sm
a loooonnnnngggg time ago when my kids were tiny. I started out pouring the models but had to leave due to babysitter issues. There is very good money to be made there. Based on production but I believe they pay by the hour. Go for it. Not any more boring than MT can be at times. Around here if you can paint the porcelain teeth, the pay is close to $20 an hour.
about 7 months
they have been using it on my account.
it really depends on the voice.
I just learned that "lungs are clear to sedation"
and parentheses do not know if they want to be princesses or impressions.
took over 2 months for me
I worked for them last year. It took over two months for them to get it together and then I finally had typing to do. They do not go by their contract. In it, it says you would have so many (50 maybe?) typings before they got out out of training (which has less pay of course) and it was over 200 and then it was only after I asked about it when they moved me to an actual account. After that, I worked for about 3 months and every time I would be put on an account and start making decent money, they would switch me to another account and I'd have to start all over getting used to....thus not making money. I finally resigned and explained why and the owner sent me an email, saying she didn't bother to read my email....but she didn't understand what the problem was....duh...if you had read the email, you might understand. It was a mess and not worth my time at all. There were actually hours where I could have made more money at McDonald's. Oh, and when they fax you back any corrections, they charge for fax time......even when they're having problems with their fax...they charge you the time!!!....they charged me nearly 1/2 hour once because they were having problems with the fax and they were faxing MY work.....just not worth it to me....I'm sticking to my own accounts.
Gee, my 'E' is okay after a few months, it's my
a,c.v.b.k.l. and the period that are worn on this new keyboard.
I wish I would have known about the clear nail polish before I started using this. I would have tried it. I have gone through 3 keyboards in as many years and my first keyboard keys were worn down to nothing. 
2 months before they pay you?
I would explain that to them, that this is not ONE month, but it is TWO months before you will see a dime for work done, and that you have MTs that depend on paychecks much more often than that. Ask them if there can't be some kind of negotiation. I really don't see how they are even requesting that set up. NO one pays just every 2 months. If I paid my bills only every two months, I'd be sitting in the dark, for sure. I wish you the best on figuring this out. It's an awful situation for you.
when I was very new, about 2 months ago actually
the doc said to avoid NSAIDs and I typed incense!
Ot maybe this is the first time in six months that the
account has been out of work because ALL medical providers are slow this time of year.
All you need to do is stay there for 3-6 months to get the
We all start out in really crappy jobs, but stay there because it looks good on the resume for a better company. My first place I worked with, I had to work with a guy who had no idea what he was doing, would type just about anything he wanted just to get paid (at that time 7 bucks an hour was big bucks) and when i'd correct him, because it would look bad on me too (there were only two of us per shift in the small room connected to the ER), he'd flip me off behind my back and make faces. It was complete nonsense, but it got me into a better company.
I complained over 6 months ago about J. sm
I was using my computer but i believe it boils down to J doesn't have a clue what he is doing. somethings he couldn't figure out and i knew exactly how to do them. i think they got him off the street holding a work for food sign maybe. he likes for you to use company computer because he doesn't know crap about fixing yours. loved the company other than J and the hatefulness/stupidness that came along with him.
Thnx, been 4 months sm
She has been here once in that time and she just started crying all over again until hubby felt bad for HER and started taking her side and I have just had it. He is a big one on the few house rules we have DUE TO HIS MOTHER being so lax and not responsible, so rules are rules apparently except when his mother is involved.
We have been over this issue the past 15 years (since first child) as she is the one who always trys to break any discipline just becuase she happens to be there. Sorry, they knew you coming and if they decided to get in trouble that is their doing and letting things slide all the time just becuase she is around made a mess of things and I am just full of it and decided if this is not a big deal for her...it should be for my husband and until the two of them realize how serious her actions were they will not be left with her for any reason as I have no clue what serious is to her if that was not. I could see if she did not know that the kids were to tell us anything that is/might be an issue first hand, but she has been in on that rule for many years, so it was not new or something I just decided to get upset about...standing rule so that we can discuss and find alternative solutions for next time, etc. depending on if an issue at all or something that might come up down the road again.
If you asked that 2 months ago
I would have told you MQ whom I was happily with for years and years but now I sorrowfully have to say, NOT HERE!
3 years, 9 months - nm
x
I spoke with them a few months ago SM
and they said they are getting a pool of resumes together to fill positions AS THEY BECOME OPEN. So there is really no "position" there, they are just getting a bunch of them together to go to if they need to.
We've been using ours for two months now.
No more $20 gas bills like in the summertime.
I agree, at least 3 months. My
accounts I have been on for 5 years, well I fly and the money really does pour in. Good luck.
Three months sounds about right. nm
:)
I had that for a couple of months and it has
recently gone away. I tried pillows, sitting up straighter, etc. Nothing seemed to help. It was to the point I could only sit for about an hour at a time. I didn't realize it until I saw your post, but I'm not hurting anymore. I haven't been as stressed lately and I wonder if that was causing it. I tend to manifest stress with a physical ailment, used to be migraines, then back spasms when major sudden stress.
not very long, only nine months...
we have a sliding scale and all of that...but you have to do 1200 lines to get .055, can you believe that?
As of about a couple months ago, we are to
not spell out any number at all. I hate that because it looks ridiculous.
I went through the same thing for 6 months
It was so good to have an apartment with a door I could lock that only I had the key to. I guess the upside to transcription is that if you do become homeless, you can still keep your job.
A couple of months???
Gheesh! They're nickle and diming her to death for the love of Pete, and you want her to do them a favor and give them two months' notice? Heck! Why not give them a couple of years' notice so they can continue to take further advantage of her???
29 w/2 kids 5 and 10 months
was going for nursing but decided to stay home with my baby
We lost 29 lbs on it in 2 months but...
Hubby got the gout after that, so had to go off it so we could find out what kind of foods would trigger his attacks. That was 2 years ago and we gained all our weight back. We missed the meals. We were really into the full meal salads, etc., satisfying and weren't really into sweets or deserts before starting. Never missed potatos, either (except french fries...my weakness).
He also has a heart problem and finally asked his doctor what foods to avoid...Lo and behold....everything we're eating now. When asked what foods to eat...you guessed it...everything on the Atkin's Diet. So, 2 years later, we're anxious to get back to it. ...but a modified version.
Oh, and we have figured out which foods trigger his gout...FINALLY. It's any dark green leafy vegetable, spinach (our favorite) and even mixed baby greens, and green beans! Never would have believed it but we tried several times to include those in our diet and they trigger attacks every time...go figure.
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