I got a loan today, as they have to be paid in a few days or else! NM

• Anybody had any experience with tax relief services SM - question
  • I'm sure your state has some kind of plan for people sm - nm
  • no, but I do believe you have to be behind--sm - noyb
    • Thanks. - question
      • you're welcome - noyb
        • I got a loan today, as they have to be paid in a few days or else! NM - question

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Once I started to institute that, the checks were cut and in the mail on time. :)

If credit is good you can get a prime rate, or maybe even 0.25% below prime.  Can get about 2% below prime for 3 months, but for most people this isn't reasonable.  

Trying to get a credit card to consolidate might not work, because if you have that much $$ outstanding (I'm thinking other credit cards) you aren't going to be able to get much credit and you'll just have 1 more credit card to deal with.  Also, lots of credit cards will offer 0% for 6-14 months, BUT if you read the fine print you may have a transfer fee of 3% of the balance.  Sometimes there is a cap on the total, but not always.   Also, pay CLOSE attention to the grace period.  We had a card that had a 25-day grace period, but by the time I got the statement and the time they received payment I was outside my grace period, thus we were charged interest, even though we paid the card in full.  

If at all possible don't get a credit card to help get you out of debt.  Call current creditors and see if they will lower your rate.  If you have good credit they probably will, if bad credit you are probably out of luck.  I would cancel some of the cards too.  It won't help you pay off the debt, but will stop you from getting more. 

I know this isn't what you asked, but BTDT and learned the hard way, and hoping to present other options you might not have considered. 

I had unexpected expenses and had to get a small one from HSBC.  Here are the questions I was asked:

Do you have medical insurance?  If so, what are the deductibles for hospital stays, office visits.

Do you have life insurance and if so, how much?

Do you have disability ins and if so, how much?

What is your home owner's insurance deductible?

What is car insurance deductible?

Who are your insurance carriers?

I do not recall these types of questions.  I ended up buying 10/mo insurance coverage which includes disability and life insurance...for $2600.  I am 48.

Is this new? 

my ShortHand would type only the first letter of an expansion and then take all the letters away!  I checked and the Type It button is grayed out!  I have restarted the computer and looked on the Shorthand Help menu but can find nothing that applies.  Can anyone please help me ASAP?  I am lost without it!  TIA

But this article states it would only affect new customers right now.  So I am upset over nothing.  I went through heck with BellSouth when they charged me a surcharge of an extra 50 a month and then would write a letter saying I had to switch to a long distance service and pay by the minute because of my "excessive" use. They told me the unlimited charge was for an average of an hour a day not somebody who worked out of their home and I needed to switch a business plan at over 200 a month charge.  I switched over to cable because of that and then to read that cable was going to charging on a per use fee and not a flat monthly fee it upset me.  It is the nature of our work, VR, only paying for VBC, having headers and footers taken away, now being charged for being on line, etc.  It just seems that everything is done to keep to insure less money.

I know the going rate in our area is 14 cents per line.  As MTs most companies here pay us 8 or 9 cents a line.  Now add in the Editor rate at 4 or 5 per line..you are paying OUT more than you can charge a line.  How would companies stay in biz?

Unless all work is sent by the company overseas at pennies per line, this would not pay for a company.

just curious how this works out

per keystroke, but that'll never happen.  I just think that these national companies are going to keep finding ways to cheat us.  I found a job working for a hospital as an employee, paid hourly plus incentive, and they let us expand everything!  Somebody's gonna have to kill me to make me give up this job.  I will never go back to the national's again.

I feel for you though.  I know that for us MTs those good jobs are few and far between and some have little choice but to work for the nationals.  I just happened to luck into the job I have now.  I just applied at the right time. 

Good luck to you whatever you decide.

sadly are two very different things.  Good luck on demanding more..because someone else will just come along and take it for what they offer and they know it. 

$30 in 7 days?  You've got to be kidding, right?  I could see $30 in 7 hours being bad, but in 7 days?  Either way, it's still not even minimum wage.  Aren't you worth at least twice minimum wage per hour?  Granted, there is always a period of adjustment when starting a new account, but I won't even stick around that long if I can't even make minimum wage.  Wow.  That's all I can say.  I think you know in your heart what you need to do.  You are worth so much more.

I've been frustrated myself because I'm supposed to do so many lines per week.  Monday and Tuesday were no work because the weekend people did it all.  Wednesday was technical problems.  Now I'm scrambling to get my lines in by the end of business today to reach my weekly line quota and get a half decent paycheck.  I was basically on call for them for free for three days.

There's not much of interest to me on the Job Seeker's board either.  Heck, maybe I'll take the next month off work and fool around for the rest of the summer until I can find something else.  I should have backed up paychecks coming in to last until then.  Good luck with your dilemma.

I took a Federal job last year and kept one small, very part-time MT account. I got a 2-step promotion yesterday (lots more money), so I'm going to drop the MT account. This will be my first experience as a supervisor/work group leader. I'll probably still check in here, I actually use a lot of the grammar and software info. I loved MT, but the benefits and job security were a good move for me and my family. Best of luck to all.

  Have had the same ESL the last 2 days who mumbles incoherently until the end when he suddenly puts the phone near his face and rattles off the last sentence crystal clear before hanging up.  I would love to grab him by the _____ (pick a body part) and ask him very politely to please ennunciate and speak just a little bit louder. 

Thank you.  Done venting.  Carry on. 

My 19 yo son can't find his keys and boy, is he upset.  He, dad and I search the house for the keys.  He knows where he put them last night, but they're not there.  I push furniture out, shake all the clothes that he has lying around his room, search and search, along with the others.  Now, 1-1/2 hours later, 1 hour late for work, he finds them.......

in his back pocket behind his wallet.     I'm laughing, of course he's really mad now!

How about shows you miss that are no longer on (excpet maybe reruns)? I miss:

1. Seinfeld


2. Ally McBeal


3. Strong Medicine


4. The Division


5. Any Day Now

I can't concentrate, my head hurts, and I can't hear half of what is being said.

Sorry, I needed to whine for a minute.

Thanks for letting me