I'm with you on the illegals, but paying taxes is not an insurance policy.
Posted By: No Msg on 2005-10-28
In Reply to: Another thing, people expect the government - TM
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I never said it was an insurance policy. Are there not programs set
up for a reason? Is there no government assistance programs set up so that people can get help momentarily when they need it? I am not talking about depending on it. I am talking about OUR tax dollars going back to us during a time of legitimate NEED, not out of laziness. Do you think they are better spent in Iraq or a lot of other bull crap spending that is done on people not in our own country? We pay for this! No we don't have to expect our government to help us in times of need. Move to freaking Africa. Those views would fit in real good over there. I hope your kids go to private school. Wouldn't want the government taking OUR earned money and spending it back on us.
Health Insurance policy for 2006
is now charging a supplement payment for smokers and those that live with smokers. Does anyone else have this policy or getting for the next year? This not through MT companies.
Well, my life insurance policy is worth more than I am,
especially the more I try to make MT work for me. Oh, well. It used to be a lot worse. I cut up my credit cards and made power payments on those. I have my first credit card now in 10 years. Yours isn't bad. You can do it.
I do not carry E&O insurance, but I do have my equipment covered under my HO policy.
My office is in my home and, God forbid, there should be a fire, I'd be out of business. I have coverage for my computer, printer, fax, phones and loss of use on a separate rider. Also, should anyone injury themselves coming or going from my office while doing business with me, their injuries are covered. Perhaps this is the information you're looking for.
Even after paying taxes, you end up with more
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As an IC when paying taxes, are SS and fed taxes sent SM
to the same place?
If you do your taxes properly, you certainly SHOULD NOT end up paying...
40%. Obviously if you have no deductions other than the standard, you will pay more, but even with only the standard deduction, you shouldn't be paying 40%.
As far as paying taxes, if you hire as IC..
you don't have to pay any taxes for your friend. At the end of the year, or actually the beginning of next year, you will have to fill out a 1099 and send it to her and file a 1099 summary report with the IRS and then you report what you paid her on your taxes in April. You can purchase the 1099 forms at Staples or any other supply store. You might speak with your accountant (if you have one) and see what he says but that's all I had to do.
Also, if you are setting your own rates, I would go to the 65-character line for all clients if I was you. It's wise to make up a contract for each client and have them sign that as well. You can probably find sample contracts on the web.
Good luck! If you have someone willing to work for you, farm out some of the work that you can't handle and see where the chips fall and then you can decide if you want to stay with the national, etc. Word of mouth spreads fast in this biz so you might end up with more clients sooner than you think and then you can call your own shots. :)
But the husband will be paying taxes
If he becomes the IC and they earn 24,000 in a year on IC income and he pays her $10,800 -- she will still pay taxes on that but it will just not decrease her social security of whatever it is. And she will have to pay the 15.75 SS on that. He will then pay income tax and the social security on the 13,2000 that is left. Even though she does all the work. Someone will still pay on the remaining amount. So will they be ahead -- NO. She probaby should have just become an IC out and out and wait to collect her retirement or SS. But there is a difference between SS and taxes. So when they combine their income they will still be paying taxes on that total amount, and if he earns anything it will be higher than just that.
I agree too. WE are paying SS taxes--sm
which is SUPPOSED to be an account to help people after they retire so they can continue to live a reasonable life. It is NOT a handout, and I think the poster who suggested such was thinking of SS disability, which is not the subject of the conversation at hand. Some are just LOOKING for an excuse to judge someone else.
you need to be paying quarterly estimated taxes(nm)
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To clarify: 6-8 CPL with NO BENIES, PAYING 40% in taxes IS a ripoff
Line rate with benefits and without is a BIG difference.
IC's get robbed. 7.5 cpl with no benefits is rediculous.
If you're making 15 CPL as an IC you're only making/bringing home the equivalent of a 7.5 CPL benefited MT.
So I can see why you would gripe.
Now with full benefits and taxes paid and insurance and 401K and PTO and holidays, etc...7.5 CPL is TOTALLY acceptable.
START paying property taxes?!?!? Honey I HAVE BEEN all since I got this place!!!
"If you want to be treated like everyone else, then pay taxes like everyone else"
Well thanks for ASSUMING that you knew that I didn't pay taxes. Every single person in this place that I live (300+) pay taxes. We don't own land so we don't pay taxes on that. We pay it on the home. Then our rent payments for our itty bitty pieces of land helps pay the propery taxes for the site.
In Michigan they don't? Seems hard to believe they would do that. If they don't pay it on the home then I would think they would paying it on the land or if they are in a park I would think that the park OWNER would pay the property takes for the large site.
Everyone is PAYING for health insurance now because of soaring cost
of health insurance to employer. Retirement plans are also being retracted. It's a tough world out there and it's not the employer's responsibility to absorb the cost of insurance for employees. I know my company keeps raising my rate for family coverage and I pay for it or go to Sam's Club to buy it myself.
By the way, if you are interested in why companies are outsourcing it is because of the costs of the benefits for employees. I am working on a hospital account for my national MT company who has turned all work over to my company. It is a HUGE teaching hospital. They find it cheaper to pay my company than to pay employees an hourly wage plus benefits. And that is why so many jobs are being outsourced.
Don't forget, doctors are paying out a mint in malpractice insurance.
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Your taxes do not pay employment insurance.
You don't have a right just because you want it.
If your unemployment is govt-subsidized in anyway, remember you're riding on my tax dollars too and I say no way!
accounts. Pay own taxes & insurance, charge to cover it all & to pay yourself a good salary.
nm
Illegals
You must live up north somewhere-- they are always climbing over the fences, running across the desert, etc., and you can see where they've been by the trail of dirty diapers, trash, cut water lines, using cattle watering holes for bathing, etc. I live in Arizona, too, and whenever there is any crime here, shootings, child kidnappings, etc., the first place they head is back across the border. Our car insurance rates are ridiculously high because they pick out a model they want to steal and across the border it goes-- especially if you have a 4 X 4, SUV, etc. The Mexican police use them for their patrol vehicles. I also worked for a local hospital and when they get sick, they flood the ERs with no insurance, of course, and the ERs are obligated to treat them. Everybody else has to sit for hours because they can't get in. Then of course, the "bleeding hearts" sign them all up for AHCCCS, which is the state welfare for health care, and they get everything for free-- while we have to pay higher health care costs to cover it. I could go on and on. I am not against people coming here LEGALLY, but the word here is LEGAL. I don't care if they are from India, China, Mexico, or where-- the word here is LEGAL. This country is just like Rome being overrun by all the barbarians, and we all know what happened to Rome. The same thing is going to happen here-- just wait.
illegals
Ok if I must I will go in to detail here for you, Jay. And anyone else who must know. I only know about 3 LEGAL folks that are Mexican immigrants. BUT I have met MANY illegals and I will tell you why. I live in Southern Mississippi. As I am sure you know Hurricane Katrina hit this area dead center. It was indescribable. Well A LOT of illegals saw an opportunity to work and they came to this area. Well my father does disaster cleanup. He had a lot of equipment and crews who did cleanup for the state. Well he did even though it is wrong hire many illegals to work for him. I know other people too who did the cleanup who also had a whole bunch of them living on their property also and I mean a lot of them. I have met many, many illegals during that time. Not just ones who worked for my dad but others. My dad has now realized he made a mistake letting them work which is a whole other subject. He knows it is better to leave them alone let them find work elsewhere. But he learned the hard way you can't help them. I have also. But that is how I have come to say it is from exp. Experience with many of them. They seem so humble and pitiful at first. But they aren't what they seem. Most anyway. They begin to expect more and more money. They will steal you blind. The many I have met yes. Dad lost every piece of tools that weren't too large for them to fit in a vehicle. He has a 500 sq. ft. metal building that was stock full of every kind of tool and equipment you can think of he had gotten over the years. EVERY tool down to his screwdrivers were stolen little by little and no one but these illegals working had access to these tools and other things. He is having to start all over buying these things. Do you see now why I feel this way. I have known so many. I am not someone who runs their mouth without knowing what I am talking about. Oh and when I say they don't have good hygiene these people would work all day in the hot sun and you can imagine how bad they would smell and come home and have access to showers and many wouldn't take them. THAT is disgusting. I'm sorry. So yes Mr. Jay I have known quite a few illegals. How many do have YOU know?
Illegals
They don't care who they live down the road from --- they have more rights than the cop does.
I called a local hospital and was told that all illegal immigrants have FREE unlimited medical care, covered under a government program called Trailblazer. The hospital representative told me that they are not allowed to turn anyone away, so the government set up this program to partially compensate the hospital for the care of these illegal freaks. The rest of their care is passed along to private pay patients and insurances companies. The insurance companies then raise their rates to cover their losses, and fewer Americans can afford insurance. God Bless the USA --- at least if you are a foreigner. In my area, it is Arabs. They (even the illegals) free education, free medical care, free social social services, food stamps, free legal services, free housing, etc., etc., etc. Of course, we are all paying for these "free" services with our tax dollars.
I agree on the illegals but .....
they're not the only ones sucking our system dry. I live in a state where 10% of the working class pay for 90% of those freebies on the government payroll.
My mother raised two children on her own. She had a high school education, worked her butt off for everything she had, sometimes working two jobs. She NEVER asked the welfare dept for a dime. If we didn't have the money, we didn't buy it.
But no, I see those beautiful cars sitting in front of the projects. Thought they couldn't have all these expensive things and still get all the freebies. My brother and I didn't get free healthcare, free dental care, free vision care. No one came out to make sure our home was UP TO SNUFF.
Heck, we got million dollar NEW homes going up in our town, single family homes. Tearing down the OLD single dwelling homes and putting up new homes, all for the taking of those who have some reason they can't do anything for themselves, while my mom watches this all happening, knowing she didn't get the freebies and the help. She doesn't say much but BOY AM I PISSED OFF!!!!
My husband and I work for everything we have. Our kids have better than we did, some would call them spoiled I'm sure.
Don't get me wrong, I don't mind helping any in real need, that's why God put us here.
But you know the old saying, give a man a fish he'll eat for a day, teach him how to fish he'll eat for a lifetime. Of course, I've seen many who don't want to learn how to fish either, they just want it at their doorstep.
I will state also that the illegals I know ARE..sm
They are paying taxes so they don't get caught....albeit some of their papers in order to pay taxes are fake. They also work 2-3 jobs per person and are contributing greatly to the economic success of this country and are slowly but surely TRYING to get legal.
And you can take that to the bank!
illegals and jobs
My 2 cents. They should throw the book at anyone hiring illegals in the first place. Fine any business tremendously!
If they allow these illegals to work as citizens, they are not going to work for peanuts anymore! They will want as much as everyone else makes! There go all those jobs that we need!
Yes, America was made by immigrants but this is too many people! Why can't they allow so many people from each country?
One last thing, there are many corrupt border control guys on OUR side of the fence receiving money for allowing illegals to cross. That is the truth!
The illegals also can work at these low wages because
they live 5 or 6 families to a house. Every time you hire illegals (and if a job is bid at half what an American can do it, they ARE illegal) you are contributing to the destruction of America. Have you ever read any reports of what its like to live in a neighborhood with illegals? It rapidly declines into garbage and filth. This is the only way these people know to live. They do not care to assimilate into our society. They would rather we degrade down to their level. Enjoy that money you save. May you also enjoy a few of these families coming to YOUR neighborhood.
Oh, and don't think they just live in low income areas any more. Nah, they are spreading into the McMansion neighborhoods. 7 or 8 families per house can afford to live there, and Bank of American is oh so happy to loan them the money. Ain't American great?
Your reasoning does not make illegals ok, still
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This, in my opinion, ranks right up there with the illegals using....
your Soc Security number to work under. It's an illegal act, no matter which way you look at it. And, when "they" are tested on the phone for an interview, how is that going to fly? This whole reeks of illegality and purely a *wrong* thing to do.
Puhleez, what exactly is the government doing about illegals crossing the border?
Absolutely nothing. NOTHING! The government sanctions sending American jobs oversees, puting thousands of American workers on unemployment! So why should I or anyone else feel guilty about trying to get what we rightfully deserve?
As far as testing on the phone goes, doxie, you can be listening on an extension and write the answers down for your husband. Don't feel guilty. You're going to pay your taxes.
You have your W2 showing very clearly those taxes were paid. MQ is responsible for those taxes
because you were a statutory employee. That is the responsibility of the employer to pay those just as though you were an employee.
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
What are you paying your MTs? If you're only paying 7 or 8 cpl
and expecting extremely experienced MTs, forget it. You're not going to get it. If, however, you're willing to pay 9 or more cpl then you will find what you're looking for. There ARE experienced MTs out there who will work their fingers to the bone IF they are compensated well and treated with respect.
ATT- I was paying $320 for 7000 minutes, I am now paying $175 for 5000 minutes in CA. nm
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Policy (SM)
There is policy about this.
Please write the Administrator about this (admin@mtstars.com).
Goldbird
I think the policy is
as long as they have an American office (storefront) they are still considered American and they do not allow offshore MT's to post resumes - but that is an I think.
If only this policy was followed with consistency, now that would be new!
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It seems like you have to ask the company what their policy is (nm)
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you may have been sold that policy
it doesn't mean you could have collected on it.
Yes, came from hosp. If was co. policy, they
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Check the policy. It says......
unlimited long distance, person to person, then you will get busted. It may take a little while but they'll get you. I learned the hard way. I used Vonage and it worked great.
Honesty best policy
I don't think it would reflect badly on your son if you're just honest with the person who hired you about not being able to be on your feet for so long. I would suggest telling him/her that you didn't realize how difficult it would be to be on your feet for so many hours and that you've made a mistake. I think everything should work out just fine in the end :)
If it is your company policy, then you have
to do it. I would keep track of it though, check for errors, etc.
Not if you have a company policy
Deletions are made according to policy. (SM)
If you have a complaint about a post, take it to the Monitor board.
Goldbird
You'd be better off getting a private policy. Premiums are
cheaper, though still expensive, and you don't have to worry about insurance if you make a job change. Shop around, should be able to get a family policy for about $400.00/mo.
Or try to get the kids a separate policy
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Fair Access policy
I have DW7000 professional and even with the extra download and upload capability they will still shut me down if I go over their limit. Also I am on SatMex and have had occasional trouble as long as I have had the system. Sometimes I just want to run over the dish and modem with my Jeep!!
I would read your health ins. policy
My husband's policy specifically states that even if a married couple get separated the spouse no longer has insurance coverage! The coverage definitely stops, on my husband's policy, when a divorce is final.
I would want to read a copy of the health ins. policy for sure. Just my 2 cents. :)
Each company has their own policy for how they handle it.
I only worked for one company that deducted and that was YOG. There is no industry standard, at least that I am aware of. I'm going on 6 years at my current company and have never had a deduct.
That depends on the company's policy.
Each company defines it's own policy. Most all do pay it out but since offering paid time off is not mandatory by any federal or state government, there is no mandate that a company HAS to pay out any accrued but unused paid time off.
Your Human Resources or Benefits Department will be able to direct you to the policies that govern this for your employer.
Ex-HR'r
Official policy puts it best . . .
from the 2002 AAMT Book of Style:
"Obscenities, profanities, and vulgarities do not belong in a patient's record unless they are part of direct quotations that are essential to a report."
In 20+ years of transcribing, mostly psychiatry, with, as one might imagine, a lot of profanity, I've always just typed whatever the clinician quoted the patient as saying, and have never had a complaint.
Good luck,
CTT
Advertising policy of MTStars...
Many of you haven't noticed Advertising policy of MTStars lately.
http://www.mtstars.com/advertising.htm
No more sponsorships from MTSOs etc. The truth is being spoken on these boards and it always hurts. You can't remain sober if betrayed by some company or individual. You would have been speaking the same way if you were in their shoes.
I love MTStars for being unbiased (what people say nastiness). It's not like MTChat or MTDaily etc., where the posts are deleted and board owners are instructed to keep their & posters mouths shut for annual sponsorship of $500 by MTSOs.
It's the advertising policy of MTStars..
Many of you haven't noticed Advertising policy of MTStars lately.
http://www.mtstars.com/advertising.htm
No more sponsorships from MTSOs etc. The truth is being spoken on these boards after change in administration and it always hurts. You can't remain sober if betrayed by some company or individual. You would have been speaking the same way if you were in their shoes.
I love MTStars for being unbiased (what people say nastiness). It's not like MTChat or MTDaily etc., where the posts are deleted and board owners are instructed to keep their & posters mouths shut for annual sponsorship of $500 by MTSOs.
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