I know it's not the best financial decision, but (see message)

• Anyone lease their vehicle? Need pros and cons please - sm - confused
  • leasing vehicle - nancyj
  • you don't need pros and cons- what you need is numbers. - Smart MT
  • Do not lease. Big financial mistake for you. (nt) - Buy a nice new car, sell in 3 or 5 years.
    • To Each His Own - LinK
      • It may "work" for you but it is a bad move. (nt) - Just a huge mistake. Live and learn.
        • Maybe to You - LinK
  • Suze Ormon on TV advises to NEVER, EVER lease a car. (NM) - Dolo
  • I would think that owning a vehicle with low miles is a plus - sm - XXX
  • I alway lease, very 3 years I have a new car. sm - Lease Fan
  • I know it's not the best financial decision, but (see message) - I lease my car
  • DH has been in car business forever, He says NEVER lease a car. - nm
    • We lease - LinK
      • That's the whole point of the message...sm - Car owner
        • Again... - LinK
  • leasing vehicle - sm - confused
  • Who advised you? the dealership? say no more... - new car OWNER
  • Dear confused, you've been offered some very poor advice re leasing...sm - MoneyMOM
  • leasing in like renting - paying someone else for the privilige of driving their vehicle..sm - ILMT
  • cars - texan
    • how hard is it to figure out what you want to buy? - llort
  • Leasing works for me (sm) - Kid's mom
    • I am with you - I lease, love having new car every 3 years. nm - Mom of Teens
    • sorry but reaons don't hold water... - sorry to say
      • I don't recall asking for advice (more) - kid's mom
        • No but OP did...sm - Never lease
        • Couldn't Agree More - LinK
      • Do you listen to Suze or Dave? I prefer Suze myself. nm - Just wondering.
      • agree - haven't had a car payment in years - hmm
  • I personally like to lease and SM - I like to lease

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You might want to consider looking into EVCC. It is a community college that uses the Career Step courseware, but you have instructors and accept Pell Grants and Stafford Loans.

EVCC grads get the same consideration from employers as Career Step grads.

Does anyone know about when a company says it has profit sharing what that exactly  means.  Is it the same as them matching the 401K contributions, or is it separate outside of the 401K distribution?  Also, is it usually paid directly to the employee or invested by the employer?

Thanks to anyone who can help.

info within the US.  HIPAA allows many uses of unidentiable medical records to be distributed in many ways even within the US, not to mention overseas.  There is no law that keeps my financial information confidential and within the boundaries of the US.  Very little truly identifible information to connect medicall record A with a particular person other than by name is sent anywhere, even to MTSOs within the US. 

Who wants my medical information?  The College of Surgeons to help them identify ethnicities and trends in cancers, the AARP to help target demographic groups for products they sponsor and to "represent" when they pay their professional lobbying group in DC, the auto industry to decide my premiums, and on and on.

I got a Walmart credit card, was 7 days late in sending in my $10 minimum payment and got a call from India for collections.  ????  Mailed in the account balance and closed the account.  Then called all my credit companies to find out where their call centers were located.  I now have only financial business with companies who keep my records in the US.  That is my choice.  There ARE 2 cases of people who sold US financial records being proscecuted by the Indian government and a total of 5 people are in jail for this.

To the OP, share with us your thoughts.

Michael:  You've been missing a lot of work.  Peter:  I wouldn't really say I've been missing it.

I would assess the need of the mother and child and then give appropriately. Boxes of diapers and wipes are always appreciated and are sure to get used!

Other projections include:

• 
  
  10 percent of U.S. technology jobs will have moved offshore by 2005 (Gartner Group)
  
  
• 
  
  up to 25 percent of traditional IT jobs will be relocated from developed to developing countries by 2010 (Gartner Group)
  
  
• 
  
  500,000 financial services jobs (8 percent of all U.S. jobs in banking, brokerage and insurance) will be shipped overseas by May 2008 (AT Kearney)
  
  

Although I am married and it doesn't pertain to me...

The financial aid officer told all the parents there that if their child is 22, living with them or not, their finances will be looked at and considered when the kid goes to college.  So if you boot your kid out the door at 22, consider the fact that if you make too much money, your kid may not be able to afford to go to college without your help because their student loans, scholarships, etc. will be based on both the student's income and the parents.  If they are married or have children parent's income is not a factor, only the student.

After paying any necessary debts, etc., put the remainder in a CD or money market account and let it accumulate interest for a while so you can consider your options. You don't want to jump into (or out of) anything on the spur of the moment.

I guess the question is, is this a job you want to keep? If so, I think the advice the MTSO below gave is great - talk to your supervisor or lead, explain the situation, and ask if you can take some time off and still have a job waiting for you when you get back.

If it's not a job that you want to keep, then don't worry about it. Quit, spend some time with your daughter, then look for another job. You will certainly have enough money to tide you over!

P.S. For financial advice, check out one of Dave Ramsey's Endorsed Local Providers in your area. (link below) Look at the top right corner of the page under Trusted Services. Their goal is not to tell you what you should do with your money, but teach you how to make the right decision about your money and investments.

Good luck and CONGRATULATIONS!!!!!!

MQ's debts are not high either.

http://news.biohealthmatics.com/PressReleases/2005/08/19/000000002719.aspx

Dozens killed in India terror attacks

Will you be looking for another job any time soon?  Will you make more money as a CMT?  Will it make you feel good about yourself to have the certification?  Will you have time to study for the test?  Make a list of pros/cons and decide from there.

Personally, it's not worth it for me.  I don't want to support the AAMT because they're supposed to be for Americans, but they promote offshoring.  I have enough certifications and education papers kicking around that I don't need another one.  CMTs don't get paid any more at my employer.  I also don't want to drive 300 miles each way to take the test.  It's expensive, and you have to recertify every three years.

I prefer IC as well.  When you're an employee, they pay you less per line than as an IC.  You still pay taxes, federal, state, Medicare, Social Security as an employee.  However, the employer pays for Worker's Comp and matches the social security and Medicare only portion of your taxes, which I believe is only 7.65%.  That social security percentage is quite small when you consider the fact that self-employment taxes are only 15.6%.  I don't remember the exact percentages because it's been a while since I had to manually figure it all, but you can look it up on Google.

As an IC, I get to deduct every little thing I can think of.  I can deduct my home office, a portion of my utilities, a portion of my Internet and phone, any mileage, office supplies (and I love office supplies!), furniture, software, computers and other equipment, paper, reference materials, everything.

The issue is that when you are an employee, those taxes get taken right off the top so you don't even miss that money.  Most people don't set aside a percentage of their pay that should have gone to those taxes, so they grumble when they owe at tax time.  You actually get to see how much you're paying out in taxes.  However, they got to use their money all year instead of loaning it to the government interest free.  That's a perk.

I took 3 documents in Word and the program calculated the amount of characters with spaces and without spaces.  I divided the character counts by 65 to get a line count.  I then multiplied the line count with spaces by 8 cents per line and the one without spaces by 9 cents per line.  In all 3 cases, you are better off taking the job at the lower rate counting spaces. 

Example:  1 document 4339 characters without spaces, 5179 with spaces.  Divide each by 65 comes out to be 67 lines without spaces, 80 lines with spaces. 

65 lines x 9 cents = $6.03

80 lines x 8 cents = $6.40

The others came out with a discrepancy of 78 cents and $2.16. 

I did other size documents and none of them came out where you were getting a better deal by being paid the higher line rate with no spaces.

I hope this helps.

Hi,

It sounds like, despite all the problems, that you love him and want to remain a family, particularly for the sake of your son. 

Without disrespecting that, what I would suggest is that you tell your husband to either grow up already (and pull his weight around the house while he is at it) or please go ahead and divorce you and marry his mama. 

In the meantime, make sure that your name is not on his credit card bills, etc. and that you DO expect him to provide child support while he is absent from the family, the home, the marriage.  If he fails or refuses, take him to court--that should make him wake up and smell the coffee and grow up fast.  Otherwise, let mama figure out how to manage his payee check with that new expense. 

HTH. 

I think combining the measurement with the unit of measure is an editorial decision. I personally like it, for I think it is more clear, and you never have to worry about the measure and the unit being on different lines (with auto wrapping as in all word processors). I believe its origin stems from the scientific community.

You would never see 2 " for 2 inches, but it is 2". By the same token:

10mg, or 5cc or 1L seems more clear than:

10 mg, 5 cc or 1 L.

10mg qid. Seems very clear. It is just an editorial decision. No right, no wrong, just an attempt at greater/unmistable clarity.

Same editorial factors are working in writing 0.125mg and never .125mg without the 0. Leaving the 0 off can lead to misunderstanding: To the fast reader the . could be a fly speck, the the 0.125 is unmistakable. I think clarity ought to be the goal, and not strictly historical considerations.

vJoe

Can any of you that have been at this for a long period of time answer me this question?  When you first started out...did you feel overwhelmed?  How long does it take a person to really see if this is something they'll be good at?  I find myself getting headaches really easy and only after a few hours of typing.  I feel fatigued.  Is it normal to feel this way in the beginning and what suggestions do you have to help?  When do you feel that things are finally settling down and you start to move along at a normal pace? I'll give it a few months I guess...I'd think at that point I would have a pretty good idea if this is something I'm going to be productive at or not.

Sorry for all the questions.....I guess I am feeling uneasy and was hoping for some reassurance or words of wisdom from none other than another MT. 

I would like to know: are there jobs for MT's that you can work PT as in: log on, take the work you can do for the day, turn it in, and get paid for it? What I'm wanting to know is if PT work is available to work at your convenience or is it always told to you when and how much you need to work?

Thank you in advance for your response. I feel like I have read so much about MT's but can't seem to find this out!