I had exactly the same benefits, pay, and retirement plan when I was single as I do now, married. sm
Posted By: Kit on 2006-03-06
In Reply to: Gee, I feel sorry for you - how about the ones of us who are single?
So, your post doesn't make sense. Benefits aren't withheld from singles and offered only to marrieds.
Complete Discussion Below:  marks the location of current message within thread
- Spouse's job??? - curious george
- Gee, I feel sorry for you - how about the ones of us who are single?
- I had exactly the same benefits, pay, and retirement plan when I was single as I do now, married. sm - Kit
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my full retirement age is 67 according to my estimated benefits paper - nm
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You're confusing the new QA plan with the new pay plan. New pay plan is still completely under wr
Shhhhhhhhhhh....
That was with full benefits, which are the same benefits as an in-office employee for the QA staff..
However, I hear that their current QA staff are being asked to reach numbers that are out of sight and goals are basically impossible.
I was married at 21, been happily married for 18 years now.
Have 2 teens, 16 and 13. Love my soul mate!
I am talking about the QA plan I dont know what the new pay plan is.
:
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.
IC positions offer no benefits, employee positions off full benefits, so if you do not need
benefits, then IC would be best.
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 
I'm going to be 58 in a few months, don't see retirement in my
:(
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.
my dad just retired at full retirement age, and there is a limit on income for the first 2 years tha
x
I am a single mom
of 2 beautiful girls, 10 and 8. I support myself. I do not make my ex pay child support and he sees his children whenever he wants. It is possible to be a single mother in this world and not be bitter and angry. I have it better than most divorced single parents, but I have worked hard to get it this way. I guess my point is that whatever the situation, it can be changed to achieve the desired outcome. Everything takes time, love, and a lot of hard work, and being 30 years old and having gotten where I am today, I am quite proud to be a single mom.
Just a PS - and I'm single
no kids, never married. You all should start with the AAMT, which from what I can see, is nothing but a huge joke.
single mom
I raised 2 kids, boy and girl on my own. Something you might want to think about is sharing babysitting services. If you only type in the evening, possibly you would keep someones children during the day (save them money) and then they could keep your children in the evenings so you could work (or vice versa). There are ways around the childcare issue. You just have to use your imagination. If you are part of a church and your church has a church bulletin board, advertise through your church for "adoptive grandparents", an older woman or couple that need the interaction and would be willing to help you out and in turn you could possible cook dinner them them during the week or even clean their house, etc. The barter system is a great tool that people forget about.
Not OP, but every single job I have had
I needed to be trained for multiple reasons. Are you an MT? I doubt it because all MTs know you need training for the company's software, acct specs, how they do things in general. It does not matter how much exp a person has, you will always need to be trained on a new job regardless.
35F/single/1 13 yo son
nm
32/F/single..
no kids!
single
i raised by daughter all by meself (she is now 22)doing medical transcription. even with an infant it works for you really well. you child will adapt and entertain themself, but you can take breaks all the time and spend time with them. i thought it was the perfect situation, but i would suggest working during the day.
unfortunately, i went for a second marriage and that didn't work either and i was separated when she was 10 months so i'm doing all over again, but you can make this work really well for you.
i now have my own business and call all the shots working for eight doctors and I get to spend so much time with my daughter.
i love it.
keep working hard
single mom MT
Let me say first I have been in your shoes. I am still a single mom and still an MT. IT's been a struggle. When I divorced my boys were 9 months and 5 years. I made the same decision as you are to saty at home and work. I did eventually get daycare for my younger child when my older son started 1st grade and this helped to have 6 hours uninterrupted. The daycare costs can be covered by assitance. I know you don't want to go on government support - but sometimes we have to bite the bullet. They will help you with medical insurance and food etc. It doesn't have to be forever -- just while you are learning the ropes at work as an MT and gaining speed. Theh childcare I got was in my own neighborhood - a license daycare provider. I didn't want to use a center as I like the smaller home environment. I used to run a family daycare myself when I was married. I asked for a listing from Welfare office of licensed providers and there were 3 or 4 in my smaller city -- one only 5 blocks away. My older son eventually went there after shool - she picked him up.. so I could work a full 8 hour shift. We did this until my younger son was ready to go to school. Now I just work while they are in school. They are 15 and 10. I also work in the evening after dinner if needed after homework and they are older and know it's Mom's work time. It can be done. It's a challenge still for me because my 10 yo has a mild form of autism and on days that there is no school etc it can be a challenge. Then, I try to get a grandparent or Dad to take him for a few hours. I work as an IC now to have flexible hours....
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!!
My take on single moms
This is not meant to start any arguing between anyone. This is just my outlook. I was raised by a single mom. Through no choice of her own, my father decided to end their marriage to be with another woman. I was 5 when we were kicked out of the only home we ever knew with nowhere to go. We had to live with some friends of hers for 3 months while she saved up money to get us a place to live. She was a nurse and worked her butt off 7 nights a week, working 60 to 70 hours a week to put food in my mouth and clothes on my back. She went without, didnt ever have nice clothes, didnt have a social life, was the sole supporter and had to be a mom and a dad to me. She was everything to me and what she sacrificed for me she did willingly and lovingly. She gave up everything for herself so that I could have a bright future.
I saw what my mom went through as a single mom. There was no support there when the pipes broke, the car wouldnt start and she couldnt get to work, if her child was ill, if she were ill. There was no second income, nobody to lean on.
Through all her struggles raising me, she never was bitter and never complained about being a single mom. But I feel that any single mother out there trying to raise children to be all they can, at the same time solely supporting the family should be regarded with a little respect. Look how hard it is in this day to make it even as a married couple with kids. It is hard.
If you havent walked down that road, you will never imagine how hard it is. I think some compassion is due to that lady and her children. Maybe not just because she is a single mom, but because at some point in our own walk, we may need some compassion sometime ourselves.
single mom homeowner
Got my home through USDA Rural Housing, no down, just needed good credit. They adjust my payments according to my income. Eight years ago when I bought it, I was making minimum wage.
I identify with every single
Very good and clear description of what will happen at this company.
I believe they are taking the bottom of the barrel of hospitals out there and
not putting any restrictions or caveats on the work - instead making the MT
"eat" the loss and MQ is playing the odds.
But if all you get is bad dictators - you will not survive. Probably the reason the
hospital had to outsource IN THE FIRST PLACE - is because of the doctors.
What I've never understood is WHY CAN'T THE HOSPITAL DEMAND
APPROPRIATE AND DISTINCT DICTATION.......IT IS TO THEIR LEGAL AND
MONETARY BENEFIT.
I mean they require appropriate credentials, and timely dictation of reports - just because we are mostly women "typing" is that the reason no consideration has been given to what has been thrown at "transcription"? I have wondered. I know you say "transcription" in a medical staff meeting and the eyes of administrators go DARK and they nearly throw up in your face. The hospital just WANTS IT DONE AND DON'T WANT TO HEAR ANYTHING MORE ABOUT HOW IT GOT DONE.
Well, it would be simple if they also spot checked physician's dictation
as part of Quality Assurance and if they were not doing it right - in English - with
English structure sentences - they were kicked off staff just as when they don't
do their charts timely.
simple 
Yes, I'm a single person - sm
Two people could not fit in this cottage it is so small. The $1,100 mortgage alone I could not do without working for 2-3 companies consistently. And pay a car payment or take a trip on top of that? Or pay for medical insurance? Forget it, it's not in the budget. If I have a slow week my finances are in ruin. 
Thank you everyone for your replies!
Yes, being single over age 30 is sinful...
according to David, so I'm WAY out there dangling on the cliff! The odd thing is - he just got divorced from someone 20 years older than him - isn't divorce a sin? Somehow he has neglected to mention THAT little detail about HIS life. Hmm...perhaps I shall use THAT against him, lol. Well, as my Mom would say - I'm going for the grandchildren!
PS: Can y'all go with me and my other sisters?
Any single moms out there?
Hi all. I'm hoping there are a few single moms out there who can give me some advice. I have two children, ages 15 and 11.
Background: I divorced my husband in June. Everything was going well financially until I lost my Independent Contractor position unexpectedly in October. I could not find any work for a month and had no savings.
Now, I come to find out my ex will be dropping all medical coverage this spring. He will be self-employed at that time and have no access to insurance.
AS OF THIS SPRING, my financial status looks bleak. I have no savings, no retirement, no medical insurance and no life insurance. I'm totally lost here.
I have a few options: I could stay self-employed and buy all of my insurance, etc. I could work when I wanted and be home with my kids, attend their school functions, and so on.
I could get a full-time MT job in an office with full benefits, etc. However, my kids will be alone on vacations and in the summer. They may need to forego some school functions and may need to stay at home alone when they are sick.
I've been self-employed now for almost 8 years and the kids and I are very used to it. I hate to give it up, but, I do need to do what I have to.
Any advice?
I have my DH claim 0 and single, but we also have
extra $$ taken out of his check. We have been hit with a penalty of under $60.00 the past 2 years for not having enough taken out for state though. Hopefully this year we have taken out enough.
29/F single mom to a 7-year-old boy. nm
If you are looking for single coverage, you
S/B able to get something reasonable. If you're looking for family coverage it is doubtful you would find anything under $350.00/mo. You might want to look into medical savings accounts. You have to qualify for these and I'm not sure what the criteria is, but Google it. If you are a non-smoker and have no pre-existing medical issues, aren't grossly overweight, and not planning a baby anytime soon, you might want to look at getting mainly a major medical plan that would cover you in event of hospitalization or something catastrophic, and just pay routine care out of pocket.
We currently have insurance through DH job, but when I was looking for independent coverage Celtic had the cheapest and then Medcost was the next cheapest. I called several agencies and they all quoted me on Medcost, but the premiums varied as much as $200.00/mo. BCBS has something caled Blue Advantage that you might want to look at. I hate BCBS because they are such a pain to deal with and deny a large percentage of claims, but it might be an option.
Every single weekend here...NM
XX
Any single moms?
I am curious, any of you gals a single mom? I am single and I also home-school my daughter and I am just curious how everyone schedules their days. I have been doing this for a while now but am always curious as to how other singles get it done. Thanks!
SINGLE MOMS
Oh yes - I have five children, however, they go off to school every morning - that is really the only way to get the bulk of my work done (although have been doing for 17 years at home). When they were younger did most of my work at night while they slept. It is not easy, as we all know "a woman's job is never done"........
Single homeschooler
You are not alone!  I am a single mom, have been homeschooling my 12yo daughter since birth, and have been an MT for 6 years. In fact, I chose MT so I could work and still homeschool. Do you have a set schedule you work? What is/are the age(s) of your child/children? (Boy, that was an awkward sentence!) My daughter is pretty self-sufficient so I mainly just oversee her schoolwork. I work for an MTSO (2 docs but not a lot of work from either one) and 3 docs I got on my own. I don't have a set schedule, which is both a blessing and not so good! I am never off work! How about you?
I happens every single time that someone sm
post that they are able to make a decent living doing MT, earning 50K a year. Those who cannot even imagine doing it doubt it. These are the people who obviously do not belong in the field, cannot pull anywhere near ever 200 lph. I could care less whether you believe it or not. I care about my life, my job, my direct deposits, my tax returns. I haven't done 40 hours a week in years, but I will still top out at about 52K this year. I am in no way chained to my keyboard. I do not, and never would, run around hustling up accounts, dealing with office managers, or any of that bullshit. I prefer to let my company hustle the accounts, do a good job for them, and be paid accordingly, with full benefits.
The ones who claim to make a lot by having their own accounts are only naming gross income. They pay a lot out of that in taxes, and to subcontractors, and probably really actualize about 35K. Mine is pure profit, all take home.
It has held true for a long time: If you cannot hack it in this business, then get a babysittter, buy some new clothes, and go get a job out in that great world. I love it where I am.
Working Single Mom
I was a single, full-time working mom for almost 20 years with 2 sons who are now 26 and 23.
What I had to do was learn to let go of some of the expectations I had for myself, and delegate a little more of the household duties to my boys. So, they microwaved their own meals on weekdays and I cooked meals on my days off. They took over doing the laundry and I folded it once it was out of the dryer. They swept or vacuumed the floors and I mopped- that kind of stuff. They both resisted all of these changes, but I stuck to my guns. Eventually, I was able to have more stress-free time for them AND myself, and they were able to see that it takes ALL the members of a family to create a home- not just Mom.
I am a single mom and have this fear every day
But, because I have to pay the bills, I cannot sit around. So I work 2 full-time jobs. I am eying my employee job carefully, b/c if it ever slows to the point where I cannot make rent, I will work 3 jobs and then let the 1 go which is faltering. Unfortuantely, I have been through what is happening to you but I was in a marriage. When I had to go out on my own, I realized how a person has to be secure in a job for all kinds of reasons, not just bills but self-esteem. I cannot tell you what to do nor is it my place to do so, I can only tell you where I have been and where I am now. Even if I had the ability to sit around and wait for work, I would not do it. I would first communicate and ask for full-time work. If no response I'd get a second or third job and do all until the time comes where I can judge which is the most consistent to pay bills. This is even if I did not have much sleep and raising a child alone. I am doing this now, and it is difficult, but I would rather lose sleep with a roof over my head and a good self-esteem, than sit and wait for work and let it eat on my bills and my confidence.
Sorry for the long note. Hope it helps. Good luck to you whatever you decide. PS: Listen to your heart.
When you say many MTs are single earners
in their homes, what difference at all does that make? Is that to make an exception for someone who is single versus someone married that the single one deserves more? I think the statement of being single not warranted, makes not 1 bit of difference to me.
I wasn't trying to single Deb out...sm
She is actually the only one who said she had her own account. However, I did get this impression from the others that posted their line rates, which is why I was sure to put "you all" in there. For some reason, it never dawned on me that the MTs that posted line rates at 12 cpl and up owned their accounts. Seriously though, it would have saved a lot of posting! LOL I almost hate to ask if I'm the only one that didn't realize that. Sometimes I scare myself.
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